23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had an account with JCPenny, the account was not in collection or bad standing. First based on my credit my credit limit was decreased by JCPenny putting me at the top of my credit with that account. After seeing this I paid the account in full. I recently received a letter from JCPENNY stating they closed my account because of my credit score. Again I had paid the account in full and there were no adverse issues with my account with JCPENNY. I am in the process of paying accounts down and off. This is yet another blemish on my report bringing my score down.

Its very disappointing and discouraging when I am trying my best to correct my credit mistakes and creditors can railroad consumers. When I contacted JCPENNY was told they had the right at anytime to review my account and decrease or close it even if I have paid them on time. I stated its not fair and representative said she didnt make the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

After running a full credit report and noticing different variations of my names, addresses, phone numbers, etc. I wrote a letter to TransUnion on XXXX XX/XX/2021 requesting that my personal information be corrected. In the letter I explained my situation and listed all of the information and corrections that I wanted applied to my account. Also, asking that any previous personal information be removed from my TransUnion account that didn't match the information summited. Seeing that this information in the first full credit report that I ran was inaccurate. Included in my letter was two copies of my mailing address and two copies of my personal identification, one being a scanned copy of my social security card. On XXXX XX/XX/2021, I received a letter back from TransUnion with a full credit report with none of the information that I requested applied or removed. There were no changes made to my credit report from TransUnion and that is why I am making this complaints today.
Product: Credit card

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  case # XXXX My minimum due is {$30.00} a month. I paid the overage to cover the interest and was charged another {$8.00} for the same month I paid my bill on time. I spoke with a representative and was told this could happen because my account wasn't paid in full on XXXX.
Product: Credit reporting or other personal consumer reports

will never stop refilling complaint to the EQUIFAX for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/2024, XX/XX/2024 and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports
Product: Credit reporting or other personal consumer reports

My account with 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 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 on those accounts 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 Never Sent the periodic statement along with the disclosures from section XXXX637 ( 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: Mortgage

Last spring ( XX/XX/2021 ) I purchased a home in XXXX XXXX, FL using XXXX XXXX for my mortgage. During the closing process I was informed by the XXXX XXXX loan officer ( XXXX XXXX XXXX ) in writing and via text message that the FEMA assumable flood policy I purchased provided sufficient flood insurance coverage for the property. I specifically discussed with the loan officer insurance ... homeowners, windstorm and flood and told them I was maxed out and could afford the loan/home if insurance costs were higher. During closing there was no document I signed that indicated the flood policy was insufficient nor any other issue highlighted that indicated there was an issue with the flood policy. Approximately 45 days after closing I received a letter from LoanCare LLC which manages mortgages for XXXX XXXX. They demanded supplemental flood coverage per XXXX XXXX guidelines. I explained to LoanCare reps that I had texts and emails from the XXXX XXXX loan officer that indicated my coverage was sufficient. At that time I reached out to the XXXX XXXX loan officer via phone and follow-up email and she responded via email that the FEMA policy should be sufficient. I forwarded a copy of that email to LoanCare LLC -- apparently to no avail as they purchased a umbrella insurance policy for way above the replacement cost value of my property and charge my escrow account over {$5000.00}. I reached out again to LoanCare to complain and explain that I might need to get legal representation as I considered XXXX XXXX to be in breach of contract. I was transferred to a LoanCare supervisor ( XXXX XXXX XXXX ) who reviewed my information and informed me they should not have taken out the umbrella policy for above the replacement cost value ( RCV ) of my home. She indicated she was cancelling it and the money would go back in escrow and she was reaching out to the insurance agency that transferred my FEMA policy to confirm if they had an RCV for the flood insurance as my current policy might be acceptable. No action has taken place and despite multiple ( over 10 ) calls to XXXX XXXX and to the XXXX XXXX loan officer, no one will now respond to my calls or emails. Additionally, there is no way to contact a live agent at LoanCare as the phone system will only connect you to automated or pre-recorded systems.
Product: Checking or savings account

I have overdraft protection with Navy Federal Credit Union, & I would always get charged with overdraft fees even though I know its protected
Product: Money transfer, virtual currency, or money service

On XXXX, I received a Venmo from a family member for my daughters XXXX program. On XX/XX/11, I received a Venmo with {$1300.00} for XXXX XXXX XXXX for XXXX family members. While trying to set up a bank account transfer, my account was suspended with no explanation. I sent in a photo ID as they requested, I requested a phone number for customer service, I requested to know why my account was suspended and received no response. There is now {$1500.00} frozen in my Venmo account that I cant access because my account, that I barely use, was suspended. Venmo should have to provide their consumers with basic information surrounding their accounts with suspensions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED TO RETAIN AN IMMEDIATE RESPONSE AS TO WHY I HAVE NOT RECEIVED A RESPONSE IN REGARDS TO THE CHAPTER XXXX BANKRUPTCY STILL REPORTING ON MY CREDIT REPORT. THIS IS A DISCHARGED ACCOUNT, I HAVE TRIED SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW A REASON WHY NO ONE HAS RESPONDED BACK TO ME AND I WANT TO EXPRESS HOW THIS IS REALLY AFFECTING MY FROM PURSUING CERTAIN GOALS, I WOULD LIKE TO ACHIEVE.
Product: Credit reporting or other personal consumer reports

I noticed a fraudulent collection on my credit report on XX/XX/year> and reached out to the company to have it removed, but was unsuccessful. I contacted XXXX in reference to XXXX XXXX XXXX XXXX to help me with this matter. 
Here is the reference number XXXX, the account is not mine and has a balance of {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked to provide signature for these accounts and inquiry that they say are mine.They have not gave me nothing and its been over thirty days
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX RE : XXXX XXXX XXXX  Account # XXXX To whom it may concern, I am formally disputing the inaccurate reporting of the above-referenced account on my credit reports with TransUnion and XXXX. This account remains inconsistent and unverifiable despite prior attempts to correct these issues. Upon reviewing my credit report, the following discrepancies were identified : Issues Identified : 1. Conflicting Data Across Agencies : Date Opened : TransUnion reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
High Credit : TransUnion lists {$20000.00}, but XXXX lists {$16000.00}. 
Last Reported Date : TransUnion states XX/XX/XXXX, while XXXX states XX/XX/XXXX. 
2. Unverifiable Account Details : The Payment Status is incorrectly reported as Charge-Off despite inconsistencies in dates and balances.

The Date Last Active and Date of Last Payment differ significantly across bureaus, indicating a lack of proper verification.

Violations of Metro 2 Compliance and FCRA : 1. FCRA Section 611 ( a ) ( 1 ) ( A ) : Credit bureaus are required to conduct a reasonable investigation when discrepancies are reported. The conflicting data proves this has not been done.

2. FCRA Section 623 ( a ) ( 1 ) : Data furnished by XXXX XXXX XXXX is neither accurate nor verifiable as required by law.

3. Metro 2 Compliance Violations : Fields such as Date Opened, High Credit, and Payment Status fail to meet Metro 2 standards for accuracy and consistency.

Requested Action : Given the significant errors and the failure to verify this account properly, I demand that it be immediately deleted from my credit reports with TransUnion and XXXX. If this matter is not resolved within the 30-day investigation period, I will escalate it to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for violations of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of this accounts deletion. 

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

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
Product: Bank account or service

Citi performed what I can only describe as a bait-and-switch. I signed up for a CitiGold checking account at the end of XXXX XXXX using a promotion ( code : XXXX ) that offered XXXX AAdvantage Miles within 90 days of completing the following requirements : perform a bill payment in 2 consecutive months and make {$1000.00} in debit card purchases. I finished meeting those requirements on XXXX XXXX, XXXX and verified with a Citi representative over the phone, while taking care of other business, that I met all of the requirements and would be receiving my miles. Not only did I not receive the miles, but now Citi has told me that I was never eligible for the promotion even though the terms ( attached ) specifically say " you provided the special offer code XXXX to be eligible to receive ... XXXX AAdvantage miles '' and a representative later told me I was eligible, completed the terms, and would be receiving the miles. 

To elaborate, I waited until XXXX XXXX, 2 weeks after the latest date I was supposed to receive the miles, to send a secure message about the issue. At which point an investigation was opened and I was promised a response within 3-5 business days. I contacted Citi through their online chat after 5 days had passed without a response and a second request was placed, this time I was promised a response within 2 business days. After another 5 business days with no response, I contacted Citi over chat again and was this time basically told that I 'd hear back from the investigation when I hear back from the investigation. When I expressed my dissatisfaction I was given a phone number and told it was for the promotional department. The next day I called that number only to discover that it was Citi 's normal customer service number. After going through the prompts I was able to talk to a general customer service representative about the issue and was told she would personally contact the person assigned to my investigation and call me the next day. She did in fact call me the next day, making it the first time Citi ever followed through on their word, and that is when I found out the investigation team in the promotional department denied my claim while citing that I was never targeted for the promotion. After pushing even further, I was told I was indeed not eligible and there was no evidence of misinformation so I will never be seeing the miles. I completely disagree on all accounts and feel that Citi is simply trying to avoid honoring their side of the agreed upon terms. 

So, in short, Citi baited me into signing up for a CitiGold account with a promotion and then made up an excuse to deny me the bonus I earned through the promotion. After some research it is clear that Citi has a history of doing this very thing to their customers and it should not be tolerated.
Product: Credit card

I have a Chase Amazon Credit Card which had a {$4500.00} balance at the beginning on XX/XX/XXXX. I paid off my {$4500.00} balance in full on XX/XX/XXXXXXXX  prior to the close of the billing period. I also made new charges of {$540.00}. 

Chase Amazon charged me {$71.00} INTEREST on a {$540.00} balance. The statement says I was charged for a Balance Subject to Interest Rate of {$3100.00}. 

I should have the ability to pay off my previous month 's balance BEFORE the next billing period and not be charge interest on a balance that was paid off and was XXXX! 

I also should not be charged {$71.00} Interest on a {$540.00} newly incurred balance. My previous balance was paid in full and I should not be getting charged interest on new purchases until the start of the new billing period.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Collector, I am writing this letter in to despite discrepancies in my credit report. I dont believe I owe this debt or what you say I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law. 
Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law. 

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights. 

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : XXXX. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor. 
XXXX. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt. 
XXXX. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state. 

Furthermore, I hereby revoke all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above. 

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please provide the requested information within 30 days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful. 

Thank you for your attention to this matter. 

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

I have disputed XXXX XXXX XXXX XXXX that this account is being reported inaccurately on my credit report for well over a year now. There are several inaccuracies in the reporting of this account. The date of last activity is different on each credit bureau by YEARS. Also, this account was charged off years ago but continues to update as though it is a live account which is an FCRA violation. I have asked this creditor to provide validation of the information that's being reported on this account to no avail. I have ALSO asked them to update this account with the proper information so that it's reporting accurately to no avail. The presence of this account on my credit file has kept me from getting funding for my business amongst other things. As a result of their inability to accurately report this account and remain in compliance with the FCRA and FDCPA, I am requesting that this account be removed from my credit report immediately.
Product: Debt collection

After reviewing my recent updates, I discovered that incorrect information still remains in my credit reports, despite having addressed it through written appeals. The most recent correspondence sent to XXXX, XXXX, and XXXX was on XX/XX/year>, yet I have not received any response from them to date. This lack of action on their part constitutes a violation of the Fair Credit Reporting Act, 15 U.S. Code 1681i, which stipulates that the continued reporting of unverified information without providing proof within the legally mandated timeframe is unauthorized. Below is the list of accounts that are still being reported on my Credit Reports. CAINE WEINER XXXX and CAINE WEINER XXXX.
Product: Vehicle loan or lease

I have a loan with Credit Acceptance. I am supposed to pay XXXX every two weeks but since the Pandemic I have been paying it monthly {$270.00}. I lost my job and my home so I do my very best to keep my car. I have my bank statements showing I paid and I am not in the rears and these people call me 5 times a day even after I submitted documentation for them to see. They are harassing me when in fact I am waiting on them to check the information that I submitted. I am submitting my phone records to show how XXXX  this is. 

Thank you
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate information, which is not meeting the standards outlined in the Fair credit reporting Act. The current reporting fails to meet legal requirement and I'm requesting removal of these accounts. Under 15 USC 1681b, which governs permissible purposes for reporting consumer information. The accounts listed below appear to lack a lawful purpose for being included in my consumer report and therefore, must be removed to comply with federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureau failed to verify information and provide me results of investigation.