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

This is a follow-up to XXXX, with further evidence to support the concern that XXXX XXXX dispute department may be engaging in practices which could reasonably appear to be deceptive. 

Today I received a call from a member of this department named XXXX ( sp? ) and when I returned her call she refused to speak with me. 

My general concern is that Fidelity may be contacting consumers in ways that allow them to claim that they initiated a contact, but that they are contacting consumers in ways that make it impossible for consumers to actually communicate with them, thereby saving them time and making it impossible for consumers to actually resolve the disputes they have initated with merchants. My previous experience was with a member of this department named XXXX who would call and then simply hang up. 

The calls at issue originate from XXXX. People can not be reached at this number. When this number is called, a recording plays which mentions US Bank and XXXX XXXX XXXX but makes no mention of Fidelity. This too strikes me as potentially deceptive.
Product: Credit reporting

XXXX 2014 unpaid for {$37.00} I have never had any XXXX Service in my life please fix this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number XXXX XXXX XXXX XXXX XX/XX/XXXX2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$240000.00} XXXX XXXXXXXX Balance : {$240000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out on XXXX XXXX XXXX XXXX XXXX XXXX to Equifax, XXXX, XXXX. But still no response from Bureaus nor anything by mail showing verification of accounts. 
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 my account without written instructions. 
please provide me with the accuracy of my accounts as this unlawful and hindering my report or I will sue the following bureaus.
Product: Credit reporting or other personal consumer reports

I checked my score yesterday and it had gone from score of XXXX in XXXX to score of XXXX as of XX/XX/XXXX. Nothing has changed in my situation for such a dramatic drop. I have a XXXX XXXX XXXX protection service, where i receive alerts related to my credit and I also get credit report and score from Equifax. I did not receive any alerts at any point on any inquiry or change in my credit. I called Equifax and after going through their verification process, they told me that I have the score of XXXX because I have no loans or credit cards reported on my account to determine my creditworthiness. After the phone call when I checked my score again on XXXX XXXX, it was showing " not available '' for my Equifax score. I requested a score and report from XXXX and XXXX and they both show a score of XXXX on their reports. The history is identical to what Equifax has. This morning my score with Equifax was back to score of XXXX. I called Equifax again today, XX/XX/2024, and received similar response that they do not have enough credit history to provide a score. I asked why does it have to show XXXX instead of not available. I further explained that I do not have any debt, any loans or credit cards. Equifax representative on the phone stated that the scores start from XXXX, so score of XXXX means you have no score. I am still puzzled why no credit history gives me a score of XXXX, instead of stating no score available? My latest job requires security clearance and my appointment is pending passing the clearance. Among different things they also look at my credit history and score, I do not want Equifax 's latest change of how they are reporting the score to jeopardize my livelihood. Thank you. I will be happy to provide additional information as needed.
Product: Credit reporting or other personal consumer reports

The company name is Chime. My issue is that they are not reporting to the credit bureau the updated information on my credit builder account and really hurting my score. 

Context : I originally opened an account with for their debit card offering because in order to get their credit builder charge card ( " credit card '' ) it is mandatory to get the debit card first. Furthermore, on top of having to open a debit card you have to send at least {$200.00} USD from your paycheck into the account to active the credit builder charge card. 

Product description : Their credit builder card is supposed to act similar to a credit card in regard to the credit reporting features, however it really is a debit card. Its a hybrid card because it has the debit card capital use with the credit card billing and reporting. So you transfer money from your debit card into a separate escrow deposit account where the credit builder charge card can use to make payments. The catch is that you are subject to their billing cycle from the XXXX of any month to the XXXX of that month. If you do not " pay '' before the XXXX then the XXXX of the next month they will report your outstanding " balance '' to the credit bureau. In reality there is no balance and no amount owed because its your own money! their is no access to debt! 

Situation : The first time I had a " balance '' reported was on XX/XX/year> with {$400.00} USD total outstanding. Since it is not a true revolving line of credit there is no credit limit so that credit reporting agencies determine credit utilization in their grading so it showed a credit utilization of 990 %!!! I immediately called to understand what was the issue because I obviously assumed based on their advertising that my balance would automatically be paid off every month ; logically since it is my very own money. Why would I want to have anything outstanding on a charge card? Anyways, so I called to fully understand how their product really works. After that they told me that I could opt out of the automatic XXXX billing and manually pay of front. I have done this and they have failed to report my payment history and updated " balance '' which is now {$0.00}. The latest results I have on my credit report is still an outstanding of {$400.00} with no credit limit therefore still a credit utilization of 990 % since XX/XX/year>. 

Problem : It is now XX/XX/year> with the same data since XX/XX/year>. This is really hurting my credit score and quite frankly I just want to clear this erroneous information and close out from this card. It is clearly not useful for what I thought it would be. I just want this issue resolved and fix my credit report. This really looks so bad on my score and it is not even real. It was my very own money and there is no debt owed and it is obviously not true that I have 990 % utilization! 

Solution : Tell the company to report my updated credit history and have them correct the errors for the past 3 months!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter to all 3-credit bureau XXXX XXXX XXXX and Experian regarding the inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel I'm being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report if it's been over 30 days and so, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me.

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
Product: Debt collection

Reviewed my  XXXX  credit report dated  XXXX   XXXX ,   XXXX   and  Portfolio Recovery Associates  ( PRC ) reports an original balance due of {$850.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.   4. This information erroneously appears on all  (   XXXX   )  credit reporting agencies and I have asked  XXXX  to dispute such claims with no response from PRC.   5. As such, all such information should be deleted from all  (   XXXX  ) credit reporting agencies.    XXXX   XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My draft wasnt coming out but all the messages I received on there website claimed it was coming out I wasnt contacted about it until after XXXX days of being late no calls emails etc I was assessed several XXXX and late fees do to this I spoke with XXXX XXXX # XXXX he lied to me about his badge number XXXX so I told him I would trace the call so hopefully that is a badge number he first said they tried to reach me by email and then claimed they called XXXX when I asked if I produced my phone records and proved they never called he said I could send it but the decision was already made and I wouldnt be refunded. He refused to let me speak to his supervisor and said that he word was finall. I should be reimbursed for the fees and XXXX charges this company lied and keeps lying even when you have proof. I tried to produce emails and phone record to prove they never called they still wouldnt do the right thing and reverse the fees they just continue lying At this point its not even about the money its about the principal that a company would continue to lie and not try to correct their wrongdoing. Im assuming the webpage is automated and automatically said payment received even if it wasnt but waiting XXXX days to tell me payments werent going through and its close to being sent to collections and having to pay XXXX  months all at once to keep for going to collections because they neglected to inform you and there own website claims payment received. Never use XXXX the loan rate was average but customer service was horrific its by far the worse company Ive ever dealt with the is my first time reporting a complaint but its the principal they know they did wrong and lied and refused to correct it even when you can prove they didnt call email or try to notify you until after XXXX days and almost too late to pay I honestly believe they were hoping it would go to collections so they could use it as a tax write off
Product: Debt collection

Upon reviewing my credit report on XX/XX/year>, across all major credit bureaus, I was alarmed to discover a negative collection entry attributed to a company called RADIUS GLOBAL SOLUTION, claiming an outstanding balance of {$110.00}. To my knowledge, I have never engaged in any transactions or received services from this entity, nor have I ever encountered them before. This revelation has caused me significant distress and concern, particularly given my current circumstances. 

As a single woman pursuing a XXXX 's in XXXX, I am already facing various challenges in balancing my studies and financial responsibilities. Without any external support, every penny and every financial decision greatly impacts my ability to sustain myself and continue my education. I have diligently managed my finances, striving to address any debts incurred, particularly those accrued during the COVID-19 pandemic, without seeking government assistance.

In light of these circumstances, I humbly request your assistance in rectifying this erroneous collection entry promptly. Deleting this unfamiliar and unjustified claim from my records would alleviate undue stress and allow me to continue my financial efforts unimpeded. I am committed to resolving any legitimate debts I may owe, but I implore you to consider the gravity of this situation and extend your support in resolving it favorably. 

Your understanding and cooperation in resolving this matter are greatly appreciated. Please feel free to contact me should you require any further information or documentation to expedite this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name 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 three negative credit items outstanding debt now. 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 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 XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now
Product: Credit card

Discover card offered a lower plan for a year on a large balance but would not continue to go beyond the 1 year. The interest rate is impossible to recover from the credit card debt is XXXX but the credit card balance is {$27000.00}. 

I asked them for the refiance and i have XXXX credit scores and they will not. 
I am asking one last time and plan to close this account after the results if not positive.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring attention to an egregious violation of my consumer rights by EQUIFAX and XXXXXXXX XXXX My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws. 
Details of the Complaint : 1.The timeshare account is unauthorized and was reported without my consent. 
2.It is inaccurately classified as a mortgage, which I do not have.

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare.

15 U.S.C. 1681i ( a ) : They have not promptly corrected this false information.

FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information.

FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting.

Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts. 
The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive. 
Gramm-Leach-Bliley Act ( GLBA ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act.

Failure to safeguard consumer data and ensure it is used solely for authorized purposes.

Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness.

Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress. 
Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights Thanks for your attention to this issue, I hope it can be resolve as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax and XXXX have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, please help
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX -- XXXX XXXX XXXX XXXX- ORIGINAL CREDITOR- 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 An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

Account XXXX has previously been deleted from my credit report due to inaccuracy and now it has reappeared on my credit credit which is affecting my life financially. Both XXXX  and equifax has different information about the same account.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on XX/XX/2024 from XXXX XXXX XXXX via XXXX XXXX
Product: Debt collection

Over the past 1.5 years I have attempted to get information about the debt Im accused of owing. J have requested a detailed breakdown of all Charges on this account. I received a response with only a amount owed without any type of clarification of charges. Only a bill! This is not right and they are still not removing it off my credit report. How can they do this without proof of purchases and/ or charges? Also when I received the information on account it was late by at least 15 days. Now they are calling me? Weekly /daily. Why are they doing this to me? I just want to get the statements of all purchases I supposedly charged. And the authorization to do so? Give me something to work with for XXXX  sake!
Product: Debt collection

A debt collector ( Security Credit Services ) with whom I have never engaged in business is reporting debt on my credit report. The debt collector never contacted me in person, by telephone, or by mail before placing two collections on my credit report. That is a violation of my rights. I want these collections removed from my credit report.
Product: Checking or savings account

I deposited a check for XXXX and then the account that the XXXX came from was closed so the funds were returned. Once the check was returned my account went on hold as has been on hold since XXXXXXXX almost two weeks ago. I have been trying to resolve this issue with Chase for the last ten days, they tell me I have to call this one lady XXXX at XXXX but she never answers it goes straight to voicemail and I never get a call back. I spend on average one to two hours a day with Chase trying to resolve the issue, I am getting late fees and all kinds of charges because I can not pay my bills, Chase is also saying I cant even close my account and get access to my funds until XXXX has resolved the issue.
Product: Credit card

As Requested : My reservation # was XXXX for {$2.00}. The vendor has now purged the receipt from their website. I am suppose to be protected against fraudulent charges. The XXXX needs to pull the reservation number from the vendor XXXX I sent a portion of the receipt which was not accepted. I did not agree to the {$30.00} charge nor did I sign for it. I agreed to the {$2.00} charge. The vendor fraudulently added an additional {$30.00} to the charge. I have made numerous attempts to work with the vendor to no avail. The Credit Card Company has the documents that I have submitted to them. I also included my XXXX XXXX XXXX which gives me entry into all XXXX XXXX. I discussed the situation with the XXXX XXXX and was told that I should not have been charged for the {$30.00} XXXX entrance. The {$2.00} reservation charge is valid. i am not contesting the {$2.00} charge. 

Subject : XXXX XXXX XXXX - XXXX - {$1700.00} Dispute a Recognized Card Charge Navy Federal Response XX/XX/year> : Thank you for using Navy Federal 's eMessaging Service. We have received your documents and upon further review they are not sufficient to move forward. We are happy to reopen your dispute claim for review with the following documentation : Acknowledgement/receipt from the merchant regarding a credit or refund. 
Full copy of receipt as the email confirmation provided does not contain any information to identify it with the merchant. 

You may attach your documents to this eMessage. We look forward to your reply.

The Credit Card Charge Disputes is available Monday through Friday, XXXX XXXX pm XXXX. If you have any questions, please send us an eMessage or you may call us at XXXX. 

Sincerely, Credit Card Dispute and Resolution