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

On XX/XX/XXXX I requested TransUnion to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by XXXX. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, TransUnion again informed me the information was confirmed by XXXX. My information was suppressed from XXXX XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested TransUnion to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX XXXX is the bank with permission to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last date payment made on this account for XXXX XXXX was XXXX XXXX. It is reporting as a charge off and closed, 1681c ( a ) ( 4 ) .They placed the account for collection or charged it to profit loss. That is fraud to write it off as a loss then trying to make the consumer pay them. The charge off balance at the time of charge off was {$260.00}. For years it was reporting as {$260.00}. Now the balance is reporting {$440.00}. How can a charge off account balance increase when it is charged off? I have asked for verification and validation of this debt from XXXX XXXX and I have not received anything but the credit bureau stating that the account has been verified and to call XXXX XXXX, which I did and they send me from one person to the other or tell me that the person I need to talk with is not in or to call back later in the week. The Statute of Limitations for South Carolina is time barred after three years have passed. 15 USC 3-530.They are in violations of my rights as a consumer. 1. ( 1681a section 603d ) this is a bearing on my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. 2. 1692f-1- The collection of any amount 3. 1692e ( 2 ) ( A ) - the false representation.
Product: Payday loan, title loan, or personal loan

I haven't been working because I have been sick from XXXX. I told the manager and her assistant that I haven't been able to go back to work yet. So on XX/XX/2022 XXXX of the ladies called my cell phone from her cell phone telling me that I need to make a payment immediately and I told her I was not working because of XXXX. I told her she was not supposed to call me from her cell phone because I had the right. After that, on XX/XX/2022 the supervisor called my cellphone from her cellphone and threaten me by telling me if I did not make a payment immediately that she was going to file suit against me. Now she knows that I am not working and know that I am out of work because of XXXX. The supervisor has a very nasty attitude and she is rude. She won't call me from the office phone she is constantly calling me from her cell phone and I want her to stop harassing me. The name of the company she works for is XXXX XXXX in XXXXXXXX XXXX the Supervisor 's name is XXXX XXXX and the assistant that has been calling is name is XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 i received a phone call from XXXX XXXX XXXX for a loan and I accepted the loan offer but at first I had to put 5 % of the loan up front which was {$100.00}. So when the funds say they are sent I get another email about the funds are put on hold until I pay a {$160.00} wire fee and a {$8.00} stamp fee so I pay that also. I still have not received my loan from this company and when I call them they say its been sent which it has not and they will not provide me with a statement saying money being sent and now they want me to pay {$190.00} so they can send it to me thru XXXX XXXX which Im not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised and used to obtain unauthorized credit card accounts with XXXX  XXXX XXXX for {$2800.00} and XXXX  XXXX XXXX  for {$1400.00} which was never paid and caused my credit to take a huge hit and its affecting my ability to purchase a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never froze my credit ever and my job just tried to pull my report and was told the reason was because my credit was froze when it was not. They did it intentionally and I need immediate assistance
Product: Debt collection

I reached out to the Both XXXX and XXXX 3 times on a Collection that is showing up on my credit report for a Collection company ( I C SYSTEMS COLLECTIONS XXXX for the amount balance of {$680.00} ) that is for a XXXX XXXX XXXX XXXX XXXX that I never received. I did move from XXXX XXXX XXXX  back on XX/XX/XXXX and I paid off all my Bills in Full before I moved!. I requested that they verify that it belongs to me with proof showing the bill with my name, addresses and date. I also requested that they show me proof that the XXXX company did send me the bill to my new address. They have failed to show me any proof what so ever, they only keep saying it's verified. The first Letter I sent them was on XX/XX/XXXX the XXXX letter was on XX/XX/XXXX and the XXXX XXXX was on XX/XX/XXXX.
Product: Debt collection

Class action lawsuit A federal court order compelling arbitration in a lawsuit against Midland Credit Management and law firm XXXX XXXX XXXX over allegedly unlawful debt collection practices stands, after the U.S. Court of Appeals for the First Circuit concluded Wednesday that debt buyer Midland Funding holds all the same rights that XXXX held under its Cardmember Agreement with the plaintiff-debtor.
Product: Credit reporting or other personal consumer reports

I submitted the FTC and Police reports and everytime i call XXXX ( resurgent ) they are telling me they dont have it on file for the fraud accounts that are on my report. The police report was made in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from BK OF AMER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BK OF AMER and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and BK OF AMER with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.
Product: Student loan

Mohela is slow walking updating eligible payment data and pslf forgiveness. They say to alot up to 90 days... Working on 100+ with not even an update on qualified payment info and delay in handling the application. They say they are overwhelmed. That so, they need to hire some help. This is ridiculous. If they can't handle it, then give it to someone else to handle. Never had a delay like this at the previous servicer.
Product: Credit reporting or other personal consumer reports

I applied for a discover it credit card and was told I had a fraud alert on my credit report. I can not get in touch with a live person to verify this. As I did not request a freeze or alert on my credit file.
Product: Credit card

They charge me for annual membership I called and cancelled the card they said everything was okay the account was cancelled and the fee too so I had to destroyed the card and now they send me a new statement XXXX the charge y now they said they have a new policy and I have to pay Whitout using the account
Product: Checking or savings account

I have a smart access checking account with PNC BANK. There was fraud committed on my account. I noticed unauthorized charges on my account. I called and spoke with a PNC agent and we deactivated my debit card and a new one was issued. I received my new card XX/XX/ and activated it. Today XX/XX/ I find out that PNC BANK closed my smart access account. I did not authorized PNC to close my account. I was not even notified by PNC that they closed my account. I had a direct deposit that went through to my account XX/XX/. I went to check my account balance and found out the account was closed. I spoke with a PNC agent named XXXX ( XXXX ) and he was very rude and didn't offer me and insight as to why the account was closed. I cant help but feel PNC BANK is penalizing me for my account being compromised. Now the direct deposit I was expecting is in limbo and I have no money to be able to get through the week. PNC is costing me my job. I needed that money to get bank and forth to work as well as other necessities. PNC bank has cost me more than they will ever know!
Product: Payday loan, title loan, or personal loan

XX/XX/2018 I did a loan search online and this company was suggested. The interest rate was not clear to me and I ended up paying XXXX on a XXXX loan. No documents were sent to me.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified information on all my reports that are a result of identity theft, these items are not related to any transactions completed by me. 

SEE ATTACHED
Product: Debt collection

The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until   XXXX   XXXX    , I was unaware of this creditor and upon finding out requested documentation through  XXXX   XXXX   XXXX  dispute. Upon not receiving the information requested, I contacted th e JH Portfolio directly through the   XXXX   XXXX   XXXX   (  XXXX  ) com plaint ID #  XXXX  on   XXXX   XXXX   XXXX     to remove this debt based on not being given the opportunity to dispute the debt in question.  JH Portfolio  responded to my complaint on   XXXX   XXXX   XXXX     that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on   XXXX   XXXX   XXXX    , however, I was unable to open the PDF.     Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on   XXXX   XXXX   XXXX    . I was told that Credit Control LLC is a third party collector for  JH Portfolio  therefore they do not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the  XXXX   ( i.  e.  signature contract agreeing to pay  XXXX  they need to retract this from my credit file immediately.
Product: Credit card or prepaid card

I applied for a Chase Sapphire XXXX credit card in XXXX. In XXXX, I received a notice that an annual fee would be due on XX/XX/XXXX, although I never received a credit card or any notification that my request for credit was approved. 

I called Chase Sapphire XXXX. The representative stated that she was able to see that the card was returned. I asked why I had not been notified that my request for a card was approved and, more importantly, that you have the credit card and the expected date I could receive the card to begin using the card. I expressed my concern with payment due in less than a month, on XX/XX/XXXX, for a card that I did not have possession of and was unable to use. 

The Representative stated that a request would be submitted to refund the equivalent of a month of the annual fee, considering that I did not have access to the card until XX/XX/XXXX. It would not be fair to the consumer to owe and be required to make an annual fee payment on XX/XX/XXXX, for a card received on XX/XX/XXXX. Chase Sapphire did not contact me after receiving the returned card. They were aware of this error in XXXX. This is a Chase Sapphire error. 

I received a letter that Chase Sapphire has decided not to make this error right. The refund for {$7.00} was denied. I am paying a {$99.00} annual fee for less than 12 months of benefits for the use of this card. I also asked if the annual fee date could be shifted to one month to be due on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello. I am XXXX XXXX, DOB XX/XX/, XXXX years old, do not know English, and am XXXX, I have a problem with the credit reporting company Experian. 
In the past year up to today, my credit with Experian has been going up and down in illogical timeframes. Every month my credit score changes and goes up by XXXX points, and then a couple of days later they remove those XXXX points. Every month between 2-4 times my credit score changes, and I have barely any activity in any of my accounts. 
( This is something that does not happen with XXXX XXXX or XXXX, it is exclusive to Experian ). 
I am incapable of speaking to them because I do not know English, and on their website, there is no option to submit a dispute because all it says is to call them. 
Please take care of this, Attached to this complaint are two photos of all of the credit score changes I have had in the past few months. It is just simply illogical everything that they are doing. 
I would also like to add that every day in the afternoon, Experian sends me a notification about my credit score, and every time I go in to check it ( which I am tired of doing ), I see that my score is the same and realize they are sending me unnecessary notifications. 

Sincerely, XXXX XXXX
Product: Credit card

Citi is not helping with my dispute. Citi has made a mistake on there end for letting time pass. I did and provided everything necessary for the case. Merchant has not responded with anything valid to win the case but yet citi is sided with them due to there mistakes during the dispute process.
Product: Debt collection

Paid debt if full on XX/XX/2020. Sent certified letter with proof that debt was paid.
Product: Mortgage

I applied for a conventional loan with Caliber Home Loans. Then the loan officer advised me I do not qualify for a conventional loan since i had a foreclosure on my record. She tried to force me in accepting an FHA Loan. I spoke to the loan officer to let her know the payments were beyond my budget and she did not want to deny the loan. Since, I did not trust her explanation of why she wasn't denying my loan, I emailed her requesting her to deny my loan. She responded with an email with other mortgage payment options and not acknowledging my request to deny my loan. I emailed her supervisor and he responded by calling me. I explained to him what has transpired and he said he was going to look at my file and get back to me the next day. He has not gotten back to me as of XX/XX/22. 

I sent another email XX/XX/22 directly to my realtor and the loan officer requesting to cancel my contract and refund my deposit. I specifically used the verbiage " I would like to exercise my contractual rights '' and " please issue a release and cancellation immediately '' under the contract 's financing section : If Buyer is unable to obtain loan approval within the loan approval period, or can not timely meet the terms of loan approval, all after the exercise of good faith and diligent effort, buyer may terminate this contract ... ... ..... 
I received a " Release and Cancellation of Contract for sale '' on XX/XX/22 evening. It was signed immediately and Im awaiting seller 's signature to be finalized.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a replacement Credit Card from Chase card services ... I called the company approximately one ( 1 ) year prior to have the card go dormant ... My balance at that time was around XXXX  dollars however I made automatic payments of XXXXXXXX  dollars per month except for the months of XXXX and XXXX of XXXX at which time I paid XXXX dollars... The total amount paid for the period XX/XX/XXXX thru XX/XX/XXXX was XXXX dollars ... When I received the new card I called to have it activated again and was prompted electronically that I had late fees totaling XXXX  plus dollars which must be paid ... I contacted a representative of the company to discuss this issue because I never was late and normally paid more than the minimum amount due since inception... I was informed that one payment was XXXX dollars short unknown to me and late charges and additional fees kept added each month unknown to me.. The balance owed when I had the account go dormant was around XXXX dollars... The balance owed hasn't changed since I had the account go dormant..If I would have known that on payment was XXXX dollars and not XXXX dollars I would have paid it as reflected in my payment history...
Product: Credit card or prepaid card

Capital One Charged me XXXX  fees that shouldnt be charged. 
XXXX - XX/XX/XXXX - which was on Saturday not a business day, followed by a holiday on XX/XX/XXXX - XXXX XXXX - {$25.00} fee XXXX - XX/XX/XXXX - which was on Saturday not a business day. {$25.00} fee Total for refund : {$50.00} I require the refund for both fees that were incorrectly charged. I have always paid all my bills on time and those charges were not correct at all.
Product: Debt collection

I received a call on XX/XX/XXXX from a company called XXXX. They say I owe {$140.00} for Services at XXXX XXXX XXXX in XXXX XXXX. XXXX The alleged service was on XX/XX/XXXX. 
They claim that I received services at XXXX, despite my denial of ever having been there. I called my Medical Provider, " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX. They informed me that the only services I had was indeed on XX/XX/XXXX, was from my Primary care Dr., at XXXX XXXX XXXX, and that bill had been paid when it was submitted. I called my XXXX  XXXX XXXX, and their billing office verified my date of service, the amount of the bill, and that indeed it had been paid. 
This is the 3rd time that this company has called or sent me bills that are fraudulent. The previous bills were for the same amounts, {$260.00}, for XXXX XXXX at places I have never been. One was in Georgia, the other was XXXX, the same as this call today. Though the names of the labs on the mailed billing, and the account numbers were different the format on the statement was the same. After calling my Provider and having them verify that these were not legitimate bills, I figured that this XXXX was trying to scam me. When I received this call from their billing Dept. this morning, I figured it was part of the same scam, possibly duplicate billing, from different XXXX. My Ins., is a Medicaid provider, and I know that XXXX is notorious for Medicaid and Medicare fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED XXXX EQUIFAX AND XXXX ABOUT A BANKRUPTUCY ON ALL 3 REPORTS AND THEY TOLD IT WAS VERIFIED BY THE PA COURT SO I CONTACTED THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DONT REPORT TO CREDIT AGENCIES AND NEVER HAVE PLEASE HAVE THIS REMOVME FROM MY CREDIT REPORT IVE BEEN TRYING FOR 6 MONTHS NOW TO HAVE THIS INFORMATION REMOVED
Product: Credit reporting or other personal consumer reports

I requested account to be closed upon full payment on XXXX, 2023. The representative assured the account will be closed upon full payment. I made the payment in full, but the account remained active unknown to my knowledge or my permission. I need for this to be corrected, since its hurting my ability to gain credit.
Product: Checking or savings account

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear sir, I have received a letter from your company branch addressed XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. I do not recognize case number XXXX, which should be in website portal and this branch should mention this matter in the letter by relating with website account. Since banking matter is critical and private, which need to be clear and understandable for individual, I prefer all communication is in the form of written ones. Also, to avoid the impression of suspicious activities, I request your logo will be red. 
Sincerely,
Product: Credit card

I PAYED OFF MY LAST BILL. But they say that they got bill late. I mailed it on time. Now whether mail is slow or accidents in mail is not my fault. So they charged me for late fees & keep sending bill for late fees. I did call accounting & tryed to resolved. Forgot day & time but did talk to a gentleman to resolve. I told him close my account. They have it recorded. I want to stop th from harrassing me for a Card i finished paying off. Appreciate your help. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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