23daVinci/CFPB_Complaints huggingface dataset:
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 under 15 USC 1681 Dept of ed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

According 15 U.S.C 1681 section 602 A states I have the right to privacy.

According 15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

According 15 U.S.C 1681c.A ( a ) ( 5 ) Section states. No consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse item of other of information, other than records of convictions of crimes which antedates the report by more than seven years.

According 15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer reporting agency. if the person knows or has reasonable cause to believe that the information is inaccurate,
Product: Credit reporting, credit repair services, or other personal consumer reports

Sychrony Financial has placed an unauthorized hard inquiry on my XXXX Credit Report. The inquiry was placed on XX/XX/2020. I didn't authorize this inquiry.
Product: Checking or savings account

Repeated misuse of posting transactions at XXXX. Constantly posting transactions based on their discretion so that customers never are sure of the accurate amount of money within their checking account at any given time, allowing for higher probability of overdraft fees and other issues to occur.
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  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX : XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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: Mortgage

We were behind 4 payments with our previous mortgage holder XXXX Bank when they sold our Mortgage to XXXXMr. Cooper. When we contacted XXXXMr. Cooper to make a payment we were told the past due balance had transferred and they required XXXX simultaneous payments before they would allow us to make single payments. It took a couple weeks to get the funds together and it that time we passed over into the following month. When we called to make a payment we were told that they would now require XXXX simultaneous payments before they would allow individual payments. We again took time to gather the funds and contacted them again today to make the payment. They now have told us the remaining 2 months would be divided and added to the remaining XXXX mortgage payments of the year. When we stated we couldn't afford that they told us the only other option would be to file a reassessment of our mortgage but in that time no mortgage payments would be accepted. They keep making it increasingly more difficult to catch up on our mortgage and are leaving out details at every turn.
Product: Credit reporting

The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with Equifax and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name XXXX Thank you in advance for helping me get these removed from my credit report.
Product: Credit card or prepaid card

I have been a customer of Citi Bank since XX/XX/XXXX, and I have a credit card account with them. My credit card APR standard purchase interest rate has consistently been at 9.99 % until this past XX/XX/XXXX, when it was increased slightly to 10.74 %. I received notice from Citi this recent XX/XX/XXXX that they would be raising my APR standard purchase interest rate to over 17 %. 

Citis explanation for doubling my APR standard purchase interest rate, as communicated in my XX/XX/XXXX statement, was due to : - A reported credit score of XXXX ( from XXXX ) - The number of accounts I have in delinquency - Too few accounts currently paid as agreed The aforementioned explanation Citi provided above is untrue and unfounded. My credit score, as reported by XXXX, is XXXX ( XXXX could not provide me with my credit report ). As per my XXXX credit report, I have been late with ( 1 ) credit card payment in a total of 10 years across ( 6 ) credit card accounts. Additionally, with the exception of this ( 1 ) late payment, all of my credit card accounts report " exceptional history '' with me, including Citi Bank.

I therefore disagree with Citis explanation and associated 200 % hike in my credit cards APR standard purchase interest rate. I contacted Citi Bank today, Friday, XX/XX/XXXX, via phone and I communicated everything Ive written in this message to a Citi bank agent. I asked that my APR standard purchase interest rate be changed back to the previous 9.99 %. 

The Citi Bank agent filed a report and this associated request for me, and she said that it XXXXay or may not be considered by the bank.
Product: Mortgage

My husband and I were victims of a loan modification scam in XX/XX/XXXX that caused us to become behind on our mortgage payments. When XXXX was made aware of this by the FBI and Civil Rights Authorities they agreed to give us an Uncontrollable Right Off stating that we did not have to pay any more mortgage payments as long as we stayed in our house but must get insurance on it and pay the property taxes each year.We did this and heard nothing from anyone and we have not receive a mortgage statement scene XX/XX/XXXX. Then XX/XX/XXXX we receive a foreclose notice from FCI Lender Services. We stopped the foreclosure by filling Chapter XXXX that was dismissed due to my husband being laid from his job. FCI Lender Services have been does not communicate with us and has again sent us a foreclosure notice postmarked on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX. we believe that we are being scam again. We talked to Legal Aid and was told to hired a restate layer but we can not afford one. Our house is currently under a short sale contract and FCI Lenders have still filled for foreclosure again. They did not even give us a thirty day notice.
Product: Credit reporting or other personal consumer reports

As seen in the CFPB complaint Transunion was tasked with investigating specific files. Instead of doing so Transunion investigated files non related to the files requested and reported back information that was never requested. This malicious action has not only resulted in Transunion going past the 30 days required for a dispute they have also intentional misled the CFPB by reporting false information to cover their lack of accurate FCRA disputes. This is one major consumer violation in a line of multiple other Transunion has violated and refused to acknowledge. Transunion continues to report false information and violate consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a payday loan from Ace Cash Express in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXXXXXX XXXX Account to report to ChexSystems. I do not recognize the address or account number associated with this report.
Product: Mortgage

I just happened to be reviewing the payment history of the loan for another purpose. The payments are automatic drafts of 1. standard payment ( interest and principal ) and 2. an extra principal payment in the same amount of the standard payment. 

On XX/XX/2025 the company credited me my extra principal-only payment of {$890.00} and then on the same day took out the same payment, but took the XXXX in the form of interest and principal. This action added an additional {$750.00} to my principal balance. 

I called the company on XX/XX/2025. They were quick to fix it over the phone and update the payment history. All is well and this is the first time this has happened. I did feel the need to report it to a third party. 

Thanks!
Product: Debt collection

I was court appointed on XX/XX/17 by a PA Court of Common Pleas Judge, XXXX XXXX XXXX, in XXXX County to gather records related to the indigent client, XXXX XXXX XXXX. The court order clearly stated " It is also ORDERED, that XXXX XXXX XXXX be permitted to photocopy or to have faxed/mailed/emailed to him any and all of the records AT NO COST to either XXXX XXXX XXXX and/or the County on behalf of said indigent Petitioner. '' On three separate occasions I contacted XXXX XXXX informing them of the above, with no success -- not to mention that at no time was I ever informed by the agency from whom the records were requested initially ( XXXX XXXX XXXX ) that any fees would be involved if records were sent. 
Now I have been sent a letter from the XXXX XXXX XXXX, a debt collection agency that they expect me to pay XXXX XXXX {$75.00} for the copying of 76 pages of information, equal to {$1.00} PER PAGE. This, in and of itself, is an outrage ( $ XXXX/page ), let alone AFTER THE FACT charging the fees, PLUS IGNORING A JUDGE 'S COURT ORDER.
Product: Debt collection

Apparently this {$9100.00} debt was added to my credit on XX/XX/XXXX but I was only made aware of the debt on XX/XX/XXXX when XXXX XXXX notified me. I have not received any mail, phone calls, or emails from Plaza service. They have not notified me of my right to dispute nor have they verified that the information they have is correct. XXXX XXXX XXXX offered me a pay off amount of {$1100.00} to take care of the debt but I did not have a job or housing at the time. XXXX closed the account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting inaccurately on my credit report and not following the Federal Trade Commission 's rules. Looking to purchase my first home, I opened a secured credit card with Capital One in XX/XX/2021 in hopes of increasing my credit score-but the opposite has happened with me being swindled by Capital One. I deposited {$1000.00} by bank transfer which was my credit limit. I made all payments on time and even paid the balance off, never missing a payment. Kept my utilization low, under 25 % for six months. Around XX/XX/2021, there was a purchase in the amount of {$580.00} that I did not authorize. I then immediately filed a dispute with Capital One. The dispute was supposed to end XX/XX/2021. Capital One kept my refund from my deposited monies as a permanent credit ( that no attorneys or creditors have ever heard of ), that cant be used due to the account being closed. Capital One has reported inaccurately on my credit report, such as a high credit balance and closed the account while there was an investigation going on. 
Capital One is reporting a high balance, paid satisfactorily. Which Capital One has admitted I have money that they are " holding '', over half of the deposit I sent and are keeping it ( for now, due to my attorney and I demanding my monies/ and / or going to court ). The balance can not be high if there is a credit! That is factual that {$580.00} of {$1000.00} is not spent! 
I have never written into the CFPB about this matter, only about Capital One keeping my money. I just want to make sure this is all documented.
Product: Credit card

Hi my name is XXXX XXXX recently applied for a chase freedom XXXX  card in XXXX XXXX had my application reconsidered and approved.i activated the card and called chase to confirm I received my card.i used my credit card 3 times and they shut my account down!!!! My credit score went from XXXX to XXXX!!!!! They gave me no explanation of why they locked my online ID CREDIT MONITORING AND CLOSED MY CREDIT CARD WITH A BALANCE.THIS IS UNFAIR! THIS HAPPENED IN A MATTER OF DAYS. They gave me no reason this is has me so me so upset as a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my bank account back in XXXX and noticed a deposit of {$100.00} to my main, personal checking account from XXXX. I had never heard of this service before this date. There were many other fraudulent issues on these accounts as well that have all been resolved except for this one. I tried to reach out to them, which is nearly impossible unless you have an account there, and I was directed to their fraud department. 

I don't remember this exact date, but it was some time in early XXXX. I was told I would receive information to send back to them and this was never sent my way. 

On XX/XX/XXXX, I called and got a fraud case set up for me and they sent me information to fill out. I sent them an email to the email address they provided with questions regarding the documents required on the XXXX. In this email, they explicitly stated I had 15 days to return all these documents. 

On the XXXX, the same day I sent my questions, I got an email saying the case has been resolved/closed due to lack of response from me to the company. I then sent another response to that email saying I had questions that didn't get answered and then asked if my case was actually resolved or if they were just closing it for inactivity - even though there was activity. 

On the XXXX, I received another email claiming a different ticket was closed. Again, no questions were ever answered. 

I was reaching out to them to begin with because the account that was opened in my name is late and is hurting my credit score. I have filed disputes with the 3 main bureaus and I am concerned that they are going to reach out to MoneyLion and XXXX will claim that I haven't tried to resolve it with them - even though I clearly have. Another concern of mine is the fact that they have a different amount than what I see. I received {$100.00}, they have that it was {$150.00}, but my credit report is showing approximately {$500.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against American Express and the credit reporting agencies for continued violations related to the account AMEX - XXXX. I have been disputing the inaccurate and unverifiable information on this account for over six months, yet the errors remain. This is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues and Violations : Inconsistent Reporting Across Bureaus : The reported balance is {$10000.00} across all bureaus. 
However, the high balance is inconsistently reported : XXXX and XXXX report a high balance of {$0.00}. 
XXXX reports a high balance of {$18000.00}. 
These discrepancies are unacceptable and reflect a failure to maintain accurate and consistent reporting. 

Contradictory Payment Status : The payment history reflects late payments while simultaneously indicating the account is charged off with no further payment obligations. This inconsistency undermines the validity of the reported information. 
Duplicate and Conflicting Comments : Comments state the account was closed due to inactivity and also charged off. How can an account be inactive yet continue to generate derogatory marks? 
Failure to Validate the Debt : Despite repeated disputes for over six months, neither AMEX nor the credit bureaus have provided adequate validation for this debt. Reporting unverifiable information is a direct violation of the FCRA Section 609. 
My Frustration and Damages : I am beyond frustrated with the incompetence and disregard for my rights displayed by AMEX and the credit bureaus. This ongoing issue has caused significant damage to my credit profile, preventing me from accessing fair financial opportunities. The fact that this inaccurate information continues to be reported after XXXX  months of disputes is inexcusable.
Product: Mortgage

I have been served with foreclosure papers from Nationstar Morgage. I am currently working with a Foreclosure Prevention Program Manager. See the contact info below. 
XXXX XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX. XXXX XXXX is my representative. With XXXX XXXX working on keeping me and my family in our home, we have been asked 4 TIMES to submit the SAME PAPERWORK. Nationstar requests a whole bunch of documents. I comply and send EVERYTHING requested. Nationstar simply sends me a denial notice and when XXXX XXXX follows up with an inquiry as to why we were denied a modification, Nationstar simply repeats the request for the EXACT SAME DOCCUMENTS. I am very frustrated and really ready to tell them they can have the house. We are a middle class family struggling on XXXX XXXX to keep our modest home. I am extremely frustrated with the way the banks handle the entire procedure. Nationstar is a HORRIBLE COMPANY and does NOT work with homeowners who have had hardships.
Product: Credit card

I recently had my checking account garnished without warning for XXXX ( which has rendered me unable to pay my utilities ) i recieved a letter stating i owed XXXX after the fact. I traced where this came from and it was due to account from a XXXX account i had XXXX years ago and im fairly sure the credit limit was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Mortgage

I'm having trouble with 21st mortgage company and was told by them more then once I'm not behind and I'm being threatend by them they are saying if I am 1 day late will sue you by one supervisor the other supervisor I spoke with I asked then to wait on the other XXXX dollars for XX/XX/2021 a and I'm going true vary financial hard ship since my wife passed away in XXXX of this year ever since they been vary demanding and told me will list your home for sale and for close on you i said to them wait till the XXXX the of XXXX after thy told me i was all paid up for this month and i made other arrangements to pay on my car so it wouldn't get repoed then thy said CANT YOU DO THE MATH you sent in 2 pYments and witch i didone on thee firest and another on the XXXX that dont add up after thy told me i was paid in full this month i need help
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Credit Reporting Due to XXXX  XXXX Bankruptcy Discharge Dear CFPB, I am filing a formal dispute concerning inaccurate information on my credit report by XXXX, Experian, and XXXX. I filed for XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/year>, and it was discharged on XX/XX/year>. This was a no-asset XXXX  XXXX case, where all dischargeable debts, whether listed or unlisted, were discharged under 11 U.S.C. 727 ( b ).

The following accounts are inaccurately reporting late payments and charge-off statuses, despite being discharged. The screenshots of the accounts are attached.

Under 11 U.S.C. 524 ( a ), the discharge injunction prohibits creditors from reporting debts as delinquent or attempting to collect on discharged debts. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus must accurately report the status of discharged debts. 11 U.S.C. 727 ( b ) ensures that the discharge covers all pre-petition debts, whether listed or unlisted, except for specifically non-dischargeable debts.

Please investigate and update my credit report to reflect the discharge of these accounts and remove any reported late payments or charge-off statuses. 

Enclosures : Copy of Bankruptcy Discharge Highlighted Credit Report showing errors Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a secured credit card with XXXX XXXX .the card began not to work and I had over paid the card so the bank owed me a balance on the card. They then proceeded to charge me with late fees while owing me money on a malfunction card.the contract stated a review after a year to turn into a u secured card. They continued to put it off after I asked multiple times after a year. They breached their own contract in multiple ways and therefore we should gone into arbitration and not charge off status or reporting to me credit. This is securities fraud on their part and evading their fiduciary responsibility. 


There is incorrect information on my credit report I sent a debt validation letter, certified mail to XXXX XXXX  on XXXX XXXX and also a method to verification letter on XXXX XXXX to all XXXX credit reporting agencies and received nothing back from anyone. Also I sent a XXXX XXXX dispute letter on XXXX XXXX to all XXXX credit reporting agencies certified mail, showing the inaccuracy and difference in all reports.XXXX  and Experian have continued to ignore me and report inaccurate information, under 15 usc 1666b timing of payments this information should not be reported in the first place and also under 15 U.S. Code 1681b - Permissible purposes of consumer reports I was never provided proper documentation to verify this information.under 15 u.s. Code 1681 the information has never been verified and must be removed under the fair debt collection practices act. This is also a violation on the 1974 privacy act I do not consent and opt of of this information 15 usc 6802 opt out,. 12 United States Code 1001.17 cfr opt out.also a violation of the fair credit reporting act