23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2015 {$660.00} Considering this debt is due to identity theft I contacted the credit bureau to find this debt on my credit report. I made attempts to contact the company directly and was referred to complete an FTC report citing identity theft.
Product: Checking or savings account

XX/XX/2021 Chase bank debited my account XXXX for their " Overdraft Assistance Fee '' and then debited my account XXXX for my XXXX XXXXnsurance through XXXX XXXX pay. My account was left at XXXX XX/XX/2021. 
On XX/XX/XXXX, My XXXX XXXXt was delivered to my XXXX account of XXXX. Instead of my XXXX  account being XXXX it was XXXX. They canceled my XXXX XXXX insurance with XXXX and then CREDITED my account again XXXX with their " Overdraft Assistance Fee ''. I watch and wait from XXXX XXXX XX/XX/XXXX to see if XXXX insurance will send an email stating my XXXX was sent back and they need a payment. But I never receive an email, I check my XXXX account and its stating the payment was valid and accounted for. I talk with a chase XXXX and they are saying the payment was never received. So for two weeks i had a XXXX Car insurance payment no where in my checking account but was accounted for with XXXX insurance. On top of an unaccounted-for debit, Chase bank XXXX XXXX '' me XXXX the same day. On XX/XX/XXXX, XXXX sent me an email stating they never received my payment after I called the previous day regarding my account and billing. The one XXXX is returned by the bank from my XXXX account and but was never returned to my XXXX  account. On XX/XX/XXXX I was given a threat that my insurance policy was going to be canceled. So I would like the XXXX to investigate where was XXXX $ was from XX/XX/XXXX - XX/XX/XXXX, and if the XXXX " credit '' my other half of my child credit.
Product: Debt collection

On XXXX/XXXX/2016 I contacted Midland Credit Management to pay a debt a settled amount of debt owed. All there communications to me was either a California address or XXXX Colorado. I was hesitate to give my banking account number and routing number so I told the gentleman I would pay it with credit card. Once payment was approved a foreign transaction fee of {$150.00} was attached. I feel that the company should have told me the charge was coming out of XXXX XXXX but that information was not revealed to me at the time. I am aware that the credit card company charges this fee but had Midland Management informed me correctly I would have used other options to pay them.
Product: Credit card or prepaid card

I have been a Capital One XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. 

However, during the beginning of the XXXX pandemic in early XXXX, shutdowns and quarantines forced people to make hard decisions about financial obligations. I had had perfect payment history until XXXX and XXXX when I missed a payment ( one payment missed two months in a row, so " 60 days '' ) on my Capital One XXXX XXXX, as I was out of work due to an increasingly serious pandemic and had to choose between food/XXXX/credit obligations. 

Since that time, I have resumed my exceptional payment history without a single missed payment. Additionally, the credit cards acquired since that time have received perfect payment histories as well. 

I have contacted Capital One and requested that they apply a goodwill adjustment to remove the late payment ( s ) but was told that they can not remove late payments, even though lenders ( including Capital One ) were actively working with consumers during the pandemic to forgive late payments and delay the reporting of delinquencies. In general, Capital One does not have a policy against goodwill adjustments. Certainly, given the timing of these missed payments ( early XXXX, XXXX shutdown ), a goodwill adjustment is not unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted both XXXX and Equifax about an account on my credit report. XXXX XXXX XXXX is reporting a business bank account as an unsecured loan on my credit report. I never signed a promissory note for a loan and XXXX XXXX XXXX doesn't have any such documents to prove a loan. I sent documents to both XXXX   and Equifax to prove that it's a business checking bank account which was opened under a EIN and the account was under a business name and not my personal name. Both CRA are stating that they received information from the creditor of a loan and have copies of a promissory note which they refuse to send to me because it just doesn't exist. Both CRA acknowledge that it is a business checking account but still refuse to remove the account from my personal credit report because they are being paid by XXXX XXXXXXXX XXXX to report incorrectly. 

Also, XXXX is reporting an incorrect address on my credit report of XXXX XXXX, XXXX CO that they refuse to remove.
Product: Mortgage

We purchased our home in 2006, right after Hurricane Katrina. We were given a high interest rate of 9.24 %, even though we put {$25000.00} down and paid closing costs of {$15000.00}. During the Corona Virus, we struggled to pay the monthly payments. We have our own business and struggled, as everyone did. We asked them to work with us by lowering the interest rate. We have been asking them for many years to see if we can lower the rate. They can't do that because we are self employed. We feel that they are price gouging on the interest rate. We have been there for 17 years. We are now in our XXXX 's, our credit score is high. We feel like we are being discriminated against because we own our a business. There should be no reason for them not to be able to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

I went under the covid-19 forbearance assistance program Made faithful half payments while under. Now need to down size into a smaller home. So getting out from under back to making regular mortgage payments. But was never told the EXTREME negative if go under this program. When started to down size I found this EXTREME negative. For can not get approved for a smaller down size home. 
Everything approved GREEN LIGHT RED LIGHT is this covid-19 forbearance assistance program and since going out from under and did not abuse program Should not be stopping from down sizing into a smaller home
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX XXXX and I started disputing a bankruptcy on my credit report from Experian XX/XX/XXXX. It is erroneous and inaccurate and should be deleted from my credit report immediately because it is stopping me from getting credit. I wrote them asking them in the first letter according to the FCRA section 609 how did they verify this bankruptcy and they sent me an updated copy of my credit report saying it's been verified. I sent another letter on XX/XX/XXXX according to the FCRA section 611 asking them how did they validate this bankruptcy and they said through a 3rd party XXXX. I have proof that they did not do a full investigation on my report because I pulled my XXXX report and in the bankruptcy section it says No Records Found. And I got a letter from the courthouse saying they don't give any information to reporting agencies, so how is Experian reporting this bankruptcy. I uploaded all the proof I have can you please help me get this inaccurate bankruptcy off my credit report. Thank You
Product: Credit card or prepaid card

XX/XX/2022 {$830.00} CALLED CREDITOR CAPITAL ONE AND NOTIFIED ABOUT FRAUDULENT TRANSACTIONS AND UNKNOWLEDGEABLE DEBT NOT LIABLE TO ME, FILED DISPUTE WITH CREDIT BUREAUS TO NO AVAIL
Product: Mortgage

Nmls # XXXX keeps texting me. I dont know who they are or why they are texting me
Product: Credit card or prepaid card

I made a payment of {$29.00} to my Citibank credit card on XX/XX/23 from my bank account. Checked my bank account and there was over {$300.00} in my account. There was no pending charge on my bank account and no return check fee on my Citibank account either. XX/XX/23 I made another payment of {$75.00} and it posted XX/XX/23. there was approximately {$85.00} plus available on my Citibank account. I had a pre-authorized bill pay process on XX/XX/23, XXXX XXXX purchase on XX/XX/23. If there was a returned check in the past, Citibank has locked my card/available balance until the initial payment has cleared in the past. On XX/XX/23 there is now a posted {$41.00} return check fee for the {$29.00} payment from XX/XX/23. I called customer service and they stated that my bank returned the payment that's why they charged the return check fee. My bank statement shows the funds were there from XX/XX/23 through XX/XX/23 and I checked my account daily since XX/XX/23 and never saw a pending payment from Citibank. The representative was rude and combative and could not provide proof that my bank returned the payment. I called my bank and there is no record of the transaction.
Product: Student loan

Ed Financial has admitted to me twice now that their fax lines are not working correctly, but they have refused to communicate this to borrowers who are required to submit forms where fax is an option. It is not noted on their website, nor have they sent out mail or electronic communications. I 've faxed in required documentation twice and they continue to not receive the information. This is an unfair, deceptive and abusive practice that will lead to borrowers to pay higher repayment fees when they have done all they were requested to do to maintain their IBR program status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and a federally protected consumer. On XX/XX/2021, Equifax received my notarized affidavit that states the federal laws disputing fraudulent and adverse items on my consumer report. The original notarized affidavit is enclosed and it states the federal laws that Equifax has failed to comply with. Equifax negligence has caused me harm, since it has affected my ability to obtain new credit. In pursuant to 15 U.S.Code 1681b, I did not give Equifax written consent to report the listed items on my consumer report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Card Services XXXX XXXX XXXX XXXX XXXX Under XXXX Fair Credit XXXX  XXXX  15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of this letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from you within these 30 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC 1681i ( a ), the items must be deleted immediately. 

I am a natural person and I am pursuing my legal rights under 15 USC 1681n, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. Who gave you permission to furnish a consumer report with my personal private information? I did not give Equifax consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Equifax showing that I granted you the permission to furnish my consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Equifax to furnish my consumer report. 

Also, pursuant to 15 USC 1681i ( d ) of the Fair Credit Reporting Act, please send me notice of the removal of the inaccurate and adverse items.
Product: Money transfer, virtual currency, or money service

I have been trying to get this account issue solved with Robinhood Inc for awhile. They restricted my account and would not tell me why, Im assuming because on XX/XX/2023 they declined a purchase with my debit card through them from a merchant they did not approve of. 
On XX/XX/XXXX, Robinhood made the decision to close my account and sent me an email stating they would reach out to let me know when and how I can withdraw eligible funds after they are done their remediation process. They never did reach out, when I kept trying to make contact they would send me emails stating my account has been closed, not really answering my questions. 

On the Robinhood app it still says my account is restricted and under review which will take 7-10 days. It is now XX/XX/XXXX, this happened in XXXX. 
My total account value is {$160.00}. My spending account has {$76.00}. My retirement has a Total value of {$20.00} and my investing has a total value of {$63.00}. 

They wouldnt give me a straight answer and now wont answer my calls at all. 
I have email and photo proof of every correspondence, I just want whats mine. Its like they are stealing my money. 

In their contract it states they reserve the right to liquidate any proceeds remaining and send it to the consumer should they decide to close an account, but they have not done that, therefore breaking their own contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XXXX XXXX XXXX  XXXX {$27000.00} Installment Negative XX/XX/XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving NegativeXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion on XX/XX/XXXX. I had a 71 point drop out of nowhere. I have a very healthy credit profile. XXXX XXXX notified me that a recent account was closed, with no information on what that account was. I contacted Transunion and asked them what happend. I went through algorithmic discussions and the awesome credit profile that I had built. My unlilization was low.My accounts were never late. I have a great profile. I asked why my score tanked from XXXX to XXXX with no indication why. I talked to three different people. I talked to management also. Absolutely no one could answer my questions. I kept getting stonewalled. I picked my credit profile apart piece by piece. I asked what negative factor caused such a drastic change. The had no idea why, with no resolution in sight. I told them I was going to file a complaint. I felt like this is fraudulent reporting. I never had any account closed and nothing reporting on my credit. My credit has suffered with no reason made known to me.I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.
Product: Debt collection

Very threatening and rude to me and my family about collecting a loan debt from me while I am still XXXX. They mail me and call me too much.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Cunsumer Financial Protection Act ( CFPA ). Specifically, Cash Apo failed to take timely and effective measures to prevent and address fraud on their platform, keaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to lift a security freeze on my credit report with Experian numerous times both online, by phone, and via mail and I never am able to have the freeze removed. There is no person to speak with by phone and the company never correspondence concerning the matter. This causes much duress in attempting to transact when all  XXXX  bureaus are needed for a report.
Product: Debt collection

I have know idea where this came from. Some one must've stolen my identity. At the time I was living with my sister I don't know who is impersonating me. I think maybe she knows something about this. I will press full. Charges. This is not my debt. It for XXXX $ at an XXXX XXXX. Original. Creditor is 12 XXXX XXXX. On XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report onXX/XX/XXXX and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have permissible purpose to be on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX my account with paypal was put on limitation from the comptroller 's office of texas, my business owed them money. We paid the debt to the comptroller 's office and on the XX/XX/XXXX the comptroller of texas sent paypal a fax to release my hold. Two weeks and no word from paypal, no confirmation they received said fax ; limitation is still placed on account money can not be withdrawn or spent. 

Legally they do not have the right to keep the hold on the account. They do not communicate to me, their customer, on the case. Every contact I have had with them either by online chat and phone calls, they give me phone numbers to the comptroller 's office telling me they are the ones that have control to lift the limitation. 

Paypal does not connect me to their legal department of which they say once they get the paperwork from the comptroller 's office to release the limitation. Since comptroller office say they already sent it the ball is in Paypal court and yet they refuse to give me legal department in paypal nor let the legal department be informed they need to contact me.
Product: Mortgage

I have an ongoing issue with SunTrust Bank, with whom I have my mortgage. Every month, I mail them a paper check to pay my mortgage payment. Pretty much every month, I write in  {$1000.00} additional principal and make the check for {$1000.00} more than the minimum. Every month, SunTrust converts my check to an ACH transaction, which means I don't get a copy of my canceled check. And most of the time, certainly on XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, they process the wrong amount. Their ACH transaction on all three dates is for {$1000.00} less than what I wrote on the check. ( This has happened previously as well. ) I have called them at least four times and asked them to stop converting my check into an ACH, and drawing their attention to having debited the wrong amount. They keep saying they will fix this and then they keep not fixing it. 

The customer service people seem reasonable but somehow SunTrust is unable, or unwilling, to fix this. It would appear not to be a priority for them, and I note that due to my inability to pay my mortgage off faster, I am paying SunTrust more in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two occasions I've sent in a FTC Identity Theft report to the 3 major bureaus and have not received any confirmation of receipt or any action. I need this fraudulent account removed to purchase a home and its becoming increasingly frustrating.
Product: Credit reporting or other personal consumer reports

My identity was stolen I havent tried to open any banks or get any loans.
Product: Credit card or prepaid card

Bank of America has hung up on me twice after hours of waiting and denied my claim twice when my account had a fraudelent withdrawal of {$920.00} on the XX/XX/XXXX. They have done nothing but been unhelpful in getting my money back. I have still been not provided with actual reasoning on why I'm being denied and need further assistance from an institution above them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Update the late payments from my consumer reports