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

On or around XX/XX/XXXX Citi Card ( Thank you Card ) sent my bank an e-bill of {$2600.00} when my balance was only around {$610.00} and some changes, on XX/XX/XXXX I've contacted my bank and was told Citibank sent them an e-bill ( electronic request ) for the amount of {$2600.00}. After that I contacted Citi Card customer service, and requested the refund, I was told it would help in 3 to 5 days, I made clear that money was allocated for other bills and needed it ASAP, they said they would expedite it, but nothing happened. 
I have called 4 more times, phone call and electronic calls ( chat services ), nothing happened, and finally today, once again I was told it will take 3 to 5 days.

This is a business relationship, I pay fees if I'm late, i pay interest on balances, this is not a family or friend favor. 
They have been misleading and about the process, always excuses and never a solution.
Product: Credit card or prepaid card

To Whom it May Concern, We are almost exactly a year into a catastrophic pandemic where over 500,000 Americans have died of Covid-19. Maintaining financial stability and good credit are paramount to surviving a cruel and mismanaged federal response. So it was to my great surprise that Discover sent me an email on XX/XX/2021 that stated my {$8000.00} credit line was being canceled, and my account would be closed. 

" As a result of a recent review of the Discover it card account referenced above, we have reduced the credit line on your account and it will be closed within 30 days from the date of this letter.

This action will be taken for the following reason ( s ) : Inactivity on your account ( s ) Serious delinquency Time since delinquency is too recent or unknown '' I contacted Discover on XX/XX/XXXX to contest the cancelation, in which they told me the decision could not be reversed. They followed up on XX/XX/2021 with a phone call from a supervisor who confirmed it would not be reversed. 

The " serious delinquency '' was a student loan that ( unbeknownst to me ) was not covered by the CARES act and went a few months unpaid. As I am unemployed ( due to the pandemic ) I resolved the issue with the student loan lender by deferring payment, but they refused to reverse the derogatory mark. This has created a cascading effect, where several of my credit lines have been attacked. XXXX XXXX attempted to reduce my XXXX credit line. Now Discover. What's next? 

The " inactivity '' was me trying to be frugal in an incredibly stressful period in AMERICAN HISTORY. I didn't use the card, because I feared getting into debt when there is limited income. 

This decision by Discover is unreasonable and needlessly destructive to my credit, in a time when uncertainty is incredibly high. To kick those who are down, who have played by rules, and are just trying to survive is borderline criminal. Something must be done. My credit score has plummeted 150 points overnight. These credit card companies must not be allowed to continue with their tone-deaf policies. And rhis must be happening to millions of other Americans. It's not right.
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft and noticed several credit card accounts on my credit and I noticed some unauthorized accounts on my credit report. The following accounts are due to ID Theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

WELLS FARGO BANK CAR with high balance of {$2200.00} is not mine. Identity theft. Issue was brought up with the company 4 times already without a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my new Experian report dated XX/XX/XXXX, I have an inquiry on my credit report from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, CT XXXX, and dated XX/XX/XXXX that I do not remember seeing on a report before. To the best of my knowledge, I have never done any business with XXXX XXXX XXXX at any point ever.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/2024 regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information.

The creditor, XXXX XXXX XXXX XXXX XXXX has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the XXXX timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. 

XXXX XXXX XXXX XXXX XXXX Date of Incorrect Late Payment : XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted XXXX on XX/XX/XXXX. By XX/XX/XXXX I was admitted into the hospital. I am very lucky to be alive as I suffered from XXXX for my whole life. I was eventually released from the hospital and sent home for quarantine. I was out for 60 days and lost my job. I had a reoccurring payment returned for insufficient funds on XX/XX/2020. I wasn't made aware of the insufficient funds payment when it happened otherwise I would have had someone deposit for me. Having said this I contacted XXXX  and explained to them the situation on XX/XX/2020, caught the payment current and requested a Goodwill Adjustment due to extenuating circumstances caused by XXXX XXXX, the pandemic. They told me over the phone it would be no problem. I recieved a response back from XXXX on XX/XX/2020 denying my request. I then disputed it with Experian, XXXX, and XXXX and was also denied because they said XXXX verified the account. Having said this, I am requesting that the account 's late payment be updated to current under The Hereos Act Section 110401.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX 2015 i accessed my free credit report and noticed a Medical bill. I have disputed the bill every mmonth since then 4 times. XXXX and XXXX removed the innaccurate collection. XXXX is still reporting that i have a collection. I have called Account Resolution Services multiple times and asked them to validate the debt and provide more information which they have not done to date.
Product: Credit reporting or other personal consumer reports

I spoke to XXXX from XXXX XXXXXXXX XXXX number XXXXXXXX XXXX payment that was due on XX/XX/XXXX the payment was made on XX/XX/XXXX which wasnt 30 days late. We need the 30 late removed immediately
Product: Checking or savings account

Had anemployment scam hit me. The " company '' I was working for were supposed to be attorneys and would service various industries but mainly CPA firm. When this company paid me initially, it was via a check which was returned to the maker. Nothing was given to me, just that it was gone. Since the scammer had my banking info ( set up direct deposit via their time card app ), they informed me that I would have a wire sent to me. The next day I had two transfers from inside the bank. The scammers told me to take {$3000.00} of the money to purchase XXXX  for a client and the rest was to pay my wages. After doing as instructed, the transfers were returned leaving me {$6000.00} in the negative. I immediately contacted my bank who closed the account and told me not to worry that they would handle this. Unfortunately, the new account they set up for me and had my direct deposits from my employer was closed by the bank as well. The bank then accused me of making the transfers and basically demanded that I pay all of it back when I was the XXXX scammed and already lost thousands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a collection/chargeoff in the amount of {$8700.00} on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX  partial account number XXXX. I was away on an extended trip to California and it was during this time my roommates illegally subleased the apartment without my knowledge and/or consent. When I returned I found the apartment empty and all of my belongings were missing. I had spoken with the apartment complex manager and due to circumstances out of my control, I had no choice but to vacate the premises. I had no furniture ; dishes or clothing. They agreed that this was an event that was out of my control. Consequently, this collection/chargeoff does not belong to me and should not be reporting on my credit report. I have contacted the bureau to remove this line item from my credit report however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Virginia Laws Dear CREDIT MANAGEMENT LP, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Virginia Code 18.2-186.3.

It has unequivocally come to my attention that CREDIT MANAGEMENT LP has engaged in unauthorized
reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Virginia state law, specifically Virginia Code 18.2-186.3, emphasizes the necessity of consumer consent for credit reporting. This law establishes clear guidelines for the fair reporting of consumer credit information and underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CREDIT MANAGEMENT LP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CREDIT

MANAGEMENT LP immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Virginia Code 18.2-186.3. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Virginia state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDIT MANAGEMENT LP will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

This is a fraudulent debit card charge to my bank account. I contacted the bank on XX/XX/2002 and advised them that this was not my charge and I was disputing the amount. Thereafter, the bank credited back the amount charged by XXXX XXXX in the amount of $ XXXX also personally went to the XXXX XXXX and talked to the manager and he said he would get it straightened out. A letter was received from TRS Recovery Services on XX/XX/2002 stating that I owed this ; on XX/XX/2002 I replied with a letter to TRS advising that this was a fraudulent charge. See attached.
Product: Credit card or prepaid card

I have had the XXXX XXXX XXXX for over 17 years and chase just closed it in XXXX for no reason at all and never contacted me about it. 

I am currently looking to purchase a home and my credit has dropped by 30 points for no valid reason except that they closed my account. 

I have never been late to make a payment for 17 years and the card has been in good standing and this action by a big bank is hindering my homeownership dreams. 


The reason I have not been using the card in the past year is in order to reduce my debt to income ratio so I can purchase a home. Otherwise I have always used the card. 

I want chase to reinstate my card at the original terms ASAP so I can continue be able to purchase my house with good credit.
Product: Mortgage

filed s previous complaint # XXXX Shellpoint Mortgage Serviving. 
Shellpoint responded explaining what they could do and how shellpoint sent me an authorization to sign then they responded laying out what they would do. 
They did nothing the credit agencies reported for XXXX day and removedany thing to do with Shellpoint. Shellpoint is messing with our lives ourcredit reports this is causing a rollercoaster with our creditscores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first seen a late payment reported on my report late XXXX of 2021. A credit card payment from XXXX XXXX XXXX reported as late. Days prior that I made the payment as usual on the date and time that it was due. I went into a XXXX XXXX XXXX and spoke with a representative about the payment reporting on my credit as late when it wasn't. The rep said I had no late payments and I need to contact the bureaus about the incorrect information. I called the bureaus and advised about it which they concluded I needed to send a dispute letter via mail. On XX/XX/2021 I sent them a copy of the bank stating that I didn't have a late payment reporting on their end. I called a many times and had a hard time getting a hold of someone and if I did I was disconnected or hung up on by the bureaus. A month after no updates, I sent another letter after having another late payment report for both XXXX and XXXX. The 2nd letter I sent express and the bureaus still till this day say they haven't gotten anything from me. I'm tired of being patient for them to remove the 2 lates that the bank says are NOT late, off of my report. I need help please I don't know who I can speak with about this matter at this point. I understand bureaus are busy and may make mistakes but I do not want false information reporting to my report!! It should be against the law to have no say in false info on something as vital as my credit report! I'm burnt out please help
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 


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 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

We have been cleared to close since late XXXX but the mortgage and title company have been unable to arrange a closing, many closings have been scheduled only to be cancelled either at the last minute or after we have been waiting for the people to arrive or even 6 hours after the scheduled closing making no sense ... we are now going to have to incur additional fees from Wells Fargo to update our appraisal and the like even though we have agreed to at least 8-10 closing dates which they have failed to show up for - and we are upset about the title company incurring any more fees - we have even had title attorneys calling us yelling at us for the closing getting cancelled because the title company did not communicate with them ... and on top of that we have had to allow more credit reports to be pulled lowering our credit since the prior ones expired given how long the closing was taking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Debt collection

To Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Acct XXXX XXXXXXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Product: Bank account or service

Key Bank closes branch. When I go to open a new account at another bank, I learn they had another account under my name I knew nothing about or authorized. They listed it as Account Abuse on XXXX, Consequently I can not open an account anywhere else. They listed my address on this account as my neighbors so I never got any calls or correspondence. I did business at this bank for 20 years and never had any idea they were doing this to me.
Product: Payday loan, title loan, or personal loan

This secured/installment loan account with Conn Appliances INC has been closed and charged-off since XX/XX/2018 in the amount of {$3200.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX XXXX XXXX XXXX account number XXXX open date XX/XX/202, that was not reporting accurately. i had one late payments on ( XXXX, XXXX  ) an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # 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.