23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There is a XXXX credit card opened in my husbands name XXXX with my ( XXXX ) birthdate and social security number. I received an email that XXXX of my credit cards with XXXX XXXX was late. I called right away, because we have a few cards with them to ask what I had missed, XXXX Ive always paid and always been on time! After speaking with the person the card was submitted as fraud ( this has been over a year ago ). The person told me that there was a charge for XXXX XXXX XXXX. I told her I have never bought potpourri and I live in Ohio! Weeks later I received a letter stating they had closed this account and it was fraud! Over a year later I received another email stating my credit card was late?? Again I called. It was the same credit card that they had already closed a year or more ago due to fraud! I explained the situation to them. I was confused on when I had received the letter but explain THEY closed it due to fraud. They asked again if I remembered charging for potpourri and now they claimed there was an additional charge on the account but the amount was still {$190.00}??? I said this was already taken care of, and was closed due to fraud after you investigated it. Now they are saying there were XXXX charges ( neither I recognized ). I advised that I called a long time ago ( over a year ago ) and this account was closed after they investigated it and sent me a letter stating as such. I dont believe I have the letter anymore. I explained when the first person I spoke with they stated there was only XXXX charge for potpourri for {$190.00}. I told them the other charge was never mentioned to me and I still dont know it! They now reported this credit card in my husbands name with my birthdate and social security number to a credit reporting agency called XXXX XXXX?? Or something by that name??? Our information was in a security breech over a year and a half ago??? I called and spoke to a supervisor who said she would have to resubmit this for fraud again???? I asked how they couldnt see in their records why this credit card was closed??? No answer. Ive never missed any payments on any of my XXXX XXXXXXXX CARDS WHICH HAVE A MUCH HIGHER BALANCE!! Why would I let a {$190.00} XXXX go to a credit reporting agency???? I dont know whats going on with XXXX XXXXXXXX BUT BEWARE if they send you a letter that your account was investigated and closed due to fraud by XXXX XXXX keep that letter!!! I XXXX have the latter somewhere but I probably threw it away because as far as I was concerned it was closed and done!!! Maybe because people are hurting for money XXXX XXXX is trying to make up for it this way??? I dont know but please be careful when dealing with this company!! I will NEVER open another credit card with XXXX XXXXXXXX AGAIN!! Plus how did they open it under my husbands name and my social security number and birthdate??? SOMEONE IS NOT DOING THEIR JOB!!!!!?
Product: Credit card or prepaid card

COMPLAINT AGAINST XXXX  CARD On XX/XX/XXXX, I paid {$150.00} as monthly payment to my XXXX card account and on XX/XX/XXXX, I paid {$180.00} being my balance on my card.After processing the deposit of {$180.00} my balance was XXXX in terms of payment and my credit card balance was XXXX XXXX.Since that date there was no further transaction on my part. In XXXX I noticed a charge for a late payment of which I confronted them over the telephone. They explained to me that I did make any payment on XX/XX/XXXX which of course I did. Later they withdrew {$15.00} late payment of which they have already taken {$35.00} as late fee. What about the remaining $ XXXX I also saw another charge of which I asked them and they informed me, it is the yearly charges. I disclosed to them that since I paid all my balance, I have not engaged in any transaction so why charge me yearly charges at that time. I asked them to show me previous dates that I have been paying the yearly charges but they could not provide me the information. I later received a mail from them that I have a new balance of {$150.00} and that I should pay a minimum payment of $ XXXX that I should pay today XX/XX/XXXX XXXX.Yesterday I then checked my account online and saw changes that are quite different from the mail I received. On my online account I now have a new balance of XXXX and that I should pay $ XXXX on XX/XX/XXXX.Why the sudden changes? Why the information in the mail is different from the information that is on my online account. So between XX/XX/XXXX when I paid up everything with my balance standing at $ XXXX to now XX/XX/XXXX without engaging in any transaction, my credit balance is XXXX want to close this account but I want a clear explanation as I am totally confused. I am referring my case
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to state that Upstart is being inconsiderate, I have always been a loyal if not outstanding customer. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year, and I was over a month late in XX/XX/2018 ( payment reported as 30-59 days late ). Also, I had been carrying a sizable balance for several months but as I am writing to you now, I am in the process of paying of the balances on my Upstart account. their records will show that I had never been late with a payment until this unfortunate oversight. 

The reason for me to be off the schedule to make the payments is that I got married in XX/XX/2018 ( Proof of Marriage ). As a result, I travelled out for my honeymoon for a few days, having expected to be back in time to take care of my payments. Unfortunately, During the few days honeymoon, my wife fell very Ill and could not come back as planned. I wish all was well in our Honeymoon and had come back in time but now its too late for me to go back in time and fix the situation. This was not entirely my fault as I was not around to make payment. Were it not for this set back, I could have maintained my perfect record. I can assure you it wont happen again going forward. 

The reason for writing this letter is that Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. 

As a long-time customer in good standing, it would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment from my file that was reported in XX/XX/2018. 

Thank you for your consideration, and I hope youll approve of my request. 
I am attaching my travelling itinerary and marriage certificate for your reference.
Product: Credit reporting or other personal consumer reports

I applied for home insurance with XXXX and was denied based on information LexisNexis Risk Solutions XXXX XXXX provided them on a file they maintain on me. I have on XXXX occasions requested a copy of the file/information supplied to XXXX by LexisNexis, and all three times, they have denied my request. I have written them twice and completed their online application. As requested, I have provided them with my Texas driver 's license, social security information, full name, and date of birth. 

" LexisNexis response : Unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' The information I submitted to XXXX for the home insurance is what I provided LexisNexis. How can they respond to XXXX and give a report but can not provide me, the consumer, with a copy of that information?
Product: Credit reporting or other personal consumer reports

My credit report lists inquiries I did not authorize. Kindly delete all unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion customer service would not help and take care of the negative inquiries reporting on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Checking or savings account

Someone unknown entered our account and began making transfers to another account at another bank. 

**Total amount of money defrauded : {$11000.00} Associated phone : ( XXXX ) XXXX Associated email : XXXX Account number : XXXX Routing number : XXXX First fraudulent transfer : XX/XX/XXXX Last fraudulent transfer : XX/XX/XXXX. The SAME day we realized what had happened we called the bank. 

That is, for a little over a month they took money twice a day ( normally from Monday to Friday ) in amounts that were around {$240.00} ( $ XXXX approx. ). 

CHASE claim number : XXXX The bank itself tells me that they have identified the recipient as : XXXX XXXX XXXX and even the terminal from which the transfers were made : XXXX Despite the fact that they have so much information and that they are notified THE SAME DAY that one of the last transfers is made, they do not lift a finger to refund any of the money. 

We await your news as we are outraged by the treatment received.
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 USC1681. 
XXXX XXXX XXXX-dismissed XXXX ~XXXX XXXX XXXXdischarged XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX  XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - XXXX ~XXXX XXXX  XXXX XXXX ACCOUNT XXXX ~XXXX  XXXX - ACCOUNT # XXXX ~XXXX  XXXX - ACCOUNT # XXXX ~XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX - ACCOUNT # XXXX ~XXXX XXXX ACCOUNT # XXXX ~XXXX - XXXX ~XXXX - ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 1681 s-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, credit repair services, or other personal consumer reports

My unofficial credit reporting application XXXX  shows that my student loan was listed as delinquent in XXXX on the XXXX. It was immediately thereafter listed current on XX/XX/XXXX. 

I am on an income driven plan and due to issues with the recertification plan, it shows that I missed payments. 

None were actually missed, once all issues were resolved with the loan group, and I would like to see that removed.
Product: Credit card or prepaid card

Claim Number : XXXX Claim Date : XX/XX/XXXX Claim Amount : {$780.00} plus fees {$4.00} ( totals to {$790.00} ) To whom it may concern, I am a XXXX XXXX XXXX girl, who recently started working a few months ago aXXXX XXXX and was left with no money on XX/XX/XXXX. This is very painful for me and is causing me to stress out because we are a low income family and my father is XXXX. This money is very important for me. 

I noticed I received a few notifications stating my money was being withdrawn from my Skylight XXXX account. I quickly logged into my Skylight XXXX account, that I received from my employer ( XXXX ), to see what was happening. By the time I opened my phone, I noticed a total of two transactions had occurred that ended up totaling to {$790.00}, which was most of the money that was in the there. I quickly locked my card to try to stop the transactions from happening but it was too late. My money was stolen at a XXXX located in XXXX XXXX XXXX, CA. The majority of the places I had withdrawn money before was at XXXX XXXX XXXX on XXXX XXXX XXXX 

The first withdrawal occurred at XXXX PM on XX/XX/XXXX with a total of {$500.00}. Before they even took the {$500.00}, my balance was checked by this individual resulting in a {$1.00} " Balance Inquiry Fee '' plus the {$1.00} fee I was charged for the transaction. 

The second withdrawal occurred at XXXX PM on XX/XX/XXXX with a total of {$280.00} plus the {$1.00} fee I was charged because of the transaction. 

Both of the transactions that were made above were made in the same location, in XXXX XXXX XXXX, CA. I reached out to Skylight XXXX the XX/XX/XXXX and made a claim to report that my money was stolen. This is the first interaction I made with the Skylight XXXX, and I was told they were going to open and investigate the case. Skylight XXXX froze my account, and until this day I do not have access to my account. I can not even withdraw the money I currently have in there. The dispute was supposed to be available on XX/XX/XXXX but that never happened. 

The second time interacted with Skylight XXXX was on XX/XX/XXXX, to call and see what was going on with my case because they never called me or emailed me that day. I was told they were not going to be sending me my money back that was stolen. The letter I received from them stated that " we found no error occurred and that the transaction ( XXXX ) above are valid. '' Which is completely wrong, since I did not make the transactions. From the employee 's voice, it seemed my case was not fully investigated. 

I live in XXXX, CA and I do not even have a license to drive, so it is impossible for me to even be in XXXX XXXX XXXX, CA. The little money I make is enough for me to survive. This situation is causing me emotional distress because Skylight XXXX does not want to give me my money back, and they are not letting me withdraw money that i currently have in my account. 

They can check the time and location the money was withdrawn, and prove it was not me. I am sure banks have cameras. I worked very hard for this money, and it is completely unfair for Skylight XXXX to not want to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to complaint # XXXX-XXXX. 

I received a phone call few months ago assuring me that hell take care of the account and remove all the late fees, interest charges and any transaction that is not recognized or considered fraud. 
Its been a long time that I never received any response nor did anyone contact me. And my account is still on hold. I dont use the credit card anymore and I was wondering if I could close the account. Recently I called Bank of America to close my account but I was told that I cant close it until I receive a message that the problem has been resolved. Two weeks has passed and I still havent received any response. However, I see a few more late fees and interest charges added. It's also affecting my credit. Im sick and tired of Bank of America and the liars employed in the corporate office. Id request you to please urgently help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score ( FICO ) went from XXXX in XX/XX/2020 to XXXX in XX/XX/2020. I would like a valid reason why there was a 25 point drop in my credit score since nothing on my credit report has changed from XXXX to XXXX. 

Except for the complaint against Experian I filed in XXXX with the XXXX. 

Trying to contact Experian is a challenge of long waits on the phone only to be relocated to someones mail box. They say a dispute can be completed online only to find out you have to contact them my phone.
Product: Credit reporting or other personal consumer reports

I am writing to you to address the ongoing issue of your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically concerning the refusal to remove unverified account information from my consumer file, which is a clear violation of FCRA Section 616 and Section 617. 
Upon reviewing my TransUnion credit report, I observed the follow discrepancies where accounts previously investigated and deleted by XXXX who has already removed all accounts associated with the following agencies but however are still being reported by TransUnion. I wish to emphasize that I am prepared to pursue litigation to uphold my rights under the FCRA. To prevent such action, I insist on the immediate deletion of all unverified accounts listed below, accompanied by an updated credit report reflecting these deletions : Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Enclosed with this correspondence is evidence demonstrating from XXXX the deletion of these accounts. It is imperative that you rectify this by promptly deleting these accounts to ensure the accuracy of my credit history. 
Despite multiple written requests, the unverified items outlined below persist on my credit report, with your re-investigations affirming their purported accuracy without providing adequate verification. Verification, as defined by XXXXXXXX XXXX XXXX XXXXXXXX, necessitates confirmation through affidavit, oath, or deposition to assure the veracity of statements. Your failure to produce verifiable proof indicates a lack of substantiation for the disputed accounts, thereby obligating you to promptly delete them under FCRA Section 611 ( 5 ) ( A ). Acknowledged that I have presented substantial evidence by furnishing a police report and FTC report detailing the contested accounts, underscoring the gravity of the matter and underscoring the urgency for prompt resolution. Additionally, under FCRA Section 1681n, individuals are subject to civil liability for willful noncompliance, with damages potentially reaching {$1000.00} or more. 
Regrettably, your persistent disregard for legal obligations compels me to consider legal action under FCRA Section 616 and Section 617 to seek relief and monetary damages if the unresolved items are not deleted within 10 days. Additionally, copies of this letter and previous correspondence sent via certified mail, along with proof of delivery, will be submitted to the Consumer Financial Protection Bureau and utilized as evidence in potential litigation should this resolution offer be ignored.
Product: Credit card or prepaid card

Made several.XXXX  purchase that arrived damadged I contacted XXXX and they stated I need to return the merchandise to them..I requested returns fir the damadged merchandise was approved and merchandise sent back via ups. Weeks have gone by and no refunds were given. I contacted XXXX which stated that they did infact issue refunds for merchandise which would bring my card balance down to XXXX  dollars. Since no credit was issued I tried aeverall times tp contact my credit card company to no avail I have waited on the line for three hours the first time 2 hours the second time and 5 hours the third time only to be disconnected. Im trying to dispuite these charges and can boy get through to anyone. I have documented that all merchandise has been returned to the merchant and I'm entitled to a refund.
Product: Debt collection

On XX/XX/2016 this company had someone to contact me about a complaint I had filed about me having made three payments on one loan within 30 days, because of bad information which had been provided by their staff. XXXX held himself out to be the Associate General Counsel for Check Into Cash , Inc., XXXX, TN, XXXX Store. After, further checking with the Tennessee XXXX, which proved this individual was not licensed to practice law in the state of TN, as is required for any one holding themselves out to be a General Counsel. Once I informed this company of that information, the matter was turned over to the store manager, XXXX, a person who did not in my opinion have the legal skills to entertain my complaint. Since then, XXXX has denied any truth in my statements and has repeatedly refused to attempt any settlement of closure on the matter. In my complaint I alleged that their staff lied about my eligibility for another type of loan based on a credit score obtained by them of 880 and the staff instructed me to first pay the current owing balance off. I paid it off that same day, but was denied the new type of loan and then told I could only get the same type of loan that I had just paid off. So, I took out that loan, because if I did not, I would not have had any money. I was told the computer had made a mistake. I said if it has made a mistake now, then how can I be sure it is not making a mistake at this time, too. I said I do not trust your computer or the advice of your staff. So, this made me have to make three payments in a 30 day period, cutting deep into my fixed income from Social Security retirement. I believe this is a normal practice of this type of pay day loan business in XXXX, TN. I did not ask to qualify for the loan they volunteer to enter my information in their system then told me I qualified and showed me the amount on the form. But, when I came back to get that amount I was denied it. They should be further investigated for fraud as I believe many low-income individuals are being targeted and taken advantage of, especially seniors and others on a fixed income. This is still an on going matter and I wish for immediate closure. I have requested of XXXX to waive the loan balance and she has repeatedly disagreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my right . 

15 U.S.C. 1661 Section 602 A state I have the right to privacy.

15 U.S.C. 1661 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I closed my account with Chase Credit Cards on XXXX XXXX 2016. I spoke with a representative by the name of XXXX and asked her to mail me a letter verifying that I requested this close. I also asked her to make sure it was " frozen '' in a state on no interest until I paid the balance in full. She confirmed this. In XXXX I made a regular payment then on XXXX XXXX I called in to pay my balance in full. I was upset that they never sent me a letter and logged the closure as their doing thus effecting my credit score. However, I asked the representative to give my my balance in its entirety. I paid this over the phone via my checking account. Verified again that it was paid in full and closed and was told YES. Three days later I received a bill in the mail for {$10.00} INTEREST charge!!!! I called in on XXXX XXXX 2016 and spoke with a manager who said they could do nothing ... it was interest and the representative is not responsible to calculate this when I am asking to PAY MY BALANCE in FULL immediately????? I do not feel this is proper business practice and feel they need to eat that interest since it was my request from XXXX to close and freeze the account!!
Product: Debt collection

I noticed several accounts on my credit report that seem to have been added without my permission and are inaccurate. Please remove and block these fraudulent entries right away.