23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I submitted a debt collection harrassment complaint against Home Depot - Citi. Case number : XXXX. They responded with a demand notice for payment. I went to pay that debt today the due date, even though XXXX days late. When I entered their site, I had to go to a credit center, then select the card I wanted to pay. It was very difficult to figure out what sign in to enter. I was registering for a Home Depot on line account when I realized it was no the correct place. In small print at the bottom of the form was - are you trying to pay a credit card, click here ... It was very deceptive and an attempt to gather my information for unecessary reasons. When I finally got into my account, I clicked on Make a Payment. The form took me to an update contact form. It required my home phone number, which is a cell, and I did not want to give it. I provided a work number instead. I removed my cell. On Save, it said, sorry we are unable to process this. I did this XXXX times, and it would not let me make a payment. I finally clicked on another menu item - Account Profile. In this form, it let me edit my information, and it did not require a phone number. They had also put my cell number in my home number field, which I did not do. I removed both, neither were required to save the form. After saving it, I clicked on Make a Payment, and it finally let me make a payment. The required phone number on the first request was deceptive, abusive, and their form did not let me make a payment. This kind of service is abusive, confusing, deceptive, unrealistic to consumers. Citi should be fined and forced to stop using these tactics they can not support customers. They harrassed me with XXXX calls a day every hour and then their stupid system would not let me make a payment. This kind of treatment HURTS the Home Depot brand. I 'm pretty sure this tactic was a abusive response to my creating a complaint earlier, which is AGAINST THE LAW to take action or treat me different on my account just because I submitted a complaint. They can not treat me any different based on race, etc. or if a complaint is issued against them. This is abusive and against the law and Citi should be held responsible for this unlawful and abusive tactic, just as they should be held responsible for the abusive and repeated calls.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against TRANSUNION for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to TRANSUNION regarding XXXX inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, TRANSUNION failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.TRANSUNION failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that TRANSUNION upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Tech Credit Union resolved a problem with my credit Card. The amount paid was settlement on the account. I presently show that a balance of {$5000.00} is due. This is inaccurate and should be corrected. 


XXXX The merchant was contacted and the company hired to deal with the incorrect balance was removed due to their tactics. This error was done by XXXX XXXX who sent me elsewhere while I had a open dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old navy credit card back in XXXX - XXXX I paid it off and closed it myself but it has remained on my credit report for 10 years is that legal and the highest amount was {$200.00} I thought only bankruptcy can stay on your credit report that long how come this company that I closed my account on my own cause I didnt want it anymore how was this company able to ruin my credit for 10 years this should not be legal and its not fair and my credit card was with old navy XXXXXXXX XXXX  and now they with Barclays and Barclays dont have a record of me its all XXXX
Product: Credit card or prepaid card

On XX/XX/2018, & XX/XX/2018, Bank of America address XXXX XXXX XXXX XXXX, DE XXXX placed hard inquiries on my credit score I talked on to customer service to request help from them on what would be a good credit card for my first ever credit card to get started they referred me to high end cards such as the travel rewards cards which there was little to no chance that I could receive, this is now negatively effecting my credit for their poor judgment on referring me to a high end credit card for my first credit card to apply for. On XX/XX/XXXX I called them back because I did not receive a letter in the mail after 5 business days so I thought the credit card request did not go through therefore I called back and instead of looking at my history and telling me there was a letter on its way they had me apply for another credit card that was not possible at the time for me to receive again bad on their customer service and really negative to helping someone at the age of XXXX get their first credit card. after several business days I received letters in the mail stating I have no credit score yet therefore I can not receive these cards. On XX/XX/2018 I applied for a student card with Bank of America after calling in frustration why the cards they recommended me for did not get approved they then recommended I apply for a student card but since my credit was negatively effected from their recommendations for my first 2 applications I was not accepted for that card either. VERY FRUSTRATING being only XXXX and trying to start a positive credit line. I then finally gave up on Bank of Americas poor customer service and recommendations and got a XXXX   XXXX journey card which I was immediately approved for. I would like to fix these hard inquiries and have them taken off my credit score on XXXXXXXX XXXX, and XXXX 

Thank you for your time and I hope that this can be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XX/XX/1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school.

See 20 USC1232g ( b ).

Remove my student loans from my account, immediately.
Product: Student loan

In accordance with the Fair Credit Reporting act XXXX Account ending in # XXXX, has violated my rights. 

15 U.S.C. 1

681 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: Payday loan, title loan, or personal loan

My account with one main financial had insurance on it. After I lost job the insurance covered nothing of what expected. Contact became difficult and I was told to make payments that were less then my monthly payment. The account defaulted and now I have a car with no title possession. One main financial used my car title for loan.
Product: Vehicle loan or lease

This is a formal notice that I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. I have a right to opt out of my information being shared and hereby do so. The XXXX XXXX limits your ability to share my personal financial information with certain non-affiliates. 
I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete any account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I XXXX have had with your company. 
Failure to delete the tradeline will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Product: Mortgage

Wells Fargo placed my home in forbearance without my written authorization and have made modifications to my loan without my knowledge or understanding and it was not signed by my husband or I. We were eligible for state covid funding and because they put our mortgage in forbearance we didn't qualify. They told the state our mortgage was not delinquent. We have been unable to make a payment since XX/XX/XXXX and suffered severe financial losses due to covid. I have been calling them since XXXX very frequently trying to get this straightened out. I asked for the forbearance to be removed and they refused to tell the state we were behind on our mortgage. I filed a complaint with their corporate office and they were the rudest people I've ever spoken to on the phone in my life. Not once did they tell me I could remove the forbearance. I recently was informed I could do that by another Wells Fargo agent which I did immediately. It appears they have now added a second principle balance to our loan in addition to deferred interest we owe. NONE of this was ever explained to us or approved by XXXX. They have also misrepresented to the state of Kansas that we were not behind on our mortgage payment when in fact no payment has been made since XX/XX/XXXX. Because of the way loan servicers are compensated for forbearance, Wells Fargo is undoubtedly making money on this and playing with peoples financial well being and mental well being. Our family is now at risk of losing our home because of this fraudulent behavior during one of the worst economic collapses in recent history. I phoned Wells Fargo today XX/XX/XXXX to have them send me the date my mortgage would be considered 30 days past due according to their records. The first representative said XX/XX/XXXX and the second one told me XXXX. I asked them to please email me the information and what date my mortgage would be considered 30 days past due so I could have it in writing. They both told me they couldn't provide any information via email regarding this request. I simply asked them to provide me the date when my mortgage would be considered 30 days past due so I would have it in writing and they both said they couldn't provide me the information. I feel like they are purposely trying to keep me from qualifying for state assistance and making money off of it also. This is the definition of a predatory lender. I've made so many calls to them ( probably well over XXXX ). I can provide a list of dates for the calls if necessary but according to them everything is always recorded. They are trying their hardest to push this to foreclosure and make as much money as they can from it. This is shameful and Wells Fargo has been admonished before for their illegal and predatory behavior. This needs to stop!!!!
Product: Credit card

I signed up to get a new US Bank XXXX XXXX XXXX credit card for one purpose : to pay my outstanding {$4300.00} balance for a cruise I bought from XXXX XXXX. The bank advertises that the credit card awards 4X points for every dollar spent on travel expenses, but they only credited me XXXX. So instead of XXXX points, I got only XXXX points. When I questioned why I did not get XXXX points, I got this reply : " We do not have the ability to control how merchants classify their businesses. Therefore, we reserve the right to determine which purchases qualify for additional rewards. Our records indicate XXXX XXXX XXXX XXXX classifies their business as a travel agency. Purchases must be made directly with airlines, hotels, car rental companies, taxicabs, limousines, passenger trains, or XXXX XXXX to qualify. This means your transaction ( s ) to XXXX XXXX XXXX XXXX do not qualify towards the additional rewards. '' Obviously, XXXX XXXX is a CRUISE LINE. Look at their website here : https : //www.starclippers.com/us-dom/ In my opinion, this is classic BAIT-AND-SWITCH and FALSE ADVERTISING.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan from XX/XX/2014 to XXXX shows that I was late on my credit report. I attended school before this date and after XX/XX/2014 I was told that my loan was deferred and it would be backdated from XX/XX/2014. I look at my report and it still shows that I am late. They have updated my XXXX   report and removed the late payments. I have disputed this with all three credit bureaus and they still show up late in XXXX  and XXXX  please fix this. I know that there is a dispute with the Attorney general with the Navient student loan from the college I went to. Although I want my credit report to be updated please. I am aware of the law suite many years ago involving Navient with not disclosing information to students on other behalf when you need a deferment or even letting students know of there option I am sure this is what happen and this is a mistake please remove the late notes in my report
Product: Debt collection

Two Medical debts in the amount of {$440.00} and {$410.00} have been reported to Fox collections. On XXXX I called and spoke with rep and requested Itemized statement for as proof of debt, I did not receive the requested information so I called back again to Fox collection on XXXX and spoke with XXXX who stated that Itemized statements have been requested but not received and follow up would be with itemized statement would be requested again. As I had not received the statements I called back again on XXXX and spoke with a XXXX who agreed that facility XXXX XXXX XXXX XXXX is not responding. Call was transfered to Senior manage XXXX who stated that he would get those Itemized statement sent to me with in 14 days, I advised that if I did not receive them that I wanted the debt removed from my Credit report. I called back again on XXXX and spoke with Senior Manager XXXX who could not resolve the issue and was Transfered to anothe ManageXXXX XXXX XXXX ( contact # XXXX ) who stated that would take XXXX months for my them to provide the Itemized statments and that the debt would not be removed from my credit report. I have tied in vain to try and reslove this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account in full with XXXX XXXX XXXX on XX/XX/2018 for the amount of {$5100.00}. 

XXXX XXXX still reports a balance of XXXX, as well as a late payment when it should be reported as XXXX balance. 

I have brought this information to XXXX XXXX on XX/XX/18 and XX/XX/18 and they will not correct it. 

I have recordings of making the payment stating that it is payment for settlement in FULL, as well as supporting documents. 

When I brought the issue to Transunion they called XXXX XXXX, and took the information provided from XXXX XXXX because they said so and disregarded any supporting documents that I had sent over. This was on XX/XX/18. 

I gave XXXX XXXX the original 30 days allotted for dispute through transunion, at the end of the 30 days they still reported false information. 

I am currently going through the mortgage underwriting process and this information immediately dropped my credit score XXXX points putting my mortgage approval in jeopardy. 

I will upload any documents I have. I can also provide the recorded conversation with XXXX XXXX XXXX XXXX co, clearly stating that the payment was for SETTLEMENT IN FULL.
Product: Mortgage

CMG Financial makes repeated false claims about the ability to change the due dates in order to bring our account current. The most recent event, on XX/XX/2021 at XXXX EST, we spoke with CMG financial regarding a past due payment of {$1100.00} and late fee of {$41.00} we incurred for being past due on XX/XX/2021. The male agent we spoke with explicitly told us CMG Financial would move our due date up to the XXXX of every month in order to line up with our pay cycles only after we paid the late fee and brought current the past due balance for {$1200.00}. We honored our side of this arrangement and paid the {$1200.00} to bring the account current so they could execute the due date change. This billing cycle we were hit with a late fee again as a result of our due date never actually being changed despite bringing our account current. We reached back out to CMG Financial on XX/XX/XXXX at XXXX EST and were told by a different agent that no such change was made and that such a request, changing our due date, is not even possible even though the agent we spoke with on XX/XX/2021 at XXXX EST not only told us it was was possible but explicitly recommended it as a solution to our pay cycle due date alignment issue. Ultimately this has resulted in late fees being incurred on our account as a result of CMG Financial deceitfully promising a due date change that never occurred.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not allowing me to submit a dispute and is failing to process my dispute regarding unauthorized disclosures.
Product: Debt collection

XXXX TRIED TO SPEAK WITH ACCURACY AND NOT BE NEGATIVE BUT XXXX THE ACCOUNT MANAGER KEPT PUSHING AND THREATENING WHEN I ASKED COULD SHE VERIFY THE DEBT. I ASKED QUESTIONS ON RECOREDED LINE AND SHE REFUSED TO ANSWER AND DID SAID PUT HER ON HOLD TO CALL ORIGINAL DEBTOR. SHE ALSO SAID SHE SENT A CERTIFIED LETTER NOTHING ON THERE WEBSITE IN MY FILE SAYS THIS INFO.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXXBalance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX.