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

Around XX/XX/2021 I received a statement from XXXX ( Credit card serviced by Comenity Bank ). In this statement I had an ending balance of {$680.00}. The statement had a minimum payment of {$35.00} with a payment due date of XX/XX/2021. I made a payment in full of {$680.00} that was completed and cleared on XX/XX/2021. This was clearly before the payment due date of XX/XX/2021. So, I figured I was done and owed nothing further. I didn't realize that I was charged a finance charge of {$6.00} on the XX/XX/2021 statement. I wasn't aware of this until recently. I finally decided to open a e-statement because it was weird I kept receiving them, figured its just showing me {$0.00} balance due. During my review I discovered that I was being charged interest fee and late fee 's. On XX/XX/2021 I made a phone call to Comenity Bank via the phone number on the statement to get assistance and help me not only understand why I was charged interest fee on a balance I paid in full but hoping they would understand and reverse the late charges and fix my credit bureau report. Well, after about 41 minutes on the phone and being transferred 7 times to finally have someone somewhat clearly explain the situation and help me get rid of some of the charges. I did make a payment on XX/XX/2021 for {$36.00}. The lady on the phone indicated this would be the payment and the rest will be forgiven. Great! I ask if I would be surprised with an additional interest fee, she stated yes you may be charged a small interest fee. This is unreal. 

Next, I ask if I could have the company fix the credit reporting. I was told to send a message using the secure message center for assistance. They should be able to help you. So I did on XX/XX/2021. On XX/XX/2021 I got a response back from an agent who gave me this long biography of how they charge interest etc. Then I was told that she can't help me with the credit reporting issue that I must write a letter to their company to review. I have been given the runaround a lot the last two days I have been dealing with this bank. Clearly, the staff is unaware of the process or procedures. 

I want Comenity Bank to review this case, clearly show me how you calculated the {$6.00} interest charged accessed on XX/XX/2021 statement. Also, if you are going to charge interest after the fact when a balance in paid in full on time, then you should inform your customer of this. My other banks don't sneak around like this. 

You know I got this card because I was under the impression that I would have a promo period where if I paid it in full during a certain time I wouldn't be charged interest. Well, when I got my statements, XX/XX/2021 specifically, I noticed that wasn't true as I was getting charged interest. This is why I paid it in full. I was probably mislead or misinformed. I didn't take any action then, because I just felt like I should just pay for it in full and be done. I really hope the XXXX XXXX staff are not misleading customers. That can be a big issue for them and Comenity Bank. 

Again, I want someone to look into this, understand my situation and correct my negative credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can they deny me of my rights who is Transunion to decide not to investigate my request to block this information. 

These our my rights from the federal government not Transunion. they do not get to decide. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

This keeping me from obtaining employment According to 15 USC 1681n ( a ) ( I ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation. 
ADDRESSES XXXX XXXX XXXX XXXX, AZ XXXX Negative Accounts XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Deleted disputed information on my credit report after investigation and re applied inaccurate and false information back on my credit report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Product: Credit reporting or other personal consumer reports

I reached out to this company Aspire several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the XXXX following major XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. Aspire keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.
Product: Debt collection

I sent an Affidavit of Truth stating that Mid-South Adjustment CO. and XXXX XXXX XXXX violated 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) ( A ), and 15 USC 1692e ( 3 ). I would like to state that Mid-South Adjustment COXXXX and The XXXX XXXX XXXX have violated my rights as a protected consumer under 15 USC 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent to have this company report information on my behalf! I do not want this company transmitting, sharing, or collecting my personal information data without my consent! I will take legal actions against them! Unlawful information!
Product: Checking or savings account

After filing for bankruptcy in XXXX and undergoing a lengthy process that led nowhere, I decided to drop the case in XX/XX/XXXX. During that time, I was also fighting a foreclosure in court and hired the law firm XXXXXXXX XXXX XXXX  in XX/XX/XXXX for {$4000.00}. Once the retainer was depleted, I was to be billed monthly. By XX/XX/XXXX, the retainer was exhausted, and the law firm charged an additional {$2000.00}. When I requested an accounting of the work performed, I received nothing. The main issue I have is that they made a copy of my debit card to keep on file and charged at their discretion. I disputed the charge with Chase on two different occasions, but they ruled in favor of the law firm.
Product: Credit card or prepaid card

10 years ago, I had credit card debt amount of {$13000.00}. In order to pay for this loan I started my own business having mutual agreement with the partner business giving me the inventory with 0 % down and paying for the inventory as the item sells. However all of sudden the partner business demanded money for all the inventory within my business. So I had to give up all of the inventory to the partner business and close the business within 4 month. However the partner business demanded about {$12000.00} more even though I returned all the items back. I tried to renegotiate the terms with my previous partner and my credit card issuer, since it was very unfair for small business owner like myself, but they were going to file a lawsuit on me and I could n't afford a legal action so I backed out. With this I started working full time as a taxi driver in order to pay for {$12000.00} to my previous partner business and {$14000.00} ( due to interest ), however the credit card interest were too high I was n't able to pay for both debt and I had to file bankruptcy.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by Equifax and XXXX on my credit report. The account details are as follows : XXXX XXXX XXXX Balance Owed : {$2500.00}
Product: Credit reporting or other personal consumer reports

Experian is willingly, wrongfully and continuously, reporting non-accurate information on my consumer report. XXXX XXXX Date XX/XX/2019. Experian can not, and has not provided any documentation to validate that investigation was done pursuant to 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX XXXX  regarding the account ending in XXXX. This account is being reported inaccurately and despite over six months of disputes with the credit reporting agencies, no valid documentation has been provided to substantiate the debt. 

Issues and Inaccuracies : Inconsistent Balance and Limit Reporting : The reported balance is {$6600.00}, but the account is marked as closed and charged off. 
The high balance and credit limit are inconsistent across bureaus : XXXX and TransUnion report a credit limit of {$5600.00}. 
XXXX lists a credit limit of {$0.00}. 
Discrepant Payment and Charge-Off Information : The dates of the last payment, charge-off status, and account activity vary significantly between the bureaus. This inconsistency indicates poor record-keeping and reporting failures. 
Failure to Provide Verification : Despite multiple disputes, XXXX XXXX  has failed to supply any valid documentation or proof to substantiate this debt. 
This is a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which requires all reported information to be accurate, verifiable, and timely.
Product: Credit card

I paid off my card balance in XXXX 2016. Apparently, I was charged {$53.00} in interest fees AFTER paying it off. I was not sent a statement either by mail or by email alerting me to the fact that I had a payment due, despite the fact that I am set up to receive e-statements. Because I was unaware that I had a remaining balance ( believing I had paid it off and having checked it in XXXX to make sure the payment went through ), I incurred late fees in XXXX and again in XXXX, bringing my total to {$110.00}. ONLY THEN on XXXX XXXX, 2016, did I receive a statement asking for payment in full. That was when I checked my account and discovered the problem. Citibank has refunded XXXX of the late fees ( {$37.00} ), but they need to refund the {$27.00} from XXXX as well. I would also like as much of the interest refunded as possible or at least check it to see if the charge is legitimate, since I had paid off the balance in full the month before. I am asking for a total of an additional {$80.00} in restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking them how they verified a bankruptcy and always come back as verified accurate, I call the local US bankruptcy court and they have emphatically stated that NO ONE for any of these Bureaus, XXXX, TRANSUNIOON or XXXX  have called once to verify the information. They are using a third party data base as i am thinking to gather or verify this type of inaccurate information.
Product: Debt collection

I JUST RECEIVED A CALL FROM A COLLECTION AGENCY CLAIMING I TOOK OUT A LOAN FROM A COMPANY AND THEY KEEP TRYING TO THREATEN ME SAYING THEY HAVE A COPY OF MY DRIVERS LICENSE AND BANK ACCOUNT INFORMATION. I TOLD THEM TO STOP CALLING ME BUT THEY INSIST ON HARASSING ME
Product: Consumer Loan

I was put on a payment plan with Capital One Auto Finance and completed the plan. They stated I am contractually current with a confirmation number. However they have reported me as 180+ days late since completing the plan and it 's been more than 30 days since I completed the plan. I believe they have violated the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 sent a request to provide proof of initial acct, no proof of investigation was provided
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes and I are being taken advantage of and dismissed. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I had tried and order these few pair of replica shoes from a XXXX website and from the time I sent the payment thangs where heckled I Attached a few emails that was from western union also from the receiver
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that are appearing on my report that are not mine. XXXX XXXX # XXXX, XXXX # XXXX, Westlake, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have 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 ( 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. 
9,102. Im exercise in my right.to opt out of having these accounts reported to my consumer report. The line of credit I have with vour companw, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
List Name of the accounts with high Utilizations and late payment transactions XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subiect to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Put creditor name here that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction and experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted each individual company and provided each one with supporting documents as to why the information reporting on my credit is incorrect and fraudulent and I have not gotten a response or update from them on numerous occasions.
Product: Checking or savings account

two days ago Bank of America closed my two checking accounts and savings account without cause and are refusing to let me have access to my funds until after XX/XX/2021. I am XXXX yrs old and need the funds for prescriptions, rent and insurance payments among other reasons. I did not do anything illegal or write any bad instruments or overdrawn my accounts. I have called several people at BOfA and told they can not release my money. they also have interrupted the social security check on the XXXX. they are located all over the country and can not let me talk to local management to get me access to my funds. I was sent several checks I did not solicit and was asked by a friend to deposit them deposited them and found out only recently that two were stolen checks and one was overdrawn the writers account.. I did not spend or try to collect any of that money. the bank unilaterally closed my accounts as if I was attempting to defraud them. I just want my legally own money not connected with those checks and the bank is refusing to give it to me or allow me to pay for necessities. I think that is grossly illegal to keep me from my legal money in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I noticed some credit inquiries in my credit report of XXXX XXXX, XXXX  and XXXX  which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX  XXXX XXXX SYNCBAMAZON
Product: Mortgage

XX/XX/2019. I signed for a loan a loan with rate lock, from GMH Mortgage Services. 
XX/XX/2019. GMH ordered an appraisal, which I paid for. The appraiser provided a full report, however, GMH delayed lending until some exterior work on the condo building was done ( mostly painting ). 
XX/XX/2019. The rate lock expired ( because of the lender 's delay ). 
* I did not request a lock extension, nor did I request to buy more points. I never mentioned the lock expiration. 
* GMH did not mention the rate lock expiration or selling me more points. 
XX/XX/2019. On the closing day, the lender sent me a revised application. He said : " Since your closing is a mail away the loan will not fund until the XXXX. You sign the documents on the XXXX and it gets recorded on the XXXX. You will be getting a revised extension to sign good to the XXXX. '' Notice, it says nothing about increasing the points/fees associated with the rate or changing the rate. 
* I signed what GMH Mortgage Services sent me, not realizing that it was not merely the extension the GMH told me it was. It increased the points/fees associated with the rate by {$250.00}.
Product: Credit card

I received a letter dated XX/XX/year> from " Best Buy Credit Services '' stating that " my application for a Best Buy XXXX card has been declined. However, I have never tried to open a credit card with Best Buy. When I called the phone number on the letter, it would not let me talk to a representative - the automated service simply repeatedly asked for my social security number. I did not give it to them. 

The letter " looked '' legit, but seems like a scam to get personal information. 
The phone number listed on the letter was : XXXX Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I called Shellpoint Mortgage ( New Rez/Shellpoint ) and asked that if I can defer my payment as I was in a declared natural disaster area per the impending hurricane, and was told that I could defer my payment for another month, until XX/XX/year>, without penalty. 

I received a letter from them in early XXXX to say pay by XX/XX/XXXX, or they will take adverse action against me. I called customer service and they said ignore it. 

I paid XXXX and XXXX 's payment on XX/XX/XXXX, contacted customer sefice, and they sais I was fine and no adverse action would be taken against me. 

To my dismay, they reported my account late to all XXXX credit bureaus in early XXXX, and my credit scores dropped dramatically. I called them, emailed them, they said they would fix it- which they have not! I disputed it with all XXXX credit bureaus ( XXXX is still processing ), and they said I was still late. 

Shellpoint customer service agreed with me over the phone, said I was right, they were in error, yet I am still being harmed per the incorrect payment status/rating reflecting a let XXXX payment. This should have been corrected by now. I asked for help, yet I got completely screwed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX is refusing to remove bankruptcy case number XXXX from my credit report, even though XXXX the reporting credit agency has deleted the information from my consumer report stating they were unable to verify the accuracy of the bankruptcy.