23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX/2025 XXXX XXXX  XXXX/XXXX/2025
Product: Money transfer, virtual currency, or money service

Visited local Chase Bank in XXXX XXXX, NC after visiting XXXX XXXX in XXXXXXXX XXXX XXXX XXXX at XXXX confirmed that XXXX XXXX, the escrow account for XXXX XXXXXXXX XXXX XXXX, was not a legitimate escrow company. Could not verify its existence through the CA Secretary of State. 

Presented name of entity, Loan Disbursement Contract with XXXX to Chase Bank. Chase would not release any information about the account. It's final determination was made XX/XX/year> that they will not cooperate until the authorities get involved. 

Fraudulent checking account in question : Chase Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account holder name : XXXX XXXX Account number : XXXX Amounts received in account by wire transfer* : {$12000.00} - XX/XX/year> {$11000.00} - XX/XX/year> Two deposits over {$10000.00} within 2 weeks or each other. FINCen requires a Currency Transaction Report ( CTR ) and a Suspicious Activity Report ( SAR ) be filed with the Treasury Dept to identify the principals on this account and to prevent the very fraud that Chase Bank allowed to occur under its fraud-prevention protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Governor XXXX of California shut down the state and ALL NON-ESSENTIAL workers were order to stay home until XX/XX/XXXX due to COVID-19 pandemic. I am a XXXX XXXX and we are consider non-essential. My building where I lease a salon suite , closed the building until stay home orders are lifted. All my wages depends solely on clientele. Once I lost wages and was unable to receive unemployment, I was unable to pay my Macy 's Store credit card due XX/XX/2020 in the amount of {$60.00}. On XX/XX/XXXX, I called Macy 's to enroll me in the Relief program for customers whose jobs have ben affected by the COVID-19 pandemic and if my late payment was reported, if it was could he revered it. He said he couldn't see if it was on reported and that I have would to look on my credit report. Today, I see that Macys has reported " late payment '' on my credit report, which is utterly disgusting to do during a pandemic when we are all struggling to survive, keep our family safe and are forced to stay home relying on a tumultuous government. I am on public  assistance now and EDD just allowed sole proprietors to apply for benefits in XX/XX/XXXX. I would like this inaccurate " late payment '' removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/XXXX I called to Equifax consumer affairs to fix incorrect information on my credit report I was told to fax supporting documentation to them and I did that and they still did not properly fix my report. Today I call after getting alerts from my fico that several inquiries had been on my report that were not up there previously I ordered a new report with my fico to find that Equifax had changed my date of birth to an incorrect date of birth. I call them back and they tell me that they can not change the date of birth unless I send them something with my date of birth on it. preferably my ID. I had already sent them this back in XXXX when they asked me to, and now every time I ask have to call them I have to send in more information. This is really getting so frustrating its nerve wrecking, its literally causing me very bad emotional distress. They get to be over my credit file but don't get to make sure that they are keeping it accurate. They constantly mess up my file, and don't care. I have 3 collections on my report that were removed back in XXXX that reappeared. They claim they have no record of the accounts not being removed from my file, but told me same thing about another account then i found the confirmation number for that account of an item that was deleted then they found that one. I have filed the identity theft report with FTC and will include that with this complaint. They keep letting old accounts, addresses and and names reappear on my credit report even after removal. I have been trying to ask them why is my account in the office of consumer affairs they will not tell me an exact reason, they will only tell me that its because it is. Every time I ask to speak to a supervisor they all tell me that they are supervisors and that they are the only ones that I can speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ABOVE IS A LIST OF INQUIRIES
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My employer is : XXXX Insulation Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a complaint to the CFPB stating that TransUnion is falsely reporting a bankruptcy and that I would like it removed. They took 60 to complete the investigation responding with very little information and stated in the complaint they would send me a copy of the updated information on my credit report through mail. I never received the credit report. One month later, I called TransUnion to request a copy of my credit report and they still have not sent it to me. XX/XX/XXXX I tried XXXX to receive a copy only for them to tell me there was an open dispute on my credit report and I couldn't receive one. So i used my XXXX report, from XXXX XXXX to retrieve the report only to see that TransUnion is still reporting that the US Bankruptcy Court XXXX XXXX, GA is reporting the bankruptcy. I have enclosed a copy of the letter I wrote to the courts as well as the letter they sent back stating they do not report information to the credit bureaus. I wrote a letter to XXXX requesting a report and they stated in their letter, if the bankruptcy way before XXXX, TransUnion was using XXXX who verifies their bankruptcy information through PACER. I have enclosed a letter from XXXX showing they could not verify the information and they deleted the bankruptcy. They also deleted it from my XXXX XXXX XXXX. So I am confused as to who the furnisher is at this point. And seeing how they are falsely reporting this its in violation of my consumer rights 1681 ( a ) ( b ) to privacy and accuracy. At this time i am requesting that your agency hold TransUnion accountable and reinvestigate this matter and update the results, otherwise i am following up with my atty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I has a credit card through XXXX XXXX and I maintained payments until XXXX XXXX raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Product: Credit card or prepaid card

I purchased a painting on XX/XX/2020 from XXXX XXXX for {$130.00}. Once I received the painting the canvas was loose, the frame was much larger than in the picture and the quality was not anything like shown on the website. 

I communicated with the seller on XX/XX/2020 and let them know that I wanted to return the painting and asked for an address to send it back. 

They responded on XX/XX/2020 and asked me to send them pictures of the item. 

I sent pictures over on XX/XX/2020 and again asked for instructions on how to return the item. ( I received no response ) I followed up on XX/XX/2020 and asked again for return instructions. 

They responded on XX/XX/2020 and said that they would send out another painting. 

I responded on XX/XX/2020 and told them that I don't want another painting I just want return instructions. This was the 3rd time that I had requested return instructions. ( no response from them ) I reached out for a final time on XX/XX/2020 and told them that if I did not receive return instructions by XXXX PST on XX/XX/2020 I would be reporting to my Credit Card. ( received no response ) Disputed with my CITI Credit Card on XX/XX/2020. 

CITI did not approve my dispute which I can not understand why, I provided information on our communications and images of the item.
Product: Checking or savings account

I opened a checking account with Truist on XX/XX/year>. They had a promotion that offered a {$400.00} bonus if you opened a checking account and met some requirements. 
I met the requirements that were clearly stated in the offer terms, which basically resumed to setting up direct deposits to the account and keeping the account in good standing. After their evaluation, I received an email saying that I failed to meet the promotion requirements. I called them and asked what the reason was, and they informed me that it was because the balance on my checking account was {$0.00} when I should have had at least {$1.00} in my account when they ran their verification. I said that the {$1.00} requirement was not clearly communicated and that I should still get the bonus as I met all the requirements that were clearly stated, including setting up the direct deposits and keeping the account open and not overdrafting it. They refused to accept my request and said that the {$1.00} requirement is mentioned in the terms and conditions and that there's nothing they can do. 
It turns out that the requirement that was mentioned in the terms was {$0.00}, not {$1.00}, and it was printed in a remote section of the Terms and Conditions document and not along with the Offer information section that specifies the rest of the requirements for obtaining the bonus. It would have been very easy to maintain a {$0.00} requirement had I know about it, but because they conveniently failed to mention this requirement up-front, I was denied the offer bonus. I would like them to reconsider awarding my bonus as per the intention of the promotion, as I have honored the requirements that were clearly stated in the offer information. 

The Terms and Conditions of the Truist offer are attached to this claim. Note that the Offer information section is the only part displayed on the offer page when opening the account.
Product: Mortgage

Since XXXX XXXX XXXX This company has systematically prevented me from obtaining true reason to why my all of my modifications are being denied AFTER they give a invalid explanation of their reasoning AND then when i do show proof of their errors, and patterns of violations of FACTA caused by their own omission they never received timely docs on multiple modification denials causing unnecessary harm that could have been prevented so my point is had they Secured my documents all along this wouldn't have harmed me and i wouldn't have a bunch of complaints .Mr cooper has continually violated section 12 U.S. Code 5219 - Foreclosure mitigation efforts of the Dodd frank act cause they haven't fulfilled their part of the bargain by Securing my information properly and accurately depicting exactly what my ability to repay etc then I never get a real explanation as to why after they are caught in their lie.. I mean they could have said we saw a error but NOTHING. then it caused serious stress and financial harm that was unnecessary.. I mean its thanksgiving and im still at it with this servicer that wont do the right thing and even when they are compelled by Cfpb etc they jsut stiff judgments and hurt more people with their polices .. whose the chief compliance officer of this company?? one must be called to task for the ineptitude of this farce attempt at compliance with federal and state regulations that were simply put into place to protect all consumers
Product: Credit card or prepaid card

GreenSky financing account opened in our names by Renewal by XXXX despite our insistence that we would pay cash for our renovation project. 

We only found that the account was opened because the sales person charged 3 times the down payment amount to the account without our approval. 

A payment on the fraudulently opened account was missed before the new windows were even installed. GreenSky threatened to damage our credit rating. 

It took over a month to have the account XXXX  out. GreenSky still shows the account as available on their site. 

Beware of XXXX XXXX sales personnel & GreenSky financing. All they want to do is set up a fraudulent account & start charging fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Take name down to just XXXX XXXX XXXX and Only active addresses are XXXX XXXX XXXX XXXX XXXXXXXX Texas, XXXX, XXXX XXXX XXXX, XXXX, Alabama, XXXX
Product: Debt collection

I am filing a complaint against LVNV Funding LLC regarding an alleged debt they claim I owe. This complaint is my formal request for validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite not having provided validation, LVNV Funding LLC has reported this debt to credit bureaus, which is adversely impacting my credit score.
Product: Credit reporting or other personal consumer reports

I carefully watch my credit report. I received updates by email and came across these inquires that do not belong to me. I have not applied for any accounts and not sure WHY these accounts are on my consumer report. Send me any documents with my signature on it stating Ive allowed these accounts to report on my consumer report. Please update and remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loan is service d by Navient and has  incurred high interest rates. This is a loan fro m 2005 an d I currently an active student pursuing my  XXXX  Degree. There are errors within this loan.
Product: Student loan

I have not received any notices of transfer of servicing for my student loan. When I logged onto XXXX on XX/XX/2018 to make my monthly payment, the website page stated that my loan was no longer serviced by XXXX XXXX. I am unable to access my loan account information and billing documents. The alert stated that my loan was transferred to XXXX XXXX. I have been waiting over half an hour to connect with a telephone representative to try to confirm the transfer. Further, I am trying to also connect with their online chat system but the chat box has stated that a rep will be within 13 min, but I have been waiting longer than that and no one has responded. I am unable to get in touch with anyone on Heartland to confirm the transfer and figure out where to send my monthly payment.
Product: Student loan

My credit report was showing a few late payments in  XXXX  and  XXXX . I filed a dispute because the account was in deferment/forbearance for the dates during which the alleged late payments occurred. I got a report from  XXXX  this morning stating that the dispute was closed and the late payments were still showing on my account. I contacted  Fedloan and received no answers on why they did n't respond to the dispute. If Fedloan re sponded to the dispute request why were n't the late payments corrected? Also, I requested a copy of the letter that shows the account was in deferment in  XXXX  but have not received it yet. It has been ov er 4 week s since the original request. I called customer service and was told the initial request was entered in error b y Fedloan. Then, t he request was modified on  XXXX / XXXX / XXXX . I still do n't have the letter..
Product: Debt collection

Not only was the wrong amount attempted to be collected, but after speaking to an executive in regards to my dispute they did infact disclose that they do record some calls, but not calls. 

I was never told this and feel that this company should have dislosed upon it 's first initial communication that some calls may be recorded. 

I am very very concerned and feel that greater transparency on how Bilateral conducts itself is of public benefit. Recording a call without knowledge of a consumer or without warning that some calls may be recorded is a serious offense, perhaps a class wide offense. 

this complaint is in connection with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent a depute to Equifax Information Services LLC regarding incorrect information on my credit report. I was never sent any information regarding the depute in writing like I ask the only way I knew anything happened is by the web I ask that whatever the outcome I will be sent that information in writing with 30 days from theXXXX I never received such information. being that I never heard from them within that 30 days the information in depute should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive applied for credit cards on credit karma because of misleading information telling me I was pre approved for certain credit cards that I wasnt and now I have hard inquiries on my credit report XXXX cant get off!!! Let alone I didnt get the credit card! I have a credit repair agency looking into it for me now, and of course I had to pay the XXXX to help me.