23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A new bank purchased my mortgage but didn't inform me or send me a payment coupon. My payments to the previous mortgage company were deducted automatically from my checking account and I didn't notice that the payments had stopped. I first became aware that new bank had purchased my home loan when they sent delinquency notice dated XX/XX/2020 stating that I owed {$12000.00} and that the account was XXXX days delinquent and could result in foreclosure. The amount we owe on this mortgage is less than half of the value of our home. I immediately contacted the new bank to find out what happened. None of the employees would confirm that their company had purchased the loan and when I described my situation, they just stated " Well, didn't you notice? '' After a number of calls, they agreed to remove the late fees and interest and I made a payment of {$10.00}. XXXX over the phone on XX/XX/2020 to bring the account up to date. Recently I became aware that they have reported delinquent payments on our credit reports. I called to ask them to remove that information since there was no way I could have sent them a payment before they made contact with me. They stated that we would need to file a written request and wait for them to investigate. We have always had excellent credit scores and wanted to refinance this mortgage to get a better rate and a more responsible mortgage company. Now we have a poor credit rating which would interfere with refinancing. I would like them to expedite the correction of my credit rating. I'm also concerned that this could be happening to other customers.
Product: Bank account or service

XX/XX/2017 Transaction withdrawal was made from a non-chase ATM machine for {$200.00}. This transaction was not made by me nor was my debit card stolen. I still had possession of my debit card at the time and told my Chase Bank this. The card was never used by me or anyone I know as I had possession of it. However, they did not believe me and said because the transaction was made with a chip/pin that it must be me. I do not make non-Chase ATM withdrawal so I know for a fact that this was not me. I knew exactly where I was on the day the transaction was made and I was not anywhere near the claimed ATM nor did I withdraw any money. They must have skimmed my pin somehow. I just know for a fact I did not do this but Chase refuses to help and has denied my claim.
Product: Credit card

I tried to close my account with FNBO for an Amtrak credit card because they wouldn't honor their promise to waive the first year 's fee if I had signed up. They continue to charge me for the fee even though I've asked them on at least two different occasions to cancel the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit card or prepaid card

I signed up for a Purchase Payment Plan with Chase XXXX. I agreed to a XXXX payment plan with a fixed monthly interest fee. However, after making several payments, along with payments for other purchases on my monthly statement, I began receiving interest fees, and the balance on my remaining non-payment plan purchases was not going down. 
After speaking with an Escalation rep at Chase, I was informed that additional funds from my payments were being applied to my fixed Payment Plan WITHOUT MY KNOWLEDGE OR CONSENT. This was preventing my outstanding balance for current purchases from being reduced, therefore incurring interest charges. 
Upon further review with the Escalation rep at Chase, I'm told that ANY credit that appears on my statement goes directly towards the Interest Savings Balance, including my fixed Purchase Plan. Therefore, after only making 3 payments in a XXXX plan, I now only have a remaining balance of less than 2 payments instead of 9, despite paying a fixed interest amount for 1 year. 
In other words, DO NOT ENROLL IN CHASE 'S PURCHASE PLAN. You will be charged a fixed interest rate for your payment plan, in addition to any additional interest accrued for other purchases that aren't being paid in your statement payment because Chase will apply any credit amount you receive to this payment plan BEFORE applying it to your credit balance.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681section 602a states " There is a need to insure that a consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and Transunion are consumer reporting agencies and I " am the consumer.I have the right to make my private information isn't being shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic information '' XXXX acct # XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX acct # XXXX the financial institution and the consumer reporting agencies XXXX, XXXX, and Transition do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Transition XXXX acct # XXXX wether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' XXXX acct XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states. " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items od information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 USC Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. " XXXX, XXXX, and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt outa at any time. " I ' am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was paid in full after I became XXXX in the military, my balance was XXXX and was paid in full in full in 2016 with total disabilty. Listed on my Experian, XXXX, and XXXX the account # XXXX, has remarks listed as Chap XXXX Bankruptcy, when I paid this and was not under ever a bankruptcy. This is affecting my ability to obtain credit or employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681. The List of accounts below has been violated and I demand, they are deleted immediately.

Under 15 U.S.C. 1681 Section 602 ( A ) states my rights to privacy, which your company is in violation of.

Under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) Also states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not and do not give you consent to post the following items on my consumer report. 

Accounts XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Student loan

Navient lures borrowers into deferment and income based repayment then they raise the costs of the loan repayment to a level that people cant afford. They have also added numerous frivolous fees to my loan. They have harassed me, my friends, and my family for 2 years now during the pandemic. I did not originally borrow that much money but have so many fees they say I owe over XXXX dollars. I am XXXX years old and will never have these loans paid off.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 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, not later than XXXX business after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!

Pursuit to 18 USC 8, I owe no debt. This company is in violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Account : XXXX XXXX {$3700.00} XX/XX/XXXX Inquiry : 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
Product: Credit card or prepaid card

Capital One reduced the credit limit on a card I held with them by two-thirds with no warning, because I don't use the card enough for them. I have been a customer for 9 years with not one late payment and I more than qualify for the credit limit I had previously. Reducing someone's available credit with no warning by {$20000.00} is not ok and should not be allowed in such circumstances. 

When I called Capital One, the only recourse I was given was to apply for a higher limit. A limit I was originally given by Capital One without having to ask. This request would result in a hard inquiry on my credit, which is also not ok. I ended up canceling the card.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of an account with XXXX XXXX. Over 60 days ago, I submitted a dispute regarding this account, but XXXX has failed to respond to my dispute. As a result, it is now your responsibility to ensure the removal of inaccurate or unverified information from my credit report. 

As part of the XXXX XXXX XXXX XXXX Settlement ( XXXX ), XXXX XXXX and related entities agreed to forgive debts and remove negative trade lines from credit reports for affected consumers, including me. This account was included in the settlement terms, and your continued reporting of this account as " charged off '' with a balance of {$2000.00} is a violation of that agreement. Under the settlement, the debt was to be forgiven, and the account was to be fully removed from my credit report. 

XXXX and XXXX have already removed this account from my credit report due to XXXX ' failure to respond, and I urge TransUnion to take the same action. 

For your reference, I have attached the CFPB complaint where I outlined the lack of response from XXXX  to my dispute. Given their failure to validate this account, I request that you immediately remove this account and all associated negative information from my credit report. 

Furthermore, I would like to bring to your attention the case XXXX XXXX TransUnion XXXX., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), which clarifies that credit reporting agencies ( CRAs ) like TransUnion are required under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation into disputed information. CRAs can not rely solely on creditors ' claims without verifying the accuracy of the reported information. If a CRA fails to conduct a reasonable investigation, it may be held liable for damages under the FCRA. 

Please remove this inaccurate and unverified account from my report within 15 days and provide written confirmation of its removal. If this matter is not resolved promptly, I will escalate the issue to the XXXX XXXX XXXX XXXX XXXX XXXX, my State Attorney Generals Office, and the appropriate regulatory authorities. I will also consider pursuing legal action to enforce the settlement and protect my rights under federal law.
Product: Debt collection

Citi bank is suing me for a debt that was due to identity theft and fraud. 
They sent me a notice in the mail certified to an address that was not mine but instead a neighbors, The neighbor brought me the letter but was still aware of what it was due to Citibank sending it to 313 instead of 315.

I have given Citibank the police report number and the FTC identity theft report and they still are trying to collect on a debt that was due to identity theft.
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 has violated my rights I only have 1 account with XXXX and I have never been late or have I ever miss a payment I don't know about any other acctounts with XXXX  the account I have with them is XXXX 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
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 XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , TX XXXX , XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$83000.00}, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This collections company insists on keeping derogatory remarks on my credit file even when they are the only ones reporting out of the XXXX reporting agencies. 
I have asked previously if they can confirm that they are legally working for the original creditors and could they name them but they refused. 
Also, it says that the date the account was opened was XX/XX/2023 when this in fact is a bold lie Also, I informed the company that it is illegal to report charge offs on my credit file as a charge off is a certificate of indebtedness which is income, and must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Im an active Credit Report checker. I check all 3 credit bureau at least 4 out of 7 days. I missed there being inquires I didnt recognize on TransUnion & Also XXXX XXXX They both report the same names for the accounts on both bureaus! 

TransUnion - XXXX. XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX - XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to download all three of my credit reports through the XXXX website. According to my records, the last time I had done so was XX/XX/XXXX. I was motivated to do so partly because it had been so long since I had last looked at my reports but more because a friend of mine was complaining about the unevenness of his recent experiences unfreezing his accounts. 

Indeed, while I had no difficulty accomplishing the online process of obtaining my reports from XXXX   and XXXX I ran into difficulties only with the series of identity questions posed by Equifax. This agency seems to expect a formidable amount of esoteric knowledge of one 's personal credit/financial background in order to pass the test to obtain the online report that the government requires it to provide to consumers. 

I am, of course, aware of the difficulties Equifax encountered in XXXX because it did not have adequate data security systems in place. However, it does not seem appropriate to me that the proper response to those problems should be to place greater obstacles in the way of consumer 's obtaining the " services '' that Equifax was supposedly created to provide. If they are not capable of performing these services with the same ease for consumers that their competitors do, perhaps it is time for them to retire from the business.
Product: Mortgage

I have a mortgage with Discover Home Loans. I was approved for Homeowners assistance fund Haf for past due mortgage payments plus 18 this of future payments. Also was approved for my electric past due plus 18 mths my Electric company is XXXX XXXX XXXX, XXXX. I have XXXX for my cable. Haf gave the contract to XXXX XXXX to disperse the funds and They are not doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute two times with Equifax about an error on my credit report, and two times they have claimed that the invalid debt is still active and on my account. I called XXXX XXXX to see why it was still on Equifax 's report, and they told me that the debt was invalid and had been cancelled and that all reporting agencies should reflect that in the report. Equifax continues to not do so, and I have attached an email from a customer care person from XXXX XXXX that states in plain writing that the debt is invalid and should be removed from my report.
Product: Debt collection

I received a call from Integrated Recovery Services about a pay day loan that they were trying to collect on. XXXX XXXX and XXXX XXXX both called me on my work phone and told me that if I did not pay I would be arrested this Friday, and this would be a felony. I tried to make a payment arrangement but they started to make fun of me and continued to say I would be arrested. I am filing a complaint and and willl also be contacting the Texas Attorney General in reference to this matter since it is a violation of State and Federal law. I am also requesting that this company no longer contact me because of their deceptive trade practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX  and TransUnion on several occasion throughout the year regarding my credit report not reflecting accurate information. They never did a proper investigation and still information is showing up. I am a victim of identity theft and I have told them that following information being reported is not accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them and these were opened fraudulently. XXXX  XXXX is showing balance of XXXX, XXXX XXXX XXXX and XXXX XXXX has no information. I need XXXX  XXXX  and TransUnion fix my credit and report accurate information this has caused me loosing my job and not being able to find a new one.
Product: Credit card or prepaid card

On XX/XX/2022, I was on the Credit Karma website logged into my account and saw an ad for the " Karma Guarantee '' for a XXXX XXXX XXXX XXXX. Credit Karma said I was guaranteed to be approved for this credit card and if I was denied, I would receive {$50.00} within 60 days of the denial. I was denied the card, but Credit Karma has not paid me the promised {$50.00} despite several times contacting them and providing supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XX/XX/XXXX# XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$1400.00} and a High Balance/Credit of {$1600.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXX year ; Shows {$31.00} Schedule Payment Amount. A Charge Off/Close Account must show NO Payment history, consecutively as L or monthly payments reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act