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

XXXX and TransUnion failed to eliminate a re-aged debt in my credit report. 

The original debt was with XXXX XXXX XXXX and it is dated XX/XX/XXXX. It was sold to XXXX XXXX on XX/XX/XXXX. Given the age of the debt, the obsolescence date for XXXX XXXX XXXX XXXX was XX/XX/XXXX ( 7 years and 180 days ). Despite this, the obsolescence of this debt was was extended by the collector, as it is reflected by both Credit Bureaus, until XX/XX/XXXX. 

It is my understanding, according to the Federal Credit Reporting Act, that the sale or transfer of a charged off account by an original creditor can not change the allowable period a credit bureau can report a delinquent account ; therefore, a debt collector can not change the 7-year and six months reporting period, which in my case is long overdue. 

Given that the date for the Compliance/Obsolescence Date can not be changed by the original creditor or any debt collector which purchases the delinquent account, I requested from both bureaus to eliminate this debt from my credit report, which was denied. I believe that the decision of these 2 Bureaus overlooked the fact that the debt was re-aged, as it had expired in XX/XX/XXXX. 

I respectfully request that you consider the above-mentioned facts, and provide remedy to what I understand is a mistake from the Collector and the aforementioned Credit Bureaus.
Product: Money transfer, virtual currency, or money service

Years ago, Venmo deactivated my account without warning or reason. I recently tried to appeal their actions, and was met with an e-mail today, XX/XX/year> stating that reactivation will not be possible, and further inquiries into the matter would be ignored.
Product: Credit card

I have been a customer of Bank of America for about 15 years. I have a credit card with them with balance transfer offers for many years. Every month, I check my promotional offers. I had a balance transfer offer with Bank of America almost every month. I had about a XXXX balance with a XXXX limit. I checked my offers and i had a balance transfer offer that didn't expire until XX/XX/year>. I went ahead and paid my {$9200.00} off so I can use the balance transfer offer to transfer it from another bank. I just moved money around from different accounts in order to do this. Once my balance his {$0.00}, the balance transfer offer disappeared even though it didn't expire yet. 
Upon speaking with BOA team members, they weren't sure why it disappeared. According to their own team members- The operations manager- his name was XXXX XXXX clarified that there is no rhyme or reason to how these offers are determined. No credit worthiness or ability to repay factors. He said he made the decision to not escalate my request any further. He said my complaint went as far as it could- to him- and that he couldn't help. I asked them to restore my offer, he said they can not do that. 

Mortgages, cars, credit cards, are all based on eligibility But balance transfers- no reasoning what so ever. 

I feel lied to- baited and switched. I moved money around and paid off a XXXX card with no interest EARLY so i can use another balance transfer offer and they took it away from me. I could have paid my other card that was at a higher interest rate rather than my 0 % card. 

I have never displayed any inability to pay my debt my credit didn't tank I have always paid my debts and maintained a relationship with this bank for many years. 

There should be rules to when something is offered, if it didn't expire- that they can not take it away without any reasoning. They told me they wont return my offer and that i would have to wait to see if a new one pops up. 
XXXX XXXX had an attitude with me so i wouldn't be surprised if i never receive an offer. Which would now make me feel like they would be retaliating if i don't receive one. 

If I don't receive a new offer, I would be very concerned. Because how am I offered these offers every month- for years, and now not anymore? It was available the day before my balance hit {$0.00}. And gone the next. 

Why is it that I have had promotional offers available to me time and time again, month after month. But the second I paid it off all offers disappear? 

How am I supposed to make financial decisions for myself and not feel trapped if i am being lied to about my offers? 

I work in banking and I know Bank of America has had to pay fines to the CFPB for withholding rewards and double dipping on fees in the past. I shouldn't be surprised they are using illegal shady tactics once again. I just didn't expect to be affected so badly by poor banking practices. 

Now I cant make the financial plans happen that I was counting on based on an offer they snatched up from me without reason. 

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

I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file XXXX XXXX XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/2020, XXXX  is reporting an opened date of XX/XX/2020, Equifax is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX XXXX and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Our email system at my work was hacked and someone sent me an email from the employer owner account email and pretended to be the owner of the company that I work for. They indicated they were in a meeting and needed me to purchase XXXX XXXX Cards for some of our business partners in the meeting. 

Believing it was the owner, I went to a grocery store ( XXXX XXXX  ) and purchased 11 gift cards at {$200.00} dollars a piece for a total of {$2200.00} on my Citi Mastercard. The exact transactions were made on XXXX. The amounts were as follows : {$200.00}, {$400.00}, {$400.00}, {$400.00}, {$400.00}, {$400.00}, {$400.00}. 

I sent 5 of the gift card codes to the person that was impersonating the owner of my company. Halfway through sending these codes, I decided to stop and check with my boss as it seemed like an unusually high amount. He told me that he believed at that point that we might have been hacked. At that point I didn't send the other 6 codes for the {$1200.00} worth of gift cards. 

At this point, I IMMEDIATELY called Citi and let them know what had happened and asked them to try to cancel the transactions. Unfortunately, instead of simply trying to cancel the transactions -- they didn't try to cancel them because they were more concerned with confirming my identity. 

I had made similar purchases on another credit card ( Visa XXXX XXXX ) and called them after I got off the phone with Citi. They were actually able to cancel 4 of the 5 transactions even though I had called them AFTER I had called Citi. Which leads me to believe Citi could have cancelled some, if not all of the transactions. Also, Visa XXXX XXXX filed a fraud claim report right away. Citi, because they said they couldn't confirm my identity without sending me a letter in the mail -- didn't file my fraud claim report until about 2 weeks later. 

A few hours later, with the help of my employer -- I filed a police report and also an FBI report. The police report number is XXXX. I gave this police report number to Citi and Visa XXXX XXXX. 

Visa XXXX XXXX, said they would not make me responsible for the charge of {$400.00} until they had wrapped up their investigation which they concluded after about 3 weeks. The result was that because of our employer email account being hacked, they weren't hold me liable for the charge. 

On the other hand, Citi Mastercard concluded their investigation in about 6 or 7 days and sent me a letter saying I was liable and that I needed to pay the entire {$2200.00} immediately by the due date for my statement. I had to consult an attorney who told me to call them back and have them reopen the case as it was my legal right. They were reluctant to do so until I told them I would be filing a complaint.
Product: Credit card or prepaid card

A fraudulent charge was made to my Chase Freedom Account. I called immediately the same day to deny the charge and cancel the account.Chase did not cancel the charge and is demanding I pay even though the item was not picked up until the next day.Chase did not inform XXXX XXXX that the charge was fraudulent nor cancel ( deny ) the charge.Chase advertises that you are protected from any false or fraudulent charges but refuses to further investigate this claim. On XXXX I was told by a Supervisor Name XXXX that ; 1. It is my job to investigate the fraudulent charges not Chase 2. That someone using my name and claiming they are me is not fraud 3. The item was picked up a day after I filed the fraud complaint 4.XXXX XXXX was only notified by mail The charge for {$1300.00} was made on XXXX XXXX and my fraud complaint was filed on the same day.As far as I know from information supplied by Supervisor XXXX no action was taken by Chase
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : 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 Section 2 : 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 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.
Product: Mortgage

I tried XXXX times to request an appraisal on my home to cancel my XXXX, but BSI Financial was unresponsive or provided false information. Now that BSI Financial has agreed they need to end the XXXX  on my home, they have not removed the XXXX  from my monthly payments, have not responded to my phone calls or emailed requests for contact, and have not provided me a full letter verifying that XXXX  is removed. 

I reached out to BSI financial in writing on XXXX occasions and received either verifiably false information or was ignored when I requested removal of my XXXX  due to the Loan-to-value amount of my home and 2 years of on-time payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was advised by BSI financial teller XXXX ( # XXXX ) that I needed to " read the XXXX XXXX XXXXules '' because I was not eligible based on those XXXX qualifying conditions. I advised him I was eligible, and I did read the rules, which is why I called. XXXX then advised me to write to the wrong email address. I wrote again on XX/XX/XXXX to advise that I would be filing a consumer complaint and received a call to set up an appraisal. My appraisal occurred, and valued my home at an amount that would remove XXXX. On XX/XX/XXXX I wrote to XXXX requesting a response within 30 days of my appraisal, as required by XXXX XXXX, since they had not responded within 30 days of the appraisal. On or about XX/XX/XXXX I recieved a letter stating that my XXXX  would be canceled, based on the information attached to my cancellation letter. There was no information attached to my cancellation letter. I wrote to BSI Financial on XX/XX/XXXX to tell them I needed the second page of my letter. They did not respond. On XX/XX/XXXX, I went into my online BSI portal and saw that my mortgage was unchaged even though my XXXX should have been removed. I wrote to BSI financial again that same day requesting they call me with their plans to proceed, and to remove XXXX. I have not received a response.
Product: Credit card or prepaid card

I am writing to formally file a complaint against Comenity Capital Bank and the XXXX XXXX  XXXX. They have repeatedly made broken promises and since then have continued to add late charges on top of late charges despite having paid the bill on time and having had multiple representatives promise to waive the late fees. If they had just done what they promised there would not be an issue and this matter would have been resolved. They appear to have a systemic problem at this company of promising consumers one thing and then not following through or documenting the call properly. They also by their own admission have had representatives violate my privacy and their rules by talking with my husband. It seems to be hit and miss on when they apply that standard. Then they turn around and make numerous collections attempts. How many consumers fall into this trap and just give in and pay them. These practices need to be investigated and stopped. I urge you to have them provide you the recordings of the phone calls identified in the documentation attached to prove that they promised to waive the late charges going all the way back to XX/XX/XXXX. 

Attached is the letter and addendum that was also sent to them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeatedly for several years, CHASE BANK has made UNAUTHORIZED, UNSOLICITED HARD INQUIRIES INTO CREDIT BUREAUS, ESPECIALLY XXXX. 
Most recent dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Have tried freezes, but the instant I lift them, CHASE hits me AGAIN!?! As a senior struggling to get by solely on Social Security, these dire negative hits to credit scores is hurting my chances at procuring senior rental housing & necessary automobiles. PLUS : inflated interest rates & painfully larger deposits. I called Chase the summer of XXXX to STOP, but to no avail. My powerlessness over the situation is severely exacerbating XXXX, one of my XXXX. I have NO charge cards, have not had one in the last 20 years and DO NOT WANT ONE.
Product: Debt collection

I recently learned that Texas Guaranteed Student Loan Corp. was reporting that I allegedly owe them a debt. I mailed notice disputing the alleged debt. I sought numerous, very specific documents that would substantiate TG 's claim that I owed them any debt. I am attaching a scanned copy of the request, the credit report, along with all other pertinent documents. 
In reply, I received from TG : " a True and exact copy of the original '' alleged note which shows TG as the Guarantor or lender. TG also provided an alleged account summary claiming the original lender was XXXX for XXXX. TG has been reporting in my credit report that this alleged debt originated with XXXX. 
I disputed the debt with TG and in response TG stated they verified the alleged debt by providing me with the fraudulent documents I described above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters to this consumer reporting agency to correct my personal information, My legal name is XXXX XXXX XXXX. I am not a criminal Therefore, I do not have any aliases. 
And as far as my address is concern, I only have one. And it is as follows, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX. This is false statement presented as fact. And it is causing significant damage to my reputation. i need this information corrected immediately.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft resulting from a data breach. 
As a result, several unauthorized accounts and inquiries have been reported on my credit file. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report immediately : Fraudulent Accounts : XXXX. XXXX  XXXX Bankruptcy 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 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/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts created under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agencies about block the reporting of any information in the file of a consumer that the consumer identifies is information that resulted from alleged identity theft. Also, 15 US code 1681 section 604A Section 2 states a consumer reporting you see can not furnish an account without my written instructions. The listed accounts here never should have received any instructions or consent for me to report anything on my consumer report. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file immediately. UNAUTHORIZED HARD INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Not only have they called my job after numerous times of being told NOT too, they also attempted to share my personal information with another employee ( social security number ) And also have threatened to do a garnishment when NO legal action has been taken!
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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
Product: Credit card

Good afternoon, I made a purchase at XXXX XXXX about a couple years ago for a wedding ring through commenity bank/bread financial. I was on a 18 month promotional plan that ended last year in XXXX. I was on track with my payments for a while and then I lost my job XXXXXXXX XXXX XXXX. By that time I knew nothing about account assure or the hardship department but I was still tryna pay whatever I can and some payments got denied or sent back. I didnt start working again until the end of XXXX but by that time I noticed I was charged a huge interest fee of {$1500.00}. I only had about $ XXXX {$600.00} left to pay off and that set me back by a milestone. I have been contacting commenity bank for the past few months now pleading with them and trying to get that interest charge removed. Ultimately, they kept telling me they cant remove the interest charge as it is a legal fee which I understood but they kept sending me on the runaround telling me to call a certain number just for them to give me the same answer. Basically they couldnt give me a feasible solution after numerous calls and back and forth messages and I am not happy with how they handled the situation. Not too mention, they kept accumulating {$50.00} interest charges to add to the damage and all I asked for was them to remove the huge interest fee. I have dealt with other credit bureaus in the past and they were way more understanding than this. I have attached screenshots with messages from them that has the date on top and also screenshots of the interest charges. I would be extremely grateful if this something you guys can help me out with
Product: Credit reporting

I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BEGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.