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

This is my 3rd complaint. Equifax is reporting accounts to my consumer report without my authorization. They are in violation of many federal laws. This account was deleted from my report and then put back on with out any notification thats another violation. I am highly upset that I am being taking advantage like this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/XXXX
Product: Mortgage

Have fallen behind on mortgage due to inadequate employment. Retired person on fixed income ( Social Security and retirement pension ) and received notice of intent to foreclose by loan servicer, CHASE, on XXXX XXXX. Have active application in process for loan modification that has been dragging on for 5 months. Have submitted numerous requests to CHASE for additional information that seems to be delaying tactics. 
XXXX.
Product: Credit card

As I tried to fight a dispute over clear fraudulent charges made in Florida, a state that I do not reside in, Discover claims that my voice recording had " matched '' a voice confirmation for that purchase. They also claimed that I had confirmed via email even though this is not the case. I believe there was possible identity theft involved and the criminal had access to my email which had this card linked to it. After calling Discover, I had found out that there were more fraudulent charges from the state of Florida, some of them they denied, but for some reason they let multiple pass through on the basis of " voice matching ''. I sent them evidence of my GPS location with time stamps of the days involving the charges, but Discover disregarded them even though it proves I could not have possibly have made those purchases. I do understand why Discover did not recognize these out of state charges that were irregular to my spending habits on this card for example since there were duplicate charges of the exact amount at of {$500.00} at XXXX different XXXX XXXXXXXX Locations immediately after each other which is nearly impossible to physically to do. And Discover was no help in reopening the dispute even though I opened a police report and Discover even asked me if I would be seen on the surveillance video and I responded with a strong no. I believe the Discover representative took my phone conversation answers out of context since they were not very transparent with their questions to make me " admit '' to these charges so Discover does not have to cover them. Discover did not ever freeze the account after detection of fraudulence and they let the fraudulent charges in Florida continue. They also did a poor job of communicating with me by not telling me they were investigating the situation and completely confused me by making me re-setup my text confirmation over the phone even though I had no prior problem when receiving SMS text messages about my account. Discover 's way of notifying me was very inconsistent among charges which ultimately lead to my confusion when trying to settle the dispute.
Product: Credit reporting or other personal consumer reports

Experian responded to my CFPB complaint on XX/XX/XXXX, stating that they are still working on my issue. However, this delay is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I originally submitted my dispute in XX/XX/XXXX, including : XXXXA police report confirming I am a victim of identity theft.

-A notarized identity theft affidavit in accordance with the FCRA XXXX 
-Additional supporting evidence proving the fraudulent account does not belong to me. 

Despite providing all legally required documentation, Experian has failed to remove the fraudulent account from my credit report. Instead, they have delayed their response without taking corrective action, which violates 15 U.S.C. 1681i of the FCRA, requiring credit bureaus to conduct a reasonable reinvestigation within 30 days. 

Additionally, I am aware that the CFPB has recently filed a lawsuit against Experian for failing to properly investigate consumer disputes, reinserting inaccurate information, and violating the FCRA. This lawsuit further proves that Experian has a pattern of failing to handle consumer disputes properly and supports my claim that they are ignoring federal consumer protection laws. ( CFPB Lawsuit Against Experian )
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the verification of a collection account on my credit report. Despite previous verification, I request the DELETION OF THIS ACCOUNT in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ), the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX ( b ), and the Fair Credit Billing Act ( XXXX ) Section XXXX ( a ) ( XXXX ). 

The collection account in question is XXXX XXXX XXXX, reported by you. I believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. 

Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report as per FCRA, FDCPA, and FCBA guidelines. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.
Product: Credit card

On XX/XX/XXXX, I paid {$2400.00} to XXXX for a XXXX XXXX XXXX XXXX  and scheduled an appointment for XX/XX/XXXX. I was made aware of the cancellation policy, which provided for a full refund if the XXXX was cancelled at least 3 business days in advance. I attempted to cancel my appointment on XX/XX/XXXX and XX/XX/XXXX by calling XXXX 's customer service number. XXXX did not cancel my reservation. When I initiated a dispute through my credit card company, Citibank, they did not dispute my attempts to cancel the appointment and offered to reschedule or refund 50 % of my money. Citibank asked me to provide a response to XXXX 's communication, which I did, on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Citibank falsely indicating that I did not provide the requested information and they were closing the investigation. I called Citibank and requested the investigation be reopened and for them to actually read the information I provided. Citibank then changed what information the requested from me in a letter on XX/XX/XXXX, by indicating that I needed provide documentation that XXXX agreed to credit my account. Obviously, that was not possible as XXXX was not offering to credit my account. I explained this in a letter to Citibank and their response on XX/XX/XXXX was that they " no longer have any available means to assist you in this matter since the timeframe in which to resolve a dispute has passed. '' Citibank was clearly not interested in protecting me in this matter. At the very least, they did not act with competence, or at worst were dishonest with me. Ultimately, they use their own delays in the matter as justification for closing the investigation. The end result is that XXXX has {$2400.00} from me and has not provided me with a single good or service.
Product: Bank account or service

PNC Bank never gave me the promised sign up bonus. They bait and switched me into an account. Then, I deposited a check and forgot to authorize it. It 's a new knid of check I did n't realize I had to pre-authorize. So, I went back and put in another check and the bank kept it and told me my account was closed. I contacted the bank ASAP telling them I put a stop pay on the check and they reported me to XXXX for fraud. 
I also contacted them and asked to be opted out every way possible via their privacy policy and they claimed they could n't do it because my account is closed, which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 21 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I opened an account with Venmo. Shortly after I linked my personal checking account and made a transfer to the Venmo account. While my transfer was pending, Venmo sent a promotion to me to get {$5.00} into the account so I could use it. I completed the steps for the promotion and the money was deposited. Shortly after my transfer came in. The same day of my transfer, I receive an email stating I violated their user agreement. The email also requested my identification to prove I was me. I requested the company respond back to me with an explanation of how I violated the user agreement since I only have the deposits in my account. No other transactions. A couple days later, I demanded a response on the accusation they have made against me. They still failed to respond. I demanded again a response and advised I was filing consumer complaints against them with multiple agencies. Meanwhile, my Venmo account shows all my identity documents have been verified. I tried to withdraw the money but was not able to. I even tried to just take the money I transferred and was not able to. So I am filing a complaint with your agency to help me resolve my issue.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B it's illegal to report information on my credit report without my permission please remove this from my credit report thank you
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please see the attached documents relating to this case and complete identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Product: Credit card

I paid off in full and closed my credit card with Macy 's in XXXX this past summer in their stores. Since then, I have continued to receive statements from Macy 's reflecting unpaid interest charges for my account being open. I have called repeatedly to have the charges removed and to have my account closed. Each time I call, the representative claims to have cleared all charges and to have closed the account. I am very concerned of how this impacts my credit rating.and find Macy 's actions to be harassment.
Product: Credit reporting or other personal consumer reports

This is in regard to XXXX, XXXX and Equifax. 

This has to do with XXXX creditor only : XXXX XXXX I got into a car accident and the car was a total loss. We luckily had Gap Insurance. Due to the delay of Gap paying off the car loan, I had a missed payment on each credit agency 's report. It made my credit score dip about XXXX points for each credit report. I worked for quite some time with XXXX XXXX to get this corrected. XXXX XXXX finally paid it off and XXXX XXXX removed it from my credit reports. However, my score is not reflecting that correctly on each of my credit reports. I should have had an increase in my score and the agencies say to wait but the account was closed back in XXXX and my credit score should have already reflected it. I have worked hard to increase my credit score and the dip in my score was not my error but by XXXX XXXX. XXXX XXXX corrected it and would like my score to reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, fully authorize this investigation. I am a victim of Identity Theft & I have attached my FTC Identity Theft report. Please see the attached information and remove all the corresponding unauthorized information promptly within 4 business days.
Product: Credit reporting or other personal consumer reports

am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these entries are unauthorized. 
The following accounts must be blocked and deleted immediately : 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 Additionally, the following inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have disputed this negative entry on my transunion credit report twice. It does not belong to me. I am pretty sure it belonged to my father whose name was also XXXX XXXX. He is deceased so I ca n't verify with him. XXXX removed it because they verified it was n't valid, however Transunion will not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- XXXX XXXX XXXX {$730.00} High Balance {$730.00} Remarks Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting or other personal consumer reports

In reference to the errors discovered on my most recent credit report, I am writing to formally file a complaint. I looked into it thoroughly and found that your agency had failed to report a number of items that were questionable, invalidated, unverifiable, and inaccurate.

These errors have not only caused severe distress but also violate my rights under the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported 100 % accurately. It is unacceptable that your agency has failed to ensure compliance with this fundamental requirement.

Furthermore, I have identified specific accounts that are in clear violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These accounts are not reporting information accurately and are further exacerbating the adverse effects on my creditworthiness and financial well-being. 

I demand immediate action to rectify these inaccuracies and bring my credit report into full compliance with the law. I have attached copies of all letters previously sent to your agency regarding this matter for your review and reference. 

Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter further and seek appropriate legal action to remedy the damages caused by your agency 's negligence. 

I expect a timely response detailing the steps taken to address and rectify the inaccuracies on my credit report.
Product: Checking or savings account

Chase bank closed my account for no reason I tried to keep him! 
But the decision. Close my account XXXX. 
Supposedly. Receive a check
Product: Credit card or prepaid card

I have been harmed by Synchrony Bank. They have lowered my credit line on two accounts ( Lowes and Care Credit ) based upon an incorrect credit score information and the following reasons which are completely unrelated to the two accounts I have with them : 1. LACK OF REAL ESTATE SECURED LOAN INFORMATION 2. BALANCES ON ACCOUNTS TOO HIGH COMPARED TO CREDIT LIMITS 3. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON INSTALLMENT ACCOUNTS 4. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON STUDENT LOANS Their actions have been very damaging to my credit. All payments on the Lowes and Care Credit accounts have been on time and never late. All open accounts on my credit are in good standing and paid on time.

On the Lowes account, they lowered my credit line to {$250.00} from {$700.00}. My current balance is {$240.00}. Their action has caused my credit usage percentage to increase from 34 % to 96 %.

On the Care Credit account, they lowered my credit line to {$3900.00} from {$8500.00}. My balance is {$3200.00}. Their action is this case has caused my credit usage percentage to increase from 38 % to 83 %.

I have attached my payment activity for both accounts, as well as, my billing statements. My credit report reflects that all real estate, student loan, and other installment accounts are in good standing with on-time payments every month.
Product: Debt collection

XXXX Sold my debt to someone else and now they are calling my ex boyfriend that he is part of the debt that they are going to do an investigation process. The name of the company is national check resolution. 
This debt is from my business. They should stop calling anybody. 

Thank you!
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report and discovered that I have fraudulent accounts open, which is hurting my ability to get new credit. this is against the law I would like this account to be deleted from my credit. please delete this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, XXXX XXXX XXXX. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!
Product: Checking or savings account

Hello my name is XXXX XXXX, Im requesting help due to fraudulent charges of my debit card and account which resulted in funds being depleted and used without my authorization. I contacted SoFi about my issue but no help I believe the funds were used with a digital wallet because I never had a physical card sent to me. Also the day these transactions took place my phone had been stolen, which had contained the account information and card in my digital wallet. This is how I believe the card was used to make these transactions which I did not authorized or make. 
XXXX. Transaction Date : XX/XX/year> Transaction Amount : $ XXXX Transaction Id : XXXX XXXXXXXX Claim Amount : {$200.00} Claim Date : XX/XX/year> XXXX. XXXX XXXX & XXXX Transaction Date : XX/XX/year> Transaction Amount : $ XXXX Transaction Id : XXXX XXXXXXXX Claim Amount : {$770.00} XXXX. Transaction Date : XX/XX/year> Transaction Amount : $ XXXX Transaction Id : XXXX XXXXXXXX Claim Amount : {$40.00}
Product: Checking or savings account

Disover bank is holding almost {$5000.00}. and got my account in negative for this for almost XXXX months now. I filed disputes on XXXX different charges starting from {$1700.00} from XXXX XXXX XXXX on XXXX XXXX to XXXX from mentality on XXXX XXXX to XXXX from money making XXXX. I ended up cancelling all these orders due to the merchants not shipping on time due to a family babyshower I was purchasing stuff for during the month. All these merchants ended up refunding me and providing receipts and emails of my refunds being processed and discover never gave me my refunds and wants to hold the money to their own benefit which i wont allow. Everytime I call I get thrown around by representatives saying they are processing my redisputes and are about to send me my money back but it never processes for the past XXXX months. Im tired of this bank thinking they can play games with my money and debt this is not the first time theyve held my money and I will fight till the end. I will provide refund proof from my email claiming my money was going back to the discover account. Discover also closed my credit card XXXX years ago and put me in debt no I will file another case for this but im dealing with this first because they are ruining my life. I felt comfortable with this bank till they did all this to me. Holding XXXX XXXX from someone who trusted you with their money is unbearable and i hope no one else has to go through this
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specificallyl, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.