23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I had my XXXX and phone wallet case containing my Costco Credit Card by Citi and other things stolen such as my Social Security card by a group of at least four female robbers in their XXXX 's whilst shopping at XXXX  in XXXX, CA. I immediately informed the XXXX employees and right afterwards filed a police report in-person at the XXXX XXXX XXXX XXXX XXXX The police report number is XXXX and the two deputy 's last names are XXXX and XXXX XXXX I showed XXXX XXXX XXXX XXXX {$430.00} charge the robbers had made on my Costco Credit Card by Citi when filing my police report in-person and later submitted a screen shot of it to them. The robbers also attempted a {$580.00} charge at XXXX XXXX in XXXX, CA while I was filing the police report on the same Costco Credit Card by Citi but I had already locked the card before they attempted the charge. The robbers also attempted to use a different credit card of mine that was in the phone wallet case they stole from XXXX  XXXX XXXX to place another {$430.00} XXXX charge but XXXX  XXXX XXXX flagged it as suspicious so the charge did not go through. I also placed a freeze with the three nationwide credit bureaus and placed an initial fraud alert on my XXXX credit report on XX/XX/year>. I disputed the {$430.00} XXXX charge that went through on my Costco Credit Card by Citi twice providing the police report number and the dispute was denied. I went to Citi in-person after the dispute was denied to try to get a refund for the charge but was told Citi wasn't the credit card company so they couldn't help me.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for FCRA Violations and Failure to Address Disputes Properly Details of Complaint : I have been diligently working to improve my credit, but I continue to encounter issues with TransUnion 's handling of my credit report. TransUnion 's actionsor lack thereofseem to directly violate key provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 USC 1681e ( b ) : Failure to ensure the accuracy of the information reported.

15 USC 1681s-2 : Neglect in correcting inaccurate or incomplete information provided by furnishers.

15 USC 1681i ( a ) ( 5 ) ( B ) : Failure to prevent the reinsertion of previously deleted information without notifying me as required.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a clear explanation of the results of an investigation into disputed information.

15 USC 1681c ( c ) : Improper handling of obsolete information. 
Despite multiple disputes Ive filed with TransUnion to address inaccuracies in my credit report, Ive faced repeated issues, including : Sham investigations : TransUnion does not properly investigate disputes. Instead, they rely on inaccurate or improbable responses from furnishers without thoroughly reviewing consumer-submitted evidence. 
Reinsertion of disputed items : Accounts that were previously removed after disputes have been improperly reinserted under new furnishers, contrary to FCRA guidelines. TransUnion has also failed to provide required notices or certifications of accuracy under 15 USC 1681i ( a ) ( 5 ) ( B ).

Lack of transparency : TransUnion has provided vague, confusing, or incomplete dispute resolution notices that fail to clarify the outcomes or actions taken regarding my disputes, violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).

Specific Accounts and Issues : Below are examples of accounts and errors that TransUnion has failed to address appropriately : XXXX XXXX XXXX  ( Account No : XXXX ) This collection account was reported inaccurately and remains on my report despite disputes. 
XXXX XXXX XXXX ( Account No : XXXX ) Disputed for accuracy, but TransUnion has failed to remove or correct this erroneous account. 
XXXX XXXX XXXX ( Account No : XXXX ) Despite submitting evidence that this debt does not belong to me, the account remains listed.

These errors negatively impact my credit score, limiting my access to credit, employment, and housing. My current FICO Score of XXXX does not accurately reflect my financial history due to these unresolved issues. 

Relevance to FCRA Compliance Issues : TransUnions failure to ensure accurate reporting, provide proper dispute resolutions, prevent the reinsertion of incorrect information, and issue clear explanations demonstrates systemic issues in their compliance with the FCRA. Their actions, or lack thereof, directly contradict federal consumer protection laws and further harm consumers financial stability and opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I requested an investigation for my credit report because I seen some items reporting that I had no knowledge of. Then I noticed the inaccuracy of these accounts in which I wanted validation for them. 
XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX These accounts appear to all be closed with derogatory remarks. The information provided by each creditor can not be verified because the account numbers are incomplete.
Product: Debt collection

In XXXX of this year, 2021, when I was applying for a loan, my credit was ran and a derogatory account appeared on my credit report that negatively impacted my credit score. The original creditor, XXXX XXXX, a company in the state of Texas, sent the past due bill for {$83.00} to a collection agency by the name of MRS ASSOCIATES. I have lived in the state of Oregon since the age of six and have never opened an account with XXXX XXXX in Texas. I called MRS ASSOCIATES to dispute the account and I was told to send an email, so I did in XXXX, but never received a response. I feel I am a victim of identity theft and need this fraud removed from my credit report so that I can keep improving my credit score.
Product: Mortgage

In 2013 I had to file for a chapter XXXX XXXX. Suntrust is our mortgage company and from the day of the XXXX on they have continued to make mistake after mistake on our mortgage. XXXX off, we did not miss a single payment nor have we. Suntrust took all of our payments and put them in a " secret account ''. Then we got notice that after we completed the documents to continue the ownership of the house, Suntrust falsely reported on our credit that we had not made our payments. Then, we notified Suntrust of their mistake " took 6 months easy for them to realize their mistake '' they then rebuilt our payment history but never took the Credit reporting mistake off of our credit. Then today, 6 months after the XXXX was completed, notified us that they have foreclosed on our house. Once again, we have made every payment electronically and never have received anything from Suntrust to say anything about any lack of payment. We emailed them again and once again, are looking into it. I can provide all documentation off of our Suntrust account and would like this XXXX to end. Any help from anyone else is graciously appreciated.
Product: Student loan

I am a customer of Navient. Approximately 3 months ago, my student loan payment was lowered approximately {$15.00} without my consent. While lower payments would normally not be something to complain about, I just found a letter from Navient informing me that this would result in " now hav [ ing ] more time to replay the same loan balance resulting in lower monthly installments but the overall cost of your loan will increase. '' I then attempted to go on Navient 's website and adjust the monthly payment myself but it is literally not possible to do that. The only way to change the payment is to call. I then called and the representative tried to give me a different payment that was " automatically calculated. '' I then told her exactly what I wanted my payment to be and she said she would have to speak to someone else because you ca n't just pick the number you want. After some back and forth ( and complaining ) I was able to get the payment I wanted. 

This seems to be a not so subtle way for Navient to increase the interest they collect on loans. Again, I did not ask for my payment to be lowered and I have no negative activity on my account that would change my status with them. I am not sure if this is common practice but it seems, if not illegal, extremely disingenuous. I do understand they sent a letter informing me of the change, but I also think we can agree that most are not likely to read the letter and/or note the implication.
Product: Credit reporting or other personal consumer reports

My account with My account with 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 - 90 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. 


XXXXXXXX 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
Product: Checking or savings account

Chime is not taking responsibility for my funds being stolen iv sent over documents proving tgatbinwas not the one who made the transactions its been since XXXX since this happened chime is altering dates and claim numbers on my account denying me my funds and lieing about the dates of my claim chime ignored my concerns XXXX put me In The hole for XXXX $ iv been fighting them for years now they have erased evidence from f our conversations they told me due to date I was not eligible for credit although I showed them that I in fact did report this on time I need help getting chime to comply and do the right thing immediately plus iv stressed to them that my bills are due and how I lost my car and a home because of this whole situation
Product: Credit card or prepaid card

I have had an account with XXXX XXXX for about 11 years and on XX/XX/18 they sent me a text saying that my account was closed due to a second account holder being deceased. I was not aware of there being a second account holder on my account. I am now trying to get access to my funds and they have given me the run around in regards to receiving the money that was in the account that was closed by them. I have over {$2000.00} in the account and am now put in a financial hardship due to not being able to receive my funds. On XX/XX/18 and XX/XX/18 i went the an XXXX XXXX XXXX store to see I could have my funds transferred per their suggestion, by opening a new account. I was unable to open a new account because I was flagged in their system because of the closed account. On XX/XX/18 I attempted to try to open a new account again per XXXX XXXX 's customer service suggestion and was again not able to open account. On/XX/XX/18 they said that they would send the remaining balance by check through the mail in 7-10 business days and they had also said the same thing on XX/XX/18. I am being told different things every time I call XXXX XXXX and given the run around and shuffled through various departments with no answer. I would like to receive my money as soon as possible, because it is mine. I have a little over {$2300.00} in the account, as I am unsure the exact amount because I no longer have access to the account online. They also promised that they would send any account statements and account transactions to my email on XX/XX/18 since I no longer have access to this information.
Product: Checking or savings account

Chase bank will not allow me access to my funds due to an address change. I purchased a home on XX/XX/2021. I moved in on XX/XX/2021. I am purchasing a car on XX/XX/2021 and I need my daily purchase amount increased to pay the car deposit amount. It is over my allowable daily limit and the charge will be denied if the limit isnt increased. I called chase and made the request for a temporary daily limit increase to the car deposit amount. I was denied an increase and thereby denied access to my funds because I updated my account with my new and current address. If my address was not updated i would be approved for the increase. I asked for a manager. The senior analyst was given the call. Her name was XXXX. She also would not override the system even after I told her I purchased a home which is why my address was updated. I was told I have to go into a branch. I advised XXXX do not even have a car. Additionally, I requested my daily limit to be permanently increased 2 weeks ago and was denied. I have had to call in for a temporary increase too many times which is why I requested the permanent increase and to also avoid issues such as this. If the increase was granted, I wouldnt have this issue today. Every time I need to make a purchase over the daily limit of {$3000.00} I have an issue. I shouldnt be denied access to my own money, most particularly if the reason is because I updated my account with my. Ew address. It makes zero sense. It is horrible customer service and chase has likely lost a customer as a result of this.
Product: Student loan

I have contacted Mohela numerous times regarding processing my XXXX forms. Most recently I contacted Mohela on XX/XX/XXXX via email. Also on XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I understand that they are backed up, however now they want me to start paying XXXX XXXX monthly towards my loans starting on XX/XX/XXXX, which is an amount that I can not afford and should not have to pay if they would process my XXXX forms. Additionally, I received notification that I am not qualified for XXXX due to lack of documentation. However I submitted this documentation on XX/XX/XXXX and it was never reviewed or processed. My loan is being handled horribly and I never get any straight answers from Customer Service because they are clueless. This is frustrating and starting to become a true hardship for me!
Product: Debt collection

XXXX XXXX XXXX {$8.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card or prepaid card

CapitalOne refuses to work with 3rd party aggregators like XXXX or XXXX
Product: Credit card or prepaid card

Purchased 2 sets of LED lights through an advertiser on XXXX XXXX XXXX XXXX XXXX XXXX. Product was paid through XXXX. The advertised product used images and name of " XXXX '' which is the intellectual property of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have some of XXXX products and since their name and images were being used on the sales page, thought this was their product. Upon receipt of the product, it is not theirs. Attached are pictures of communication with XXXX XXXX, their refusal to provide refund etc. Their XXXX  page shows a XXXX address, the product was shipped from Illinois and they want return to XXXX. The product is not as advertised. 

Seller is misrepresenting product as " XXXX '' a registered intellectual property of XXXX XXXX in their advertising and marketing ( see original dispute form and submitted files ). The product shipped from a fulfillment center at XXXX XXXX XXXX, XXXX, IL USA USA and they now want returned to XXXX at purchaser 's expense. Definitely a way to discourage/eliminate return and refund of product. The use of the " XXXX '' trademarked intellectual property in the product listing leads consumer to believe they are purchasing the product of said intellectual property holder. 

After filing dispute with XXXX, they heard from seller with option to return to XXXX for consideration and refund. XXXX is not considering the fraudulent use of someone else 's intellectual property or standing up for me as a consumer with a fraudulent product. 

The product was shipped from an address in the US, I believe you should be able to return to the US address. The cost to return 11 oz to XXXX is {$36.00} USD This is to discourage from returning product and stalling or eliminating refund.
Product: Credit reporting or other personal consumer reports

I am disputing an auto loan account reported by XXXX XXXX XXXX. I believe this account may be inaccurate or the result of identity theft. I mailed multiple dispute letters, but the address used was marked VACANT by USPS.

Ive now sent a final dispute with identity verification to Flagships current address in XXXX XXXX, PA. The account shows a charge-off, multiple late payments, and a balance that doesnt match my records. I never received verification or supporting documents. 

This violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Ive attached my dispute letters, invoice for violations, certified mail history, and ID.
Product: Mortgage

Hi.My name is XXXX and i had filled a complaint against XXXX # XXXX on XX/XX/XXXX # XXXX.The complaint was about them lowering my monthly payments and lower my monthly interest as well. I was paying XXXX a month at XXXX that was all interest payed many years and seem like the was not budging. Then XXXX change the payments a month from XXXX a month to XXXX. When I made a complaint to CFPB they seem to lower the monthly payments to XXXX as of XX/XX/XXXX XXXX has transfer notice to my first mortgage company on XX/XX/XXXX to informed me that i will making payment with SPS Select Portfolio Servicing. This is my new account number my XXXX SPS account # XXXX this is my XXXX mortgage SPS account # XXXX im ok with the XXXX mortgage. i just want them to lower my monthly payments from XXXX/SPS now that i will be making payments to SpS. There address is XXXX, UT XXXX PHONE # XXXX thank you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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. 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, other than records of convictions or 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 in accurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 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. 

The following inquiries are unauthorized, and I ask that you DELETE them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Reason : I don't recognize this inquiry