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

I opened a XXXX XXXX in XXXX or XXXX to improve my credit. On XX/XX/2020, my account was credited with a payment of {$290.00}. That left me with a zero balance. However, someone odd happened, that payment took time to show up despite paying the amount directly online. During that period, my account was charged an annual fee which made the account go over balance by {$68.00}. Within days, XXXX reported the account, and my credit dropped about 100 points on both Equifax and XXXX. That negatively impacted my ability to move and find an apartment. Interestingly, that annual fee was removed, so my account should never have gone over. I make timely payments, yet my credit report continues to show the account is overdrawn at {$360.00}. It's over one month, yet XXXX has not corrected an error on their part. My credit reports shows I am overdrawn on my XXXX account even though I am not. It's been over a month and XXXX has not corrected their error. My actual balance is only {$100.00} with a minimum due of {$30.00} due on XX/XX/2020. I spoke with XXXX about a month ago when I noticed the account overdrawn. A representative assured me the problem would be taken care with the adverse effect on my credit report removed within 7-10 days. This was not done. I contacted Equifax and apparently XXXX did not update my account. I contacted XXXX again and another representative said I was given incorrect information that the process took 30 days. It's past 30 days and XXXX did not remove the error.
Product: Credit card

I have been having the following issues with Regions XXXX XXXX XXXX Credit Card. 
XXXX. Earlier in XXXX I was not receiving notification of my statements. Regions indicated that they had emailed the statements, but there was no email in my inbox or spam regarding statement notifications. There were emails with advertisements from them, so that had my correct email. 
XXXX. I switched to paper statements to avoid the problem in mid XXXX, specifically to get notified of the monthly statements. Upon making this switch I was denied online access to my statements. 
XXXX. I pleaded with Regions to give me back access to online statements, but they refused, and indicated that I could only have online statements or paper statements not both. 
XXXX. There were a few months XXXX and XXXX whereby I did not receive paper statements and incurred late fees and interest again. I had no paper or online statements. 
XXXX. I believe that Regions is doing this as a routine practice to get late fees and interest. On today XX/XX/XXXX a supervisor explained to me that Regions does not want to send paper statements because of the expense. 
XXXX. My account number was changed today, and there is a payment that is due by XX/XX/XXXX. This payment is just for late fees and interest because of the issues explained above. I am unable to make this payment because I dont have the new account number, which Regions claims that they can only mail to me. They can't give it to me over the phone, and I have been denied online access.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX # XXXX Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 or prepaid card

I OPENED MY ACCOUNT ON A MONTH AGO, THEY CLOSED IT ON THE XX/XX/XXXX, TRIED TO NEGOTIATE WITH THEM ON SEVERAL OCCASIONS WITH NO ACTION TAKEN ON THEIR END.! I AM LOOKING TO HAVE MY ACCOUNT REOPENED BECAUSE IT WAS CLOSED WITHOUT WARNING AND WITHOUT CAUSE AND IS NEGATIVELY EFFECTING MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

I bought a jewelry from zales they told me I have 18 months to pay for the {$1000.00} piece they have overcharging me with late fee and didnot take the payment on time from my XXXX XXXX XXXX Bank account ; They also took money from the wrong account and in BoA account and XXXX XXXX XXXX charge {$65.00}. They also sold my account to another bank ( XXXX ) XXXX XXXX.The balance right now is {$550.00} which is wrong. It should be {$300.00}
Product: Debt collection

XXXX XXXX XXXX has conspired with some outfit ( XXXX XXXX XXXX ) in a attempt to having them extort monies claimed owed to them that have already been previously paid to XXXX XXXX XXXX in full, and charged off which is illegal per tax reporting laws.
Product: Debt collection

I HAVE CONTACTED MIDLAND CREDIT MANAGEMENT TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXXTHIS ACCOUNT ORIGINAL CREDITOR WAS XXXX, XXXXTHE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account is a significant source of concern for me. I am deeply worried about its potential negative impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX XXXX strain and XXXX distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Mortgage

I spoke with customer service rep  XXXX  yesterday and she was gracious enough to look over my account with me ; we are currently going into a loan modification agreement and for several months I have called in inquire about the past due balance of {$5000.00} plus dollars that Pacific Union states that we owe on property   XXXX   XXXX   XXXX    XXXX , Ohio  XXXX  ; I have spoken to several reps in the past who have said that they were going to put a ticket request in asking for someone to look at all payments, adjustments, and missed payments to ensure that our balance is correct and as of yesterday we have not received a call back stating that this has been done.
We are grateful for the Loan Modification but would like the terms to be based on the correct amount and not a system error.
Unfortunately in  XX/XX/XXXX  we had to file chapter  XXXX  bankruptcy to ensure that our property and cars were protected while we tried to get back on our feet financially ; in   XXXX   a ESCROW ANAYLSIS was completed by Pacific Union and it showed that we were going to be short and our mortgage was increased almost {$200.00} ; our payments went from {$1200.00} to {$1400.00}. We questioned it then and asked our attorney to examine this ; after he contacted your legal department and spoke with your attorney, the increase in our mortgage was rescinded and per the courts our mortgage payment was returned back to {$1200.00} effective  XX/XX/XXXX  ; please see court document attached. We soon asked for a loan modification and were approved ; our mortgage payment and interest rate were deceased however amount was based off of the {$1400.00} and not the {$1200.00} as stated by the Bankruptcy courts. If Pacific Union is showing that our mortgage payment is suppose to be {$1400.00} then it will cause a greater past due balance than if it were updated back to the {$1200.00} ( the original amount of our mortgage ) ; our trustee was making the payments accordingly at {$1200.00} but our past due was growing because the system is showing the payment as {$1400.00}.
In addition due to the rescinding of the ESCROW increase there was a {$1500.00} overpayment noticed and report by the bankruptcy trustee and she requested, agreed to by all parties and granted by the courts that the overpayment be accredited to the Mortgage Arrears claim of {$3100.00} ; so the actual past due would be about {$1600.00}. There doesnt appear to have been an adjustment of this ruling to our account.
We are asking for the following : Update your system to reflect that our true mortgage payment was {$1200.00} and will now be {$1200.00} Make adjustments to our account that reflect the application of the overpayment of {$1500.00} Review and make any corrections to the past due balance that would be apart of our Loan Modification that was approved.
Send us a new payment history once these payments and adjustments are corrected Thank you so much for understanding and helping us get and keep our mortgage on track!
Product: Credit card

I tried to renew my XXXXXXXX XXXX subscription with my Citibank card ( It was on automatic renewal ) I use the same card to renew another XXXX subscription monthly with no problem I received a notice that there was suspected fraud via email and text. I approved the transaction Twice I called Citibank and they said my card would be unblocked I called XXXX We tried to pay again Card blocked This happened 4 times I added a new citibank card to pay the charge and that card was immediately declined. I've called Citibank 6 times to try to get the cards unblocked I was told twice that it was unblocked and now I'm being told that my card ( XXXX ) are " under review '' I don't know what that means and now I have XXXX cards that I can use. I have no idea when this will be resolved There was no fraud. I was simply trying to make a payment Now I can't make any payments. Again there was no fraud and they confirmed my identity yet still blocked my cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX please fix my account I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against tXXXX XXXX  XXXX. I spoke with their employees, who introduced themselves other than a salesperson. They started their lies by saying we are making a good financial investment and even promised re-sale value would go up. Moreover, they told us that we would actually make money from this timeshare. They offered us gifts such as discounts in parks, savings on our vacations and bonuses if we sent people with promotional codes, and other enticing things which involves earning money on the promotions platform. They made us believe that things would be positively different but each time things got worse to the point that this even created a serious hardship for us. We felt pressured when we were told they needed some sort of approval in order to grant us the deal and that it was our last chance at the lowest price being offered. They never gave us copy of any application nor did they made us aware of all the fees involved. Everything felt rushed as they have never given us enough time to read through the contract. They never gave us a copy of the contract either. We were not properly informed how cancellation process works, we didn't even know how many days to cancel. We tried requesting to cancel after a month but they told us that we could not cancel anymore, that's the only time they informed us that we only have a few days to cancel after the day we spoke with them. We experienced financial problems, husband lost his job and with too much timeshare debt due to credit card payments. We had relationship stress due to this issus because it has damaged our financial credit to acquire loans for our house. It caused us lots of stress to the point that we even lose sleep because the financial situation is not good and we have to pay for this timeshare that we can't even use. The whole process was clearly rushed because it was very fast, like they did everything for us, without giving us enough time to think or read the contract. According to them, we were going to save too much with the timeshare and they did not explain that we could cancel nor did they explain the annual maintenance for life. This has just been very stressful for us, and we were simply defrauded. This is clearly unlawful deceptive sales tactics and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with XXXX regarding Spring Oak Capital, a debt collector for XXXX XXXX  since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as a fraud based on identity theft and provided the FTC report with a letter of dispute sent to Spring Oak Capital debt collector to XXXX XXXX  to which I never received a response. I resubmitted the dispute because the year this account was opened, I was incarcerated with the XXXX  Department of Criminal Justice at XXXX XXXX XXXX from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX, and XXXX XXXX XXXX a debt collector fo XXXX XXXX  are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was incarcerated. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Money transfer, virtual currency, or money service

I am an XXXX and Good Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX TX XXXXXXXX has failed to make payment on a {$150.00} debt it owes my company XXXX XXXX and XXXX XXXX for XXXX XXXX rendered on XX/XX/2022. Multiple email communications between me and Good Mortgage have resulted in continued promises to pay, but no payment of the debt.
Product: Credit card or prepaid card

Around XX/XX/2022, I had a credit card balance of {$420.00} for the apple card.  I used another credit card to pay off that {$420.00} ( since they had a promotion ). This is the second time I have used this other credit card to pay off the apple card, and I only do it to pay off an entire balance. Two days later, I received an email from XXXX XXXX informing me that I was invited to their store to purchase a XXXX XXXX I decided I would use the card that Friday for the XXXX, and it was the only big purchase I made on that card. That Friday, I made the purchase which jumped the balance to $ XXXX on XX/XX/XXXX. Since I was buying it for a friend, he sent me most of the money, and I immediately paid off {$340.00}. The balance dropped down to XXXX XXXX. After waiting a week, I noticed that the balance stayed the same because of the payment I made on XX/XX/XXXX. So I called Apple card support the first time, and the woman said everything was correct ( no, it wasn't ). The second time I called, another woman said that the offline payment still needed to register and that I should wait until the end of the week XXXX XXXX  for an update. The balance didn't change, so I called a third time ; another woman on the line said the same thing and said she would escalate to her supervisor. I got an email days later stating that my balance was around XXXX XXXXXXXX and the balance shown was correct, which is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been bluntly disregarded multiple disputed letters, multiple method of validation letters sent in requesting a true and accurate thorough investigation on accounts on my credit profile. 

Per U.S. CODE 15 U S.C 1681 you do not have permissible purpose to report this said acocunt on my credit profile. 

Also, not only have I asked for a signed contract bearing my signature which you denied to provide to me on multiple occasions. That is a violation on my rights.
Product: Mortgage

On XX/XX/2020, I was contacted by a representative from Quicken Loans regarding a XXXX XXXX  refinance of my home. My current loan is as follows ... 30 year fixed, 3.375 %, approximately 140 payments remaining of $ XXXX, payoff approximately {$350000.00} ... This representative called me stating he saw that I had recently spoke with another Quicken Loans representative, but felt he could offered me a refi that would be to my advantage ... This guy offered me the following ... New 30 year fixed, 2.75 %, payments of $ XXXX, new payoff {$830000.00} ... He said all that my out of pocket expense would be {$300.00}, for an appraisal fee ... He then had a lady call me to e-sign the preliminary loan application ... The only thing that prevented me from going through with this was asking the 2nd person questions she was unable to answer ... At that point I asked to reschedule to XX/XX/2020, but I have a copy of the contract that they wanted to trick me into ...
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) regarding multiple disputed items on my credit report. On XX/XX/XXXX and XX/XX/XXXX, I submitted a detailed dispute letter identifying several inaccuracies, outdated entries, and unverifiable information. Despite this, TransUnion has not provided sufficient evidence or corrected the errors, violating their responsibilities to ensure accuracy and transparency. 

Disputed Items Bankruptcy Filing ( Case # XXXX ) : -TransUnion continues to report a bankruptcy filing without providing sufficient verification. 
-I requested details about the source of this information, whether it was obtained directly from court records or through a third-party provider. TransUnion has not provided documentation proving this bankruptcy is directly associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : -This account is reported negatively due to its inclusion in my alleged bankruptcy. 
-The information has not been verified or updated since XX/XX/XXXX, rendering it outdated and unverifiable under FCRA 611 ( a ) ( 1 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : -Similarly listed as negative due to its alleged inclusion in the bankruptcy. 
-TransUnion has not demonstrated the accuracy of this account or removed it despite my dispute. 

Closed Accounts ( XXXX XXXX XXXX, XXXX XXXX ) : -These accounts are reported as Closed by XXXX XXXX, which is XXXX XXXX 
-If these closures were initiated by me, I requested TransUnion update the remarks to Closed by XXXX, as required under FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX : -This account is inaccurately reported as included in my bankruptcy despite being removed from other credit reports for similar inaccuracies. 

XXXX XXXX ( XXXX XXXX XXXX ) : I do not recall authorizing this hard inquiry, and it remains on my report without verification. 

XXXX XXXX XXXX to Verify Information : -TransUnion has not provided sufficient documentation to verify the accuracy of the disputed items. 
-They have failed to demonstrate compliance with FCRA 611 ( a ) by verifying all disputed entries. 

Failure to Remove Unverifiable Items : Under FCRA 611 ( a ) ( 5 ), TransUnion is required to remove any information that can not be verified. Despite this, the bankruptcy and associated accounts remain on my report. 

Failure to Maintain XXXX XXXX : By continuing to report outdated or unverifiable information, TransUnion is violating FCRA 1681e ( b ), which requires maximum accuracy in credit reporting.
Product: Credit card or prepaid card

I had an amex card and decided I would pay it off. I went online into my account and made a complete payment and was told through online chat I was paid. I have never heard from this company again. Fast forward a year later i am trying to purchase a car and there is a {$13.00} balance on this card and 180 days late status on my credit report.

I have contacted AMEX and was told they can not take payment its too late and they will not remove the late charges. I have never been contacted once about this " late '' payment and was also told this was paid off. They also told me they charged me interest AFTER the card was closed which is not legal.

I would like to pay the {$13.00} ( if i have to ) and have the negative remarks removed off my account asap.
Product: Checking or savings account

Last year the bank closed my bank account and held an amount of {$21000.00} that the bank supposedly returned to the SBA/ Department of Treasury for a distributed SBA XXXX XXXX XXXX To date, the SBA has been looking for this money to be paid back by me with interest ; SBA claims that the money was never returned to them and that Capital One took the money, and on one know what the bank did with this money. In my eyes, some one at Capital one took my money and claimed that they paid it back to SBA. This a theft and the money should be returned to me to SBA with interest.

I had contacted the SBA to get a clarification of why they are asking for the money to be paid back when your institution supposedly returned it to them. I was told that the SBA had yet to receive the money. I asked the bank to provide me with a letter clarifying where the money went/was sent to or verifying that it was sent back to the SBA.

For your reference, I have attached a screenshot of the SBA loan statement showing the outstanding balance. I appreciate your prompt attention and assistance in this matter. I look forward to hearing from you at your earliest convenience.
Product: Student loan

In reviewing all my payments to Navient over the past five years I have noticed that my payments amount against the principal has fluctuated. I have never been late and I need to know why in various month the amount of going against the interest has increased. To be exact this has happened on 11 separate payments.