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

Late payments are being reported on my consumer reports, although I was never late. According to the XXXX XXXX effective XXXX preventative measures were supposed to be taken to keep my credit scores from being ruined by preventing adverse information from being added to my consumer reports, and preventing credit score furnishers from creating and/or implementing new credit scoring models that would lower my existing consumer credit scores during the XXXX pandemic. This information has defamed my character, because it is derogatory and causing me XXXX XXXX XXXX XXXX XXXXnd preventing me from obtaining credit. 

please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  at least for the last two months once a week by phone and mail to report unauthorized activity happening with my account. Believing that Im a victim of fraud, Ive even gone as far as filling an identity theft report with the FTC. I have not gotten one single returning mail about the investigation, I get a run around on the phone and I have technical difficulties disputing these items online. 


Inaccurate Information Creditor : XXXX/XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Closed account opened on XX/XX/XXXX This is not my account and I have already disputed this item with XXXX and had it removed. XXXX  and Experian are still reporting fraud account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XX/XX/XXXX {$670.00} I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me.
Product: Vehicle loan or lease

Company repossessed my vehicle, which is against Federal Law, I tried to contact them about paying to get my vehicle back to find out that they sold my vehicle last week on XX/XX/2022. I wrote a Right of Recession to the CEO of Ally Financial and never received a reply back from him.
Product: Credit reporting or other personal consumer reports

The company is no longer in business and/or the actual loans have been paid in full and/ or the history is incorrect on my report. There is no number to reach them or complete address for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Hello my name is XXXX XXXX I previously was in dispute with the bureaus over a hard inquiry from ( XXXX-XXXX  XXXX XXXX XXXX XXXX ) I do not recognize the hard inquiry and wish to have removed as soon as possible please and thank you.
Product: Credit reporting or other personal consumer reports

In addition to the following information Experian is in violation of 15 U.S. Code 1692g - Validation of debts ; I sent a dispute more than 30 days ago and according to federal law they must remove the disputed information for not providing me with documentation to prove the validity of the alleged information. I kept record to prove they received my complaint - Tracking Number # XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1611 Dear Sir/Madam, I am writing to dispute information in my credit report that I believe resulted from identity theft, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these items be blocked from my credit report in accordance with my rights under the aforementioned law. 
Attached to this letter are copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.

I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents.
Product: Credit card or prepaid card

On XX/XX/XXXX I made an online payment of {$1600.00} on my credit card. At that time the previous Balance was {$1300.00} and the open balance was {$1600.00}. So I made a full payment and the card balance should reflect a {$0.00} balance. The following month I received a statement with the balance of {$18.00}. It seems I got billed interest on the card with no balance at all. I was thinking it is an error on the bank 's part and did not pay the bill. On XX/XX/2022, I received a notification that my card balance is XXXX. I contacted support via chat and they explained the charges. Interest rate $ XXXX late fee $ XXXX {$37.00}. They also confirmed that they waived the charges and it should reflect on the next billing statement. 
The same day, on XX/XX/2022, right after chatting with the support, the credit card company lowers my credit limit from {$1400.00} to {$300.00}. 
On XX/XX/2022, around XXXX I contacted the bank to get a clarification on why my credit limit was changed. XXXX who was on the phone told me that the only fee that was waived is the late fee and she will remove the interest fee. I asked for confirmation but she didn't provide it and told me that I should receive an email confirmation that all fees are waived and the balance on the card is zero. Also, I asked to discuss the credit line issue and she transferred to the credit department. XXXX ( ID # XXXX ) explained that the credit was reduced because my credit score was changed. Since he could not help I asked to speak to a supervisor. XXXX ( Id # XXXX ) was telling me that all the charges are correct and one of the factors is that credit was lowered because of the past due amount. After mentioning to XXXX that " I won't be surprised if you close my credit card after this conversation, she responded that due to your request we will close the card ''. 
This is how credit cards are helping hard working people trying to pay off their debts in these hard economic times. 

The bottom line is 1 ) I paid off my entire credit card debt. 2 ) After paying on time, I got billed additional interest, a late fee, and the credit line decreased. 

The actions of the employees are very unprofessional, rude, and ridiculous.
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 confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AX ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my Credit Dispute to all 3 Credit bureau 's and I have not heard back. I submitted my complains on XX/XX/2020 and have yet to be notified of investigation status or results
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Dept Of EdXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!
Product: Credit card or prepaid card

I have a credit card with Upgrade. I received an email from them on XX/XX/2023 stating that my payment did not go through and they would attempt again in 4 days ; I did not need to do anything ' ( see attachment 1 ). I had set up a checking account with Upgrade with a direct deposit that was enough to cover the payment to make the payments. So I called immediately and was told it was an error on their end and it would be taken care of. I received a second email later that day ( see attachment 2 ) stating 'Your automatic payments have been XXXX due to your delinquency exceeding 75 days past due. Any future scheduled automatic payments have been XXXX. ' I had no idea my account was past due ; the person I spoke with earlier said nothing about it so I called again and was told it was a billing error on their end and it would be taken care of in 2-3 business days.

I watched my account and emails closely. Now there was a message on the app that stated 'Your account is currently ineligible for new draws. Please refer to our email communication for more information '. Once again I was told the error was on their end and it would be taken care of in 2-3 business days. This went on for several weeks ; every time I called I was told the issue would be taken care of in 2-3 business days. Finally, I closed the checking account and put all the money to the credit card. I then found out that card was not able to be used because Upgrade checked my credit score and said the card could not be used because of my score. I then found out that Upgrade filled a notice with the credit bureau that my payment was past due by {$6.00} ( no one told me when I called and it was not mentioned in any emails ) and that notice by Upgrade LOWERED by credit score by more than 20 points. And they used the lower credit score ( which they caused to happen ) to discontinue use of my credit card.
Product: Credit card

on XX/XX/year>, my credit card was charged an amount of {$110.00} for a flight ticket that the merchant hasn't provided the service. 
In fact, I booked a flight ticket from XXXX to XXXX and my gate number for my departure flight was XXXX as it is shown on my boarding pass. So on XX/XX/year>, I went to the assigned gate where my flight should be and I waited for the flight, which was expected to depart at XXXX and the door closes at XXXX Curiously at XXXX, I realized that the flight wasn't at gate XXXX as showing on my boarding pass and I went to look for an agent and ask them why the flight isn't at the gate and the agent informed me that the merchant made a mistake on my boarding pass, but the flight is departing at XXXX. 
Then the flight agent told me that they will refund my money since they made a mistake on my boarding pass. However, I didn't see the refund from the merchant, and I filed a dispute with my bank ( Chase Bank ) and I explained all the details. 
I was surprised to realize that my bank ( CHASE BANK ) failed to investigate the dispute, but they just reinstated the charge of {$110.00} back on my statement whereas the flight admitted that the merchant incorrectly had the wrong gate on my boarding pass where the flight was departing. 

In fact, the merchant never provided the service according to the contractual agreement showing on the boarding pass. They told me they will refund the fees I paid for the service because of their bad customer service but the merchant never did. 

I also attach a copy of my boarding pass along with the dispute initially filed with my bank where my bank is wrongfully supporting the inappropriate action from the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter XXXX  days prior from due date saying I owe such on such date, Account XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.
Product: Debt collection

15 U.S. code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt its been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items immediately!!!!!! 
These accounts should not be furnished on my consumer report as they are in violation under 15 U.S code 1681b- permissible purposes of consumer reports ( a ) in general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer no consent is identity theft as a consumer I am demanding the deletion of the accounts listed immediately!!!!!!
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2 company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that wasnt me nor was I of age to have credit when they were filed.
Product: Mortgage

I am having a very difficult time with New American Funding with a VA Loan. I am trying to do a short sale to avoid foreclosure. I am currently in the XXXX. I own a home in XXXX XXXX and was transferred to XXXX last year. I had to rent the home that I am trying to short sale. I had some trouble with the tenants and was unable to travel with my job. They stopped paying rent and did damage to the property. My income decreased because of the lower cost of living in XXXX and I was unable to keep up with the payments or do any repairs. 

The problem that I am having now is the VA is stating the property is worth {$300000.00}. This property is in poor condition and it is not worth this value. The real estate agency I hired is currently trying to resolve the issue with XXXX XXXX XXXX with a dispute but have learned they are being fraudulent with the dispute. The real estate agency has to be 100 % upfront on the repairs needed to the property, they 're required by law. But the lender and the investor ( the XXXX ) does not? I am currently in review for a short sale with an offer in and the lender will not postpone my sale date? From my understanding that is required by XXXX state law. 

It has clearly been shown to the lender and the investor that there is more damage to this property that the appraisal did not show in his report. That has been proven and they will not accept it. 

It appears to me they do not want me to do a short sale to avoid foreclosure. They are doing everything they can to make sure that happens
Product: Credit card

I was trying to close my account on the citi website. 
My complaint is that are deliberately making it very difficult to do so, hiding the options to do so, providing misleading information for how to do so, then forcing the consumer into a marketing/retention call. 

I went to the app, no ability to cancel. 
I went to the website, no ability to cancel. 
I opened the chat feature, asked to cancel, and it send me to phone support I called phone support and was put on hold for XXXX minutes. 
After being on hold, a person answered and asked me what i wanted, I said to close my account, and they said they had to transfer me. I asked not to be transferred and they refused. 
While waiting on hold I put my close account request into the chatbot again, and it said ( this time ) it could connect me to a rep. 
The rep connected and " reviewed '' my account, then asked the reason for my cancellation, which i told her ( didn't want to pay the annual fee ), then she told me i had to go through the voice system. 
Around this time, I was connected to the " account specialist '', I asked this person at least XXXX times " Please close my account '', and they would not refuse, but would not comply, instead trying to get through their retention scripts. 

This is abusive behavior, this is friction deliberately put into the system to discourage people from cancelling the card, and I think companies should be forced to allow cancellations to be done at least as easily as signups.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I also saw things on my credit file that wasn't mine. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I C XXXX XXXXXXXX, are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian is showing that several accounts that are PAID IN FULL have been written off. I have paid numerous accounts off in full. Experian also listed various addresses and some are places I have never lived. My identity has been stolen and my XXXX check was stolen and Experian won't help with that until I pay the {$30.00}. I can't pay for anything but they are NOT listening to me.