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

I havent gave TransUnion, XXXX or XXXX the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean TransUnion XXXX and XXXX are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Product: Debt collection

In summary, my loan was paid off to the previous lender, but the new lender still demands a monthly payment. The new lender threatened to report a negative record to my credit report. I have to make payment to a closed loan to avoid bad credit impact. 

DETAIL BELOW, The loan was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper at sometime in XXXX or XX/XX/2021. The loan transfer effective date in XXXX XXXX XXXX XXXX 's statement is XX/XX/2021. The loan transfer effective date in Mr. Cooper 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The XXXX XXXX XXXX See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with the money source or Mr cooper. I should pay nothing to Mr. Cooper. Mr Cooper refused to admit the fact and asked me to make the payment. I contacted Mr Cooper weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer, which is XX/XX/XXXX. Mr Cooper doesn't actively contact the XXXX XXXX and refuses to further help me on this matter. 

Now, it is near the 60 days past the transfer date based on Mr. Cooper 's record. The Mr. Cooper threatens to report past due and I have to pay the {$6300.00} to avoid negative credit impact. 

I also contacted The XXXX XXXX on XX/XX/XXXX, they promised to solve the case before XX/XX/XXXX, but an agent called me on XX/XX/XXXX and still couldn't tell me why the case is not solved.
Product: Debt collection

I was actively XXXX XXXX XXXX XXXX  XXXX  and XXXX XXXX from Central States Recovery called my school phone to ask about a debt that I have never heard about.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

After 6 months, I finally received a credit to my Macy 's account for the bracelet and gift card that I never received.
Macy 's mailed a gift card to my previous address from  XXXX  and the tenant that was living in the home at the time stole the gift card. I made a purchase from my Macy 's credit card, never received the item, was charged for the item even after it was determined the item was lost and then paid interest on the credit card from XX/XX/XXXX  through XX/XX/XXXX .
I requested a full refund, the interest that was paid on {$880.00} for the past 6 months AND credit protection for 1 year which is {$14.00} per month per   XXXX   because Macy 's accused me of receiving a gift card for {$880.00} and then trying to file a false police report.
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Macy 's caused this issue and needs to take responsibility for it. I paid for an item by credit card and the refund should have been placed on the credit card not a gift card to a 7 year old address.
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I do not like the way this situation was handled and I am requesting further investigation asap AND I am waiting for the interest to be paid plus the credit monitoring. If you want the police report you can speak to detective   XXXX   and listen to him blame Macy 's for the entire situation. Seriously thinking about closing this account and posting my complaint to BBB on   XXXX   and other social media outlets!
Product: Credit card

Very difficult and disappointing to work with CapitalOne. Card has always restrictions and they want me to submit the same docs. I would love to use this card for my everyday purchases but can't. How many times do I need to submit new documents? It's just terrible customer service especially last time calling them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a complaint against Chase Bank regarding the mishandling of a deposit and the subsequent unjustified closure of my account. 

In XX/XX/2024, my friend, while in Michigan, asked a refund of {$20000.00} from the Department of Unclaimed Properties of South Dakota, which was previously held in a XXXX account. Since she was soon leaving the U.S. and did not have a U.S. bank account, she authorized me to deposit the check on her behalf into my Chase Bank account. 

On XX/XX/2024, I received the check and called Chase Bank to confirm whether I could deposit it. The telephone representative assured me that I could deposit a check of this amount. On XX/XX/2024, I deposited the check via an ATM. The next day, XX/XX/2024, I received a notification from Chase stating that my name did not match the check, and I was advised to visit a branch to verify. 

At the branch, after verifying the details, the bank staff confirmed that I could deposit the check, noting that the only issue was the missing signatures. We signed the check, and I re-deposited it at the branch after the staff confirmed there were no further issues. 

However, on XX/XX/2024, I was notified that my account was frozen due to suspected fraud. When I contacted the bank, I was informed that the freeze was because I deposited a check from someone else and that I needed to provide a verified phone number for my friend. I explained that my friend had left the U.S. and did not have a U.S. verified phone number. The representative stated that without it, there was nothing they could do.After multiple discussions with bank staff and a follow-up at the branch, I was told to wait 10 business days for further action. 
Despite following their advice, my account remained frozen. When I contacted the bank again, I was informed that my account would be closed on XX/XX/2024, if the phone verification could not be completed. I reiterated that my friend did not have a U.S. verified phone number, but the bank offered no alternative solutions. I attempted to have the issuing bank withdraw the check, but they informed me that it was too late. Throughout this process, Chase Bank provided inconsistent information and never informed me about the necessity of a verified phone number until after the check was deposited. Besides, I suppose it is difficult for my friend to get a verified phone number when she come back to the USA, because she will hold XXXXXXXX XXXX, instead of XXXX XXXX. 

Despite following all of Chases procedures, the bank ultimately seized my friends funds and closed my account. 

I request CFPBs assistance in resolving this matter by ensuring that Chase Bank releases the funds to their rightful owner and clarifies their policies to prevent similar issues in the future. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit card

I went into Home Depot located a XXXX XXXX XXXX XXXX, Texas to purchase some home products. At the cash register, the cashier indicating that they had special promotion because of XXXX. She took my personal information ( drivers license & social security number ) but never indicated that she was submitting an credit card application. She told me that when I got home to just throw away my receipt. A few days later, I was surprised when I received a Home Depot credit card ( issued by Citibank N.A . ) in the mail. The cashier should have been clear that she was submitting an credit card application as this could negatively impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theif reach to have item remove
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent out dispute letters to the three credit agencies, Experian, XXXX, and XXXX. I disputed multiple Unverified accounts that were negatively impacting my credit score preventing me from positively using my credit and I feel as though their not taking my dispute seriously. It's been 43 days now which is almost 2-weeks past the 30-days for them to notify me my results regarding this investigation. I called each agency several times to try to resolve the issue and each time was unsuccessful. I strongly feel as though that my rights have been violated from these agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

a Delinquency showed up on my credit repot a few days ago from Stern Recovery services for {$290.00} supposedly opened on XX/XX/2022. Prior to this my credit report had all good standing and I have no idea what or who stern recovery is. i have not missed any payments on any of my bills and have no idea what this being reported is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXpayment history wrong for all 3 credit bureau
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Credit card or prepaid card

I purchased a hot tub from XXXX XXXX on their web site. On XX/XX/2018, I was charged {$2800.00} for the hot tub. On XX/XX/2018, I was charged again for the same amount of {$2800.00}. These charges were billed to my Discover card. I called Discover right away when I learned of this duplicate charge and they opened up a dispute case. They eventually closed the case in XXXX XXXX favor leaving me stuck with a double charge to my discover account. Since then I have reopened this dispute several times with the same outcome. Everyone I have spoke with at Discover customer service agrees that this is obviously a duplicate charge yet this remains unresolved almost a year later. Every bit of documentation proves the case in my favor and yet they still determine the charges to be valid. The documentation provided clearly states that I purchased and received 1 hot tub. My billing statement clearly shows I was billed twice for 1 product. I do not understand why they don't get it. Discover even said that the two charges both have the same unique transaction number that is attached to purchases. This case should have been resolved 10 months ago in my favor on that bit of information alone.
Product: Checking or savings account

I opened an account with Chase Bank. A couple days later the account was suspended because Chase couldnt verify my Inmigration status. ( What does it have to do with opening a bank account ) so I went back to the bank and asked why? It turned out to be that they couldnt verify my address, so they asked me bill on my name to the address I live in ( which I have to them ) then the account was closed. Supposedly to my own request. I went to a different location and brought all of my legal documents ( just in case ) then they opened a new account. That was Friday XX/XX/2019. Then today Tuesday XX/XX/XXXX I try to open my account on my mobile app, and it doesnt work. A message pops up telling me to go to chase.com to log in and fix my log-in credentials. So I did and then it wouldnt let me log in there either. A message popped up telling me that my account was suspended for my security bases on my account activity. At this moment I decided to go to the bank location closest to me. So I give all my information again. The lady whom I was talking with then calls someone on the phone, then the payday on the fomnteles me that the account is restricted and that it will be close, any pending transaction will be renounced and wat Heber balance I had would be mailed via a check on my name. Then I asked the reason why this is happening and the lady on the phone said she couldnt tell me because its confidential information. At this point I asked how is it confidential if is my account the one that is being closed and no one is telling me why. And I need to know. At this point XXXX she said is because of the bank. So I just Hebe the phone bank to the other lady and walked away because she wouldnt help me. Nor tell me a reason why this is happening. Then I called customer service again and all they told me is that they couldnt disclosed that I formation with me, even tho I am the customer, and this information is about me, technically making it mine. Information they should disclose with me but they chose not to. At his point I ask to talk to her boss which she said she count do. And then go on to tell me no one inside of chase could disclosed that information with me. Then I asked who outside of Chase would. And she said that that information is only kept within Chase. Then I asked what department is responsible or that information. To which the lady responded that there is no department for it, its just the bank that decide to do so. That I have the right to stop using chase whenever I wanted just as Chase had the right to not have me as a customer whenever they wanted. But no one would actually tell me why I cant access my account or why I wont be able to have a chase bank in the future.
Product: Credit card or prepaid card

In XXXX, I applied for a Citibank XXXX XXXX XXXX last month, and afterwards received a denial letter stating that I had filed for bankruptcy and a previous account with them was included in that filing. It also stated that my previous or existing account has a history of late payments, and credit privileges on my existing account are currently restricted. The bankruptcy they are speaking of was filed in 2004, and my existing account ( Citi XXXX ) never had a restriction applied. I contacted XXXX, whom they stated was the source ( in whole or in part ) in making this decision. I was informed by XXXX that my ( 17 ) year old bankruptcy no longer existed and I had no other derogatory information in my file. I then contacted Citi and advised them of this information and asked that my application be resubmitted. Afterwards, I received a reply stating that they could not verify some of the information on my application. I called Citi to inquire on what information they required and I was placed on hold for an extended period of time. When they realized that I was going to hang up, someone returned and advised that a letter would be sent to me. It has been over a month, and I have not received that letter explaining what they could not verify.
Product: Payday loan, title loan, personal loan, or advance loan

According to the GLBA your company is defined and regulated as a financial institution under 15 U.S.C. 6804 ( a ) ( 1 ). Your company has shared my non-public personally identifiable financial information with a non affiliated third party without my consent and without providing me the full disclosure informing me of my option to opt-out which is unlawfull. Without being given my prior consent your company has published negative, inaccurate and fraudulent information on my consumer report which is unlawful pursuant to the FCRA, FDCPA and a violation of the Privacy Act of 1974 ; 15 U.S.C. 1681s-2 ; 12 CFR 1016. Please see attachment for further details.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX 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 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.

CAPITAL ONE 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

I was contacted by United Collection Bureau , Inc on XX/XX/2021. Regarding two debts which tgey claimed was assigned to them by XXXX XXXX XXXX One debt was {$680.00} reference number XXXX, the other in the amount of {$810.00} reference number XXXX. They offered me a settlement for both accounts and that they in return would remove both negative accounts from my credit bureaus reports. Though this is a different time for me financially, I decided to sacrifice the little money I had in an effort to improve my credit rating by eliminating bad debt. On XXXX XXXX I spoke to a supervisor Ms.XXXX XXXX that ensured me that once the payment was made both accounts would be removed from my credit bureaus reports. I made a payment for the agreed settlement amounts on XX/XX/2021, the payment cleared my bank account on XX/XX/XXXX, XXXX also received a receipt from United Collection Bureau XXXX Inc confirming that the payment was received and both accounts were settled. As of today XX/XX/2021 both accounts remain on all three credit bureaus. These accounts were settled and paid as agreed by the creditor/collection company. I would like both accounts removed from all three credit bureaus as agreed as this is a violation of the Fair Credit Reporting Act ( FCRA ). Please see all attached correspondence related to the settlement and payment of the above referenced account.