23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was the victim of a phishing fraud from another country chase bank allowed transactions to be disputed without my permission now they will not refund money that was stolen I believe chase has someone working with to aid the criminals also believe chase bank violated regulation e of the financial conduct code
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a customer service representative today regarding my XXXX card, XXXX XXXX card, XXXX card and my wayfair account. I requested the special payment program as explained to my husband per a recent phone call. I was XXXX  over the past 45 days after I contracted XXXX in XXXX 2020. My husband attempted to contact Comenity Bank on several occasions during my illness to make a payment on the account or to discuss the account and options that might be available. I understand my husband is not on my accounts, however, he attempted to explain the situation and only asked that the customer service representative document the phone, which they did not. Comenity bank has since reported the delinquencies to the credit bureaus prior to me being able to contact them directly. I am requesting that Comenity Bank please remove the 30-60 day delinquencies that are currently being reported in good faith. While I understand this is common business practice, I also understand the current state of the pandemic and that many individuals, like myself, will be impacted by the late payments and my future ability to obtain credit. XXXX XXXX, the holder of my other credit accounts, was beyond compassionate and immediately removed any delinquencies from my credit file as well as any late fees associated with these accounts. I am asking for your compassion to do the same
Product: Debt collection

I am filing this complaint against Trident Asset Management for their repeated failure to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and requests for documentation, Trident Asset Management has continued to report an unverified account on my credit report. They have only provided insufficient documentation, such as a generic statement, which does not meet the legal requirements for validation. 

I have formally requested a contract or signed agreement proving the validity of the debt and their authority to collect, but they have failed to comply. The account in question continues to negatively impact my credit, and their ongoing non-compliance is a violation of my rights under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$340.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Date Opened : XX/XX/2022 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit card or prepaid card

I bought a shirt at Torrid for XXXX dollars and I was 2 days late on the payment which I paid at the store. I was assessed a late payment fee which I attempted to pay over the phone twice. For some reason my 2 payments did not go through so I went into the store to pay the late fee. My present balance is all late fees and minimum payment fees related to the late fee. I do not believe I owe anything. Also my debit card was hacked at the same time. Comenity bank would not work with me they just sent my XXXX balance to a collection company and reported it on my credit report. It was their fault because they did not process the payments correctly and possibly their employee stole my debit card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request but time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and kindly help me to delete these items : XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed XXXX {$5500.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had issues at an apartment where I lived. I have rented for 30 years and have never moved out where I have been taken to collections. In fact, I had lived at the same complex before and had my deposit returned before. This time, I had the bad experience where the apartment next to mine flooded into my apartment and I complained to the upper management about it and asked to have the carpets replaced, they did not do anything about it. Instead, they made me the scapegoat and tried to charge me at move out for the mistake that their maintenance people made when they failed to stop the flooding next door. The apartment was very clean when I moved out and was even done by a person who cleans professionally. I have pictures from the move out as well. In regard to the water bill, the water part was broken and I have pictures of it leaking all over the parking lot. I paid hundreds of dollars in water bills to them altogether which was ridiculous. I feel that I was overcharged for the water to begin with. Also, my apartment was broken into which is why the lock had to be changed since their maintenance men were refusing to do repairs at the end. I told them that the apartment was in very good condition and they said I should have done a walk through and I told them that XXXX XXXX refused to do one and they belittled me and disputed this. They made false allegations against me and made comments that were false. I received harassing calls and when I asked to speak with managers, I was told that they were the higher ups. I feel that they were in violation of the FDCPA and the FCRA due to the facts that they would not validate the debt in the beginning and just reported me and would not let me dispute the debt and kept calling and harassing me after I told them not to call me and after I told them I was speaking to attorneys. Also, I was in Nevada and they were calling me from Washington in the beginning. They also gave me bogus contact information. I have been turned down by three apartments already due to bad references by XXXX XXXX ( XXXX XXXX ) Apartments in XXXX Nevada and now they are reporting this on the credit bureau. I feel that this is in retaliation for filing with HUD in the past as well and other state and federal agencies on them as well as Resident IQ data International. Also, my mail was getting stolen from the complex and I had to file with the postal service about this issue. Resident IQ data harassed me over this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I had my loans discharged and fully paid for by the UNITED STATES government back in XXXX/XXXX. The Obama  administration created what they call the PSLF - Public service loan forgiveness. Which is a program that we qualify for if we work full time for a public sector or a non-profit organization. We have to pay our XXXX  loans for a total of 120 payments ( 10 years ) and the remaining balance will be fully paid for by the government based on the consumer completing the required terms and conditions that was set forth. 

XXXX work for a public sector or a non profit organization recognized by the US . 
XXXX work as a full time employee for the non profit organization XXXX. Pay on time 120 payments ( 10 years worth ) of on time payment XXXX. Remaining amount of the loans will be fully paid for by the government after 120 payments. 

XXXX and XXXX reported that I fully met these conditions and loans were fully repaid in FULL. 

Transunion on the other hand listed my loans as " SETTLED- not for full amount '' and listed my loans under their derogatory section which is equivalent to bankruptcy or collections and is ruining my 40 years of building my credit My loans or any credit were never late for any company in my entire life. This within a single day dropped by credit score from XXXX to XXXX due to TransUnion listing my XXXX  loans as derogatory status even though it was fully paid for and up to date.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information being reported by Transunion on my credit report. The details of the incorrect information are as follows : Account Name/Number : XXXX Nature of the Inaccuracy : PAYMENT STILL BEING REPORTED EVEN AFTER CHARGED OFF Date of XXXX I have already attempted to resolve this issue by contacting Transunion directly, but they have failed to correct the errors or provide an adequate resolution. Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681e : This section mandates that credit reporting agencies ensure the accuracy of the information reported. If they report incorrect information, they must investigate and correct it. Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect hard inquiries on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Download credit karma put my information on in and say something like I dont exist or something
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last four Acoount # 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 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 record 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, credit repair services, or other personal consumer reports

There are several credit inquiries listed on my credit report which Transunion has refused to removed.  I called their customer service a couple of times and they refused to address the issue.  I did not authorize these inquiries and in turn they are causing issues with my credit scores.Here are the inquiries I asked Transunion to remove,1. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX XXXX XXXX(XXXX) XXXX-XXXX2. (XX/XX/XXXX and XX/XX/XXXX) Institution InformationXXXX XXXX XXXX XXXX XXXX (XXXX) XXXX-XXXX3. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX(XXXX) XXXX-XXXX4. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX(XXXX) XXXX-XXXX5. (XX/XX/XXXX) XXXX/XXXXXXXX XXXX(XXXX) XXXX-XXXX
Product: Credit card

I have {$130.00} in 'Thank you rewrds '' on my citi credit card. I am unable to transfer the money to my bank account ( which I have always done ). 

I initially tried on line chat to resolve this, approx 3 weeks, ago with no results, given a number to call. Then approximately 1-2 week ago I spent 2 hours on the phone trying to resolve the issue was transferred to 8 different people and no one was able to resolve the issue. At this point, I was getting transferred back to departments I had already spoken with. 

I supplied them with this error message 'We 've experienced a system error. Please try again or select a different redemption option like statement credit, gift card or Shop with Points ' I was asked to try it from my phone using their app, which I did, but I received the same error message. I was asked to try making it a credit on my statement instead of cash into my checking account, got same error message. I then requested it be sent to me via paper check, same issue.
Product: Vehicle loan or lease

I received my credit report and I noticed unauthorized auto loans they I never had.. These have been rough times during the COVID-19
Product: Credit reporting, credit repair services, or other personal consumer reports

Ashley Furniture XXXX. They billed my account for 400.00 additional dollars without notifying me upon my first in store order. 
XXXX. They delivered a damaged item and made me go through the warranty process instead of replacing it with a new couch with a value of 4000 dollars. 

I am disputing the account and requested that they pick up the item and cancel the order but they sent a repair man instead. 

I went into the XXXX XXXX store where the couch was purchased to disucss and he advised that they would replace with a new unit. They did not and after that visit I was not contacted by XXXX to schedule the delivery of a new Couch. 

They caused my credit to drop by 30 points due to the over limit amount please request that they remove any discrepancies from my account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX 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 of 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

XXXX XXXX account showing in collection in XX/XX/XXXX, when the account was paid in full XXXX with a {$0.00} balance, nothing should have been reported since it was closed that month, this is false information, XXXX XXXX say they did n't report anything since XXXX and Experian will not remove this false information
Product: Debt collection

i have a couple debts thats been reported that i have zero to do with me i dont know if its because my father and I have the same name or if i was irresponsible with my SS # but they have n't been able to verify the accounts
Product: Mortgage

XXXX XXXX was paying my mortgage and per our documentation ( through XX/XX/XXXX ) I was approved for the last quarter but they never sent the payment. Rushmore contacted me and said there was an outstanding balance and then XXXX XXXX told me that I my XXXX funds were reduced to offset the amount received over the {$18000.00}. 

I was prepared to have the XXXX &XX/XX/XXXXpayments but I was told that I need to pay XXXX, XXXX and XXXX as well. 

I received a notice from Rushmore that they deemed my home VACANT! I never received a call or letter from them regarding my property - but I did however speak with with XXXX onXX/XX/XXXX. On XX/XX/XXXXmy landscaper said that there was someone taking pics from the street of my house. I was in the house resting, no one ever came to the door nor was the landscapers, who are XXXX were asked if the owner was home. Instead they were afraid - I cant belive they sent a XXXX XXXX to my home. I want to know how they deemed my home vacant? What communication was used? Whom did they speak with - my XXXX is a sheriff. 

I need this investigated asap, I am also getting a lawyer because Im looking at this as harassment from their vendor. My congressman will also be notified.
Product: Debt collection

The debt has been sold to a debt collector, and the collector has submitted paperwork to the XXXX XXXX in XXXX XXXX in which I live, to sue me.
Product: Debt or credit management

XX/XX/year> XXXX I been try to get hold of someone but they pushing me around
Product: Debt collection

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 I am writing tobformally disputr the validity of a collection account appearing on my credit report. Pursuant to my right under the fair debt collection practices act ( FDCPA )
Product: Checking or savings account

Citibank did an unauthorized webex transfer from my XXXX money market account in the amount XXXX {$50000.00} on XX/XX/2021 XXXX
Product: Credit card or prepaid card

On XX/XX/2020, merchant XXXX erroneously charged me {$49.00} for a subscription that was cancelled in XXXX. I contacted Capital One to request a refund. Capital One initially processed a refund, then reinstated the charge after receiving a response from XXXX  that it was a store credit and that they had not received my cancellation request. Capital one then asked me to submit a response, which I did on XX/XX/2020 explaining the circumstances under which I'd cancelled the subscription service. 

To summarize, XXXX claimed I never cancelled, even though I did. Looking at their complaint history on the XXXX XXXX XXXX, they have literally hundreds of complaints in recent months of people having the same issue : being charged even though they cancelled, and XXXX claiming they never received a cancellation. 

Additionally, as further proof that XXXX did indeed receive my cancellation, I did not receive a monthly newsletter from them at the beginning of the month in XXXX as I usually did. That's because I cancelled my subscription. I did however get a notice from them approximately 10 days after the monthly newsletter is supposed to go out that they charged my credit card. 

After complaining to the XXXX, XXXX responded that because of the chargeback to Capital One, they have now refunded me in full. On XX/XX/2020 they wrote : " After reviewing your account, I do see a chargeback has been filed with your financial institution. Please contact your bank, as those funds now lies with your bank. '' Even though the merchant is now agreeing with me that they owe me a refund and that the refund has been processed, Capital One refuses to refund me. 

I have been charged {$49.00} erroneously, and I would like this fee along with any interest charged on this fee refunded to me as soon as possible. 

I have attached the " Download Complaint Form '' text document which is a printout from the XXXX  website, and I have also attached a screen capture ( " XXXX '' ) from the XXXX  website. Additionally, I've included a copy of my XX/XX/XXXX letter that I sent to Capital One ( " XXXX '' ) disputing their decision to reinstate the erroneous charge.
Product: Credit card

I enrolled in the payment protection program. Initially, the payment protection department was compliant sending me documents and forms to be completed. I completed them right away and submitted them. I called in thereafter to confirm documents I completed were received in good order. I sent them in on three different occasions and each time, the payment protection dept stated they have not received all of my documents when I repeatedly submitted them. They are not following up or initiating my payment protection benefit.