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

On XX/XX/XXXX we called XXXX XXXX  ( XXXX  ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with Comenity about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XXXX of XXXX but they told us not to bc it was their error! ) has left us unable to get approved.
Product: Debt collection

the XXXX as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX XXXX, XXXX XXXX I received a response from the TransUnion regarding the validity of a bankruptcy that is being reported on my credit report. I have sent in multiple letter regarding this public record on my credit report. XXXX, XXXX, XXXX i also received a response from TransUnion regarding the erroneous item on my credit report, each time the item came back as " verified ''. I've asked how the item was verified the only response I have got was the item was " verified ''. up on further investigation on WWW.TransUnion.COM/LEGAL/PUBLIC-RECORD. 

Based on the information I gathered on the website it was " XXXX '' that furnished the erroneous item to TransUnion. This was taken directly from TransUnion 's website " For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX I then again contacted XXXX about the bankruptcy reporting on my credit report and there respond was " the item is not on my consumer report ''. Now I'm lost for words. 
Based on TransUnion 's website, XXXX reported that unverified information to TransUnion. The date my credit report was updated by TransUnion was XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

As you are aware, the FCRA requires that all information reported to the credit bureaus be accurate, complete, and verifiable. Specifically, Section 605 ( a ) of the FCRA mandates that negative information such as charge-offs can not be reported for more than 7 years from the date of the original delinquency. Additionally, under Section 607 ( b ), you are required to ensure that the information you provide to credit reporting agencies is accurate and up-to-date. 
I am particularly concerned about the fact that the charge-off on my account is being reported on a monthly basis, which is misleading and unfairly impacts my credit score. The FCRA prohibits the reporting of the same charge-off month after month when the event itself ( the charge-off ) has already occurred. This behavior can lead to a misrepresentation of my creditworthiness and is not in compliance with the legal guidelines set forth under the FCRA.
Product: Debt collection

It was during XXXX and XXXX XXXX time period, when I was going through severe hardships in my business and a new born, pilling medical bills and was not able to pay on time. The company is asking me to pay some amount which I am totally not aware of. 

CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$51.00} Tried reaching out to them a few times and they are not willing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been a MAJOR problem, and due to their multiple errors, my mortgage company can not get a credit report, despite that I have spoken with one of their reps >2 weeks ago. When I applied to get a better mortgage rate, I tried to log onto my TransUnion Account. It all seems to involve credit report locks, which I placed myself, and have been able to remove temporarily using the apps. Now that doesn't work. It failed to recognize my answer to a secret question ; which never changed. After a lengthy phone debacle, I finally reached a rep, who reported that she would unlock my report, and would send info on resetting my question. That email never came. I called again, and was instructed how to change my password, which they said would fix the problem. I couldn't get to that point, because it still requested the secret answer. After yet another call, I was told that it should react that way, and she wanted me to try again. It STILL didn't work. On yet another call, I was told that I would need to set up another account. I did so, but now I can't access that account either. I was also told that the account WAS unlocked, but due to a fraud alert, the lender would need to call me. The bank confirmed again that the account was locked. When I try to recover my log in info, it doesn't recognize my SS # and last name. I have tried to retrieve the log-in info ; but it ignores name, SS #, etc. I have spent approx 3 hours with this dysfunctional system, and can't even cancel my account. I have been on the phone > 1 hr today, and am now 40 '' on hold. The back documented that TransUnion Still has blocked my credit report, now >2 weeks since I was told that it was unlocked. I can't refinance, because TransUnion is not responding to multiple attempts for assistance thru multiple numbers, with logging on, or to cancel this damaging service. 
I finally got a live person, but was dumped when being transferred, 55 minutes LOST. Nothing was done. 
My credit is being held hostage by this dysfunctional system that prevents me from cancelling.
Product: Credit reporting or other personal consumer reports

Once again Venture One with Capital One refuses to update the balance on a timely basis which is over 30 days. 
XXXX XXXX is showing {$640.00} and they still show it at XXXX which is double what I owe and is effecting us applying for a home loan. 
Please update this and I plan to close it after its paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this accurate account in collections twice and have been provided no information to support the claim even though Experian says they have performed an investigation and received supporting information. This alleged information has not been provided to me and can not be considered accurate and true if I do not have access to review, verify and provide a rebuttal. No supporting evidence has been provided and my case has been closed twice. This is harassment and unacceptable practice from a credit bureau. It is impossible to dispute inaccuracies if I am not provided with the information given to Experian. This is entirely non- tramparent and I will pursue legal action if not resolved.
Product: Credit reporting or other personal consumer reports

I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The chapter that was filed is incorrect and the Dates is incorrect, And the status of it is incorrect. I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The XXXX  is Ref # XXXX
Product: Mortgage

I had a miserable experience applying for and being approved for a mortgage loan with Ameris Bank. Ameris discriminated against me based on my race, and the banks actions ended up costing me {$7700.00} in total. I worked with a rep named XXXX XXXX who treated me differently after I scanned in a picture of my ID and she saw that I was a minority. I was called kiddo, and threatened to be XXXX by XXXX after she was aware of the color of my skin and my race. XXXX flat out lied to me and told me my debt to income was too high to do XXXX XXXX ( XXXX  ) FHA loan. She told I would do the tradition FHA with Ameris. I explained that I know she was being untruthful because I calculated my own DTI ratio and was under the requirements for XXXX XXXX. I was told that I had high levels and that my deal was a long shot and its not her fault. I asked her to send me what she was telling me in writing so I could have that information for my records. She reiterated that I would not and did not qualify for XXXX XXXXXXXX but she would send it anyway. I later asked her to be removed from my loan. During closing, I was pushed back on 4 separate occasions. Ameris led me to believe the delays were due to my finances, or another party involved, when at closing, it was determined that the delays were caused my Ameris bank. I was told I was cleared to close and my closing date was confirmed in writing by Ameris on XX/XX/XXXX for XX/XX/XXXX at XXXX which caused me to take off from work. I was told the next day that I could sign paperwork but the closing would actually be on XX/XX/XXXX due to the bank having their information wrong. I am leaving an apartment that was due to be sublet at move out saving me 3 months of rent at {$2300.00} per month. Because Ameris delayed me so many times after purposely misleading me about the loan that I qualified and was eligible for, my tenants ended up signing a lease and securing living arrangements elsewhere. I ended up having to take off another day from work putting my job at risk to accommodate Ameris after giving me misinformation about the status of my loan. I feel as though my closing and mortgage application process wasnt handled fairly due to me addressing concerns with the bank about a clear violation of my rights and how it has impacted me financially.
Product: Credit card or prepaid card

Hi, Citibank act ending XXXX, with customer reference # XXXX has conacted me via phone and now thru this letter stating I havae previously enrolled in a credit protection an optional debt protection program for a monthly charged fee. 
However, I have n't had a citibank credit card in the last 10 years. I am concerned because 1- I never signed up for a citibank credit card and I never signed up for this protection plan. and 2- I am concerned that someone trying to be me is using my info and has established my identity. Can you please see what this situation is about. I don ; t feel comfortable giving any of my info to citibank. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are unauthroized accounts on my credit report that I did not authorize. opened without my knowledge XXXX ( {$18000.00} ) XXXX Bank ( {$1100.00} ) XXXX ( {$5600.00} ) XXXX ( {$11000.00} XXXX XXXX XXXX XXXX {$400.00} )
Product: Bank account or service

I have had a checking account with Suntrust Bank for approximately ten months. Over a month ago, I lost my debit card associated with this checking account and reported it lost. The customer service agent told me they would cancel that debit card and send me a new XXXX in about a week. A week later ( approximately ), I received XXXX new debit cards with XXXX different numbers, separately, by mail. I tried to activate both of them. XXXX would not activate, with a message saying the card was invalid. The other did activate, so I continued using that XXXX when I made debit card purchases. 
Over the next month, I noticed that online transactions that I had authorized using the old debit card I had reported lost, continued to be put through my account. Some examples included online memberships, like XXXX, as well as some trial magazine subscriptions. I wondered how they were being processed, because I never updated these companies with my new debit card number. XXXX transaction for {$90.00} for a year subscription to XXXX XXXX was put through my checking account using the old debit card number from the one I had reported lost. I called the customer service of the bank to dispute this debit card transaction. The agent put me on hold to investigate, then came back on the line to tell me that there were XXXX debit cards associated with my checking account. In other words, the debit card that I had reported lost was never cancelled, and transactions that I had previously authorized on the lost card, like online memberships, etc, were still being put through my account. 

The customer service agent gave me a hard time about disputing the {$90.00} transaction for the subscription to XXXX XXXX and it took nearly a week for me to get a {$90.00} credit applied to my account. The bank is considering the transaction as a case of FRAUD against my bank account and has sent me an affidavit form to fill out for a case of fraud against my bank account. 

This was not a case of FRAUD, as I reported my debit card lost nearly a month prior to that charge. This was a MISTAKE by the bank -- -- they never cancelled the lost debit card and continued to authorize transactions on it. 

I am reporting this because these are serious mistakes made by this bank. And for this reason, I will be closing my accounts with Suntrust Bank.
Product: Credit reporting or other personal consumer reports

This is really worrying and have caused me sleepless nights as I am a victim of identity theft, and my personal information was used fraudulently, resulting in items on my report that I was never involved with. Following Experian 's instructions, I filed a report with the FTC and submitted it ; however, these fraudulent items still appear on my report.
Product: Credit reporting or other personal consumer reports

Transunion will not remove lift my credit freeze after calling and trying to do it at my transunion service center account. I can't get a car loan due to their refusal to comply with the law.
Product: Debt collection

I have obtained my consumer reports and seen 3 collection accounts on it from Wakefield and associates. The amounts shown on these accounts are {$1000.00}, {$1000.00} and {$430.00}. I am making you aware that my consumer rights is being grossly violated, for one, I do not know how this company obtained my consumer report as I have never done business with them, I don't have any express agreement with this company and or this alleged debt is not permitted by law which violates 15 usc 1692f ( 1 ). Secondly I have the right to priavcy and it is abusive invade a consumer privacy pursuant to 15 usc 1692 ( a ). I don't know how my private information get in this company hands but I am demanding that this company cease and desist communication with me through any and all means this is including communicating with the consumer reporting agencies pursuant to 15 usc 1692c. I am also demanding that you send a valid proof of claim, this includes but not limited to all book keeping entries and and ledger on the account so I can verify this account.
Product: Credit card

I had a card opened in my name without my contest or acknowledgement from PNC bank
Product: Student loan

XXXX XXXX XXXX : XXXX College XXXX -- XX/XX/XXXX GraduateMy private student loans are being handled by Navient. I owe XXXX figures in student loans after spending XXXX years at XXXX College XXXX. I have not been able to afford my loan payments since losing my full time job in XX/XX/XXXX. Before that, while making payments and trying to catch up on missed payments Navient would call myself, my Mother and Father starting at XXXX sometimes more than XXXX times throughout the day. This went on for months. Even once having caught up to my loan payments and missed payments, they would still continue to call us daily to " remind '' us of the approaching due dates. 

Now, fast forward a few months ... they only call XXXX times a day, even though my work situation has not changed and I have informed them of this multiple times. I can not afford my student loan payments working a part time job and still continue to pay household bills. 

Today, Navient began calling family members and friends of mine I had n't seen in years telling them they had a " job opportunity '' for me and to get in touch with me to contact them. This seems absolutely ridiculous to me that they 're reaching out to people I rarely even talk to and bold face lying to them. If this is n't harassment, I do n't know what it is. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was never late on this account in XX/XX/XXXX XXXX 

I was reported to the credit bureaus as having 1 late payment and I have attached proof so you can see that this account is being reported inaccurately. You can see that this account is being reported differently across all three credit bureaus as well. Look at how all the information is different.

This is a violation of the FCRA Section 623 and also a violation of the Fair Credit Billing Act. This has really dropped my credit score and I need it fixed ASAP. 

I applied for an auto loan with XXXX and this hurt my interest rate because of the late payment.
Product: Credit card or prepaid card

On or about XX/XX/21, I made a purchase in the amount of approximately {$4400.00} from XXXX XXXX. An associate suggested we open a XXXX XXXX credit card to get 10 % of the purchase back that could be applied to future purchases made on the card. 
I asked for clarification regarding whether there were any limits to how this could be applied, including whether we had to spend at XXXX XXXX or certain stores. I was told no, that we could apply this to any future purchases. 
This was apparently false. 
I called XXXX XXXX and they said the rewards can only be applied to spending with that or their related brands. Which is not what I signed up for ; I was specifically NOT interested in that, but only in an option where the 10 % back could be applied to ANY future purchases made on the card. 
Had I been given accurate information, Id have not opened the XXXX XXXX card, instead made the purchase on an existing card, and benefitted from my preferred awards. 
XXXX XXXX offered no resolution whatsoever, and has taken zero accountability for providing this false information.
Product: Checking or savings account

On XX/XX/2021, I received an unsolicited letter in the mail at my home address from " MoneyLion ''. The envelope flap was sealed poorly and easily opened, it contains a MasterCard debit card in my name and a " Welcome to XXXX '' single page promo. On back of the page is a " Direct Depost Form '' with a deposit account number and routing number for an account with " XXXX XXXX XXXX Account ) '' with a signature field, that can be detached. I believe this account was opened in my name against the Law, since I have no prior business relationship with either MoneyLion or XXXX and never applied to open deposit or credit accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX  US DEPT ED ( Several Accounts ) XXXX XXXX ( Severe.I Accounts ) XXXX XXXX XXXX XXXX HXXXX XXXX XXXX  There are also several inquiries that should not be there either XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was 
complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account # : XXXX XXXX. Account # : XXXX Bankruptcy Reference # : XXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.