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

I have a credit card with XXXX XXXX XXXX and financed with XXXX XXXX. The agreement was o payments o interest until XX/XX/XXXX they charged ne XXXX every month and additional they report the account past due on my credit report. I submit a dispute and they corrected the credit report as outstanding for the month of XX/XX/XXXX. On XX/XX/XXXX they reported 30 days past due again and I made. I wanted XXXX XXXX to correct my credit report and eliminate the 38 charges for late payment. That constitute a deceptive and abusive action from XX/XX/XXXX. They also decrease approved credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am filing this complaint because the band XXXX XXXX XXXX that I was paying my monthly payment. I applied for and natural disaster forbearance because of the Covid pandemic. Unfortunetly the pandemic affected our house hold income because my wife lost her hair salon business because of the pandemic. We had no other choice but to apply for this help because income was affected. We eventually sold the home in XXXX of 2022 I informed XXXX XXXX XXXX of this. And they said ok no problem and not to worry. So we closed and XXXX XXXX XXXX was paid in full I even received a letter stating that. At no point in time did they say thye will report a late payment when they had no reason or right to do so. They did this after they received full payment without notifying us. And they knew that my spouse lost her business because of Covid. So this report of late payment has affected my score and my spouse score and now is making shopping for a new mortgage very difficult because the lower score we can only get bad interest rates. I have contacted the bank nuerous times and I just get the run around i had 2 supervisers tell me thye didnt report anything and then I have another superviser saying they did. Very rude and not caring at all. All I want is this late payment which shoulf not be there removed off my report and my spouse please. 
Thank you for your time XXXX XXXX
Product: Credit card or prepaid card

After paying off my account Syncrony closed my XXXX Change Account. The account has never has a late payment, and I just paid the account off. Its bad enough that it only had a XXXX dollar credit limit after they lowered it from XXXX dollars, but to close the account for no reason is absolutely ridiculous.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} 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

Fair Credit Reporting Act says good 10 years it should drop off but Equifax has not and I submitted a dispute and nothing. 

Can you help get it removed from credit report?
Product: Credit card or prepaid card

I am complaining about Macy 's billing practices. The total balance is shown, but in the following month, Macy 's charges interest on the previous balance. No other store credit card separates the interest from the total balance. Last year, Macy 's sent me to collection over a {$2.00} interest fee! I had paid the total balance due, but, did not expect further interest charges. I thought interest was included in your balance due statement. 

I pay off my balance on my statement right away, because I am afraid that Macy 's will reflect a balance owed. Again, they are billing me separately for the interest. 
I have been a Macy 's customer for 40 years, and am a senior recovering from a recent XXXX. I find it so difficult to keep up with Macy 's billing practices. Is this legal? It is very hard on consumers. 

XXXX XXXX
Product: Credit card or prepaid card

I rented a car thru XXXX rental on XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX a hold was placed on my card of {$380.00} dollars and was not released after the rental contract. XXXX executive office has removed the hold Chime banking has not. XX/XX/XXXX there was anoth {$200.00} dollar hold that also, has not been released from Chime banking. XXXX has given chime receipts and proof as well as myself.
Product: Mortgage

I have provided my mortgage company ( Flagstar Bank ) with my Property Tax bill for my residence, on multiple occasions, requesting them to schedule the second semi-annual payment which is due by XX/XX/XXXX. They have not responded. 

The current online Flagstar Bank mortgage escrow status shows the next escrow tax payment is not scheduled until XX/XX/XXXX, which is 9 months after the due date. The current escrow account balance is well above the required minimum balance threshold ( 2-months of tax & insurance escrow payments ), and has more than enough current funds to pay both property tax & upcoming annual home insurance bills. 

XX/XX/XXXX ( faxed copy of Property Tax Bill requesting payment in full of annual tax bill ) * XX/XX/XXXX Flagstar Bank disbursed Escrow funds for 1st semi-annual installment listed on the tax bill. Despite the escrow account holding enough balance plus required reserves to pay the annual installment in full, they ignored my request. 

XX/XX/XXXX ( called Flagstar Bank, then sent e-mail with PDF attachment of Tax Bill to Flagstar Bank property tax department, requesting them to schedule a XXXX payment for the remaining 2nd semi-annual installment of propert tax due ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) XX/XX/XXXX ( follow-up e-mail requesting to schedule payment of remaining tax balance ) * Flagstar bank still lists next tax installment is scheduled to be paid in XXXX, XXXX. 

XX/XX/XXXX ( AGAIN faxed PDF attachment of Tax Bill, also re-sent PDF as e-mail attachment requesting payment of remaining tax balance, due THIS MONTH. 

No response received from Flagstar Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts on my credit file from XXXX XXXX - acct # XXXX they are all listed with the same account number these accounts have been on my credit file for longer than 7 years. XXXX deleted the accounts as of XX/XX/2018 but they still remain on file under XXXX and Equifax. 

these accounts should be excluded/removed from my credit file based on the 7 year law
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of th
ese entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Experian on XX/XX/2022 pertaining to a issue about inaccurate balances reporting on my consumer report. They responded on XX/XX/2022. They stated that they started a reinvestigation and started to contact the furnishers. I want to stress that they have to conduct their own investigation and not just wait on the furnishers to reply. They also claimed that the other balance I disputed is not on my consumer report. The two balances I disputed were with XXXX Bank and XXXX Bank. The balance with XXXX Bank is in fact on my consumer report.
Product: Checking or savings account

I am move out of new York almost XXXX. And I do have chase bank XXXX at new York. also on XX/XX/XXXX I ask my dad help me deposit 2000 dollars to my Checking account. Then XX/XX/XXXX I want to transfer 2000 dollars to my XXXX XXXX bank of ND. I found out someone withdraw {$900.00} twice times without my ID and Bank PIN in the New York Chase bank branch
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccuracies listed on my credit report for well over 6 months. XXXX XXXX XXXX in particular continues to report inaccurately and the bureaus are not investigating the accounts or sending me any sort of updates. Each bureau reports a different DLA and the acccounts are illegally beign re-aged.
Product: Debt collection

Hunter Warfield in XXXX XXXX has bought a rental contract from my old landlord. They harassing calls and reporting to all the credit bureaus monthly adding XXXX a day. I called them first to see who they were. I gave them my information and they told me that they will destroy my credit. I was let out of the lease because of a cr accident and unable to get a handicap accessible unit. And on XXXX I could no longer afford to live there. I left my security deposit because I was unable to do the mandatory cleaning that every apartment should do. The also said I filled the dumpster. All my furniture was taken with me. Damage to rugs. They were over five years old when I moved in. They are up to XXXX. In damage. And I had a walk through when I handed my keys in. Hunter Warfield has sent me letters to settle for half since it was a joint account. One man on the phone told me to hold a sign for money on the corner or make a relative pay it. Because of this I am unable to get a apartment I have to rent a room. They are destroying my life. They call twice a week. I should of had a day in court by the original creditor XXXX XXXX XXXX XXXX XXXX . Please help me, I do n't know where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All  XXXX  bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office represents  XXXX   XXXX   XXXX  concerning the above preferred account originated from  XXXX    XXXX    XXXX   XXXX  According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at  XXXX  on  XXXX   XXXX ,  2017 th is account is being said or close by our office thank you for resolving this matter yours truly P.  XXXX   XXXX  ... This is NOT what I asked for.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Transunion Remove/update the following inaccuracies found on my credit report : XXXX update for inaccurate information in the Late Payments-Claims inaccurate information. 

XXXX stop reporting this account due to true identity fraud-Claims true identity fraud/account fraudulently opened. 

XXXX remove authorized user because I am not liable for account-Not liable for account ( i.e. account belongs to business ). 

Send me a new credit report reflecting these changes. 


Thank you for your cooperation with these matters. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved. Copyright Notice 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC is guilty of multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX XXXX and XXXX ( XXXX ) XXXX XXXX XXXX accounts. 

In detail, TransUnion has : Included my entire transaction history with XXXX XXXX XXXX  and XXXX ( XXXX ) XXXX XXXX XXXX on my credit report dated, such as account numbers, payment dates, loan amounts, balances, etc. This violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) which prohibits including transaction details that are solely between me as the consumer and XXXX XXXX XXXX  and XXXX ( XXXX ) XXXX XXXX XXXX as the furnishers. 
Furnished my consumer report to parties I have not authorized. The FCRA under 15 U.S.C. 1681b ( 2 ) states TransUnion can only provide my report with my written instructions. I did not provide such instructions.

Failed to keep my personal financial information secure and private per 5 U.S.C. 552a. The presence of my transaction history shows lax protocols regarding consumer data protection.

Acted willfully and is therefore liable under 15 U.S.C. 1681n ( a ). The magnitude of transaction data included demonstrates knowing disregard for 1681a ( 2 ) ( A ) ( i ) 's exclusion.

Acted negligently and is therefore liable under 15 U.S.C. 1681o. If TransUnion claims it did not knowingly violate the FCRA, then it negligently failed to understand its obligations under 1681a, 1681b, and 552a.

In summary, TransUnion has clearly violated its duties under multiple federal laws and will be held accountable through civil liability. I ask that the CFPB investigate TransUnion and take appropriate enforcement action to stop these violations. I will also file a complaint with the FTC to notify Transunion of their illegal activities and violations of Federal law. I also request compensation for damages caused by TransUnion illegally accessing and furnishing my private data without consent.
Product: Checking or savings account

I received a notice via email that my account had been closed. No reason other than " I violated the terms of the deposit agreement ''. Really? What terms? If you call from the phone connected to your account, the automated system directs you to send an email, and hangs up on you. I used a different phone and also could not connect with a representative. I finally had to use my husband 's phone, which is connected to his Chime account, to get to a live person. After 2 hours on the phone with 2 different individuals, I was told that they have no control over my account closure and that " I would be mailed a check for any remaining funds in my account within 30 days of the closure ''. That is not acceptable. I had funds in both my checking and savings, including my payroll direct deposit that had just posted the night before. After some internet searching, this appears to be something Chime is doing to a lot of their good customers, and keeping the funds from the closed accounts. I have contacted a Consumer Protection Attorney, who is investigating and is quite certain this is conversion. I want this bank shut down. They do not have physical branches you can enter to retrieve your funds, they limit your access to how much of your funds you can withdraw each day, and it is a major effort to even reach someone on the phone. They are committing fraud.
Product: Credit reporting or other personal consumer reports

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX XXXX XXXX they are causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX TransUnion continue to violated my federally protected consumer rights. 

After filing my dispute with TransUnion verifying this account was accurate and complete, I found several inconsistency reporting on this account : XXXX Department XXXX XXXX # XXXX. It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item for reporting inaccurate last active date because XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX. All three can't be accurate. Consumer reporting agencies must be consistent and not merely parrot the furnisher information.

15 USC 1681i ( 4 ) and 15 USC 1681i ( 5 ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my consumer report that I did not consent to. These inquiries being furnished on my report by TRANSUNION do not have my written authorization or permissible purpose pursuant to the F.C.R.A and are in violation of 15 USC 1681. Please see attachment for further details.
Product: Student loan

Good afternoon, I would like to let you know about my experiences with Navient. They have coerced me into using forbearance instead of paying the {$5.00} per month as I had attempted to do for the last few years. It was never offered as an option to me. Please contact me if I can help you in the lawsuit you filed. I also am considering a lawyer of my own. If you can kindly recommend one for the city of XXXX, please contact me immediately. 

Best, XXXX
Product: Checking or savings account

I attempted to send a XXXX payment to my sister for {$290.00} though my online banking account with Chase, something I have done numerous times before, though not to this particular recipient. The next day I checked my email and had a message from Chase saying there was an important message regarding my transfer, which had been cancelled, and that I should login to my online account to read the details in my Message Center. Upon trying to log in, I received a screen telling me my online access had been blocked, due to " suspicious activity '' on my account. I called the number and after speaking with the customer service agent I was told the only way to unblock my online access was to go to a Chase branch in person and present my ID. The problem being I am XXXX overseas, serving in the XXXX XXXX XXXX and unable to appear in person. I was not offered any other means of authentication. I requested escalation several times and eventually spoke with the Executive office and filed a complaint. This resulted in a case being opened and assigned to an " investigator '' who was supposed to help identify other means for me to verify my account. I offered to send notarized IS 's plus a notarized letter from the Ambassador and was told no, that would not be accepted. I offered to go to XXXX, the only U bank here in XXXX for verification and was again told no. I was literally given no options for verification other than the in-person at a branch option. I called back the next day, and continued to be told the only way to unlock my access would be to come into a branch in person. I can only access my bank account online here in XXXX, so without access I am unable to pay my bills, transfer money to my children, verify my deposits and transactions, etc. It was absurd that the bank would not prove another means of verifying myself, other than to come into a branch physically myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX mortgage account is being shown late XX/XX/XXXX and XX/XX/XXXX. This information is innacurate and untrue. I have asked for several investigations to be conducted all of which were ignored. I have the right to privacy and this information is being shared without my permission. At some point I will have to take legal action if it is not removed immediately. 

XXXX XXXX Remove these late payments immediately. This information is hurting my future and I will sue for every infraction.
Product: Credit card

XXXX ) XXXX XXXX XXXX : Comenity Capital Bank. 
XXXX ) XXXX XXXX : XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone : XXXX XXXX ) Credit Card Name : Bread Cashback by XXXX XXXX XXXX Account Opened : XXXX 5 ) According Financial Institution, on XXXX was issued and suspended due to : " ... potential security concerns and/or irregular transactions. '' My credit card account was suspended.

6 ) The report of the investigation never was received.

7 ) By XXXX first statement was received for purchases of {$350.00} with due date : XXXX

8 ) On XXXX  my payment of {$350.00} was set by XXXX XXXX XXXX XXXX XXXX XXXX and delivered on XXXX according confirmation # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting, Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate.

This ground for removal also violated my rights under. 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. Also, the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX