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

This complaint is against TransUnion, disputing their investigation results in regards to an account with an incorrect status. 

On XX/XX/XXXX, TransUnion was sent a dispute regarding an open account with XXXX XXXX XXXX and its incorrect status. During the month of XXXX and XXXX, I was denied credit through multiple financial institutions and upon looking at the adverse action notices, all the notices stated that the reason why credit was not extended was due to serious delinquencies that was appearing on my TransUnion credit report. Upon further investigation from my end, TransUnion was reporting my XXXX XXXX XXXX as the account with serious delinquencies and adverse information. This is due to the account not reporting payment information for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The months in question were months that the payment was deferred as agreed between the creditor and I. This deferment allowed me to remain current while also allowing me to skip the months payment which is why there is no payment information reported. 

An investigation was opened with XXXX XXXX XXXX and it was determined that they were reporting correctly as per our agreement and that they never reported the account as delinquent. TransUnion closed the dispute stating that the information they have is correct and the only information they updated was the account balance. In response to this, a consumer statement was added to my TransUnion report, however, the incorrect account information is still severely limiting my ability to get credit. Reports were pulled from XXXX and XXXX and both bureaus show the account as current/never late despite the missing payment information for the same months as stated. 

My account with XXXX XXXX XXXX has NEVER been late nor delinquent and has always been current as per the account terms and conditions and agreements set forth.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and I noticed some incorrect inquiries and not accurate. and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable laws and procedures required to assure the maximum accuracy of the information concerning the specific individual about whom the report relates. These inquiries and/or accounts are as follows : 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  and according to 15 USC 1681s-2 A person shall not furnish any information relating a consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

check the attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an error on my credit report reported by XXXX XXXX XXXX XXXX in XXXX XXXX, MI. It is reporting that I was late in XXXX of 2017 on my camper payment. I was not. The payment was sent electronically and posted to the credit union savings account instead of applying it to the loan. I have contacted the credit bureaus and tried to get it resolved. They just look at the payment history and do not read the notes so they continue to verify it as late. I have a letter from the XXXX XXXX XXXX XXXX saying the reporting is incorrect but they the credit reporting agencies will not change the late payment to current.
Product: Vehicle loan or lease

Purchased XXXX XXXX XXXX on XXXX XXXX car was registered and License in XXXX XXXX GA XXXX I had reach out to credit acceptance several time via phone and registred mail to requet that they forward lien holders title for the car and prior to submitting this formed I have not receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home in XXXX, Fl. in XX/XX/XXXX, the lender was XXXX XXXX XXXX ( XXXX ) and I was never late, never missed a payment. I had no issues, until the mortgage was sold/and transferred to another lender ( XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX continued to report to the credit bureaus on the account although the mortgage was transferred to XXXX XXXX, and I was then paying my mortgage to XXXX XXXX. XXXX reported to the bureaus, non-payments on the old mtg. account with them from XX/XX/XXXX through XX/XX/XXXX -- although I contacted their office, my attorney contacted them, and I wrote letters to the credit bureau, who tried to have them clear it-they refused. As of today ( XX/XX/XXXX ), the negative report from XXXX still appears on my actual credit report as a negative item impacting my score, and it is listed on the 3 bureaus that I have 2 mortgages ( XXXX and XXXX XXXX ), and the one at XXXX lists as 90 days late. Then, as I begin investigating this further again, writing letters to all the bureaus about the situation with XXXX and XXXX XXXX, all of a sudden XXXX XXXX began reporting me late on my mortgage payment with them, after I have had a 7 year payment history of on time payments with them, and no late payments, and a current account in the midst of this devastating pandemic. The bureaus have requested documentation/ proof from both of them, XXXX XXXX refused to change their report and so did XXXX XXXX and refused to provide proof. These are affecting my total financial wellbeing. The fair resolution should be that XXXX needs to completely remove their account from off my credit bureau report/clear the negative items for the 8 months that is listed -- which were after the mortgage was transferred over to XXXX XXXX XXXX Additionally, XXXX XXXX also needs to clear their negative report because my account with them is paid on time, and is current, and has been on time for the past 7 years. It has been a 7 year nightmare of with these 2 players in the banking industry, to try to correct the incorrect reporting of these accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation.

Regards, XXXX XXXX
Product: Credit card

Verve credit card I have a verve credit card with a {$1000.00} limit with Continental Finance, I have had this account for 1 year, and I pay {$35.00} a month through automated payments set up through my bank checking account. I have never been late making a payment. On XX/XX/XXXX, Continental Finance made an unauthorized deduction from my bank account for {$130.00}, instead of the {$35.00} i normally pay. XX/XX/XXXX {$170.00} was deducted from my bank account without my authorization. I called Continental Finance and they said that I had a late payment so they deducted {$130.00}. I filed a complaint to the XXXX XXXX XXXX  On XX/XX/XXXX I received an email from Continental Finance, stating that if i pay 75 % of my bill of {$740.00} they will close out my account and my bill will be resolved, and I had to respond by XXXX  and If I did not respond to their offer then {$200.00} would be deducted from my bank account as a regular payment and my account would stay open..I responded before the deadline and agreed to pay off my credit card balance and I told them I would pay {$270.00} in 2 payments for a total of {$550.00}, by the deadline of XXXX XXXX XXXX XXXX XXXX  they made an unauthorized deduction of {$200.00} from my bank account. I called Continental Finance and told them we had an agreement and they were not supposed to deduct any money from my bank account, and I also asked about the amount owed because the email they sent me said stated my balance was {$740.00} but my credit card statements said I owed {$540.00} for the month of XX/XX/XXXX. I asked them to send me an email confirming the agreement that we made and also with the correct amount I still owe. The person ( XXXX ) told me that my account was already closed so he couldnt send me an email. I checked my account online and it was still open and I never received any notice stating my account was closed. I did receive a letter in the mail saying there was suspicious activity on my account so they had to cancel my credit card. I have not used that card at all for over 6 months or more, but my XX/XX/XXXX statement shows a transaction made for {$41.00} but it doesnt show where or what exact date of the transaction. 
I have paid this credit card in full already, I do not owe any money, but they keep adding fraudulent charges to my credit card account and deducting unauthorized money from my bank account. I want this account resolved with a XXXX balance and closed. On my statement for XX/XX/XXXX and XX/XX/XXXX it shows {$0.00} credit available but online it shows {$1000.00} credit, I do not have any credit card statements reflecting the amount of {$740.00} owed as stated in the email I received from them XXXX XXXX
Product: Credit card

In XXXX of 2023, I noticed XXXX fraud charges on my account. XXXX was reversed immediately, and the other still shows on my account. I have disputed the charge, and they sent me a new card. They told me that they were investigating the charge. In XXXX of 2023, the charge was removed, only to be put back on a week later. They have told me not to pay the balance as it will be removed. I have talked with multiple people with Citi, and they all said it will be removed. It is still there and now has interest and late fees attached. I called today and was again given the runaround about this and told that the department that handles this ( the XXXX Department ) is unavailable. I do not have any faith that they are going to fix this, so now I am turning to here for help. 

XX/XX/year> : Hotel at XXXX XXXX XXXX for XXXX XX/XX/year> : Hotel at XXXX XXXX XXXX for XXXX
Product: Student loan

On XX/XX/XXXX I received an email that my student loans were qualified to be XXXX due the school defrauding students I waited two years which today is XX/XX/XXXX only so see no movement o have been in contact with my loan servicer who had advised me The XXXX XXXX XXXX has sent them an email that my loans weee approved for XXXX on XX/XX/XXXX. And since then nothing has happened contact the Borrower Defense hotline only to be told they handle people who put in an application and my loan were part of the class settlement
Product: Mortgage

We applied for a Mortgage Loan with LendUS starting XX/XX/2020 and we gave them everything they asked for and now it's time for our XXXX payment and they told us that we have to wait 15 days to sign loan documents which will make us have a late payment on our current mortgage. We asked why does it take 15 days when everything is complete. They told us Purchases take priority over refinance loans. That seems like discrimination to me. Whether purchasing or refinancing we both are customers so why are we treated differently. I just don't think it's right. Please advise.
Product: Debt collection

This is in response to XXXX, attached is a federal trade commision report as well as a rescission notice and documentation of full faith in credit that I have from the federal government that will be used in the litigation process. I do not care for the vehicle nor the fraud that was placed on my consumer report I do not wish to retrieve the vehicle that was unlawfully stolen from me. I have zero interest in going back and forth about you all stealing my property due to a billing error on a extension of credit pursuant to 12 cfr 1026.13. I will be seeking monetary compensation for the damage that have been done. You all arent in compliance of regulation z, and regulation f. I hope you all understand the severity of the nature of this issue. I do not wish to be contacted via non written communication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is incorrectly reporting late payments. XX/XX/23 : Dispute reason : " nder 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late. '' XX/XX/23 : " Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please see attached screenshot of Loan paid off before XXXX with XXXX dollars due. Update Account to NEVER late. '' A letter was faxed to XXXXXXXX XXXX  on XX/XX/23. Showing over 10 errors in the account reporting. They did not fix any of them. I had to call for them to even respond to the request for fixing the account. I attached proof to XXXX XXXX No payment was ever 30 days past due. They CHANGED NOTHING. XX/XX/23 : Dispute reason : " XXXX - XXXX - Under 15 US Code 1692f ( 1 ). Unfair Practices- Please Delete Immediately '' XXXX XXXX just moved late payments around. They were never late. They were not 30 days past due date. I have tried disputing this with all bureaus. Please look at all letters sent to show the errors in the report. Please pay special attention to the letter sent DIRECTLY to XXXXXXXX XXXX. This has prevented me from getting a mortgage. I sold my house with the intent to buy another one directly after, but they have caused financial harship. I have even started the process to try and file civil claims for FCRA violations. Please update to PAYS AS AGREED, NEVER LATE.
Product: Credit card

Citi is charging interest after the Final payment was made on time and account was at XXXX balance for at least 4 days as you can see in the statement attached. Citi states they charge interest 30 days late. I never had to pay interest on any card after the final credit card balance was paid in full. Citi is calculating that total amount as if the account was not paid by the due date then adding that after payment as the interest charge. 

I called Citi 3 times # XXXX was hung up on after being put on hold # XXXX spoke with XXXX in XXXX, was put on hold for XXXX minutes after asking f or a supervisor, then hung up on # XXXX spoke with XXXX then transferred to supervisor XXXX in XXXX. he stated he can not remove interest, and that I signed the agreement so I requested that agreement that is signed.
Product: Credit reporting or other personal consumer reports

I've tried several times to contact FIRST PROGRESS about removing what have been reported to XXXX on XX/XX/year> of a balance of {$540.00} but haven't been able to reach anyone because nobody can reach the back office by telephone. I've written XXXX letters since XX/XX/year>. This account has been closed and fully paid. This needs to be reflected to the credit bureau as zero balance and closed.
Product: Credit card or prepaid card

I've reached out to contact you about the late payments on my capital one credit card. I do not recall making any late payments. Please send me the information you have on file for me validating the many late payments on my credit report. This information needs to include, the statement backing to when the account was open, the address on file for this account, the person on file for this account, and contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This relates to a closed creditor 's account : XXXX XXXX XXXX XXXX  {$9800.00} XXXX. I have been notified by Equifax of the alleged guilt above. Pursuant to 15 USC 1692a, Congressional Findings or Declaration of Purpose, I hereby inform you that I am suffering XXXX and financially as a result of your fraudulent conduct with intent to harm. Equifax and its representatives pestered me about alleged debts that weren't even confirmed nor verified. Equifax provided a statement and a copy of the consumer contract as evidence of guilt, but according to XXXXXXXX XXXX XXXX a copy of XXXX XXXX 's consumer report is not sufficient evidence of debt. Equifax has not respected my privacy rights under 15 USC 1681 a4. Equifax failed to meet their responsibilities ; they were partial, and unfair. Equifax had no valid purpose under 15 USC 1681 b2 I never directed you to write this report, nor did I agree with it in any way.
Product: Debt collection

According on my record on XX/XX/XXXX. I had agreed to a offer {$500.00} dollar credit line with the company Name XXXX and XXXX is associated with XXXX. The company XXXX continue Offering me more credit line Increase because I was good Customer with them and I was making payment on time with them at all cost. According on my record at that time was legal married and was able to make good amount of payment. {$120.00} a months during that time On XX/XX/XXXX I had filed for a divorce  that was being processed and that lead for me to not pay the account. I had spoken to XXXX multiple time over the phone about my Account and reason why could n't make any more pay on this account. 

I had explain to XXXX that I was on SSI XXXX since a child and that only source is SSI XXXX. XXXX made Agreement with me over the phone to pay XXXX dollar a months but I was paying more interest rate them lowing my balance down that is {$2900.00} that I would never finish paying up this account under SSI XXXX. XXXX also to me that account XXXX  account because I could n't make any payment on it and left it that way. 

By Federal law and against my right the company XXXX never informed me that they was going to transfer this debt to a collection agency. The New Name of Collector our Forster , Garbus & Garbus Attorney 's Law XXXX XXXX XXXX XXXX, NY XXXX XXXX. 

I had informed the company stop harassing me in regard this debt over the phone or by mail because I have an XXXX child to attend to and do n't have time for there harassing me by taking me to court if I do n't pay the amount own filed a judgement against me for the balance I own to XXXX. The mostly company was doing hanging up the phone with me because I refuse to give them my last two digit of my security number and also summit yesterday a fax number they had provide to me and number # XXXX I can not afford to pay this debt own please help me for them to stop harassing me because it cause stressful and pain in my life or I will filed law sue against new collection agency Forster , Garbus & Garbus attorney law if they do n't leave alone and continue harassing me or threaten me by mail. This as being my second complaint with XXXX or XXXX. the old complaint is XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I bought 5 tickets to fly from XXXX to XXXX in XXXX with my credit card of Chase. I bought the fly tickets from XXXX. I payed the total amount of {$4300.00}. 
The airline canceled our tickets. XXXX the travel agency refused to refund, they told me that I have to contact XXXX. XXXX, told me to contact XXXX. So, I called to my bank, Chase, they requested documents, proves etc, that I provided to them. I received my refund, but one month later, they refunded back to XXXX half of the refund. So, now Chase refuse to return my refund. So disappointed, about Chase service! I am still fight to have my refund.
Product: Checking or savings account

I opened a business checking account with Bank of America on XX/XX/2022. The account was for my sole proprietor business. When I was opening the account, there was an offer for opening this account. The conditions of the offer were that I had to open a business advantage checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, deposit {$20000.00} into the account within 30 days ( I deposited this amount by check at a financial center on XX/XX/2022 ), and maintain the balance for 60 additional days. I satisfied all these conditions, and I didn't have a business account with Bank of America within XXXX XXXX of opening the account, which was also a condition of the offer. The offer was not targeted to any specific person, was available on the Bank of America website ( I opened my account online through the link in the website ), and by the terms, it was available for everyone. I have attached the screenshot of the offer terms, and of the application page. There was a bonus offer code needed, and I put that in as well, as can be seen from the screenshot of the application page. The offer promised to pay {$500.00} once the conditions were met. There was no fixed timeline of when that {$500.00} would be deposited, but only a vague promise that Bank of America would 'make every attempt to give me {$500.00} within 60 days '. Technically, it hasn't been 60 days, but I'm making this complaint to bring it to your attention that I haven't received the {$500.00} despite meeting all terms, nor was any confirmation sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX woman who worked very hard to purchase my first home. I also worked very hard to qualify for my interest rate of XXXX XXXX I made all of my payments on time for over a year including extra until XXXX. I found myself with my job 's hours reduced and thus struggling to make my monthly payments. I never fell behind. I applied and was approved for XXXX XXXX XXXX program through the state of Ohio. They agreed to pay my mortgage from XX/XX/XXXX through XX/XX/XXXX. Around the first part of XX/XX/XXXX, I contacted my mortgage company to inquire about the payment and mentioned if that payment was not made, I wanted to make it because I did not want my credit to be impacted. The mortgage company assured me that while I am in the program the mortgage company is not able to report late payments to the credit bureaus. Since I have been placed in this program, I am unable to view my account online, I am no longer able to make any payments on my account to protect my credit and the mortgage company has been reporting my mortgage as late for the last 3 months. My credit score, that I worked very hard to maintain, has tanked XXXX points. If I had known that this was going to be the outcome, I would have just worked more jobs and not asked for help. At the end of the program my credit is going to be shot. I would like some help in getting my credit report corrected. I have asked the mortgage company to do the things they say they are going to do and correct my credit report. I have gone through the credit bureaus and disputed the late payments, and the mortgage company is obviously stating they are accurately reported because they are never removed or updated. Please help me correct this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX INACCURATE INFORMATION MUST REMOVE IT
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXXXX/XX/XXXX