23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I applied for a loan in the amount of {$1200.00}. I did not realize the interest amount would be so high. I'm paying 773.26 % interest. The amount is {$340.00} every pay period and can't manage it.
Product: Credit reporting or other personal consumer reports

I have submitted several letters to Experian about updating my personal information. I provided them with proper documentation for this update, however they are still reporting old addresses that do not belong to me.
Product: Student loan

The company called and left my husband a message stating they were calling to collect a debt. When he returned the call they tried to get him to take care of the debt ( my personal student loan debt, he is by names or responsible for these loans ) and then continued to tell him how many loans they serviced and what the total amount owed was and how many days I was late. I never gave them permission to share that information with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, XXXX  and Equifax I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.
Product: Mortgage

There have been a multitude of issues. The most simple one is BSI Financial Services does not receive emails from me that include attachments. The customer service team members ( XXXX and XXXX ) were unbelievably rude saying it was my fault because they receive emails from other people with attachments when I asked them to check with their IT team on why mine are not going through ( and to their point, my emails with attachments are delivered to other inboxes ). The 2nd issue has to do with a tax bill that they did not pay from escrow. I had alerted them that the tax bill was coming up, and emailed over the statements a month before it was due. I was told they would handle it. The due date came and went and I have had to contact them multiple times a week for a month, each time being told it would be handled until almost 60 days after the initial request when I learn that because this is a " supplemental '' tax bill ( I had appealed the initial taxes so it is not in fact " XXXX '' ) that I was responsible to pay it. They had told me it would be taken care of and now there are penalties because it is past due. The 3rd issue is that I have requested to be removed from escrow multiple times so I don't have to deal with these tax issue nightmares and they are refusing the request for no apparent reason.
Product: Debt collection

I received a letter from Credit Collection Services stating I owe a bill from XXXX. I spoke with a guy by the name of XXXX on XX/XX/year> @ XXXXXXXX XXXX I am recorded the phone call as well. I disputed the balance and he refused the dispute balance with XXXX. Per the letter I received from Credit Collection Services dated XX/XX/year>XXXX  states I have until XX/XX/year>XXXX  to dispute debt via phone or online. I tried to dispute and they refused to dispute the debt for me. XXXX and Credit Collection Services violated my rights as a consumer and I will be taking legal actions against this company. If this company report anything on my credit file I will sue and that's a promise. Credit Collection Services and reach out to XXXX and have XXXX call XXXX and they will let them know I had active coverage with XXXX. I am not doing XXXX 's work. I am disputing this debt and I would like for Credit Collection Services to send proof of ownership for this account.
Product: Credit reporting

I monitor my credit report frequently because I 'm trying to buy a house with my fiance. A week or more ago all of my inquiries from Transunion inquiries were removed then readded without a 5 day notice which I know is against the law. I have tried to call Transunion directly but no luck. If this matter get be resolved I would greatly appreciate it.
Product: Money transfer, virtual currency, or money service

Someone has used my email account " XXXX '' to open an account with Coinbase. I have contacted the company twice and I am still receiving emails from the company. I am taking this means there is still an account under this email. When I call the company to lock the account, I am informed that this is an incorrect phone number and am unable to close the account. I have emailed the company twice and only receive an automatic response. Any help would be greatly appeciated.
Product: Money transfer, virtual currency, or money service

XXXX, the crypto currency, has locked the availability of Etherium after I made a purchase. its been almost a week and, like XXXX of others, i am unable to transfer or trade my currency. They have no customer service so I am left without options. 

thank you
Product: Credit card or prepaid card

I have been a loyal customer of Macy 's for a long time. I make my payments on time always. I was very ill with COVID-19 in XXXX and XXXX but have continued having memory issues and health issues. I thought I had made my payment already to Macy 's. I didn't receive a courtesy call but instead had my credit score ruined because of a missed payment during my recovery. I have paid off the card and will likely terminate my business with Macy 's because of this.
Product: Student loan

This letter is to file a compliant about the way you have reported my student loans to the credit bureaus. After putting my loans in deferment because of XXXX XXXX then consolidating them, at which time we never had any late payments. You have decided to report that I was over 120  days late on 16 accounts which were in deferment and the loan details from you show that we were never late and the loans are all paid off. I have put in multiple disputes and now this is keeping me from buying a home. I am asking that the correct information be put on the credit reports that I was never late on ANY payments and loans were paid off according to the consolidation
Product: Checking or savings account

XXXX payment to XXXX XXXX XXXX debit - {$130.00} {$7000.00} Called the bank, advised them my fb account was hacked, payment was made, IT WAS NOT authorized. 

First call that i have made and spoke with customer service was dropped by representative as i was advised that she works from hone and has bad connection. Case was created and closed against me. No resolution. 

Same day made another phone conversation new case was created, supposedly researched and this is the response i received below. 
Dear XXXX XXXX : We completed our research for the transaction ( s ) you reported on XX/XX/2022. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 


IT WAS NOT! This is fraud! I work hard for y money and I want it back! 

I have also been transferred to fraud department to speak about way of how i can protect my account, after 10 minute waiting on the line the call was dropped again. 

I want my money back, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX accounts with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX Ive been getting phone calls and credit reports of pre approved credit cards that i HAVENT applied for
Product: Credit reporting or other personal consumer reports

The central trust bank has failed to provide me with information regards to this account with the account # XXXX that was opened XXXX XXXX with an missed payment dated XXXX XXXX.
Product: Debt collection

I try to file this complaint through XXXX XXXX XXXX whom was services by XXXX XXXX XXXX with XXXX XXXX XXXX. I made payment to XXXX XXXX for over 3 tears when I was employed by the USPS but I left my job on XXXX and couldn't afford the payment anymore I contacted them and ask them for forgiveness of this debt back around 2014 which was removed from my credit report. But now serveral years later XXXX   XXXX XXXX trying to come back on me with a new company name LVNV FUNDING LLC through XXXX XXXX XXXX with a balance over 18000.00 dollars. I will fax the documents over with a bunch of payment I send XXXX XXXX THROUGH THE YEARS. I WILL FAX THEM TO XXXX. Please look out for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNITED REVENUE CORP, account # XXXX is reporting on my XXXX credit file with a debt of {$250.00} that is past due/charged off. I have never applied for credit with XXXX XXXX XXXX nor do I have an unpaid debt. I have requested the company provide me with a signed contract identifying that I am obligated or agreed for a debt but XXXX XXXX XXXX could not produce. I have medical insurance and have no unpaid medical debt. This is Fraud and a violation of the FCRA. Based on what I have researched is that this is a someones Medical debt that has been assigned to me. If not removed, I will proceed to getting legal representation. 
In addition, if this was not fraud, the creditor/third party is violating the Fair Credit Reporting Act by reporting inaccurately. Page 4-40 of the XX/XX/2018 Credit Reporting Resource Guide state that companies who report medical debts must report the actual name of the original creditor in the " Original Creditor Name '' field. I have not been able to identify the original creditor to dispute with them. In addition to a violation of the FCRA this is a Unfair, Deceptive, Act and Practice.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XXXX XXXX be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I am a victim of XXXX XXXX  of XXXX XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

Today I received a first time notification that my citibank credit card was closed. I've had this account for 33 yrs 7 months and I am not in default with them or any other creditor. I called Citi and they indicated the account was closed for inactivity. I received zero previous notifications from them indicating my account was under review for potential closure. This my oldest credit account and the basis of my credit length. Without this card my credit history shortens by 13 years. I called to complain and the representative indicated they sent me a letter via USPS on XX/XX/XXXX but then closed my account XX/XX/XXXX and then sent me an email on XX/XX/XXXX stating the account is closed. Zero opportunity for me to take any advance action to prevent losing my oldest credit card. The lady and her supervisor both indicated they " could try '' to reinstate my account but to do so would require a hard pull of my credit file. I asked why since I was a customer in good standing on XX/XX/XXXX a hard credit pull was required. They said it's the process. I complained that a hard pull stays on my credit record for 2 years which would cause a lowering of my credit score. I also indicated that since they closed my oldest account without my knowledge that would hit my credit score lowering it even further. I currently have an XXXX score and have been proud to have a score over XXXX for years. Thats about to change dramatically. Both representatives indicated that there was nothing they could do. I asked for the supervisors supervisor to call and she said it would be up to two days for the return call. So the damage is done. Citi will report the card closed. I could take a chance they " might '' reopen the account with a hard credit pull and both actions will lower my score for months if not years to come. I believe citi acted in bad faith by not advising me about their review until after the fact and feel some action needs to be taken against citi to fix my issue and prevent this from happening to anyone else.
Product: Credit card or prepaid card

The merchant ( XXXX ) billed me {$170.00} on XX/XX/2021 and another {$170.00} on XX/XX/2021, but agreed to refund me a total of $ XXXX {$350.00}. However, Paypal credit card ( XXXX ) from Synchrony bank only credited back {$170.00} instead of {$350.00} as of today. I have started dispute more than 3 times over the last 6 months without any success. Their dispute process is not only inefficient but also extremely slow. Please demand Paypal to refund me the remaining {$170.00}. Thank you very much! 

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

Fraudulent reporting on behalf XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX account was never late on XX/XX/XXXX and XX/XX/XXXX You are also reporting the wrong account number XXXX VERIFY AND REMOVE INACCURANTE INFORMATION XXXX XXXX XXXX - Wrong ACCOUNT NUMBER XXXX XXXX XXXX XX/XX/XXXX Account was never late nor/Charged -off. 
XXXX XX/XX/XXXX account was never late VERIFY AND REMOVE XXXX XXXX XXXX XXXX XXXX  Wrong Account Number : XXXX XXXX - XXXX through XXXX account was never late nor charged -off XXXX - XXXX, XXXX, XXXX, XXXX, and XXXX - account was never late nor charged -off. 
VERIFY AND REMOVE INACCURANTE INFORMATION XXXX XXXX FS -Wrong account Number : XXXX XX/XX/XXXX and XX/XX/XXXX Account was never late VERIFY AND REMOVE INACCURANTE INFORMATION
Product: Mortgage

Have contacted Ditech for escrow refund ( home has been sold ) three times. No email replies to online request. This company never replies to any customer requests. I have to go out of my way to contact them for anything needed. The company lacks any type of customer concern.
Product: Checking or savings account

My debit card and pin information were compromised on XX/XX/2023. A police report was filed ( XXXX ) on XX/XX/2023. The tracking number is XXXX. All my money from my bank account was stolen through ATM transactions, E-Checks, and an in-person purchase at a jewelry store. There were three ( 3 ) ATM charges for {$210.00}, {$190.00}, and {$100.00}. There were three ( 3 ) check withdrawals for {$1500.00}, {$1000.00}, and {$3000.00}. There was one ( 1 ) {$660.00} charge for an in-person purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. All these transactions were made on XX/XX/2023. I called Chase immediately and reported fraud on XX/XX/2023. They opened two ( 2 ) claims on my behalf for the debit card transactions and the E-Checks. I received temporary credit for the debit card transactions on XX/XX/2023. My claim was approved regarding the check withdrawals. I received a statement from Chase on XX/XX/2023, notifying me that they found the transaction was processed according to the information you provided or was authorized. The Chase Claims Department representative told me that the claim was denied because there were no pin errors during the transaction. Im confused as to why the investigation didnt entail camera footage of the ATMs when the transactions were processed or camera footage from the direct location provided on the statement showing the date of purchase from the jewelry store. I also dont understand how a second form of identification wasnt asked for when three ( 3 ) checks totaling {$5500.00} were withdrawn from my account. The Chase Claims Representative told me there is nothing they could do. I feel like my money is not safe banking with Chase.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of specific accounts and inquiries from my credit report due to a data breach that has compromised my personal information. I am a victim of identity theft, and as such, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to remove all fraudulent data from my credit file. 
Please block and delete the following accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX PXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to address inaccuracies and outdated personal information reported by Experian, XXXX, and XXXX on my credit reports. Despite my efforts to update this information according to XXXX XXXX reporting standards, my credit reports still reflect incorrect details. 

The specific inaccuracies include : 1. **Incorrect Address Information** : Previous addresses are reported as current, contrary to the XXXX XXXX standards that require accurate and up-to-date information. 

2. **Outdated Phone Number** : My credit reports list an outdated phone number. Despite providing my current number in the attached XXXX XXXX reporting standard letter, the changes are not reflected. 

3. **Other Personal Information** : There may be additional discrepancies, such as misspellings or incorrect dates of birth, that need correction for my credit reports to be accurate and complete. 

These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete information. The persistence of these inaccuracies is frustrating and detrimental to my credit profile. 

I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the credit bureaus promptly update my personal information as per the attached XXXX XXXX reporting standard letter. Accurate personal information is crucial for maintaining a fair and accurate credit profile. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I use XXXX and was promised for funds to transfer in minutes into my daughter account but funds are being withheld. I did verification of my identity to verify funds was being sent with my consent. The banks are taking individual funds and not releasing the the funds appropriately after promised payment to be transferred. This should be illegal because using XXXX individuals relies on the information of the date provided before sending the transaction to the other party
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated in relation to an account on my credit report. 
SELF FINANCIAL/LEAD BA XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted or updated to paid satisfactorily.

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Product: Debt collection

NACA rep XXXXXXXX XXXX called me twice at XXXX XXXX within the last 10 days The first time she promised not to do it again. 
I spoke with her supervisor  and recorded the call with her permission Supervisor  XXXX XXXX said XXXX calling me repeatedly at XXXX is not harrassment This also occurred a year ago when I was past due a d I sent multiple request then for the early calls to stop.

Naca reps confuse to harass me for no reason. I am not past due and no one could find a reason for why XXXX called me today
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only have I been a victim of fraud, I also was a victim of the XXXX breach .And now there's collections dated XX/XX/2017 ( XXXX ), and XX/XX/2017 ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Date : XXXX XXXX 2017 Report # XXXX Experian has by them being Experian that this account is to go positive in XXXX show how is it if the account has not been late so long to go positive as stated by Experian. 
As Experian states : Your account that may be considered negative it seem worded on way by them to use to there advantage against a consumer as they sell consumer information for there benefit as to what is positive. 

So Experian puts your accounts in this : Your accounts that may be considered negative section on there credit report in which they do n't want to justify if payments have not been late in over 18 months/ 24 months. it seems like deceptive practice with a consumer by there wording