23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Experian abused consumer report to deny credit age & well-qualified status as a lender
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX XXXX XXXX  to remove the late payment for the auto loan I had in that moment in time due to XXXX. They denied it as described below : " Under the Fair Credit Reporting Act, information we send to the credit reporting agencies must accurately reflect your account activity and status. Unfortunately, we can not accommodate your request to remove the late remarks you requested. We do not offer courtesy amendments or amend credit due to XXXX XXXX. Reports from other credit reporting agencies may contain outdated or incomplete information. ''
Product: Checking or savings account

I had XXXX XXXX XXXX ( {$8500.00} ) applied to my checking acct. I covered the amount on XXXX XX/XX/XXXX. I called TD Bank XXXX XXXX. to have the rest of my funds released. 
On XXXX XX/XX/XXXX I called XXXX I was told it would be taken care by end of the day. It was not and I have no funds. My direct deposit went to my account and I can not use it. 
They are holding my money and I can not access it. 
I am unable to speak to any XXXX at the bank regarding this matter as the hold times were over XXXX hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

factual data has all me information incorrect b/c of the FTC violations
Product: Credit card

On XX/XX/XXXX I paid off my XXXX XXXX XXXX balance of {$11000.00} in addition {$47.00} in reward dollars. I notified Comenity/Bread Financial customer service on the same date that I was paying off the card in full. Payment was due XX/XX/XXXX. 

XX/XX/XXXX I received a new statement that indicated that the XXXX payment was made. What is an outrage is that I am being charged {$150.00} for interest. 

Again, I called customer service and talked with two offshore employees who were of no help so I asked to speak with a supervisor or manager. I was told there was no manager and that I was to write a letter. I have written customer service in Ohio and Comenity 's CEO.

Page 2 of my billing statement states " we will not charge you interest on purchases if you pay your entire balance by the due date each month. '' I was never late and made all payments on time. This I believe is an attempt by Comenity/Bread Financial to exploit me.
Product: Credit card

Truist sent a letter to let me know that I have lost my promotional offer rate on my business credit card account ending in XXXX. 

The Truth in Lending Act, primarily codified at 15 U.S. Code 1601 and following, aims to promote informed use of consumer credit by requiring disclosures about its terms and cost.

Under TILA, lenders must clearly disclose the terms and costs of credit. This includes the APR, finance charges, amount financed, and total payments.

15 U.S. Code 1637 outlines the disclosure requirements for open-end consumer credit plans ( like credit cards ).

TILA also addresses changes in terms for credit accounts.

15 U.S. Code 1637 ( i ) requires creditors to provide a 45-day advance notice before increasing the APR or making other significant changes to the terms of a credit card account. This allows consumers time to opt-out of the changes if they choose.

Additional Protections The Credit CARD Act of 2009, which amended TILA, provides further protections : Credit card issuers must generally provide 45 days notice before increasing the interest rate on an existing balance.

Promotional rates must last for at least six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX  open XXXX-15 Amount XXXX Fraudulent account XXXX XXXX open XXXX-15 Amount XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off XXXX  XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$9700.00} XXXX BANK XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX {$4500.00} Late XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$20000.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

We are receiving repeated calls from XXXX XXXX at Transworld Collections. We do not owe anyone money. These calls are harassing and occurs 1-2 times per-day. We know this is a scam. Our credit rating is very high and our debt not in question. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

In XXXX of 2024, I opened a Robinhood ( hereafter RH ) Brokerage Account and RH Crypto Wallet for the purpose of experimenting with CRYPTO investments. I am a U.S. Citizen, and provided the necessary documentation as requested. Since the opening of the account, I have funded it through my personal checking and savings account that I have with XXXX. I have also operated within the CRYPTO spending limits of RH Brokerage and RH CRYPTO. 
On XX/XX/XXXX, RH approved me to transfer/receive CRYPTO from my RH Brokerage account to my RH Wallet. On XX/XX/XXXX and XX/XX/XXXX, I conducted transfers from the RH Brokerage to my RH Crypto Wallet without issue. 
On XX/XX/XXXX, when I attempted to conduct another CRYPTO transfer from RH Brokerage to my RH CRYPTO wallet, I received a noticed that " Your account is restricted from withdrawing CRYPTO at this time. '' My transactions were NOT over the RH Daily transaction limits for CRYPTO. My CRYPTO transfers outside my wallet were not over the daily limits of RH either. 

After numerous attempts to getting the issue resolved, submitted copies of my bank statements, Drivers License and taking a picture for RH. The issue is not resolved. RH is not allowing me to receive or send CRYPTO to my RH wallet, and this is cause for concern.
Product: Mortgage

I am writing this letter for help in an ongoing issue with the lender. After my husband passed away in XXXX, I continued to make payments for years, until the loan was sold to a new servicing company, XXXX. They were the first to raise an issue regarding successor in interest and said they would no longer be able to speak with me or accept payments. They later tried to foreclose on me twice. 

The second time the XXXX intervened and submitted the same documents I had previously submitted multiple times and were rejected or got no response. The XXXX also requested XXXX to work with me on loss mitigation options. XXXX finally acknowledged me as XXXX but then promptly sold the loan to Shellpoint without the XXXX documentation. 

After a month or so of back and forth with Shellpoint, they finally acknowledged me as XXXX. In the meantime, they started foreclosure proceedings and refused to pause the foreclosure after the SOI was approved. This was even after speaking with an attorney on why they wouldnt pause to allow me to discuss options to bring the account current. I was forced to file for bankruptcy to stop the sale of my home. They now say they cant talk with me because I filed bankruptcy. 

I really need someone to step in again. I am getting so much run around. Its beyond pointless to continue discussions with them if they continue to throw up blockers. 

Even my request for a reinstatement letter and a payoff letter has been ignored and that was several weeks ago. 

Would very much appreciate your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion credit freeze website has been down since yesterday XX/XX/18. I have checked multiple times on the status of the credit freeze site and it is still down. It makes no sense for a law to be passed for free credit freezes if it is impossible to access the site to freeze your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX
Product: Debt or credit management

Hello, in XXXX I was targeted by Lexington law and credit repair.com for credit repair and hit with upfront fees that was not lawful. 
The company engaged unfair acts and practices in violation of the Consumer Financial Protection Act of 2010 and the Telemarketing Sales Rule.
Product: Vehicle loan or lease

I received an adverse action letter from XX on XX/XX/2022. I already had a pre-approval from some other company. I didnt authorize this transaction and I informed XX company that I, consumer and natural person reject their offer of decline. Pursuant to USC 1691 ( a ) ( XXXX ), if one operates in good faith they can not be denied an extension of credit. My certified letter was sent XX/XX/2022 which provided details on the allotted time to respond to my counteroffer. XXXX XXXX is aware that the consumer credit transaction was already completed however there was no benefit for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent accoding to 15 U.S. Code 1681n : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

Regions has processed debit payments prior to pending electronic check payments. Charged my account a fee claiming insufficient funds after a cash deposit prior to a return on said electronic check. There was no return prior to cash deposit. The payee company has NO returned electronic check as of right now. Regions is taking unlawful fees from customers.
Product: Debt collection

I paid this debt off while trying to buy a home, and now it is being reported on the other two credit bureaus. This is causing me economic harm. Please stop reporting this.
Product: Debt collection

I have paid this company {$3600.00} for this debt. The final payment was {$550.00} instead they rejected he payment saying i owed another {$1100.00} in interest saying I now owe over {$1800.00} after we came to a court organized agreement. They are fraudulent and now trying to collect more than owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found this information on my  report : US BKPT  CT NJ  XXXX   Reference  #  XXXX
Product: Credit reporting or other personal consumer reports

All of my information has been in question due to a incident with Equifax breach, I am asking all accounts be removed from my credit report.
Product: Checking or savings account

Bank of America opened an account for a fraudster in my name in XX/XX/2023. I have never banked with them and never have used their products to my knowledge. In the account the fraudster disputed finds and a statement was sent to my house so I called the bank in XX/XX/2023 to have the account closed. The bank assured me the account would stay closed and no more would be opened in my name. In XXXX ( I was away ) and XXXX I received more statements. I called again and they closed the account and sent a letter the " Accounts were closed due to being unable to verify my identity ''. I then was satisfied at least the accounts were closed. The bank then sent me a check for the closed accounts. I can not believe this level of incompetency, considering I told them the account was not mine and I was not attached to the money in any way. I will not cash the check and am in the process of calling them to cancel the disbursement or even better work on trying to find out how and why this happened.
Product: Mortgage

On XX/XX/2020 I made a payment of {$1800.00} as my monthly payment to LoanCare, on XX/XX/2020 I made another payment towards the principal of {$1200.00}. Then on XX/XX/2020 it appeared that the loan was transferred to XXXX however, prior to transferring they did a misapplication reverse of the total amount above {$3000.00}. LoanCare claimed they mailed a check to XXXX and XXXX claimed they never received a check. I still do not have the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp because of bad customer service which is against the law. Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused emotional distress and financial loss as I wasnt aware that when I got hacked that I didnt have a reliable means of communicating my problem to someone that could help.
Product: Bank account or service

Subsequent to a complaint filed with your agency against Bank of the West, my account has been charged {$230.00} in junk fees. I have attached a copy of the running figures on account ending in XXXX. On XXXX XXXX, 2016 the account as a positive {$7.00}, then without explanation fees in the amount of {$62.00}, {$30.00}, {$70.00} and {$70.00} were charged bringing it to a negative {$210.00}.
Product: Credit reporting

I 've filed multiple disputes stating I was not at the bankruptcy office when this was filed in my name. Equifax has ignored this request multiple times. XXXX XXXX and XXXX have both verified that the items were indeed fraud and removed them from my credit file. Equifax continues to state they are mine based on " verified '' information. Which is information that has been stolen therefore ; Equifax is only matching my information to another database. As of last week, Equifax has now changed the dates for the date the bankruptcy was filed ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and the date that it was discharged ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. ) THIS IS ILLEGAL!!!! Equifax is purposely changing the dates because as I stated in my Civil Suit against them, I can prove that I was at the airport at the time that it was filed. THIS BANKRUPTCY NEEDS TO BE DELETED TODAY! My attorney has been made aware of this new fraudulent practice by Equifax and we will act accordingly. I know my rights under the FCRA and I will be pursuing them against Equifax to the fullest extent of the law. 

I have attached the information that they are changing. 

DELETE THESE ITEMS FROM MY CREDIT REPORT. THEY ARE NOT MINE. I DID NOT OPEN THEM NOR DID I AUTHORIZE ANYONE ELSE TO DO SO.
Product: Checking or savings account

I transferred money to my Citibank account from my XXXX XXXX account on XX/XX/2023 in the amount of XXXX. I made a few transactions and my account was blocked on XX/XX/2023. I went into the XXXX branch and spoke with the teller, she told me because the XXXX XXXX transaction name was in the name of XXXX XXXX, it was a third party and therefore flagged and my account had been sent to the fraud dept. I proceeded to tell the teller it was not a third party it was just an alias name on the XXXX XXXX. Same if someone had put " dodgerfan ''. It was not another person. I had my XXXX XXXX account on my phone, with my details, my account, my bank linked to the account, as well as my email address, my phone number and current address which is all up to date and concurrent with my state valid driver 's license. They couldn't help me. I got on the phone with Citibank, had the teller speak to the XXXX dept and still there was nothing that could be done. I left with a response of wait 30-60 days and u will receive a letter and a cashers check in the mail. My account then was officially closed XX/XX/2023. I have went to XXXX different branches, I have called the fraud dept, the IRT dept, the security dept over XXXX times now. It has been over 60 days and I still haven't received anything but the run around over and over, with being told my check will b sent out with a letter from the bank. 
I have then been told on multiple occasions my check has already been sent out. The remainder of funds that was in my account and owed to me on the closing statement was {$8000.00}. There was never no fraud and not once did anyone acknowledge my XXXX XXXX account for proof of transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are trying to get Corporate Credit and have a company helping us to do so. Everything needs to be consistent and correct. When Experian show a credit report my address is incorrect. In their system my address is correct. What will be seen by the corporate credit company is the credit report address. The address is being reported correctly for my husband. WE HAVE BEEN TRYING TO FIX THIS SITUATION FOR 38 DAYS. We have been on hold for hours. We have been promised a correction and it never happened. We have been told we'd get a call back but it was a lie. ALL LIES. Experian has now blocked us, refuses to deal with it or let us talk to a supervisor. BOTH OF THE OTHER CREDIT REPORTS HAVE THE CORRECT ADDRESS ON OUR CREDIT REPORTS. We are on the verge of having our livelyhood ruined. 
They have also spelled my middle name XXXX incorrectly and the past 4 addresses are incorrect