23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Friday XX/XX/XXXX I received an email letting me know that my Spend account was frozen for my protection. I received my direct deposit Friday night and was due to pay rent on that date.When I contacted Credit Karma XX/XX/XXXX I was advised to wait for an email for next steps to unlock my account. Today is now XX/XX/XXXX and I have contacted the bank 10+ times for an update and have been unsuccessful. I still have no idea why my account was frozen and I have explained the urgency ( rent due ) to 2 Supervisors who advised me to continue to wait for an email despite not being able to provide me a time frame to receive said email. I was hung up on twice today and told that there is nothing I can do to access my funds or close my account.
Product: Credit card

Navy Federal Credit Union has reported my account as a " charge off '' when they 've been taking my VA benefits ( XXXX ) as payment for the last 3 years. My account with NFCU shows a XXXX balance and the VA has indicated that deposits are being made. They have not returned any phone calls, they have disabled my account online and I no longer live in a location where I can go to a local branch for assistance. They are showing up as a negative account XXXX on my credit report and as a result, my score has been significantly impacted. I have no recourse to address this issue with the bank directly as they refuse to return any request for contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection from XX/XX/2019 to a company and ask for a letter of deletion for payment. 
I received the letter and the collection is in my credit report under PAID. This collection is only under XXXX. I receive a letter from the company regarding to delete the collection but it remains my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$34000.00} ; XXXX XXXX  XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Student loan

I make {$100.00} payments to my loan on a weekly basis. And they are applying my payment to a loan that was closed years ago and not the active loan with over 7 % interest. This is the second time that this has happened. And every time it does I am being caused to pay more money as the interest on the other loans that are active and actually have a balance are accruing on top of each other. This is ridiculous that I am losing money because they can't apply payments correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit score on XX/XX/XXXX. I was advised that there was a hard inquiry made on XX/XX/XXXX. I did n't authorize a credit check and this information is fraudulent. I called Chase Bank on XX/XX/XXXX and was left on hold for over 30 minutes.
Product: Credit card

The promotion offer was for Earn XXXX points after spending {$3000.00} on purchases within the first XXXX months of account opening. 

I spent the {$3000.00} within the allotted time, and when I called I was informed I had instead received a promotion for {$200.00} statement credit. This was mentioned no where when I was applying, and when I called Chase in early XXXX, I was told on the phone I HAD applied within the proper window and that a request would be put in to the marketing department to have the {$200.00} statement credit taken off my account and replaced with points. 

I called again late XXXX to find out that the request was denied, with no sort of reasoning or explanation. This is totally dishonest marketing.
Product: Money transfer, virtual currency, or money service

I sent money using Zelle several times and it did not provide a warning advising if the recipient was the correct person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union regarding an illegal lender showing on my report. The agent did not seem to comprehend what I was trying to tell them and was not very English fluent. I received the results of the investigation around 2 weeks after I filed. The illegal account, XXXX XXXX XXXX, is still on my report as being charged off. This account should be wiped from my account all together due to the fact that in Louisiana they are unlicensed therefore have to forfeit all balance and fees regarding the loan and is deemed noncollectable. See notice - XXXX XXXX XXXX [ Please note, failure to obtain a license with this office shall nullify and/or void each consumer credit transaction or deferred presentment ( payday loan ) transaction originated after the XX/XX/XXXX effective date. These transactions shall be deemed unenforceable and uncollectible. Creditors will be required to forfeit all loans or transaction proceeds, fees, charges, and other amounts paid in association with the transaction or loan. ] I had to call and file a complaint instead of the easy online process because my account was locked out and they would not allow me to access without taking weeks of back and forth snail mail confirming my identity involving sending a picture of my ID and waiting on an affidavit from them ( This is a whole different issue I 'll take up with the BBB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In XXXXXXXX XXXX XXXX  I paid {$1100.00} for a hair unit and installation of said unit. Just a day after the unit began falling apart and coming off my head so I called the merchant and asked for it to be fixed or for me to be refunded so they tried to fix it, however it was doing the same thing again the day after it was supposedly fixed so I asked for my money back because the product, service, and merchandise was not as described and the merchant refused. So I then filed a dispute with my banks under the products/services received were not as described, however pnc bank denied this dispute multiple time stating that the transaction was authorized and not fraudulent however I didnt dispute is as fraudulent I disputed as the product/service I received was not even close to what I was told it would be. However pnc then took my account negative XXXX dollars due to this transaction, then closed the account and has turned me into a debt collector. 
I never got my money back and I have a collection now because of their lack of honesty and commitment to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Requested screening report, found 2 or many other inaccurate items regarding my credit, as well as I sent them information and an explanation stating that my other credit reports do not contain this information, therefore its not factual.
Product: Payday loan, title loan, or personal loan

PLEASE NOTE : This is a second complaint that your categories for reporting do not address but ultimate matter pertains to retaliation for submitting a previous CFPB complaint and being denied a pawn loan and sell. This matter was video recorded and the evidence can be submitted per request. 

On XX/XX/XXXX, XXXX I went to a different First Cash location in order to avoid interacting with the staff at the XXXX XXXX XXXX who have an active complaint both with CFPB and with First Cash, the company. I perceived that perhaps, I would be interacted with differently at this location. The exact opposite occurred. 

I requested two things : 1. to receive a print out of my account history which they provided and 2. asked them if they would be interested to either purchase or provide a loan for a bike. This bike is one I had purchased from them over a year ago, sold back to them, and purchased it again. The original location of this bike was the pawn store so this is not an item that should be under any question of my ownership. 

Unfortunately, XXXX, the same individual who was at the other store location, was working at this store. He walked outside with me to look at the bike, recognized it from being in their inventory, and said " I recognize this. I know its from our store. Odd comment to make. He said that " because you are investigating us and made complaints about us, I can't give you a loan or buy this bike '' I replied " really? '' XXXX said he would need to contact his district manager and ask her how she wanted him to proceed but because I complained, they are not able to give me a loan or buy the bike. 

XXXX 's statement " because you complained '' as the reason for denying a loan to me falls under clear retaliation. He did not cite any other reason for denying the loan or the sale of the bike back to them. He reiterated this once we were back in the store in front of other customers denying me of my privacy and causing further embarrassment of this completely inappropriate conversation and comments. 

This is the second situation that now indicates a clear pattern of discrimination in lending. 
The interaction was video recorded. The file is over XXXX but can be provided by XXXX XXXX or on a CD upon request. It's too large to submit with this online complaint form.
Product: Debt collection

I was sent to collection to XXXX XXXX XXXX XXXX by XXXX XXXX. I received a letter from XXXX XXXX indicating that as of XX/XX/22 I owed more than XXXX + interest, but my car was towed on XX/XX/22 and I have proof of that. I sent a letter to XXXX XXXX stating that I never received services from XXXX XXXX on the date stated on the letter they sent me. Then XXXX XXXX sent me a copy of the pink slip, but the date on the pink slip is whited out and written at the bottom sale date XX/XX/22 when I signed off the car to XXXX XXXX on XX/XX/22. Also, XXXX XXXX let me know that the storage fees were owed by law by the others person ( responsible of the accident ) insurance company and I never received any bills from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove it once its confirmed that it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Chase/XXXX XXXX of a fraudulent application submitted with his information without his consent. A current XXXX and XXXX credit report shows the Chase Card/XXXX inquiries reported XX/XX/XXXX ; XX/XX/XXXX and again XX/XX/XXXX ; formal disputes of these inquires were submitted to Chase XX/XX/XXXX and again XX/XX/XXXX however Chase has not replied to my client which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

The company has charged this account off, so I requested a 1099 c for the cancellation of debit. I was told by the company that I didnt qualify for a 1099 c form. A charged off states that the debit has been cancelled, but it still shows a balance on my report. The company refuses to give me a 1099 c form or remove the debit or remove the charge off.
Product: Checking or savings account

I wrote a check for {$100.00} and someone stole and changed the amount to {$900.00}. I only had {$730.00} in the account at the time the {$900.00} check was deducted from the account sending it in overdraft. Now I am being charge the difference and I have several other checks that will be returned to my creditors and possible charged returned fees. No one can explain why that check was allowed. I have banked with Wells Fargo since 2016 and never had insufficient funds. They say I have to wait at least 10 business days for the matter to be resolved. In the meantime, my credit score is being effective. The representatives say they are looking out for the best interests of the customers when they allow this action to occur. I asked for the same best interest and consideration from them not to withdraw the overdraft amount to be deducted from my account until this matter is resolved. No, was their response. The overdraft amount will be taken out before the issue is resolved.
Product: Checking or savings account

My vet accidentally charged my account {$100.00} on Friday XX/XX/2024 but immediately reversed the charge. My bank, EverBank, has held this in pending status for a week now which has left my account in the negative. I called them and they claim they cant do anything about it. Odd that they can take that money out immediately but cant return it for a week *eyeroll*
Product: Debt collection

The Debt Collector, January Technologies, Inc. sent me the letter I owed {$1600.00} and {$59.00}, which are the outstanding balances for the computer lease I didn't purchase ( Purchase date described in the letter : XX/XX/XXXX ). The letter had my correct name and address, but wrong phone number and email address. I suspected an identity theft and disputed I didn't make the purchase. 

I have received another letter on XX/XX/XXXX that they have addressed my dispute, and I still owe them the outstanding balances.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. As a result, fraudulent accounts have been added to my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$9500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00}
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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to XXXX  as well as Experian on the XXXX of XXXX requesting a verification of the verified item they reported from the first dispute letter and giving them 15 days to response, as of yet i haven't gotten any verification nor deleted the items from my credit report
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against SchoolsFirst Federal Credit Union to the CFPB regarding their failure to respond to my dispute attempts regarding an account they are reporting to the credit bureaus. Despite sending dispute letters to SchoolsFirst on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any response from them. 

I am including copies of my dispute letters to SchoolsFirst as evidence of my attempts to resolve this matter. However, their lack of response has left me with no resolution. 

Under the Fair Credit Reporting Act, furnishers such as SchoolsFirst are obligated to investigate and respond to consumer disputes within 30 days. SchoolsFirst 's failure to comply with this requirement constitutes a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed XXXX XXXX on XX/XX/2016. Discharged and has been 7 years. XXXX and Transunion continue to publish incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting

I made an on line transaction towards lodging in Hawaii. I then immediately noticed that the merchants website did not state if the units had air conditioning in them. So I then proceeded to do a chat on line with the merchant. I specifically asked them if the unit I had just booked had air conditioner or not. I stated to them that if the unit did not have an air conditioning in it, it then posed a health problem for my kids. The customer service representative then proceeded to tell me that there was nothing in the website that identified if the unit had air conditioner in it. So she took my information and told me that she would look into it and get back to me the following day. At the same time I called my credit card company and awarded them of the issue. The credit card company proceeded to assure me not to worry and that everything 's going to be fine. The transaction was n't even posted for them to see in my credit card activity. I believe it took several days for it to finally show up so that then they could begin the dispute process. I continued to maintain open lines of communication with both the merchant and the creditor. The credit company continued to assure me that I should n't have to pay for services not rendered to me and gave me a credit back to my card. The merchant however sat on it and allowed time to be of essence. To the point of lying to me about whom the manager was and pretty much shut the doors on my issue. Disregarding any ownership of lack of information on the website including poor follow up on their part. I contacted my credit company and awarded them of the situation including all lies coming from the merchant. At this point my creditor told me that they would continue with the investigation and again assured me that they where going to take care it. A few months went by and I received a letter from my creditor stating that they had concluded not to credit me the full amount charged due to merchants booking policy 's. I called the creditor and then read the customer statement printed on the back of the statement. That states that if at any time I as a customer am dissatisfied with the charges on my account I have the right not to pay. I read this statement to one of the managers and she then proceeded to refer me to their insurance benefits company/department. She stated that they would be able to help me based on medical grounds that I fit the profile. So I called the benefits insurance staff and I complied with the documents required and a few weeks later I was sent a letter stating that due to improper words stating the issue. They decided not to authorize coverage. To be specific. I sent 2 separate doctors letter stating that both my kids have a long term medical condition that interfered with traveling plans and therefore cancelling trip scheduled. 
Apparently those letters are not sufficient enough. I need to add that prior to filling such a claim I asked specifically what the letters consisted of and required as a doctors statement.