23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened my account in XXXX and my money started coming up missing in XX/XX/XXXX, the amount of money being deposited into my account does not add up to the money that is missing. I contacted my bank and they said everything looks fine however when I look at the bank statements you can see that my account is not fine. I have all documentation.
Product: Debt collection

TransUnion and XXXX continue to report a child support account. XXXX has already deleted it. This account is inaccurate and incomplete. This account is in violation of 1681a ( 4 ) consumer rights to privacy for child support to be on my profile.
Product: Credit card

I did not receive a statement via email from Macy 's credit card. As a result I missed a payment of XXXX {$35.00} ( the total balance on the account ). I was charged for XXXX late payments in subsequent billing cycles still without any notice that I had missed a payment or a monthly statement. I finally received a call after the XXXX missed cycle. The missed payment was also reported to the credit bureaus. 

I requested that they update the late payment report to the credit bureaus as I did not receive a statement or a late notice until after the second cycle. They refused to update the credit report. I also requested proof that they had sent me a statement or a notice of late payment via email. They stated they could not provide that proof. 

I never received notice of my statement or a late payment from Macy 's. 

Prior to this, I had a credit balance with them and have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


XXXXact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit card or prepaid card

On XX/XX/23, payment is due for Capital One account before being considered late. Their invoice and online website states that payment needs to be submitted by XXXX EST for online or website payments, however, it doesn't not state this restriction for paying in person at their banking locations. Therefore, I went to a local Capital One XXXX branch and made payment. After making payment at branch location, called customer support to verify record of payment, which was confirmed. In addition, representative mentioned it was received and no late payment nor interest should be charged. However, if it happens to be considered late with fee, please reach out to customer support and it will be completely waived. 

Forward to XX/XX/23, reached out to customer support as fees have shown on next statement. Representative and senior representative would only partially cover the fees as they consider it late even though payment made on due date nor any restriction time for payments made at branch.
Product: Debt collection

Received a wage garnishment order for a medical bill that i did n't know about from XX/XX/XXXX. They obtained a judgement back in XX/XX/XXXX that i did n't know about either. I was never properly served ( they have an incorrect address ) I called when i received the one and only letter i got from them.explaining i was never informed and that i have a court order for my ex-husband that should have paid the bill.but they would n't listen.Spoke to me in a condescending way.They have been running my credit report every three months without my knowledge or consent to find me. i told them to cease and desist.but they dont
Product: Credit reporting or other personal consumer reports

Despite providing a FTC Identity Theft Report, fraudulent inquiries were not removed from report. 
Unauthorized or Fraudulent Inquiry. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Pnc bank is denying a lime of credit including saying I have no income I direct deposit XXXX a month. In to there bank. 
Asked them review then they said credit score was to lowe that changed the score report. The second time they said to meny accounts. The third time they said I have insufficient credit experience as of XXXX. 
I'm being discriminated against. I have a mortgage as a veteran XXXXXXXX XXXX And XXXX line of credit. Pnc is only allowing XXXX. 
They called me and told me to put some my money in a savings account later I did still no increase. They call my home leveing no message. When I do ask for increase my score drops some XXXX to XXXX points sometimes more They save received direct deposit from XXXX XXXXVA for XXXXXXXX years I've moved my social security to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies ( Experian, XXXX, and XXXX ) have been notified on several occasions since 2018 regarding the falsely reported delinquency listed on my credit report by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX deals in unethical business practices and has, for years, preyed on consumers by finding loopholes to create negative impact factors to sway consumers to them for financing since they are one of few major companies that have high interest products dedicated to poor credit consumers, especially XXXX XXXX  consumers. 
In XXXX, I contacted XXXX XXXX XXXX to ask if I could get an extension on my payment and I was told by their representative that since this was my first request, they would defer the XX/XX/2018 payment to the end of my loan and my payment history would not be affected. I was so appreciative because I had an unblemished payment history on my credit report and a steadily climbing credit score. That was until the next month when I received an alert that there was a delinquency from XXXX XXXX XXXX appended to my credit report for missing a payment accompanied by a XXXX point decline in my credit scores. I immediately contacted XXXX XXXX XXXX and asked them to pull the phone records to confirm the specifics of the conversation. I asked them to accept my payment and reverse the delinquency. They refused and have been fighting to keep that recording and the specifics of that conversation private ever since. Not only is this unethical business practices, but it is also credit discrimination in an attempt to reduce my creditworthiness to potential creditors forcing me to do business with XXXX XXXX XXXX. 
Since that date, they have consistently reported this delinquency that they fraudulently created by misrepresenting the specifics of the arrangement which would have never been entered into had I known my payment history would be affected. Logically, if someone says that the payment will be deferred to the end of your loan, technically the payment is not missed ; it's simply added to the end of the loan term. Therefore, I assert that this misreporting has affected my credit report for far too long and I wish to have this missed payment removed and my payment status updated accordingly.
Product: Credit reporting or other personal consumer reports

I try to access information on my credit score on TransUnion and I can not log into my account or reset my password. The only customer service line does not pick up and directs me to a text-based services that seems very fishy. 

I am trying to access to my credit score with TransUnion and freeze/unfreeze my account and effectively blocked out of doing any of it.
Product: Debt collection

I received a text message on XX/XX/2023 with the following : " Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX XXXX MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/state-disclosures ''. However, I have never opened an account or done business with XXXX. I reached out to XXXX  who were able to confirm that I have never had any accounts or debt with them. I went to the link provided in the text and entered my phone number and the last 4 of my SSN, and the MRS BPO site also showed that I do not have an account with them. Entering this information was required for me to view details of the alleged case because the other options were to provide an MRS account number or a Creditor account number which did not exist. I am worried that I have already provided too much information to this company, which is why I did not reach out to them directly. I replied STOP to the text message to stop receiving messages, and was sent an automatic response saying I was successfully unsubscribed. I am worried about this false claim being sent to credit bureaus and affecting my credit. I am filing this complaint to keep a formal record with a reliable third party that I have never had debt with XXXX and any attempt by MRS BPO , LLC to collect on such debt or to report it to any credit bureaus is fraudulent.
Product: Credit reporting

I have been fighting with Transunion for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.
Product: Credit reporting

Experian continues to report inaccurate and outdated information. I have submitted several disputes and Experian does not verify credit report info being reported. They just dismiss my disputes and continue to report inaccurate information instead of deleting it. I believe I am being discriminated against by Experian. Transunion and Equifax have updated my reports to reflect accurate information and they verify it. Experian does not and I want them investigated for refusing to verify and furnish most recent date verified.
Product: Credit card

Bank of America 's website layout and wording to set up automatic payment to pay your credit card account minimum payment is confusing, cryptic, problematic, and somewhat deceptive! 
I signed up for what I thought was Bank of America automatic recurring payments option in XXXX XXXX that would pay the minimum amount due on my account each month. I set the minimum payment of {$25.00} to be paid on the second day of each month. In addition to this minimum payment that was being made automatically, I would also make additional payments during the month. In XXXX XXXX, my minimum payment due was {$89.00} and not {$25.00} that the automatic recurring payment option was set for. For the first time since I had open my account I had not made any additional payments during the month. This caused my account to show a partial payment of {$25.00}. Since I had also signed up to receive paperless statements on XXXX XXXX, XXXX, I did not discover this mistake until XXXX XXXX after I logged into my account and saw a 30 days past due notice. I immediately made an online payment to bring my account current and then called and spoke to a customer service representative about what had happened and made another payment for the same amount with the customer service representative. The problem with Bank Of America website payment option is that consumers have to select the e-bill option to enable the E-bill feature that allows the monthly minimum payment based on the account balance for that month to be paid in addition to ( not instead of the recurring payment ). Unfortunately, it is not easily apparent or accessible for consumers to do so which makes confusing, cryptic, problematic, and somewhat deceptive! As a result, consumers like me who use credit card company automatic recurring payments have inadvertently sign up for the WRONG automatic recurring payment option on BOA website. This caused my BOA to go delinquent, assessed a late fee, and more importantly has devastated my otherwise good credit. My score dropped by XXXX points and my credit limit dropped by {$15000.00}. My lifelong dream of XXXX day owning my own home now seems like just a dream! 
My complaint is not an isolated and rare event. There are many more consumers who have had similar experiences with BOA website payment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been years and XXXX XXXX and Equifax just hasnt removed this Fraud account for my credit report. It has been ruining my credit for to long and now Im finally going to meet with a lawyer, and I will be reaching out to the FTC as well about this situation.
Product: Credit reporting or other personal consumer reports

TransUnion/ XXXX XXXX XXXX failed to do the following requests : Credit XXXX XXXX XXXX The General - Paid in Full - XX/XX/2024 - Reference # XXXX Confirmation # XXXX - On XX/XX/2024 - The General Representative agreed to remove collection once Paid in Full - XXXX  refused to remove but incorrect data remains on credit report in negative reporting and remains on TransUnion, XXXX & XXXX nor does it states - Paid as Agreed but as a negative reporting - - " Potentially Negative '' XXXX XXXX- Paid in Full - {$570.00} - XX/XX/2024 - Confirmation # XXXX On XX/XX/2024 - Per XXXX  XXXX Representative agreed to remove collection from all credit bureaus once Paid in Full but remains on TransUnion at & XXXX nor does it states - Paid as Agreed but as a negative reporting - " Potentially Negative '' As a XXXX Veteran, the above matter continues to prevent me from establishing a clear credit report in order to purchase my first home and non-secured credit cards. I pray you can assist me in this vital matter.
Product: Debt collection

This is not my debt, this is my father 's. I disputed this last and it was taken off but this year its was declined. Please stop putting this on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian, XXXX, XXXX has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses do not belong on my credit report.
Product: Mortgage

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX, XXXX, and XXXX. Despite sending them the last letter, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted 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. Below is the account that is still reporting on my account : XXXX. XXXX XXXX XXXX XXXX Date Opened XX/XX/2004 Balance XXXX
Product: Debt collection

{$460.00} attempted to be collected by company. This is not a debt that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XXXX, 2023 and again it was closed immediately. It was marked as no further action but I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX Bankruptcy XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - XXXX XXXX bankruptcy XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX bankruptcy XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXXXXXX - XXXX  XXXX bankruptcy These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Mortgage

I was approved for the Homeowners Assistance Fund through the Florida Department of Economic Opportunity in XX/XX/2022, but my mortgage company is not updating my account. The approval was for my reinstatement amount and 4 monthly payments ( XXXX payments total ). There were XXXX checks dispersed in XXXX XXXX for {$42000.00} and the XXXX for {$1600.00}. The XXXX check was dispersed in XXXX for {$1600.00} and same for XXXX. 

I notified Nations Direct Mortgage via the Loss Mitigation department back in XXXX that these funds will be coming and emailed them the grant letters, per their request. I began calling again about mid XXXX to check on the status of my account. It was suggested that I wait 30 days from the time the funds were sent out for an update. That is what I did, so I began calling again starting the second week in XXXX. Today is XX/XX/XXXX and despite calling 1-2 times per week for about a month now, the funds have not been applied to my account. The same action is performed everytime I call- they send an email to their HHF department for an update. 

I have even had the Florida DEO on the line with me on 2 occasions with no progress. The DEO confirmed that 2 payments were processed by the mortgage company, however Im not very clear on where that information was being pulled from. Nations Direct was even unable to confirm an address that payments should go to when the representative from the DOE asked for one. 

I fear that, at this point, there is no process in place at Nations Direct on how to accept these types of payments, despite me notifying them back in XXXX about it and emailing the grant letters that contain all the information they need. This mortgage company has already once erroneously sent my account to a Foreclosure attorney, but fortunately I was able to catch it early and get that stopped and reversed. However, they still charged me for the attorney fees. 

Im afraid of losing my home. Please help me.
Product: Credit reporting or other personal consumer reports

I am submitting a follow up complaint through CFPB to the Experian credit bureau that has yet to remove this one remaining inquiry from my credit file, and the XXXX needed to remove these SIX remaining inquiries as the bureau only removed one. I am kindly asking the CFPB to please make sure that the Experian and XXXX Credit Bureaus to remove these remaining fraudulent inquiries from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Responded to an email offer from American Express offering XXXX Membership Rewards for each person I added to my account if they spend {$250.00} in first 3 months. 
I added my son and daughter and they each spent in excess of {$250.00} within the first 3 months of being added to the account. Contacted Amex and they claim that there was a link that should have been accessed at the time they were added. They did not dispute that the terms were met. I find this to be a deceptive practice. I contacted AMEX XXXX and they failed to resolve the issue. Communicated with representative for about one hour from XXXX hrs thru XXXX hrs. Stated they would open an investigation which will take 6-8 weeks to complete. 

This was the email offer I received on XX/XX/XXXX : Add your significant other, an employee or your child ( 13+ ) to your account, and give them access to all the little pleasures and unforgettable experiences that come with carrying an American Express Card XXXX Then, whenever they make an eligible purchase, from a trip to their favorite taco truck to a new set of trainers, youll earn the rewards. 
Earn XXXX Membership Rewards Points Add new Additional Card Members to your account through this email and earn XXXX Membership Rewards points after they spend {$250.00} in eligible purchases on their Card in their first 3 months of Card Membership ( limit XXXX Membership Rewards points. Offer ends XX/XX/XXXX. 

My son has spent {$360.00} and my daughter {$250.00} to date.