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

Pursuant to the FCRA, it is TRANSUNION 's grave duty and responsibility to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT doing so. TRANSUNION is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include the reporting of 120 days past due on XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consume report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. Furthermore, I did NOT give TRANSUNION written XXXX permission to furnish the inaccurate late payments on my report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). IT is VERY VERY clear that TRANSUNION has violated my rights under the FCRA and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

CHILD SUPPORT XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$33000.00} ; XXXX XXXX XXXX OF XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with PNCBANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and PNCBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX   XXXX, NJ XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Recently I opened Citi priority account through phone with a personal banker on XX/XX/XXXX, during the phone conversation I confirmed my mailing address XXXX XXXX XXXX XXXX XXXX XXXX twice and also faxed my credit card statements with correct address information to the application team. Then I received email stating that my card was mailed to XXXX XXXX XXXX XXXX XXXX XXXX. 
I called this team ( phone # XXXX XXXX on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX and requested to update the address to the correct one. Each operator was providing the different information to me - XXXX the operator kept saying they can not update the address and need to submit it to the personal banker and get his approval or something like that. 
XXXX the operator said will submit the request XXXX the operator said she saw the request and will send follow up email XX/XX/XXXX the operator insisted they can not update the address within 30 days, but when I mentioned it was a mistake caused by their team, and there should already be a request, he said he will follow up with the request and I should receive the email when it's updated. 
XX/XX/XXXX and XX/XX/XXXX both operators confirmed the request and asked me to follow in 1- 2 business days to make sure both street and apt numbers are updated. 
XX/XX/XXXX the first operator asked twice what's my questions, when I repeated twice it's regarding the update status of my change of address, he put down the phone and kept me on hold without any word. I had been waiting for few minutes and hung up. 
the second operator was rude and arrogant I requested to speak with the supervisor and file a complaint. She said they don't have any supervisor and they are the only team for account application. I then requested to close my close immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 a.1.a : States that any item that's being disputed must come off my credit report.
Product: Checking or savings account

ON XX/XX/XXXX I WENT TO ATM MACHINE AT PNC BANK ON XXXX XXXX, XXXX, OH. I ONLY HAD A TOTAL OF XXXX IN THERE, OF WHICH I WITHDREW XXXX LEAVING ME A BALANCE OF XXXX. I DISCOVERED TWO HOURS LATER TWO TRANSACTIONS FRO XXXX TOTAL XXXX WERE REFLECTING ON MY PNC CHECKING ACCOUNT. THIS IS IMPOSSIBLE, I HAVE A RECEIPT SHOWING WHAT WAS DISPENSED, AND THAT ONLY ONE TRANSACTION WAS MADE. THE MACHINE HAS CAMERAS, THE BANK HAS THEM AS WELL, AND NO ATM MACHINE IS GOING TO DISPENSE XXXX TO A PERSON WITH ONLY XXXX IN THERE. THEY REFUSE TO LOOK AT THIS, REFUSE TO FIX THIS, INSTEAD TELL ME I WILL BE PUNISHED FOR THIS AS IT CANT BE DISPUTED FOR 14 DAYS, AND IN THE MEAN TIME I WILL ACCURE NSF FEES DAILY, AND MY FUTURE DIRECT DEPOSITS WILL BE TAKEN AND APPLIED TO THE DUAL WITHDRAW THAT NEVER HAPPENED. THE SECOND TRANSACTION HAPPENED PER PNC 12 SECONDS AFTER THE FIRST ONE. I AM LIVID, I HAVE BILLS TO PAY, I AM NOT PAYING FOR SOMETHING THAT NEVER HAPPENED! I DEMAND MY ACCOUNT FIXED APPROPRIATELY, AND MY CREDIT I HAVE OF XXXX TO GO BACK TO MY ACCOUNT RIGHT AWAY.
Product: Credit card

I got some calls from Synchrony regarding my XXXX furniture account. It turns out my scheduled payments had run their course and I was 2 weeks XX/XX/XXXX. I told the man on the phone that I wanted to pay XXXX and he pressured me to pay XXXX as well. I asked if I had incurred a late fee and he stated " You were late on your payment so obviously there was a late fee. '' I said that I would pay XXXX and XXXX right then if he could waive the late fee. He then stated that IF I paid even more money THEN he would see if he could waive the late fee. I repeated back to him to make sure that I understood. I asked him " So, if I pay more than I owe for XXXX AND XXXX then you might be able to waive the late fee? '' He stated yes, that if I paid a total of {$100.00}, only {$11.00} more than my XXXX and XXXX combined payments, then he could waive the approx. {$37.00} late fee. I repeated back to make sure that I was really understanding him ... .that if I paid MORE than the two payments then he would waive the fee?? He stated that yes, it was better for my account ( ma'am ). I truly did repeat again and he stated yes, that it was better for my account and that I COULD pay just the {$89.00} but if I paid {$100.00} then he would waive the approx. {$37.00} late fee. Ultimately I said I would log in and pay the {$100.00} when I got home ( I was driving ) and he then made me promise that I would pay the {$100.00} and then, once my payment was received, the late fee of {$37.00} would be removed from my account. I have actually NEVER had this kind of negotiation over a late payment / fee and especially where I was being told that I had to pay not only my XXXX missed payment ( it is XXXX XXXX today ) but ALSO my UPCOMING payment AND some extra in order to waive a fee because " it was better for my account ''. ( I only owe just over {$600.00} on the card ). 

Is this legal? it seems like it should not be. 
Thank you. XXXX
Product: Credit reporting or other personal consumer reports

A double payment was misprocessed from my bank to Capital One for the amount of {$870.00}. The problem was that the payment went through twice. This caused me to be negative for my bank account. It also caused me to be over the limit with my credit card. This should not have happened. I spoke with several people to try to resolve this issue. I was told that I would get a call by Capital One after 7 days of an investigation. This did not happen. After 9 days, I had to call back to get some sort of response. I was told by one agent that the problem would be fixed. It was not. I had to call back again. When I did that time, I was told that it could not be electronically sent to my bank. It would have to be mailed as a check instead. Because of this, I was dinged on my credit for non-use of my card. This was because I was over my limit. This was due to incompetent employee performance. This was not my fault. I could not use my credit card because of this. 

I was dinged on my credit again for another reason having to do with employment incompetency, and I believe it may have had to do with my balance. The problem is, none of this was my fault. I tried to reach out to resolve this and Capital One was not very helpful. 

Later, I contacted the XXXX. Capital One did have a supervisor who reached out to me and declined to fix my credit because they reported it correctly. I have to agree. They did, in fact report it correctly. Addressed was the employment incompetency and misinformation that I was given that led to having to be reported to begin with. None of this necessary reporting was due to any error on my end. 

Ultimately, I would like to see an adjustment in some way shape or form to my credit because I have worked very hard to get my score up from a very low one. 

I believe that Capital One should hold some accountability for this issue. I understand, however, that they can not lie regarding reporting inaccurately. Their reporting was correct. The employment incompetency that led to it to begin with was utterly disgusting. Please look into this.. I have done much to try to resolve this over several months.
Product: Credit reporting 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 confidentialities under 15 USC 1681. 

Accounts : # XXXX, XXXX XXXX XXXX XXXX XXXX the amount of {$1100.00} for XXXX XXXX. XXXX. XXXX. 
AND # XXXX, XXXX XXXX XXXX in the amount of {$1000.00} for XXXX XXXX XXXX XXXX 
has violated my rights. 

15 USC 1681 section 602A. States I have the right to privacy.

It also states, in section 2 that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 604, A. Section 5 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681 S 2 ( A ) ( 1 ) states 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 in accurate.
Product: Student loan

I have requested a loan refund on XX/XX/2022 and was told that processing will take around 150 days. I requested for any confirmation that my refund will be processed however, they said there's no confirmation that they can give me. I called again in XX/XX/2022 and to get an update on my request and they said it is still going to take the 150 days from when I called on XX/XX/XXXX. No other information was given to me other than the fact that they said it might be refunded in XXXX. 

No confirmation about my request, and the long processing time is unacceptable considering that other loan services have provided confirmation/refunds less than the 150 days processing time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I applied for a " {$1.00} '' credit report with Experian ( my customer # is XXXX ). This required a monthly credit monitoring service which was adverstised as my being able to cancel it at any time. I called to cancel immediately. They have been billing my bank account monthly ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) for {$29.00} since. They have offered to refund only one month 's worth 'as a courtesy '' as they have no record of the phone call- which I did make. I would like my other two months refunded as well- as I cancelled the same day I enrolled- but they refuse.
Product: Credit reporting or other personal consumer reports

I was stunned to find incorrect accounts on my credit report this afternoon, and I cant understand how this happened. I regularly monitor my report, but suddenly, there were inaccuracies Id never seen before. I even tried refreshing the page, hoping it was a temporary glitch, but they remained. Id appreciate it if the documents I provided were reviewed thoroughly, as this situation has left me very uneasy.
Product: Credit card or prepaid card

On XX/XX/XXXX, I discovered a fraudulent charge of {$820.00} on my CareCredit ( Synchrony ) card from XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, GA. At the time, there was no contact information available for the merchant ; so I contacted CareCredit to dispute the charge. They notified me that they would have to open an investigation into the matter that could take up to 60 days, and that no refund will be issued until the investigation is over. On XX/XX/2022, the transaction updated to where I could see the phone number and address of the merchant. I contacted XXXX XXXX and their manager let me know that they had been attempting to contact me since the transaction was completed, as they deemed it to be fraudulent as well. They notified CareCredit of the fraudulent charge in an effort to refund the charge, to which CareCredit refused and stated they would have to contact me directly to refund the payment. XXXX XXXX had no means to contact me as I was not the original person who made the fraudulent transaction. If I hadn't noticed the charge, this would have went unseen. Additionally, CareCredit was aware of the fraudulent charge at the time I contacted them, did not notify me, and still proceeded with opening an investigation into a transaction they had knowledge of being fraudulent to begin with.
Product: Student loan

I had emailed and also called Naviant back in XXXX to get the Misconduct Discharge Application. Every time I asked for it they refuse to send me it and say my loan doesn't qualify. I know it does due to the project on predatory student lending site laying out due to the fact that my account falls under the XXXX XXXX XXXXXXXX case. I attended XXXX XXXX during the alloted time frame. Which the ruling stated that all loans should be discharged due to predatory lending. I unfortunately did not keep the emails due to just now finding out I could file a complaint about their misconduct.
Product: Credit card

WE PURCHASED AN OVEN FROM THE LOWE 'S XXXX STORE IN XXXX 2016 AND OPENED A CREDIT CARD ACCOUNT TO GET AN EXTRA 5 % OFF. 
They delivered the wrong oven & returned it to there store in XXXX Florida. 
We never received any goods ( oven ) or services from Lowe 's so we cancelled the oven on XXXX XXXX, 2016. They are now, Lowe 's credit, sending me a bill for {$180.00}. Again, we never received any goods or services ... just frustration in trying to get the oven we ordered. We called Lowe 's Corporate offices in North Carolina but they advised it was a store/credit issue and they would not get involved??? 
So, we had no oven for XXXX, only frustration and now they want us to pay for something we do not have and never had..
Product: Checking or savings account

Recieved a welcome email from Wells Fargo for a new account that I did not apply for. 

Called Wells Fargo on XX/XX/2022. They said the account was fraudulent and will take action to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have paid off my XXXX XXXX XXXX XXXX is too stupid to update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans ( Santander to address the Bureau 's finding that it violated the Fair Credit Reporting Act ( FCRA ). The consent order was issued in connection with Santander providing erroneous consumer loan data to consumer reporting agencies ( CRAs ). Santander, a subsidiary of XXXX Santander XXXX, is a leadina originator and servicer of nonprime auto loans and leases. Santander furnishes credit information on the auto loans it services by sending monthly data files to CRAs. 
The Bureau found that the consumer loan data Santander furnished to CRAs between XX/XX/XXXX and XX/XX/XXXX contained many systemic errors that in many instances, could have negatively impacted consumers ' credit scores and access to credit. The consent order requires Santander to take certain steps to prevent future violations and imposes a {$4700.00} civil money penalt How to delete a negative Santander car
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card

I was offered a promotional balance transfer rate of 0 % APR for XXXX months from Discover Card. I accepted the offer over the phone and transferred the amount of {$2800.00} to my Discover Card. At no point was it clearly communicated that all other future transactions would be charged interest from the moment of the transaction until the monthly payment was made. I believe it was Discover 's intent to deceive me. When I called to ask them to fix what I believed to be a mistake they claimed that the terms of the balance transfer I had agreed to could not be changed and they would continue to charge interest daily on all of my purchases. Even though I have been paying the full amount of new purchases plus an extra {$200.00} each month they are still charging interest.
Product: Mortgage

MY LOAN ORIGINATED IN XXXX XXXX XXXX XXXX XXXX XXXX  THEY HAVE NO RECORDS OF THE LOAN IN THE YEAR XXXX. YOU ARE SAYING MY LOAN ORIGINATED IN XXXX NOT XXXX THAT IS BECAUSE IT WAS CHANGED TO A CONVENTIONAL LOAN, NOT UNDER THE FHA AS A LOAN UNDER THE VETERANS ADMINISTRATION AS OF XXXX. DOCUMENTS I HAVE FOR ONE FROM XXXX XXXX XXXX XXXX DOWN IN THE RIGHT-HAND CORNER BUT IN THE UPPER-HAND DESCRIPTION COLUMN IT HAS XXXX. MY LOAN WAS UNDERWATER FROM XXXX XXXX XXXX  AND I HAVE A DOCUMENT THAT SHOWS A CASH-OUT REFINANCE WAS DONE FOR {$28000.00} AND ONE FOR XXXX FOR {$30000.00}. I HAVE FORENSIC PAPERS THAT STATE THAT THIS DOCUMENT IS INDEED A FORGERY WITH MY INITIALS FROM THE COMPANY NAMED XXXX XXXX THAT DOES SOFTWARE FOR INVESTORS NOT UNDER FEDERAL GUIDELINES.
Product: Credit card

I have had a credit card with citibank since XX/XX/XXXX.ALL of the payments were made on time and ALL of the payments were paid in full EVERY month. Citi bank has only reported 14 months of payments in the history part of the credit report. This is hurting my credit rating by aprox XXXX points. I have contacted citicard numerous times and the bureaus to get this corrected. it is stopping me fromgetting a loan and my insurance rates are higher than what they should be. there are 216 months of payments that should be reported in my payment history.the credit bureaus keep telling my my score is low because I dont have a long enough payment history and I dont have enough lines of credit. I have XXXX credit cards and can not get a XXXX one because my score is low due to the short payment history that citi is reporting.
Product: Debt collection

XXXX called saying they were XXXX XXXX to collect debt of XXXX that was not obtained by Toyota Financial from my XXXX XXXX. Once I mentioned I have heard nothing about this and would check with Toyota first, they put me on hold. Name of individual was XXXX XXXX.