23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a credit card at Home Depot to purchase a XXXX on their XXXX months same as cash plan. I started making payments without reviewing my statement and after approximately XXXX months I noticed I was getting charged interest. I called Citibank who is the issuer of the credit card and the representative their informed me I had to go to the store where the purchase was made to get the interest reversed and setup on XXXX months SAC. It took me another couple months or so to make it to the Home Depot store where I ended up speaking with the store manager who informed me they ca n't correct it without speaking to Citibank and no one was available that day. I provide my information and they were to call me in a couple days with an update. I received a call that they were correcting the issue by refunding the original purchase and sending the purchase back thru on the XXXX months same as cash. This was nice since they restarted the XXXX months. However they refused to refund the interested that had already accrued and the discount I was provided for purchasing at Home Depot rather than going to XXXX. I want my discount and the accrued interest credited back to the account. Your help is greatly appreciated. Thanks, XXXX XXXX
Product: Checking or savings account

I have a few accounts with this institution, some that I use more than others. My account ending in XXXX I hadnt used in a few weeks and kept receiving notices of returned payments. I called Navy Fed to inquire. I was advised the charge was for XXXX XXXX. I do not have a membership with XXXX XXXX and I have never been to a XXXX XXXX ever. I advised it was unauthorized. The agent assisted with closing the accounts and opening a new one. The charges were disputed. On this call I also asked why is it that we members dont receive full disclosure of the transaction that is returned. Members only receive a notice of the alleged attempt with the date and amount of the alleged attempt. Members dont know who tried or who to call and sort it out. Due to this we have received numerous fees because we are on a wild goose chase trying to find the merchant to stop the charge. I received a notice letting me know the merchant provided proof of authorization. However, this was not provided to me. I was sent a one page document claiming proof was provided ( attached ). When I asked for it, i was advised verbally proof had been submitted and I should reach out to XXXX XXXX. I have never done business with this company. I advised by NFCU and XXXX the charges were not authorized and I am still being charged for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok on XX/XX/XXXX I sent a request letter to the reporting agency about some inaccurate things on my credit report that are violating my rates about the FDCPA. Now it has been over 60 and nobody is helping me get this resolved. Nobody has any answers or can help me get these misinformed items off of my report. You all are my last resort since i have no information on whats going on. FCRA Section 611 ( a ). says if they don't investigate these items within 30 days they should be immediately removed from my credit report it has been over 60 days so they should be deleted according to the law right?.

I demand these accounts be deleted immediately or I will have to file for litigation due to all the stress you caused me. I know my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
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. 

MY NAME IS NOT XXXX XXXX! 

XXXX XXXX HAS VIOLATED MY RIGHTSXXXXXXXX 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 Bankruptcy/HAS VIOLATED MY RIGHTS/ XXXX 15 U.S.C. 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 604 SECTION 2 IT ALSO STATES THAT A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSET OR INSTRUCTIONS.

15 U.S.C 1681S ( 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 THAT ANTEDATES THE REPORT BY MORE THAN 7 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, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # 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 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Mortgage

Cause of DIL : In XX/XX/XXXX, due to my father 's illness, I became the caretaker for him. In XX/XX/XXXX, my father lost his battle with his illness and died. During the aforementioned time, and with the downturn in the real estate market, we were unable to manage the affairs associated with our investment property. In addition, the tenants stopped paying their rents and we were not available to take them to court because of caring for my father. I could not afford to hire a property manager ; therefore, our financial problems became unmanageable, both personal and business.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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: Credit reporting, credit repair services, or other personal consumer reports

This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me!
Product: Debt collection

According to the 15 .U.S.C.1692C all inaccurate information need to be removed
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found this item to be inaccurate. 
Please delete all the late payments from this account. My account has never been late. 
This is my 2nd attempt to get this item updated on my credit report. Please send me a copy of the investigation completed with my original contract for this company. If you are not able to send my original contract, then delete any, and all late payments. If my file is not updated, you will be in violation of the FCRA as follows.

Under 12 U.S. Code 1681a ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, 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 results of the reinvestigation, and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name XXXX XXXX I have changed cards ( got reissue ) and didn't know for months that XXXX XXXX wasn't getting their payment from me. I have for the second time instead of an email, phone call, payment missed letter gotten a letter months later after multiple missed payments the first contact of any kind by XXXX XXXX in the form of an aggressive unethical notice from ALDOUS & ASSOCIATES law firm.

This appears to be highly irregular, and incredibly unethical bad business. I pay my all my bills on time. This is the wrong way to do business and CFPB needs to hold XXXXXXXX XXXX and other corporations accountable for their practices. Please help as I know this is likely happening to other customers that could be having a much worse outcome than me. 


The only thing I want is to make sure that this is never on my credit report and that this company be held to fix any reporting on my credit report for me as I have had this exact thing happen now for the second time. Businesses should be fined and regulated in this area. 

Hope you guys can help all those affected by these bad practices. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$16000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

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

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in 60 days to be removed.

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 21 days before the payment due date. 


XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 


Delete the late payments from my consumer reports 8
Product: Credit card

I received a Bread reward offer letter with earn XXXX bonus points if spend {$1000.00} in the first 90 days. 

I apllied and received card but in different name " bread cashback '' instead of " bread rewards '' as it shows on letter Call customer support then the agent said it the same, no worry. 

After completed request from bread reward ( spend over {$1000.00} the first 90days ) but I did not received any one time reward ( {$200.00} ) from the company ( not like many orthers such as XXXX XXXX, XXXX, etc... ) Called support center and was asked waiting for next statement. However, nothing happent forever. 

Called in many time after that but the agents just loop me around.
Product: Credit card

Citibank sent a letter to me stating that I had been enrolled in their Identity Monitor program without my knowledge. They stated a link in the letter to submit a claim for repayment of the charges. When I tried that link, it did not work. I called CitiBank and talked to their customer service representative. I was told by that person that if I could not access the link provided, I could not file a claim to receive a refund. I have been a customer of Citi for years, but if this is the kind of customer service they offer, I think I will close my accounts.
Product: Credit card or prepaid card

Someone opened a XXXX XXXX for {$10000.00} credit in my name on XX/XX/22, then they tried to open XXXX XXXX and XXXX XXXX cards in my name around XX/XX/22. I have contacted all XXXX companies. But they are sending me letters saying I am " disputing a transaction ''! I am NOT disputing a transaction -- I am DISPUTING THE WHOLE FRAUDULENT CARD! 

I filed a police report, an FTC report, a report XXXX all XXXX credit bureaus, an alert to the XXXX XXXX XXXX XXXX in Florida, and alert to the Senior ID theft website, and everything else I can think of.
Product: Mortgage

I have made serval requests for this already, If you look at the attachment - they are deducting for my home owners insurance to pay*** They have not paid in 5 years, but they are deducting from my account -I have had to pay agent directly - PLEASE HELP! 
Here is what I am requestingESCROW ACCOUNT! - and Escrow account ONLYPlease send me a copy of all " Escrow transactions '' for the last 5 yearsAllPayments ReceivedAll Payments made from my account along withCANCELED CHECKS FOR THE ESCROW REFUNDS YOU SENT ME! 

PLEASE READ CAREFULLY AND PROVIDE THE INFORMATION REQUESTEDCC : CFPB
Product: Credit reporting or other personal consumer reports

I believe a few accounts listed below have violated the Fair Credit Reporting Act in terms of accuracy and my privacy. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A says i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 says a Consumer reporting agency can not furnish an account without my written instructions ( The bankruptcy courts do not provide information to the credit bureaus. The credit bureaus collect information regarding bankruptcy cases from the Bankruptcy Courts public records. No matter the status of your case ( open, closed, discharged, dismissed ) 15 U.S.C 1681s-2 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate.

I also was never given the opportunity to check or dispute information on these accounts, if you believe you have proof of my acknowledgement and receipt of the information on these accounts please provide this proof with my name and signature of acceptance if you have sent certified mail please provide me the receipt with my signature these accounts are hurting my efforts to reestablish credit since my bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

As an airline employee I was directly affected by COVID and struggled to make my mortgage payments so I asked Rocket Mortgage about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by XXXX? 

Ive disputed it with the XXXX credit reporting agencies and Rocket, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a XXXX federal loan for my sons college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

Rocket Mortgage is a predator. They took advantage of my good faith.
Product: Credit card or prepaid card

I submitted a payment to arrive by XX/XX/XXXX, from my bank XXXX XXXX XXXX XXXX ). 
XXXX XXXX XXXXXXXX confirmed delivery of electronic check : XXXX XXXX XXXX This was processed. 

However, Comenity Bank/Bread Financial did NOT credit my account with the payment of {$420.00}. 

I called on XX/XX/2022 to redress the situation. They said they'd flag my account, waive the late fees, interest charges. As of today, XX/XX/XXXX, they still have not done that. 

I have also submitted a second payment on XX/XX/2022 which was processed on XX/XX/XXXX and has not been credited to my account with Comenity. That was for {$500.00}, XXXX # XXXX They then applied late charges for non-payment ( {$40.00} ) plus interest charges ( {$8.00} ) as XX/XX/XXXX. 

XX/XX/XXXX : They have also prevented me from making any new purchases at this point ( which is problematic for shopping at XXXXXXXX XXXX ). 

Comenity also opened a new line of credit under their Victoria 's SecretXXXX XXXX XXXX however, I did not give authorization nor permission. Fortunately the balance is XXXX. Their customer fraud team sent me the new card with accompanying information " they suspect fraudulent activity and that I need to submit additional documentation '' however they were the ones who opened the line of credit on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certificate letter to TRANSUNION LLC on XX/XX/XXXX XXXX XXXX ) asking to validate XXXX XXXX   XXXX AND XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW In XX/XX/XXXX T RANSUNION LLC answered my letter with report number ( XXXX ) indicating that those public record items WERE VERIFIED AS ACCURATE. They use a third party vendor XXXX service to validate the information, In XX/XX/XXXX and XX/XX/XXXX I received from XXXX 2 letters ( attached copy ) saying that were unable to verify the accuracy of bankruptcy case number XXXX and XXXX subsequently they had to remove from their records. It is clear that TRANSUNION LLC used false information to verify the accuracy of the XXXX XXXX XXXX AND XXXX XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED BOTH ACCOUNTS FROM MY TRANSUNION CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, has an address on my account that is not mine and never been mine or anyone in my family .... XXXX XXXX XXXX , Ga. XXXX
Product: Credit reporting or other personal consumer reports

I have numerous unauthorized inquiries on my Equifax credit report. My information was in the Equifax data breach. I have filed an identity theft report with the FTC which is attached. The inquiries are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX