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

I recently reviewed again my Transunion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Credit reporting agencies after noticing that they were reporting a U.S. Bankruptcy Court item on my credit report and they never answered my question after I asked if they validated the information with the original creditor nor did they remove this unauthorized inaccurate information. I spoke with the U.S Bankruptcy Court and they stated that they do not provide information to credit reporting agencies which is stated on their website as well. Per the FCRA the information is not validate so they must remove the information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account nameXXXX XXXX open XXXX # XXXX {$260.00}, Account name XXXX XXXX on XXXX {$25000.00} # XXXX, Account name XXXX XXXX XXXX XXXX ON XXXX {$110.00} # XXXX, Account name XXXX XXXX XXXX open on XXXX {$200.00} # XXXX, XXXX XXXX {$12000.00} # XXXX open on XXXX has violated my rights. 

I looked at my credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit card

On XX/XX/2023, I attempted to request a credit line increase on my Best Buy credit card issued by CITI. I attempted online and after I entered all of the information requested, it prompted me to call. I called and answered the same two or three questions with an associate who then pulled my credit and said my request was denied because my phone number did not match what was on my XXXX. I never provided a phone number and the number I called in from was a number I had on file with them for 10+ years. The associate would not provide me any details and told me to dispute it with the credit reporting agency but refused to tell me which one of the 3 they got the bad information from. I asked to speak with a manager who was as much of a broken record as the first person I spoke to. I told her that no one asked me for my phone number until after I was told I was denied because of my phone number not matching my XXXX. Again, she told me I needed to take my time and dispute with all 3 credit bureaus because she didnt know which reporting agency provided the information. 

I spent my time today trying to figure out what phone number was on file with XXXX because that was the Bureau that shows a hard inquiry from them on XX/XX/2023. I called and spoke with someone who advised me there was no phone number on my XXXX and they disputed the inquiry for me. 

It was a tremendous waste of my time and whoever is answering the phones at CITI and their managers should be educated enough to have a conversation with a customer. There are dozens of other attributes on my credit report that I could have verified. Additionally, I still dont understand what they meant when they said my phone number did not match my credit report, match what? They never asked me to verify my phone number and again there wasnt one on the XXXX they pulled, XXXX confirmed that!
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 XX/XX/XXXX to XX/XX/XXXX 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: Mortgage

On XX/XX/XXXX we ( my husband and I ) took out a home equity loan in the amount of {$150000.00} we also agreed to a purchase a supplemental insurance that would cover our payments in the cases of XXXX, involuntary unemployment, leave of absence, and accidental XXXX. This was considered Chase 's platinum package. We paid an additional monthly fee for this protection. In XX/XX/XXXX, I lost my job after 22 years and we started to go thru our paperwork for the house. We found the paperwork we signed 10 years ago and discovered we would both be eligible for this protection we had paid for many years. ( My husband became XXXX XXXX back in XX/XX/XXXX after falling from a water tower at work. ) So I went to Chase to ask them to please assist after having made several lengthy phone calls to no avail. They then informed me that they had cancelled this program in XX/XX/XXXX, I asked them if we were notified and they said they had sent out a letter, I asked if we had acknowledged such a letter as we had never received a letter. They stated they did not know, so I asked for a copy of this letter that they had sent and they said they could not provide such a letter. Their only response is that I could fax a letter to their research department. This is a horrible way to treat a customer who has faithfully paid this agreement for 10 years!! I would like a resolve to this situation and feel we are due some response! Please help! We are struggling to pay our bills and thought we were insured for this type of situation.I can provide whatever proof you may need, Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I sent debt validation request. NCB did not respond with information legally required by the FCRA. I also disputed the debt with the three major credit bureaus. Even tho NCB didn't validate the debt. The continued to report to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX closed three account I have the balances of XXXX . Legally this has to be removed because They transferred these accounts! This is a federal student loan they are not reported consistently thats a violation.
Product: Bank account or service

My mother put me as a user for XXXX of her credit cards and I would like my name off them accounts. My mother stopped paying these accounts and left them neglected but now they 're showing up on my credit report and I never wanted to be a user.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL IS REPORTING MY CREDIT CARD ACCOUNT TO TEH BUREAUS AS A DUPLICATE AND HAVE NOT REMEDIED THE PROBLEM AFTER SEVERAL REQUESTS.
Product: Money transfer, virtual currency, or money service

I have a Venmo account. 2 customers requested a refund and thereafter Venmo refunded them and closed my account. I was never afforded due process as Venmo refunded customers without asking my side. I have had to file a lawsuit against the 2 customers to be compensated for my work both of which are under {$75.00} each. Venmo has never asked me anything about the issue, and just closed account. This in turn violates there own policy and terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account still open .. action I took is I paid off the {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to address the negligence, incompetence, and indifference of the Credit Reporting Agencies. I have been disputing my Credit Report for over a year now and the accounts I have been disputing were the results of my identity being stolen. Under the FCRA section 605b, the Credit reporting Agences are required to remove any account and information not later than 4 business days after the day of receipt of the disapute letter. I started sending dispute letters addressed to the Credit Bureaus on XX/XX/XXXX and the last letter I sent was dated XX/XX/XXXX, all letter having the complete attachments of my personal identifying documents and ID THEFT REPORT I received from the FTC. But despite all these, the Credit Bureaus have failed to comply with the request and have been negligent of the FCRA statute. The Credit Bureaus have kept reporting the disputed items without sending me copies of documents bearing my signature to prove their claims that the disputed items belong under my name. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance {$0.00}
Product: Credit card

In XX/XX/XXXX, I experienced financial hardship and was unable to make my credit card payments for 5 months. Recently, the credit card issuer sent me an e-mail to make a minimum payment of {$240.00} to bring my account out of delinquency. The e-mail states that I can regain use of the card. The credit card company placed a restriction on the card and refuses to honor their e-mail. The credit limit is {$800.00}. The balance was {$990.00} and I was required to pay {$240.00}. My available credit would only be {$53.00}. I contacted their office and spoke with a supervisor who mentioned that they will continue to review my account but it will remain restricted. I mentioned the email and she just stated they will review my account. Before my financial hardship, I continuously made my credit card payments on time each month. I would like Capitalone to honor the e-mail sent and remove the restriction on my account plus any negative reporting to credit bureaus since they knew about this hardship. They can view my account history and offer a forgiveness plan based on my continuous prompt payments over a period of 5 years.
Product: Vehicle loan or lease

i purchased a XXXX XXXX  XXXX and i had some extensions on this car it was suppose to be paid off XXXX and it was pushed back until XXXX now they are telling me that all these other fees has been added and they are saying that i have to pay until XXXX, i would of had of paid over XXXX $ on a car that was XXXX $ as we all no that santander has put people like me in these loans where most people has lost their vehicles and i guess by me willing to pay my car off has left me with XXXX XXXX, why should it cost me a extra XXXX $ i am being robbed as we all know that they have had a very bed reputation with their misconception with customers i am begging for help i went on line for the online class action law suit in XXXX and i dont understand why i was not a victim of santander subprime scheme please help me with this situation soon! thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full and continues to show on my XXXX credit report. This was paid off XX/XX/2020. This is showing that it's in collection which is wrong.
Product: Mortgage

Chase assumed my mortgage as servicer, and they have charged me PMI three times in the month of XXXX, and two times for the month of XXXX. My mortgage agreement says that I pay PMI once per month. I demanded that they refund the additional payments. Chase refuses and states that the other servicer was not charging me monthly PMI and they are " catching up ''. Further, I paid the XXXX down to under 80 %, and Chase stated that they would submit to cancel PMI and I would hear back within 5 business days - this was as of XX/XX/XXXX and all of these messages are in writing. On XX/XX/XXXX I was once again charged PMI which I am now demanding a refund for. 

It is very difficult to get straight answers from Chase, and they appear to deliberately make things confusing in order to try and gain more fee payments. My prior servicer ( XXXX  ) was straight forward, easy to communicate with, and did not make over-charges each month.
Product: Credit reporting

I filed several times before complaints against " XXXX '', " TransUnion '', " XXXX '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " TransUnion '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XX/XX/XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???
Product: Credit card

Closed my card out of the blue. XXXX card shows locked, inquired and was told routine security check I will be getting an email tomorrow and spending can resume as normal. Clearly started I have no problems or issues I unknowingly ran into. Account manage clearly stated account is good willl receive email tomorrow investigation complete. 

Next day my card fully closed. I call in first two lines of people cant tell me anything because they cant see all the information but Im not able to ask for a review on my account. Get to highest level manager you can in accounts, states theres no reason she can see this account was even paused. Theres zero reason why in the notes. Theres no violations of yhe customer agreement. My disputes have evidence with them and have already been decided in my favor Im just waiti g on money to return. Manager submits account notes and a special sheet or report to the back office to reconsider my account. Thats Friday I will recieve a call on Tuesday for sure. Its not Friday I havent heard anything and again I went to the highest management possible in card same exact thing can not see any violations does not make sense to the manager. She receives the report filed and filed a second one. 


I now owe them ontop of closing my account XXXXXXXX XXXX because my disputes magically arent adding to my balance either and I need to pay off outstanding amount even though Ive been there 6 years never a single missed or late payment not one! My account is also still approving charges how is that possible like Im getting email of receipts
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been 3 credit reports run against my credit without my consent or knowledge all by the same company SYNCHRONY. The credit reports were pulled twice on XX/XX/XXXX and once on XX/XX/XXXX. 
I have not had any reason to run my credit in the past 8 months, and have not applied for any credit cards, mortgages or car loans in this time either. I keep my credit report frozen to deter identity theft. XXXX has been less than helpful in sorting the matter out, and I want to make sure they or someone else is not actively attempting to take out loans in my name.
Product: Credit reporting or other personal consumer reports

I called XXXX times and the calls were disconnected. Living in a rural area, I have no internet service at home. Additionally, cell connection is spotty. After driving XXXX miles to the XXXX, my calls were refused, the texts sent to me were refused, and the company claims my email is not valid. Then I am disconnected. My roof leaks and I want to replace it. Both other firms allowed me to answer verification questions over the phone and lift the " freeze '' for XXXX months. Experian is costing me time and money as the interest rates are moving. Despite superior credit, XXXX figures of equity in my home, and large retirement income, I've been repeatedly denied. The calls always require my social security number putting it at risk. It is criminal and a form of age discrimination that I am required to deal with AI that does not work. PLEASE HELP!!
Product: Credit card

Credit Line reduced from {$2500.00} to {$500.00} immediately following payment in full of the credit card balance. I contacted Barclay Card to determine ( per XXXX XXXX ) that the credit limit was reduced due to balances on other lines of credit. I advised her that such credit reports do not indicate current information regarding such balances and I offered to provide account statements ( including checking account activity ) which confirms that other such balances have, in fact, also been paid in-full. My request for consideration of alternative account balance verifications was declined. The reduction in the Barclay Card credit limit affects the available credit reported on the various credit bureaus, and thus has a financial impact ( damages ) resulting in otherwise higher interest rates and other adverse credit actions. I feel this scenario clearly indicates that Barclay Card is engaging in unfair practices by not providing an alternative resolution protocol in this matter. This issue has happened previously ( XXXX 2014 ) in which Barclay Card restored my credit limit following receipt of my prior complaint filed with the CFPB in that matter. I am requesting that the CFPB conduct a full investigation into possible unfair actions being conducted by Barclay Card.