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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXXXXXX and LIGHTSTREAM has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> LIGHTSTREAM XX/XX/year> XXXX
Product: Checking or savings account

To whom it XXXX concern, On XX/XX/XXXX, XXXX, and XXXX my Chase checking account was hacked via the apps, XXXX XXXX and XXXX. There were XXXX transactions in total that were obviously invalid and not made by me, or any member of my family as I am the only person in possession of my phone at all times. I alerted Chase Bank the following day, as soon as I noticed the fraudulent transactions on my account. XXXX of the obviously false transaction was denied by Chase 's XXXX XXXX. All of the others were allowed to be processed. 

Chase did launch an investigation into the fraudulent charges and initially agreed to reimburse me for the XXXX transactions via XXXX XXXX which are as follows : XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$100.00} XXXX : {$700.00} On Thursday, XX/XX/XXXX, I received an email from Chase stating that they decided that these false transactions were made by me, and will be reversing my reimbursement on or after XX/XX/XXXX from my Chase Checking account. Not only are these transactions false, but Chase refuses to provide any detailed evidence or information, so that I XXXX pursue the matter further. 

The XXXX XXXX transactions were made around the same time as the XXXX XXXX transactions and are as follows : XXXX. XX/XX/XXXX - {$220.00} ( this transaction was denied by XXXX ) XXXX. XX/XX/XXXX - {$230.00} ( this transaction was approved by XXXX ) It would seem obvious that anyone looking at these transactions during this time frame could easily see something is off. Especially considering my past history using these app and the recipients of any transactions. 

I have spent hours on the phone with Chase Customer Service, and they can not provide any answers that make any sense as to why I will have to pay for their business getting hacked. 

I am a senior citizen on fixed income and this is wreaking havoc on my financial situation. I do not have the funds to cover this reversal of reimbursement, and as such, will only incur more charges when my account is overdrawn. 

It is concerning that a financial institution can continue to operate in this manner by taking advantage of seniors, and not doing the right thing. This situation leads to more concerns over the security of their internal systems, and I would implore you to take a closer look at these types of scams that innocent, everyday people have no control over when their financial institution will do nothing. 

Kind regards, Real, Hardworking Person
Product: Mortgage

My mother had fallen ill in XX/XX/2016 and subsequently passed in XX/XX/2016. I had missed some time off work under FMLA and as a result my mortgage fell behind but I was keeping up with the payments just enough to avoid the property going into foreclosure so I could catch up later. 

On XX/XX/2016, as I was driving, I phoned my mortgage company to check on the last date I could make a payment to avoid my property going into foreclosure and was told my one of their relationship managers that I had until XX/XX/2016, to make the payment. Because there was a language barrier, I asked her three separate times to make sure I understood the exact date and she told me three times that I had until XX/XX/2016, to make the payment. On XX/XX/2016, I attempted to make the payment online and could n't. I then phoned the company and informed another relationship manager that the computer was n't letting me make a payment and he informed me that I had missed the 89 days and would have to make the complete three month payment in order to bring the loan current. I told him I was not even aware of any 89-day rule and he said the relationship manager I had previously spoken with was supposed to inform me and I told him she had not or I would have made the payment with her over the phone that same day while I had her on the phone. 

I then contacted the mortgage company 's Resolution department to have the call pulled. They said they pulled the call but later told me they could not provide me any information on their findings. I explained the situation and complained that their staff had given me some mis-information which caused me to miss my deadline and therefore send my loan into the foreclosure status I was trying to avoid. 

I filed a complaint and after many many weeks, I was giving the opportunity to apply for a loan modification. This process took several months and they took their time about requesting the necessary information from me in a timely manner and seemed to be stalling. This eventually caused me to miss the deadline for getting the " Making homes affordable '' plan at the end of XX/XX/2016. Now my loan modification has been approved but the note is almost doubled from what I was paying before which is causing me another hardship and which could eventually lead to me losing my property. 

I was initially lied to and manipulated into making my payment after the allotted time so I would be forced into foreclosure. I was also denied the findings of the phone conversation. I have documented each and every call I 've made to the company. Prior to my mother falling ill, I had not made any late payments on my mortgage. I even made double payments a few times. Their mis-hap has also caused my credit to be affected negatively.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court XXXX In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit card or prepaid card

On XX/XX/XXXX, I authorized a balance transfer from my XXXX XXXX credit card to a Barclays XXXX XXXX XXXX in the amount of XXXX. I was charged a fee of XXXX as well. As of XX/XX/XXXX, the balance has still not transfered. I have since had to pay the balance of the XXXX XXXX to avoid deferred interest, so my current XXXX XXXX balance is XXXX. Barclays will not reverse the balance transfer nor the fee. I reached out to them several times via chat to be told that it could take up to 21 days. On XX/XX/XXXX, I called and spoke to someone in person at Barclays who told me she was opening a case and it could take up to 3 weeks. At this point, I am being forced to make payments to Barclays for a balance transfer that never happened in addition to paying off the intended transfer to XXXX XXXX myself to avoid deferred interest.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable information accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with experience, where XXXX has neither corrected nor removed.
Product: Credit reporting or other personal consumer reports

Charges appeared on a random background check in XX/XX/XXXX that were erroneous. The charges were expunged and checkr claimed to fix my report though it took creating a new account with XXXX to get my account online despite being provided order from court and all supporting info. My employ was terminated without cause as a result from XXXX XXXX to XX/XX/XXXX. Forgetting this issue, I changed my phone number on or about XX/XX/XXXX and the same issue has occurred. My account has now been closed unreasonably a second time and this time while I had a rental through XXXX I was paying for to work on the platform. Checkr has reported that they corrected the issue, but XXXX has essentially blacklisted me as a result of their support team being essentially inept. Neither organization will take responsibility and this has cost me thousands of dollars.
Product: Debt collection

Our lease was rejected in our XXXX XXXX  bankruptcy and associated rental debt was discharged via the XXXX XXXX. XXXX XXXX XXXX sold the debt to RentDebt Automated who despite being notified on XX/XX/XXXX that the debt and lease was discharged via the XXXX XXXX still called and attempted to collect the debt today XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 92 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me XXXX  of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX from customer for services rendered. The check was then returned as chargeback listed as XXXX. We contacted the customer who issued a new check that was deposited on XX/XX/XXXX. Both checks were for {$8100.00}. On XX/XX/XXXX the account was frozen pending a fraud investigation. The fraud was nothing to do with me or my business. The issuing bank for the customers check which was XXXX  sent a letter apologizing and explaining the situation. My account is still frozen and I am being charged maintenance fees and all my transactions are being returned causing me further fees.
Product: Debt collection

I was in an apartment that I lived in up until my lease agreement. I gave a 60+ day notice, even have documentation that I cut off the utilities out of my name, and lease agreement of an apartment in a whole other state. A year and a half later I received a collection on my credit saying I owe for 6 months ( XXXX ) after my lease was up. 

I have provided them this information ( disconnected utilities, new lease agreement. ) and tried to dispute but it was denied. 

Ive also had complaints throughout my lease agreement of wanting to move and do a buyout agreement. There was also an altercation with the maintenance guy in the the property management was aware of that resulted me in feeling unsafe and wanting to move out of the complex.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, and XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Debt collection

XXXX Date Opened :XX/XX/2020- I have not applied for anything of this magnitude on or around this date. This collection agency is reporting and attempting to collect thnis debt that I am unaware of. They failed to provide me with a copy of theoriginal aplication with my signature. They continue to send me a bill showaing ayments being made. I never opened the account. If the account was opened on XX/XX/2020 they should have this information. I believe someone has used my information and I need ths information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I Went to purchase a XXXX. I received a denial from. I have never owned a car nor have I ever asked a bank tooled me a loan for a vehicle let alone get a repossession.
Product: Debt collection

ENHANCED RECOVERY CO has damage my financial life by reporting falls information to the credit bureaus for an account is not even mine
Product: Credit reporting or other personal consumer reports

Complaint XXXX was submitted on XX/XX/year> against XXXX and Klarna. Klarna did not provide proper disclosure that a hard inquiry would be made on my consumer report through XXXX. 

Klarna has not responded. 

XXXX responded on XX/XX/year>. It is now XX/XX/year> ; More than 30 days have lapsed and the inquiry must now be removed as required by law.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX ACCT-XX/XX/XXXXXXXX XXXX XXXX ACCTXXXX XXXX XXXX ACCT-XXXX XXXX XXXX XXXX XXXX ACCT-XX/XX/XXXXXX/XX/XXXX XXXX ACCT-XX/XX/XXXXXXXX XXXX XXXX ACCT-XX/XX/XXXX XXXX XXXX XXXX ACCT-XX/XX/XXXX XXXX & XXXX ACCT-XX/XX/XXXX XXXXXX/XX/XXXX ACCT-XX/XX/XXXX I looked at my XXXX credit report on XXXX XXXX2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXXXXXX XXXX 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

As of 2018 XXXX report false information on my report
Product: Credit card

For the past 3 months ( XXXX, XXXX, XXXX ) I have scheduled my payments for the full statement balance on the due date just like I have Always done since I opened the account. The past 3 months, the payment date has changed once I submit the payment. The past 3 months the payment has posted to my account 1 day after I had originally scheduled the payment. The past 3 months I have been charged interest fees. The past 3 months I have called and chatted, on XXXX different occasions, with the company to get things taken care of. They did credit the interest fees in XXXX. They are refusing to credit me the interest fees for XXXX and XXXX. They also refuse to fix the problem with their system since the same situation has happened to me for XXXX consecutive months. I have never paid a bill late with this company and I have always paid the statement balance to avoid any interest fees. Something mustve changed on their end that is now having my payment post a day late. 
Update : I scheduled a payment on XXXX XXXX for the total statement balance to be posted to my account on XX/XX/2024. I took a screenshot as my proof. I then pushed submit and the companys system changed the payment date to XX/XX/2024, which is one day later than I selected. I have a screen shot of this as well as my proof. This same thing has been happening since XXXX. They are refusing to accept responsibility and keep trying to blame me, the customer, for my payments being late yet I know I did not schedule them late, their computer system is changing the date after it has been submitted. The company is refusing to look into their computer system to see if it is making mistakes since XXXX and the data breach occurrence in XXXX. They are not willing to o anything except charge my interest fees. Like I stated, I have proof that their system is at fault for changing the payment date which caused me to be wrongfully charged interest fees.
Product: Payday loan, title loan, or personal loan

I want to know how I can become part of the lawsuit
Product: Credit card or prepaid card

I had an air conditioning system installed on XX/XX/2022 by XXXX XXXX, who offered an 18 month same as XXXX XXXX XXXX, through XXXX / XXXX XXXX XXXX Synchrony Bank. Despite significant difficulties with their XXXX XXXX, I was eventually able to access the online banking system, set up auto pay. A few weeks later, I received my first statement, which was confusing to say the least. Despite a general reference to the XXXX XXXX, the statement does not show the payment required to avoid 26.99 % interest rate ; the statement does show a minimum payment of {$230.00}, which would take 9 years to pay off the loan ( plus an additional {$16000.00} in interest on a {$9500.00} loan ), 3 year payment of {$390.00} ( which would still accrue {$4700.00} in interest ). I called Synchrony customer service, spoke with an agent who confirmed they do not provide the proper payment for the promotion on their statements, it is up to the consumer to " do the math ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove incorrectly reported late payments from my account, despite the fact that the periods of late payment were placed in forbearance. I have tried to resolve this with them via phone on several occasions with no success. I then disputed the reporting with XXXX  & XXXX. 
XXXX removed the late payments in XX/XX/XXXX, and XXXX subsequently added them back on/around XX/XX/XXXX. This violates the following section of the FCRA : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

XXXX has yet to report back on my dispute, however, I would like these erroneous late payments to be removed so that I may move on. I have attached documentation from XXXX stating that the accounts were placed in forbearance during the reported late period.