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

Acceptance Rentals, 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 XXXX  violated my 609 rights byreporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 and XXXX  XXXX XXXX  XXXX to Equifax that i applied for credit in which I never applied for. They have violated my rights to have fair and accurate ninformation on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report. This is a violation on my consumer protection rights.
Product: Debt collection

They are calling ; to collect a debt on a person that does not live here. The last message was XX/XX/2023 XXXXXXXX XXXX by a Robo Call.
Product: Credit card

This is for a XXXX store card. Due to 60 days past due from me being hospitalized, due to a neck injury XXXX restricted my card. My mom sent payments in manually to the mailing address for XXXX I have never been late prior to my neck injury in XXXX XXXX I had an exceptional payment history. I ask XXXX  as goodwill to reverse the 60 late reporting and they refused even though i had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 60 days late reporting.
Product: Checking or savings account

On XX/XX/XXXX, Chime placed my account on hold and sent me an email with instructions regarding how to steps necessary to unlock the account. 

On XX/XX/XXXX, after gathering the requested documents, I replied to the email from the email address on my account. I followed the directions exactly as directed. Chime never responded to this email. 

Over the course of a year, I sent multiple emails which Chime left unanswered. 

On XX/XX/XXXX, I reached out to Chime from my secondary email address. Chime was very responsive and worked to verify my identity with the address. Then Chime proceeded to request the same documentation needed to unlock my account. I replied with the information requested on the same date. Chime stopped responding again. 

On XX/XX/XXXX, I requested an update again. I received a reply stating Chime would provide an update within 2 - 3 business days. 

As off XX/XX/XXXX Chime has not provided the promised update, and my account remains on hold.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX and Equifax consumer/credit report for the first time just to check to see if everything was reporting accurately. I noticed a few accounts on my consumer report that I did not give written authorization to report. On top of me not giving authorization I also noticed that the accounts on there are reporting my transactions and experiences with me ( the consumer ) and the companies which is against the law ( 15 U.S. Code 1681a ) Consumer report EXCLUSIONS ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; With that being said, I need these AGENCIES to immediately stop reporting my personal and financial information without my written consent and without following the proper guidelines to furnish a consumer report and demand that these accounts be removed from my consumer report/credit report. 

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
Product: Student loan

We have been paying on a {$6000.00} loan since XX/XX/XXXX and still have a {$4200.00} balance. Payments have only been {$64.00}, but it appears this loan is being serviced like a credit card with the interest payment never getting any lower. Is this correct? Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 7, 8, and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a situation where there was a 90day late payment on my account which was incorrect but was fixed by the creditor and all credit bureaus except for Equifax which still shows there are two 90 day late missed payments which is an error
Product: Checking or savings account

On XX/XX/2023 I responded to a Citibank Promotion. I opened a savings account following the link provided. I deposited {$100000.00}. the next day. The promotion was for {$5000.00} if I leave it in the account for a specified period of time. I call the bank on XX/XX/2023 to find out when I can withdraw my funds. I was told after a long time on hold that there was no promotion on that account. I requested to speak to a supervisor. They said they didn't see any promotion. I then threatened to bring a lawsuit and close all my accounts.At that point the supervisor said " Oh wait i have good news, there is a promotion and I have meet ALL the requirements and can withdraw the money. She said the funds will be deposited on XX/XX/2023. I told her that Citibank will not allow me to transfer all $ XXXX in one months time.She said just initiate a transfer from your bank. Which I did that day. I called back XX/XX/XXXX and they said there is no promotion on that account, that took XXXX minutes.I asked to speak to a supervisor who said that I didn't fund the account within the 20 days I was allowed. I told him, is name is " XXXX '' that funded it the next day. At that point he said he would have to send it in for review. He got his information form the first review which was incorrect. I am fed up with their incompetence and downright deceptions.
Product: Mortgage

This is a follow-up from complaint ID : XXXX. Details of that complaint can be found in that complaint. Following the assignment of XXXX from the Citizen 's Office of the Chairman, we worked together to review the details provided to me by the Citizen 's loss mitigation department, and also call them together. Loss mitigation sent me information to liquidate my property. I advised that I was not interested in liquidation, but looking for either a deferral or loan modification. I was advised that I should re-submit my application from the beginning to determine if this was an option. The loss mitigation department advised XXXX and I that I was in a 3-month forbearance. During this time- I was not required to make payments. The representative from loss mitigation also advised XXXX and I that I should submit my application to be reviewed during the forbearance, and that the forbearance would be modified as necessary during the review process. XXXX confirmed and reiterated these details with the loss mitigation representative. This was done in XXXX of XXXX The following week XXXX confirmed with loss mitigation that they had received the packet for review. Each week following this I waited to receive communication, and also verified with XXXX that no status changes were made on my account ( as she did not have visibility into my files, but could see when communications were initiated ). This week ( beginning XX/XX/2023 ) XXXX was advised by loss mitigation that they do not review packets or submissions while an account is in forbearance. Essentially, both XXXX and I were misinformed, and misled by loss mitigation team. They advised that I would need to resubmit everything as my forbearance expired on XX/XX/2023. This will be the 4th time i'm submitting my information to this department. To date I have been lied to, treated transactionally, disregarded, and been placed in a state of duress around losing my home. I have been made to feel like a number waiting in line for a decision of which I have no part in. Citizen 's loss mitigation department has cited multiple times that they do not contact clients - it is my responsibility to continually call them to check on the status of my file. They do not confirm receipt of materials or information, and they reach out over a 30 day period for any additional items needed. I continue to wait in fear for their next communication on the resolution of my case. Internally - it does not appear that they have consistent or accurate lines of communication, and the representatives I've spoken to very often speak little or broken English. I do not feel that Citizens respects or cares about me as a customer, and I hate to think that they may treat other customers this way as well. Let me please be clear, XXXX from the Chairman 's office is the exception to this. XXXX has been undeniably caring and empathetic to my situation. She has gone above and beyond to share information with me and discuss my situation. If the entire Citizen 's company had just a small portion of the customer service focus that XXXX has - I don't believe I would need to be submitting this complaint.
Product: Credit card or prepaid card

This is in regards to my XXXX XXXX 's credit card. This was my first time ever dealing with them. I went into the store in XXXX to use a gift card from my husband. After getting my items, the sales clerk offered me a store credit card, which she advised me that theirs does NOT do a credit check. At check out, my transactions were handled by another clerk who processed my purchases and the application. I had to insert another major credit card which I believed was for verification of credit worthiness. I was approved and provided the information for my credit line. 
I have since noticed that there were credit inquiries made to multiple credit reporting agencies. 
I contacted XXXX XXXX 's card company, XXXX on XX/XX/18 to discuss my concerns. I was advised that the inquiry into my credit can not be removed even due to their sales person 's incorrect information. He only said he wishes the store sales people were trained better. This does not help my situation. I did have him pay off the balance and close the card as this is not a company I want to do business with that provides incorrect information just to get a sale. This is unethical sales practices. Consumers should be provided full and actual information at the time of account opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to LexisNexis to dispute the validity of a bankruptcy that was reporting on my consumer file. On XX/XX/2020, LexisNexis responded to my letter and said that LexisNexis was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your LexisNexis Report The same bankruptcy was reporting to XXXX  and they removed the record from their report ( see attached documentation ). 

I have disputed the validity of the bankruptcy with both XXXX  and XXXX. Neither of the have removed the record. Furthermore, both credit bureaus said that the information was obtained from LexisNexis. XXXX  responded on XX/XX/2020 and XX/XX/2020 and XXXX responded on XX/XX/2020. If LexisNexis removed bankruptcy case number XXXX from my report, then why are they continuing to report this information to the credit bureaus. I feel that this is a violation of the Fair Credit Reporting Act. Please see the attached file for all documents that support my claims. 

I ask that you stop reporting this unverified information to XXXX  and XXXX. Furthermore, please contact XXXX  and XXXX  and have them remove this information from my credit report as it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 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 reporting or other personal consumer reports

It is a list of Credit cards that Experien is reporting on my credit report that's violating my consumer rights. 

This is invasion of my privacy as a consumer and your company is required by the Federal Trade Commission to comply with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act.

Please cease from reporting recent and high balances and update this information With EXPERIAN, XXXX, and XXXX within 15 days of receipt of this letter. 

These are the accounts that must be updated immediately. 


XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

its Ditech.com that is perpetually SO IMPOSSIBLE TO access to log into my account is like breaking into XXXX  for two years, once in a lifetime u get into the home page, clicking the log into my account gave you Error page. i spent tons of money calling from overseas n the answer they gave u is " dont use iphones, and when i said i did not n they came up with other excuses like we can get on fine, it must be your network!!. i have complained n send them emails n they got back with a do not reply email that simply condescended you with someone will be in contact ... .3-5working days, WHAT THE HECK??
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

I called XXXX and spoke to Ms. XXXX from Harris & Harris on XX/XX/XXXX. I told her I could not receive personal calls at my job. She insured me she would take my work number off of the list of numbers to contact and add my cell phone number instead. Today, XX/XX/XXXX, I received another call from the same company. They left the number XXXX for me to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to the credit bureaus every 30 days XX/XX/2022 XX/XX/2022 XX/XX/2022, all the way until now ( XX/XX/2022 ) - and the same errors are continuously reporting without any resolution or a response from the bureaus! This is obsurd. there are too many errors to count. There is a bankruptcy on my report that I have proven the courts do not respond to and i sent it to the credit bureaus and the bankruptcy is incomplete with no date settled on equifax. Equifax keeps reporting the same account with positive payments and it's closed and shows it's a satisfied collection. there are XXXX XXXX XXXX  accoutns with the same error! they will not remove it.
Product: Checking or savings account

Have been numerous times where i was charged overdraft fees for various checking accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( XXXX, XXXX and Trans Union ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

In XXXX of XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX  XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

Trans Union is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

XXXX  is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX XXXX XXXX has 6 late payments which are inaccurate as well.
Product: Student loan

I have tried to get proof that I owe the staggering amount of student loan debt which is being taken from me as a garnishment. Several collection companies have traded around my file and adding up fees, etc. These companies include XXXX, XXXX XXXX, XXXX, XXXX, and Navient. To date the only " proof '' they have submitted are 2 items. One being a legitimate promissory note to XXXX XXXX XXXX I signed with my legal name in XX/XX/XXXX. It has been paid off, and I can find no proof that any bank is after me for that. Yet, DOE is garnishing my wages. The second bit of " proof '' is a consolidation form from XX/XX/XXXX that is wrong in so many ways. It has a signature on the bottom line that is not the same as on the beginning of the form. Neither is my legal name, and the bottom signature is certainly a forgery. I have countless documents that show how I sign my name, and they are consistent and different then this one. Also, It has no amount or bank that I supposedly agreed to. I have repaid every loan or made payment plans ( rehab ) to correct to no avail and now for years have been being garnished. No one I have talked to has helped but are sure to tell me how to start another goose chase of sorts. I am getting ready to retire and have seemingly no options.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, TransUnion, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX XXXX XXXX XXXX XXXX XXXX show 30 days late payment on XXXX & XXXX payment is inaccurate ) ( date last active ) reporting differently on each bureau ( TransUnion XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX show 30 days late payment on XXXX. Payment inaccurate ), ( date last active ) reporting differently on each bureau ( TransUnion XXXX  ) ( XXXX XXXX XXXX XXXX XXXX ) ( account need to delete the company couldnt verify my information, high balance need updated ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( accounts need to remove deleted & updates the company couldnt verify my information ) reporting differently on each bureau ( TransUnion XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( show 30 days late payment on XXXX Payment is inaccurate ) ( date last active ) ( reporting differently on each bureau ( TransUnion XX/XX/ ) ( XXXX XXXX XXXX XXXX XXXX # XXXX ) Show 90 days late payment on XXXX XXXX XXXX. payment is inaccurate please update ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) Show 60 days late payment on XXXX & XXXX. Payment is inaccurate please update ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) reporting differently on each bureau ( TransUnion XXXX ) ( TXXXX XXXX XXXX XXXX XXXX XXXX ) reporting differently on each bureau ( TransUnion XXXX ) Regular inquiries ( 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 This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. XXXX5 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.