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

On statement date XX/XX/2023 the interest rate was 22.65 % for the current charges subject to a balance of {$110.00} On statement date XX/XX/2023 the interest rate was raised to 22.90 % on the same charges subject to a balance of {$120.00}. Event though there weren't any additional charges the balance subjected to interest was raised. There was not any additional charges. A noticed was not given informing of the increase of the interest rate. 
Payment had been made and the actual owed balance went down.
Product: Consumer Loan

Credit Central in XXXX, TN calls me everyday, 3 x a day even though I sent a letter stating not to call me at work. They sent a man out on Saturday morning who tried to force his way into my home. He blocked our cars in the driveway, harassed me in my front yard after asking him to leave and he followed us for several miles after we drove out of the driveway. we took pictures.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit score with Transunion, LLC decreased by 35 points between XXXX, XXXX and XX/XX/XXXX. I have tried on 2 occasions to get an explanation by phone as to why it decreased and how I can improve it. Both times I was unsuccessful as the first person had no explanation and the second person said the only issue that he could see was that my balances were too low on my 2 credit cards. In response, I asked the question if I should in increase my credit card debt and he responded that they do not give advice and that i should speak to credit score advisor which he could or would not provide.

As these Credit companies control our financial destinies as it relates to the interest rates we are charged on loans, the cost of automotive and homeowners insurances and array of additional financial tools, etc, they should be held accountable as to how they handle their algorithyms. There is something very wrong with the way these credit scoring companies ( Trans, XXXX, XXXX ) are allowed to operate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported that I am over my limit. My attachments below show that not only am I not currently over my limit, but I have not been over my limit in this reporting period ( or ever ).
Product: Debt collection

XXXX XXXX is reporting a fraudulent account to my credit file I never had a XXXX card and I have call several times to tell them to remove it and customer service let me speak with fraud department and they said the willremove the fraudulent account I ending up filing a police report to have it remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance Owed : {$620.00}.
Product: Credit reporting or other personal consumer reports

I am challenging the accuracy on my credit report for Acct # XXXX with XXXX XXXX XXXX again for the for the fifth or sixth time. I have uploaded a copy of my consumer report showing inaccurate late payments that are reporting 30 ,60, 90 and 120 days late with experian but XXXX reporting the payment was paid and ok and instead of XXXX  credit bureau 's stating the same thing they are reporting differently, and this is hurting my chance of getting approved for an apartment and a car and indefinitely hurting my creditworthiness. I also see two different dates of my last payments from two different credit bureau 's which makes no sense and I ask that you update and correct my credit report stating paid as agreed and remove all late payments being shown on my consumer report.
Product: Mortgage

Starting in 2018 Pacific Union Financial starting charging a fee for payments made after the XXXX  of the month ( {$5.00} ) and after the XXXX of the month ( {$10.00} ). This information is not included in my truth in lending paperwork and therefore should not be a charge I should incur. When I called customer service to ask about this, they said it was because so many people had defaulted on their payments that this was an effort to recover this. I have never been late on a payment in 4 years with Pacific Union Financial and do not feel this is fair to impose on customers who do pay on time.
Product: Checking or savings account

I participated in an account opening bonus program for XXXX dollars when I opened an account and make a direct deposit. But there's no bonus applied on my account.
Product: Money transfer, virtual currency, or money service

This company was supposed to deposit to deposit my money a certain day and didnt then when I called they acted like they didnt know what was going on. Then later gave me a excuse why they didnt deposit my money on the day they told me they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened over 10 years ago. This date keeps changing each time a new creditor receives the account. Now its saying opened for 6 months. Something definitely isnt right. Maybe it was the fact that I told them that its not on my credit and very old, so I wasnt going to pay it. All of a sudden, its been opened for only 6 months. Im trying to currently repair my credit, and this inaccurate information/fraud isnt helping. This is not fair and against the law.
Product: Credit reporting or other personal consumer reports

ACCOUNTS being furnished on my consumer report are violating consumer law federally under 15 U.S. Code 1666b - Timing of Payments which states that a creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each required periodic statement, including the required information, is mailed or hand delivered to the consumer no later than 21 days before the payment due date., I am requesting proof that the payment due date notice was mailed out to me not email at least 21 days before the due dates in question. Please provide original, valid notices, not emails of notices or templates. If you can not produce such notices or information related to the account in question meeting the specified timeframe, I request the removal of the reported late payment.
Product: Debt collection

A XXXX Telemarketer claiming to be from Midland Credit with Calller ID of XXXX XXXX XXXX keeps calling claiming we have dept with a sears credit card. They then ask to give them my social security number, when we refuse, they then as to us to confirm if a social security number is mine, and confirm our address. This company is a fraud and you should shut them down!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma advertisers that you can check your credit report for free and this does not affect your credit score. I received a letter from XXXX who ran my credit history and they sent me a copy of my credit history which is showing among the negative history Two incidents list of credit inquiry. Their commercial is false and misleading. I went to Credit Karma online and did in fact notice the credit inquiries and also learned that these inquiries stay in my history for 2 years. Discovering this, I believe that these inquiries are in fact affecting my credit score and therefore is contrary to credit Karma 's advertisement.
Product: Debt collection

I am writing to formally dispute a charge-off that appears on my credit report from I.C. System. This account is negatively impacting my credit, and I am requesting that you investigate its accuracy and validity. 

Account XXXX : XXXX : XXXX. System Account Number : [ Your Account Number ] Reported Charge-Off Date : [ Date Listed on Credit Report ] After reviewing my credit report, I have concerns regarding the accuracy and fairness of this charge-off. I request that you provide documentation verifying that this debt is valid and was properly reported per the Fair Credit Reporting Act ( XXXX  ). If you can not verify the legitimacy of this charge-off with proper documentation, I respectfully request that it be removed from my credit report immediately. 

Additionally, if this account has been sold or transferred, I request the contact information of the current owner of the debt. If there are any errors in the reporting of this account, I ask that you update or delete the inaccurate information accordingly. 

Please respond to this request within the legally required 30-day timeframe, as outlined under the FCRA. You XXXX send your findings and any supporting documentation to the address listed above. 

Thank you for your prompt attention to this matter. I appreciate your time and effort in ensuring my credit report is accurate. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$370.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXXccount # : M**** date opened XX/XX/XXXX XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

On XX/XX/XXXX three American Express Gift Cards for XXXX} each ( a total of {XXXX} ) were purchased from the XXXX store located at XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX. These cards were given to our XXXX children as XXXX Gifts. 

On XX/XX/XXXX, these cards were attempted to be used at three different gas stations across the state of Utah. None of them worked. 

After multiple attempts to use the cards, they would never work. On XX/XX/XXXX we checked the balance on the cards. Each of the XXXX cards had a balance of {XXXX. The first card had XXXX charges from XXXX XXXX XXXXXXXX, and XXXX which exhausted the {XXXX. The second card had one purchase from a mushroom company in XXXX, CO, exhausting the full XXXX}. And the XXXX  card was used in XXXX cities : XXXX XXXX, XXXX, and XXXX - exhausting all funds. We were never able to use the cards and we never visited these locations. 

After being an AMEX card member for more than XXXX  years ( and currently holding one of their highest-fee cards ), we sent in a dispute and our dispute was rejected without any type of clarity or information. The case number is # XXXX. 

These card numbers were clearly stolen before we could use the cards. The packaging is such that the card numbers and other necessary details can be viewed without opening the packaging on the card. We are now out {XXXX} and AMEX needs to reimburse us for their insecure and ill-packaged product.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX  customer service representative. Please update and correct the account.
Product: Checking or savings account

I placed a request for a transfer on funds to XXXX XXXX XXXX XXXX on XX/XX/2023. I put a reminder on my " todo '' list to remind me to watch for the transfer. Late that night, approximately XXXX I received a call from Chase Bank ?. They did not identify themselves, but said they had some questions regarding my transfer request. If you read my complaint from XX/XX/2023, there was some suspicious activity regarding a call from Chase Fraud and I did not want a repeat of that conversation which included providing ways to identify myself in three different ways to three different people and ended with me being told I am uncooperative and I would have to go to my local branch with two forms of identification ; in which I did. This time I refused to answer their numerous questions and hung up. I do not know if it was Chase Bank, but I suspect it was. On XX/XX/XXXX, I verified my account online with Chase Bank. They put two deposits into the receiving account and then take that amount back. I then sign on to my Chase Bank account and put in the two amounts that were deposited into XXXX. On XX/XX/2023 I checked my account and it said it was under " review ''. Today, XX/XX/2023 it changed the date requested to XX/XX/2023 and now states " we rejected this transfer ''. This is the 2nd time there have been suspicious changes to data in my account. The other was a charge through XXXX XXXX in XX/XX/2023, and the responses from Chase have barely been adequate.
Product: Debt collection

DEBT VALIDATION WAS NOT PROVIDED FOR THESE ACCOUNTS ON MY XXXX CREDIT REPORT AND DUE TO NON-VALIDATION THESE ACCOUNTS WERE DELETED XXXX # XXXX XXXX # XXXX
Product: Debt collection

Sent XXXX letters to all XXXX credit bureaus on validation of this debt nothing has been validated at this time sent letters to LVNV funding LLC on XXXX XXXX 2015 nothing has been validated at this time
Product: Debt collection

Company calls multiple times on multiple numbers. Keeps calling my place of employment asking for my personal phone number. XX/XX/XXXX and XX/XX/XXXX have called several times. Leaves voicemail saying the are trying to do an assest verification and needing to verify place of employment. Also in voicemail says that the process is being expedited and should come within the next 24 to  48 hours and then they leave the number XXXX, failure to call back may result in further terminations being made. Then the guy talks real low about state and federal guide line and then I have been officially been notified. 


XX/XX/XXXX called my place of employment threatening legal action, would not give me any info in regard to why he was calling. Told me he needed to transfer me. I told him he would need to speak with my lawyer if it was a legal matter and I could give my lawyers name. The guy scoffed and said he wasn't getting off the phone just because I supposedly had a lawyer. Would not give me any info. I asked him not to call my place of employment again to contact me via certified mail only. He told me he could call me wherever and whenever his company wants to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to dispute credit collection claims filed with XXXX Prepared For XXXX XXXX, Report Number : XXXX. 

XXXX have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager.

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX Survey complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with XXXX as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 5 months, Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Reporting Agencies look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but to file the lawsuyit that we have been preparing against the Credit Bureaus. 
XXXX XXXX XXXX XXXX : {$430.00} How many times do I have to point out that this account 's payment history is inaccurate and deceptive? I have been contesting for the removal of the late payments from this Account 's payment history in order to repair this account, but you have done nothing. Please entirely remove the past-due payments from this account. 

XXXX  XXXX XXXX Balance Owed : {$0.00} You continue to list this account as being past due despite the fact that it has been closed and has no balance. Credit Reporting must be accurate in accordance with the Fair Credit Reporting Act. How can you incur late fees on a closed account with a {$0.00} balance? I need you to entirely remove this account from my credit report or to remove the account 's history of late payments. 

XXXX XXXX XXXX XXXX : {$160.00} I can't possibly be late with this account report 's dates. I've been maintaining a separate record of payments, and their information differs from mine. Credit Reporting must be accurate in accordance with the FCRA. I ask that you either totally delete this account from my credit report or erase the late payments from the account 's payment history. 

XXXX XXXX XXXX XXXX : {$2600.00} Accounts with chargeoffs must indicate a zero balance! Since there is no question that this account is a charge-off, how could you record it with a balance of {$2600.00} if it is a charge-off? I've been asking you to clear the balance and update the account 's payment history, but you've remained silent. I'm asking that you immediately delete this account from my credit history.
Product: Credit reporting or other personal consumer reports

I'm writing you today to dispute negativity on my credit report. This account listed below do not belong to me and need to be deleted or blocked. 

XXXX XXXX. 

In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the item but need you to assist in the process. I'm including this report in my letter to help substantiate my claim. 

I request that you conduct an investigation into the this account and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i Wrote transunion about unauthorized placement of accounts on my credit report. 

On XX/XX/2023 Transunion responded with a letter stating i was using an 3rd party company. ( not true ) I typed up the letter myself. 


This complaint is against transunion only.
Product: Credit card

On XX/XX/year>, I placed an online order with XXXX XXXX XXXX for 3 items, 2 dresses and a jacket, order # XXXX. On XX/XX/year>, XXXX delivered a box to my home containing two items from the above mentioned order, tracking # XXXX. When I brought the box inside it appeared damaged and had clear tape all over the sides. I opened the box and there were only two items inside, a dress with visible stains on the front and a jacket, there was no packing slip included in the box. I immediately contacted XXXX Customer Service to begin a return for the dress, when I told the rep I only received two items she informed me that 3 items had been shipped. She told me to email her pics of the box and dress and she would open a claim. I sent the pictures as requested and returned the damaged dress. After not hearing anything for a month, I contacted XXXX again only to be told no claim had been filed so again the rep refiled the claim. I called again in two weeks only to be told my claim was denied because 3 items were shipped and I needed to file a claim with XXXX XXXX the bank of my XXXX XXXX. I opened a claim with them # XXXX, they also denied the claim sending me The XXXX tracking history printout and saying the package was delivered, when I called to dispute the denial I was given the phone number for Comenity Bank as they were the new bank for XXXX XXXX XXXX. I contacted them and opened a claim. They also denied the claim again referencing the XXXX tracking history as proof the package was delivered. I sent a certified letter to Comenity Bank along with pictures of the box 's condition and the stained dress. I stated in the letter " I am not disputing receiving a box from XXXX, I'm disputing the contents of the box. '' I also questioned a notation on the XXXX shipping history that shows when the box arrived in New Jersey the barcode was unreadable and needed to be relabeled. What caused the barcode to become unreadable, had it been opened. They never responded, just denied the claim. The amount of the dress I never received became due as it had been frozen while the claims were pending and they continued to deny my claim. I have since paid the amount of {$140.00} unwillingly as I did not want to harm my impeccable credit. However I am unjustly paying for an item I never received, it was NOT in the box delivered to my home by XXXX on XX/XX/XXXX. They have not offered me any proof the item was in the box, there was no packing slip included in the shipment.
Product: Credit reporting or other personal consumer reports

I currently have two student loans in the amount of {$67000.00} and {$30000.00} which have been consolidated into XXXX loan for {$98000.00} by XXXX. Since XX/XX/2024, I have been going back and forth between XXXX and Experian, who is reporting my loan balance at a higher balance than what is owed. My credit report shows that I owe the combined amount of {$98000.00} and it is also reporting that I owe {$30000.00}. I have filed about XXXX or XXXX disputes with Experian to fix this. However, they continue to close my disputes without solving the issue or they say its an issue with XXXX despite me submitting documents of my balance as proof of my actual balance. I have also contacted XXXX to fix the issue, and they continue to blame Experian and not help me resolve the issue. This is affecting my credit report because Experian is stating I owe about XXXX more than what I owe.