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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited  XXXX  into my account and did a couple of transfers which i am allo wed 6  transfers with money market account and unlimited with checking so i had an external account linked with my checking account and i made a transfer from discover bank to  XXXX   XXXX   XXXX   and discover stopped my transfer in the amount of  XXXX  and asked me why did i transfer it after i deposited the funds in their bank, i told them i 'm allowed to transfer my money anywhere i like so they then said they are closing my account and the transfer was completed but they still managed to stop it then they said the funds were fraud and t hat 3 banks w ere asking for the funds back which is not true bacause the banks they named i do n't even bank with period.The funds came from  one ba nk only and when i asked why are they accusing me because i made a transfer they said i can not have my funds and it was being closed for fraud, my bank tried to recover the funds and wa s denied.My fund s are still at discover and i want them.They also said send in proof of identity and i did still they are keeping my money while it is gaining interest .They kept telling lies saying   XXXX   XXXX  ,  XXXX , and  XXXX  were asking the funds back, they came from  XXXX  and they should have sent it back to them but they wo n't they said for me to tell  XXXX  to do an indem but if the bank was asking for the funds back due to fraud why would n't they give them to the bank, it 's because that is not true and they are trying to keep my money it 's been since  XXXX  the  XXXX  that they have had my funds and i am still able to check it but not able to get the funds because the account is froze and suppose to b e closed.This disc over bank lies and gains money off of customers money.I did not do any fraud and i need my funds.Their customer service make false statements and are very rude.They also get angry when you transfer your money out.
Product: Bank account or service

I purchased furniture at XXXX in XXXX AZ on XXXX/XXXX/XXXX. They had a sale and offered 24-month financing at zero interest. My first payment of {$100.00} was due on XXXX/XXXX/XXXX. I paid this online on XXXX/XXXX/XXXX. I thought I had set the account up for autopay from my XXXX checking account at that time. I found out on XXXX XXXX, XXXX, that through some error of mine autopay was not set up and the payment due on XXXX/XXXX/XXXX was not made. I immediately set the payment up and it was paid on XXXX/XXXX/XXXX. I included the payment due on XXXX/XXXX/XXXX so that {$210.00} was paid on XXXX/XXXX/XXXX. I received a bill for a {$35.00} late fee plus interest of {$2.00}. The payment of {$37.00} was made on XXXX/XXXX/XXXX. The statement I received for my payment due on XXXX/XXXX/XXXX stated that my minimum payment due on XXXX/XXXX/XXXX was {$140.00} plus a {$25.00} amount past due for a total of {$170.00}, an excess of {$70.00} over my required payment of {$100.00}. As of XXXX/XXXX/XXXX I had already paid the regular {$100.00} payment on XXXX/XXXX/XXXX and the late charges for the XXXX payment. Now comes the bill for the XXXX/XXXX/XXXX payment. They are billing me for {$170.00}. I owe {$100.00}. 

I have tried to communicate with Synchrony online. I get a message that the information I provided does not match Synchrony 's records and tells me to call the phone number provided on the statement. XXXX is an answering machine that gives information about what they say is the balance due and gives you no choice to speak to a human being or to leave a call back message.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 
I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time.Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient has yet to reply to multiple notarized letters sent via certified mail. I also have a certified list from XXXX and XXXX of over 100 calls to my home and cell phone numbers, despite the request to cease and desist in writing, and verbally on a recorded line. Each of these calls are XXXX dollar fine. I have asked them to please advise XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX of these FDCPA violations and Contract Default. I would prefer to settle out of court, but they clearly will not cease and desist, or acknowledge contract default.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 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 has been modified or deleted from the file of the consumer.
Product: Debt or credit management

Lexington Law Firm debt repair never received service paid for over XXXX years
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone to pull my credit report
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be BLOCK AND DELETED. 
( XXXX  XXXX {$380.00} XX/XX/XXXX, XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX  {$1200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$310.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX )
Product: Checking or savings account

On XX/XX/XXXX, I logged into my Chase checking account. I discovered over $ XXXX in unauthorized transactions going back to XX/XX/XXXX. They were all listed as XXXX transfers and instant transfers, none of which were mine, ranging in value from {$1.00} up to almost {$500.00} per transaction, usually 2-4 charges at a time of the same amount. I never once had received any alert from Chase as to this unusual activity on my account. The transactions were not through my XXXX account, but evidently a " guest account ''. Chase bank says they will only reimburse for the 1st 60 days since the first transaction was made, claiming I should have been looking at my statements. In writing, they responded : " We will not be crediting certain transactions because you are responsible for any transactions that occur more than 60 days after we send the first statement on which these transactions appear, which was XX/XX/XXXX. '' With a XXXX XXXX XXXX husband who is also in the XXXX XXXX XXXX XXXX and a child struggling with remote learning over XXXX, the last thing I had/have been thinking about over the last year was monitoring my checking account. I fully expected to receive alerts if there was unusual activity. I repeated reached out to Chase to help from XXXX, but to them, I am " just a statistic '', as my Chase Private Banker told me, with condolences. 
Likewise, XXXX has been terrible to work with, from filing inaccurate claims with only 1 transaction included that was an authorized transaction, then denying the claim and closing the case, to providing me with fake case id numbers, to sending me from one department to another, only to be told that they are not responsible for this activity.

I hope that Consumer Finance can publicize Chase 's unethical treatment of their client, and hold them responsible for reimbursing us the {$11000.00} that was hacked from our checking account. Additionally, I hope that you can publicize XXXX 's irresponsible mishandling of my complaint and data leak.
Product: Checking or savings account

I opened a Keybank XXXX and XXXX account on XX/XX/XXXX with funds from a recent house sale at the main XXXX, Ohio location at XXXX XXXX XXXX XXXX, XXXX, Ohio. Key, at the time, was running a 5.00 % APR special for the XXXX. I deposited over {$290000.00} into the account during the time it was open. When we found our next house, I needed the funds to purchase the new house, so on XX/XX/XXXX I visited the branch to close the account. During the account closing process, the teller 's system 'froze ' and they were unable to produce a check in a timely manner. I had to come back to the branch XXXX hours later to get the check. When I came back, I realized the check was for the book value of both the checking and savings account, without any additional interest for the XXXX of the month the account had been open ( from XX/XX/XXXX through XX/XX/XXXX ). I inquired, before leaving the branch with the check, as to the reason they were not including the additional interest, and was told by the banker I worked with that the standard process is to mail a check and I should receive it within XXXX weeks. I waited XXXX weeks, and began to inquire as to the reason I had not received the check. I first called their help hub on XXXX, and was told I would need to wait longer for the check to arrive, but was assured it was coming. I reached back out on XX/XX/XXXX, after the full XXXX weeks again and was told I would need to go to the branch as they would need to generate another check request, but was assured the funds would arrive eventually. I went to the branch, and spoke to their branch manager who said he would need to check with another group in the bank. On XX/XX/XXXX, I visited the branch again, and the branch manager indicated he did not follow up with the group, and would need to reach back out to them. 

Later that day ( XX/XX/XXXX ), he finally got back to me and said the reason I had not received the check, after being assured the funds were going to eventually be sent to me by XXXX different employees, was that I did not allow XXXX business days between the last date of interest paid, and closing the account according to the terms and conditions when I first opened the account. I was on day XXXX, because XXXX XXXX ( which most institutions do not regard as a holiday ) fell on XX/XX/XXXX. I feel I have been treated unfairly, and deceptively as this was not explained to me at the branch on the day I inquired about it, the same day I closed the account. Had I known this, and the branch was able to provide a correct reason, I absolutely would have waited an additional day to close the account. In addition, I was promised by XXXX employees the funds were on their way to me.
Product: Student loan

I applied for XXXX XXXX and was told that as long as I was still in process that my loan repayment would be in forbearance. However I began receiving noticies that I was behind on payment. Now Im being told I need to call every 60 days to extend forbearance which is not what they had originally told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX AFFRIM Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.
Product: Checking or savings account

Beginning a week ago, I found my online account was blocked from accessing statements. I spent 3 hours on the phone, transferred between agents, departments and countries, calls and holds fraud, tech, etc then my account was completely blocked. There is over {$100000.00} in my name at Citi Last Wednesday. I went to the branch at XXXX and XXXX in XXXX. They tried to fix it. I went back the next day, they sent me a new debit card and said that would fix it. 

I have a new card but still dont have access. I cant pay my bills. 

I went back to XXXX and they said we arent the fraud department theres nothing we can do Its been 3 work days of my life over a week I need my money and I need to report this bank for gross negligence. 

Please help me
Product: Money transfer, virtual currency, or money service

Well my cash app all of a sudden shuts down after I had money on it. Then when I finally opened it. All my money was gone and it was no trace of where it went.
Product: Credit reporting

THIS ACCOUNT OF XXXX MORTGAGE IS NOT MINE, I DISPUTED THIS ACCOUNT MANY TIMES AND DO NOT DELETED IT.
Product: Debt collection

I sent a 609 letter asking them to verify the debt with signature pages & they sent bill. That doesn't prove that it's my debit. This response is the first communication I received from them. I only found out about the account because it showed up on a XXXX credit report. 

Also, this company will remove the account after I dispute it & report it again the next day.
Product: Credit card

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Product: Credit reporting or other personal consumer reports

XXXX continues to erroneously report NMAC ( Nissan Motor Acceptance ) account on my credit report. The first date of delinquency was over 7 years ago. Also, I contacted the creditor directly, and their response was that they could not locate the account in their system. See attached.
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 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 those account 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 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: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below
Product: Credit card

I opened a secured credit card account with Capital One several years ago. As of XXXX XXXX, 2016 they held {$2800.00} of my money. On XXXX XXXX, 2016, I closed the account and was assured by Capital One they would return my funds within XXXX billing cycles. Now, on XXXX XXXX, 2016 after XXXX seperate calls to Capital One, they still have not returned my money. They have lied to me every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a repo for one missing one payment it went to XXXX XXXX nothing to do 57 district court in Michigan his lawyer shows up he don't I did we waited a half hour now the XXXX goes to court for all his XXXX gets off my be credit reports now I want XXXX back now
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report are supposed to be accurate an valid my reports are not such across the board the amount for violations of my rights will be drawn up in an invoice with a list of violations as i have given them years to fix these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX asking for a copy of the ORIGINAL Contract with all parties involved signatures and gave them 14 days to do so. If they were not able to provide me with the contract, I requested that they cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly requested deletion of any and all prior reporting that was made to all consumer reporting agencies/credit bureaus along with a copy of the letter sent to the reporting bureaus. XXXX XXXX XXXX refused to do so. Instead, they sold the account to XXXX XXXX XXXX. I will be sending the same letter to XXXX XXXX XXXX. I DO NOT have a contract with XXXX XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$990.00} XXXX XXXX XXXX Balance - XXXX XXXX Balance {$0.00} Bankruptcy : Discharged XXXX Reference Number XXXX
Product: Mortgage

On XXXX XXXX, 2015 I XXXX XXXX XXXX XXXX, XXXX XXXX Veteran filed an Mortgage Application with the Navy Federal Credit Union, to-date I 've not received a call or letter as to the status of my VA Mortgage loan application. My mortgage loan representative 's name is XXXX XXXX, my loan application number is XXXX. I 've called and called and left message for XXXX XXXX at XXXX ext. XXXX to no avail. I 'm a XXXX veteran and an American with XXXX, I 'm filing complaint with HUD at XXXX ext. XXXX and XXXX ext. XXXX for discriminatory Practices and I 'm asking that they investigate this matter. Also I 've contacted the Feds Adult Protective services at XXXX. Lastly I 've demanded that the Navy Federal Credit Union complete an supplement and or re-scoring of my credit score do to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at XXXX compromising, changing and falsifying credit scores with XXXX, XXXX and XXXX. I 've spoken with XXXX XXXX with Navy Federal Credit Union my loan officer, and I 've spoken with their Reporting Agency, XXXX, an XXXX XXXX regarding the Fraudulent false reporting imposed by XXXX, XXXX and XXXX attempts implemented by these REPORTING AGENCIES by sabotaging my credit rating by refusing to make the necessary correction to my credit report after submitting evidence to their reporting agency, XXXX. I 'm taking this fight public due to my XXXX and race with gainful efforts of exposing Discriminatory Practices by Navy Federal CREDIT UNION, and I want give up, thanks! CFPB I look forward to working with your Federal Agency.