23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi, I have a credit card with Home Depot. I've had the card for about a year I think. I try to always pay my credit cards on time. Every single month, I try to log onto my account and the login on my phone states that it is the wrong password. I then change my password ( This happens every month!!! ). I usually get into the account by changing my password on a monthly basis. I now have it on a post-it and stuck around my credit card and I couldn't even get onto my acct yesterday at all even after changing my password, so I called the customer service number on the back of my credit card and I got connected to some woman that wouldn't stop talking and wouldn't take a breath to sell me some kind of insurance. I hung up on her and called back and finally got to pay my bill. This is an ongoing problem every month. I really wish I had the money to pay the entire balance now and close the acct. This is beyond annoying and way too much work to pay a bill. I can't be the only one having this problem. Is this so I can incur late fees for not paying a bill? I have contacted Home depot numerous times and they send me texts that someone will contact me and they never do. ( I still have those texts ). Sick to death of this
Product: Checking or savings account

This is the first time actually making a large withdrawal with my Citibank debit card. And my card was immediately locked. I called customer service and was transferred several times to awed and was told that there was an automated block on my card. I asked for a supervisor and then was lied to that the block would be released on its own within the first 24 hours if not tomorrow morning at the latest. Have no way to access my funds. I do not live near a Citibank branch. The closest one is all the way in XXXX and I live in Michigan. I would just want my money out of the account and I would like to close it immediately after I finish with them, customer service was horrible, representative treat me as if I was bothering them when they were withholding my money and not giving me any information on how to take it out. I had to use XXXX to take money out of my account to pay my bills and XXXX also to remove money from my bank account.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX  from my XXXX  account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on TransUnion File Number XXXX ; dated issued XX/XX/2017 the  following information is completely incorrect or erroneous : On the top left side of each page where it says " Consumer Credit Report for : XXXX XXXX XXXX '' is incorrect. I have been trying for months to have this corrected for months since my real name has NO middle initial. I repeatedly state that my official name is XXXX XXXX but TransUnion refuses to correct this. All TransUnion has to do is look at my home mortgages and these documents will plainly show my correct name as XXXX XXXX. This harms every time a potential employer, creditor or bank looks at my credit report. TransUnion is forcing me to be someone that may not even exist hurting my credibility and reputation. I would like CFPB to intercede in this case because this name that is not mine appears on every single page of my 10-page report. <P/>Further, TransUnion refuses to remove an unauthorized SECURITY ALERT on page 10 of 10 of my credit report. This security alert was initiated by mistake by XXXX. Both XXXX and XXXX took this off but TranUnion refused because they said it originated from XXXX XXXX which is untrue. Again I would like CFPB to intercede in this matter to correct it,,, it again needlessly harms me with my student loans, etc.
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/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: Mortgage

I am a XXXX XXXX XXXX veteran. As of XXXX, the state of Illinois approved tax exemptions of primary residences to XXXX veterans. 8 months ago, Loancare, a XXXX XXXX. NMLS # XXXX purchased my loan. In XXXX, I informed them that I was tax exempt and filed the appropriate paperwork. They have me on file as tax exempt with {$0.00} due. They have {$8100.00} of mine in an escrow account. The only thing due for the rest of the year is {$2000.00} for insurance. They will not give me the {$6000.00} that belongs to me! Furthermore, they keep making me pay them an extra {$820.00} per month toward taxes that is n't due. When I attempted to pay them the correct amount, they charged me a service fee of {$92.00} ( which they allowed a " one time '' forgiveness on. ) I 've been trying for 5 months now and they WILL NOT stop this activity nor give me my money. Please help! Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$7000.00} 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, credit repair services, or other personal consumer reports

I am filling this CFPB complaint against RECEIVABLE MANAGEMENT since I am unable to get the expected result for the multiple disputes I am sending to them. I made sure to send another letter directly to RECEIVABLE MANAGEMENT regarding my dispute but I also wanted to make sure that my concern will be solved once and for all. The concerned account is REC MGM SYS ( Original Creditor : PATIENT FIRST ) XXXX This account started to show in my credit file in XX/XX/XXXX and I have been disputing this account ever since. But after a few attemps, this was removed from my XXXX and XXXX credit report. Now that this account is only reporting in XXXX  and I don't know how they continue to report this account as verified. 
1. The initial balance reporting for this account is {$920.00} but after this has been removed to 2 credit bureaus the balance was changed to {$300.00}. The balance being reported is completely different. This is from the same company and account number so how can the balance be changed if you are claiming the account as verified as accurate? 
2. From the initial report ( XX/XX/XXXX ) the balance was {$920.00} but the high credit in the report is only {$390.00}. I need to know charges or interest added by RECEIVABLE MANAGEMENT for this account to end up to the balance of {$920.00}. 
3. This account is reporting as fully verified then how did the balance change to {$300.00} on the recent credit report? No date of last payment reported in this account so please verify and validate why the balance that ends up now is {$300.00}?

4. This account was acclaimed by RECEIVABLE MANAGEMENT in XX/XX/XXXXand I know that this debt is completely older than that. This account is outdated therefore should be removed from my credit report due to the statute of limitations. 
I am attaching the screenshot of how this account is reporting in my credit report and how they continue to report this despite all the inaccuracies. RECEIVABLE MANAGEMENT and its continued report in XXXX is a big mistake. And I need it to stop. This is an inaccurate and invalid collection account that has been giving me a hard time improving my credit score.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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  Balance : {$1900.00} Chargeoff
Product: Checking or savings account

I had an checking account, missing funds, fees that werent supposed to apply to my account, etc.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by an Individual pretending to be a worker of JPMorgan Chase, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Chase account to fraudulent firm ( s ).
Product: Credit reporting

TRANS UNION - I tried to look at my report, and screen blinked, and could only see it for a second. I tried again, and they we already gave you the report, when I did not get it. I sent a message to them, and I got a terse letter saying along the lines of 'too bad, we gave it to you, you can pay for another if you would like. ' XXXX - I get this message : A condition exists that prevents XXXX from being able to accept your request at this time. 
They say I have to mail in a request. I am now unable to get XXXX of the XXXX reports. 
I get all my reports quarterly, I am now XXXX reports behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 


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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Land Collection XXXX & XXXX : This account is double reporting on my credit file. This is for the same debt.I was unaware I even owed this debt as I never received any notices for it. It is however a violation to double report the same debt on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for 3 month extension for covid-19 - never knew it was never processed until I got a past due notice in XXXX - Which I paid immediately and when I called XXXX XXXX they said it was never processed completely. XXXX XXXX reported me 3 months past due!!!! 

I've disputed with the credit bureaus and XXXX XXXX and the representative said there wasn't a program in place in XXXX but I was denied for the " program '' in XXXX - so if there's no " program '' what did I sign up for? 

I've called several times to escalate my call to a supervisor and continue to get the run around. 
In my opinion this is a common sense error that could have been rectified with a simple common sense approach - spoke to XXXX executive office said she has to review account could take another 15 days ... 
COVID19 HAS TAKEN EVEN COMMON SENSE FROM PEOPLE!!!
Product: Credit reporting or other personal consumer reports

On Transunion there are XXXX HARD INQUIRIES for account that dont belong to me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX removed it after their investigation. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the status information of this account. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( XXXX, Experian, and XXXX, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC report.
Product: Bank account or service

Chase processed the debits before the credits and charged me XXXX overdraft fees for {$34.00} each
Product: Credit reporting or other personal consumer reports

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

`15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the consumer, never gave XXXX XXXX XXXX XXXX XXXX XXXX Transunion, or any other consumer reporting agency written permission or consent to obtain my information or to furnish my information. I have sent an opt out notice and XXXX XXXX XXXX, XXXX. is continuing to report this negative, closed account within my consumer report.
Product: Mortgage

I have a 7 year fixed mortgage through Chase that re finances in XXXX on XX/XX/XXXX they sent me a note that per the terms of the loan it would not go up more than XXXX points and would ne fixed at 4.875 for a year. I reached out to them a XXXX XXXX and she confirmed that was the case I just received a notice in the mail ( similiar in format ) dated XX/XX/XXXX saying that my new rate will be 7.5 % as of XX/XX/XXXX. 
I feel I was fraudulently misled intentionally to make a greater profit by Chase Had they been honest in XXXX and told me their absolute intentions i would have re financed then into a much lower rate than 7.5 %! 
I knew rates would change just not to the extent they are now saying!!
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. 

XXXX XXXX XXXX : acct # XXXX, XXXX XXXX services : acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Credit card

I was locked out of my CitiBank online account. 
I reset the password twice. Eventually got 100 % locked out to where Citibank said that they would send a new card. 
New card was never received and when called to finally close out the account I have not received final confirmation that the account it closed.
Product: Credit card

On XXXX/XXXX/2016 contacted HSBC Bank to register Credit Card for online access to pay bills. Was advised they could n't do it and to call a different number. I had them transfer me and was advised that the account had been closed and that I was classified as " deceased ''. They told me I had to go into a branch location with ID to verify identity. I went to the HSBC Branch In XXXX, MD @ XXXX XXXX XXXX XXXX, XXXX, MD XXXX. They took photocopies of my ID 's and said that there was nothing they could do at the present time and had to be worked on in house. They said someone at HSBC made an error but gave no time table or additional info regarding resolution. The personal I was dealing with at the bank said, " we are waiting for a copy of the death certificate. '' They did not provide any details as to why I was identified as deceased said I could not pay my bill over the phone or online because it 's currently in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below were unfamiliar to me. Therefore, they are all unauthorized to pull my credit report. These issues were addressed to both Creditors and TransUnion but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule and all information was erroneous. 

XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020
Product: Credit card or prepaid card

I have a total of XXXX credit cards showing on all three major credit reporting agencies. While I was XXXX XXXX I placed a fraud protection on my account to make sure nothing like this would happen for the several years I would be unable to monitor it. At the beginning of 2021 I had my credit ran for a homeloan with my husband to then learn from the bank of these XXXX credit cards. The same thing happened to my husband. We have learned that my sister while in my home stole our credit and I informed all the credit cards companies and gave them police reports, as well as a letter detailing that it was impossible for us to open them while XXXX XXXX because they were supposed to call me prior to opening any credit card because my credit was on fraud protection alerts. It would have been impossible for them to speak to me because of the fact I was XXXX XXXX in the location I was in. IMPOSSIBLE. So I could have not open any credit cards. They have been unwilling to cancel the cards and delete them from my credit report. But they had no issues with charging them off because I refused to pay for cards that were fraud. My sister is now incarcerated because she was charge with stealing XXXX peoples credit cards and personal information to open cards. I am please asking for these to be asked to be deleted by your agency. I need the help from you because the credit card companies do not care that my service would have made it impossible for me to open them. They also failed to protect me and check with me per my fraud protection. Instead they ran my credit and allowed someone to open XXXX ( XXXX ) cards in my name. The cards are listed below. 

Capital One : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Student loan

I had XXXX IBR payments completed when I lost my job. Navient put me into unemployment deferment. I just heard on XXXX that this was the wrong thing for them to do - that I should be in IBR with an income of {$0.00} so it counts for my 25 years, and that you are suing them for doing this to students. I would like to add my name to the suit or whatever I need to do in order to benefit from the lawsuit, since this will add months to my IBR loan repayment.
Product: Credit reporting or other personal consumer reports

i was in the hospital for XXXX months with XXXX, hmissed XXXX XXXX and i only missed XXXX payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I'v contact the credit reporting companies several to remove the illegal information, being reported to my credit accounts on the sites, because of them violating my right under the USC laws XXXX and nothing has happen.