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

On my Experian credit report, I have tried to dispute the 30 day late payment many times. Both XXXX and XXXX have made the appropriate changes, but Experian is just ignoring my requests for updates. During the COVID lockdown in 2020, XXXX branches were closed and I call them to tell them that I could not come it to make my payment on my credit line. Under the CARES ACT of 2020, my XX/XX/2020 payment should NOT be marked 30 days late., This is a violation of the law and under the CARES act should not be marked as late. Both XXXX and XXXX have made the updated notation, but Experian is ignoring my requests to update it. see attached report summary
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma ( unwanted marketing, unauthorized credit report monitoring ) : Ive tried unsubscribing from Credit Karma. I personally have never signed up for credit monitoring with this agency ; however, I constantly receive emails for alerts, for alleged collection items, appearing on credit report ( XXXX   was identified ). Emails have link to open to view collection item. I never press link, instead, I delete email to guard against spyware, Trojan, cyber threat. 

Ive sent request to Email provider/the device manufacturer regarding spam abuse, unwanted emails and to block Credit Karma. I still receive unwanted email messaging from Credit Karma. Credit Karma service is unwanted and I have concern my credit report ( s ) is ( are ) subject of unauthorized access from impersonation, unauthorized monitoring. Of importance, Im responsible for selecting a monitoring service at my discretion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that an account XXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh Transunion regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with Transunion and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with Transunion unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputes accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

This is regarding student loan servicer Navient. I was granted in In-School deferment XXXX that was scheduled to end XXXX. On XX/XX/XXXX I was informed by e-mail that they had granted by deferment in error and that I would go into repayment immediately. I got over XXXX e-mails from Navient over the next 24 hours. One e-mail informed me my payment due was {$680.00} ( this is the amount that has been listed for several years and the payment I was financially preparing for ). When I logged into the Navient website, it informed me that the payment was now {$720.00} and that they had added over $ XXXX in capitalized interest. before this my total in loans was approx $ XXXX and now it has swelled overnight to $ XXXX When I spoke to the customer advocate, she said some interest was added because the in-school deferment was granted in error and I now owed interest for that time period. She also said there was another mistake by Navient and I was never charged interest for a previous forbearance so that was added as well. However, I have gotten no explanation and no correspondence explaining why $ XXXX in capatalized interest was added to my account with no warning. I requested that since this is Navient 's own mistake that they remove these interest charges from my account. I have not gotten a response, the only resolution they offered was changing to a different payment plan, but that would still make me responsible for paying the interest for their error.
Product: Credit reporting

On XXXX/XXXX/15, I signed up for a 7-day trial period for Experian 's Credit Tracker. On that same day, I was able to see my FICO score. However, I was not able to print my credit report. Three days later, I once again attempted to print my credit report, but was unable to do so. At this point, I contacted Experian 's customer service department - I spent over XXXX minutes on the telephone with the analyst, and was still unable to print out my credit report. The analyst told me that they had not seen this issue previously, and submitted a ticket to investigate the problem. She provided me with a confirmation # XXXX for this issue, and told me to wait two or three days and then attempt to print out my report. On the evening of XXXX XXXX, I tried once again to print out my report, but was not able to do so. The problem had not been resolved. Then on XXXX XXXX, I sent an email to Experian requesting that they cancel my membership due to the fact that I was not able to access the printable credit report. However, on XXXX XXXX, Experian charged me {$21.00} for the XXXX month of service - when I called Experian that same day, they refused to reverse this {$21.00} charge, even though I told them that I was not able to access the printable credit report. I told them they, in my opinion, they were committing fraud by charging me for a service which I was not able to fully access. Nevertheless, they refused to reverse the {$21.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was involved in a auto accident that totaled my vehicle as determined by my insurer XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was sent a letter notifying them that XXXX would be paying off the balance of the loan. XXXX XXXX sent me an email notifying me that I did not need to make further payments on the account. I called XXXX XXXX to discuss the email I had received and they assured me that no derogatory information would be sent to the credit bureaus during this process. It is now XX/XX/2019 and XXXX has not paid XXXX XXXX and XXXX XXXX has reported a late payment to the credit bureaus dropping my credit score from XXXX to XXXX. There consumer relations group is worthless in trying to resolve the problem. My next step is to file a Federal Fair Credit Reporting Act Lawsuit against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$75.00} XXXX XXXX XXXX XXXX  Balance Owed : {$200.00} XXXX XXXX  XXXX Balance Owed : {$5200.00} XXXX  XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit reports pulled by a lender and realized that only TransUnion was reporting my data. After much research, it was determined that there is a problem with my social security number. It appears that at some point the last two digits of my social security number were compromised, and now both numbers are associated with my information. 

Please be advised that the last 4 digits of my social security number are XXXX, but some reports have it as XXXX. This error is having a detrimental effect on my ability to obtain credit and needs to be corrected IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX  Account Number : XXXX : Please remove it from my credit report. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

I have no knowledge of this account and did not consent to anything related to this account as it was fraudulent. I have been reaching out to this company multiple times to get this removed but they haven't done anything. Please block and remove the accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have had this dispute with Citi for over a year. We assumed this issue was taken care of because we didn't hear from them anymore. We had an issue with Citi saying we owed them {$6200.00}. We told them that XXXX which our balance transfer went through had a positive balance of the {$6200.00}. It was a long drawn out process but XXXX finally released that money back to Citi in XXXX. Now you would think this story is over since Citi now has that negative balance paid off. It's not. I thought my credit score would have gone back up after paying off that balance. I use XXXX XXXX  and there was nothing on there that had Citi on there anymore. It was like it never existed. Which is what we wanted, but my score remained the same. When I contacted XXXX  they told me I have a {$6200.00} balance with Citi. I said, no, that was paid off in XXXX. They said, no sir, it is on there. XXXX XXXX doesn't show it you need to go directly to us to see it. Now I call Citi to see what happened now. It's been over a year of phone calls. Well evidently they put me on a, " do not communicate status. '' I am not sure what they even means but the girl on customer service said, we are not to talk to you about this account. I didn't even know what was a thing. So now I am sitting her with this hurting my credit score. I have a company that put me on a do not communicate with this customer. That means they haven't sent an e-mail, a letter, or anything telling me that my account still has a balance. They closed this account. I want this taken off my credit report. I am trying to not have to take legal action again to get this resolved. If that is what they want to do, then they have to let me know. I know XXXX thing, they will not be getting any payments from me.
Product: Credit card

On XX/XX/XXXX, I received an email from Capital One regarding their promotion for XXXX XXXX membership. The subject and fine print of the email clearly indicated that the promotion was for XXXX years. I have attached a copy of the email for reference. 

I signed up for the promotion in XX/XX/XXXX. I was charged {$9.00} for the first time in XX/XX/XXXX and received reimbursement for it in my XX/XX/XXXX statement. Subsequently, I was charged {$9.00} each month until I terminated the XXXX XXXX membership in XX/XX/XXXX. However, I noticed that I stopped receiving reimbursements after XX/XX/XXXX. 

Upon contacting Capital One, the agent informed me that the promotion was only for XXXX months. However, I confirmed that none of the emails from Capital One mentioned this limitation. When connected to the agent handling disputes, he reiterated the same argument and mentioned that several other customers have faced similar issues and lodged complaints. 

I then reached out to XXXX XXXX, and they graciously offered a reimbursement for XXXX months. Despite repeated calls to Capital One, they have refused to reimburse me for the remaining XXXX months of XXXX XXXX membership. I did not use any membership benefits during this period and would have unsubscribed had the email from Capital One clearly stated that the promotion was only for XXXX months and not XXXX years. 

The confusion arises from the misleading promotional email from Capital One, which falsely claimed the promotion was for XXXX years. This claim was reiterated in a follow-up email with the first reimbursement in XX/XX/XXXX. I have attached a copy of the email here. Despite my repeated efforts to resolve this issue, Capital One has not addressed my concerns regarding the misleading promotion and the unused benefits of XXXX XXXX during this period. And based on the comment from agent handling disputes, it is very clear that I am not the only one who has been misled by this promotion.
Product: Mortgage

On XX/XX/XXXX I called and asked for the total balance owed and then made an ACH payment over the phone to Seterus in the amount of {$4500.00} for XXXX and XXXX and was charged {$10.00} which I was told was included in the payment amount. Due to a mix-up at my bank, the ACH payment was rejected/returned on XX/XX/XXXX. On XX/XX/XXXX I called Seterus as my online account still showed I was current. I was told that my balance due was {$10.00} ( the rep could not explain why I still had a {$10.00} balance when I had called in to get my full amount owed! ). He then said that I since I knew the payment would be returned that I could make the payment again. I did not elect to do this as I felt that if I made the payment at that time it may be considered as extra payment, not payment for XXXX and XXXX. I checked online and via automated phone again on XX/XX/XXXX and Seterus still showed my as current. On XX/XX/XXXX, my online account showed that I owed the XXXX payment, but not the XXXX payment. I called Seterus and the rep told me that the XXXX payment showed returned, and that the XXXX payment showed paid, but that the XXXX payment was in a suspense account. She could not explain what this meant, and could not transfer me to her Manager as she said he was not in today. She also stated that it could take up to 14 days to correct! This would make my XXXX payment 60 days late! When I asked if there was anything she could do, she said everything was automated and that if I made a payment today it would be for the XXXX payment now due. She also stated that there was no way to talk to the " payment people ''. When I insisted, she said she could send an e-mail asking them to check into it - which she said she did. She then asked when I would make the XXXX payment! - I'm still trying to make the XXXX payment!! 
Here are my issues : 1 ) I called for a full balance to pay for XXXX+XXXX+all fees and paid {$10.00} for the phone payment and was not give the right amount. 
2 ) Neither rep said I could make a payment to avoid my XXXX payment going 60 days delinquent and that they could document that it was a XXXX payment 3 ) The rep told me that XXXX showed paid yet that same amount was in a suspense account. And could not explain what that meant. She did not offer to further investigate and only did so when I insisted. 
4 ) There seems to be no escalation process for issues 5 ) After asking twice to speak to her Manager and getting stonewalled, she then told me he wasn't in today.
Product: Credit card

I applied for a PNC CashBuilder credit card ( for the first time ) which offered an incentive of {$100.00} ; the offer was sent to me by mail and I was approved. I met the criteria for the {$100.00} to be awarded ; however PNC states that the incentive will not be granted because I already received XXXX {$100.00} incentive on a completely different type of credit card ( PNC Points ). I 've never applied for nor had a PNC CashBuilder credit card until now and if the incentive that was offered was n't valid they should n't have sent me this Pre-Selected offer. I 've been an upstanding patron of PNC with the same checking & saving account and primary credit card for 28 years. PNC has no time frame allotted between bonuses awarded nor specifications on the different types of cards ( PNC Points, PNC CashBuilder ) applied for that eliminates eligibility for the {$100.00} incentive. Example : if you get XXXX {$100.00} incentive on a specific type of credit card ( PNC Points ), PNC does n't specify that the completely new different type of credit card applied for ( PNC CashBuilder ) does n't qualify for the {$100.00} incentive once received on the initial XXXX ( PNC creates new credit cards throughout the years so how would a consumer know ). Also, PNC does n't give any time frames on the duration of time that you will not receive additional incentives when your approved for other Pre-Selected offers with incentives attached. Example : If you meet the criteria for XXXX {$100.00} incentive, PNC does n't specify that if you apply for another completely different or the same credit card later within 1 year, or after 1 year, or after 2 years, or after 5 years, or after 10 years, or within a lifetime that you would not qualify for the {$100.00} incentive offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 14 hard inquiries from TransUnion report that are not mines... please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

`I closed my XXXX account # XXXX In XXXX 2021 ( after 20 years ) was sent a final bill of {$55.00} which was paid XXXX 2021 in full. The next month they sent me another bill and said I owed more money ( XXXX ) for a cell booster that they sent to me XXXX years prior and wanted me to return it. I had moved from that residence and no longer had the booster that was attached to that building. I was sent that booster as a courtesy because I was cancelling my service with XXXX since i had no cell service at work all day and at home I had to walk outside the building to get a signal. Nothing was ever said or signed for that I had to return this device or be charged for it or a contract. I contacted them numerous times but they insisted I return or pay for it ( I was a prompt paying customer for 20 years! ). They then turned it over to XXXX Collection Account # XXXX and then XXXX XXXX, Attorney Acct # XXXX. I have contacted both by certified letter that i did not owe the bill and sent proof of the Final Bill from XXXX for {$55.00} and to either send me proof that i had to return or pay for this item and if not to remove it from my credit. I have had no response from them since that. I started disputes with all XXXX credit agencies, XXXX removed it, XXXX removed it but XXXX will not. XXXX has reposted it on my XXXX using a different account number and they removed it again. I need help getting this off my XXXX credit report. I have very good credit and do not deserve XXXX or XXXX doing this to me especially after my loyal payment for XXXX  years.
Product: Checking or savings account

I opened an account with Navy Federal credit union so our agreement an contract gave my consumer information to extend my credit I had a car I sold so I had a cashier 's check from the company I never got my money next thing my account closed with out my consent or Authorization so XXXX XXXX manager of financial services told me to file a claim plus I was denied credit an I no 15 uSC 1605 ( a ) finance charges so I was robbed for credit, two insurance deposit for XXXX for checking XXXX for savings an it was stolen breach of contract 15usc 1681 15 uSC 1611
Product: Bank account or service

I opened an account at PNC Bank several months ago, and at the time was told that if I established a regular direct deposit, I could avoid the monthly service charge. However, while trying to setup XXXX XXXX, I discovered that I was being charged {$25.00} each month. At that point, I explained to the service person ( XXXX XXXX ) on the phone that this was not what I was sold initially, and she mentioned that that I actually needed to keep a minimum balance of {$500.00} to avoid the fee. Therefore, and in order to continue to incur charges, I asked for my bank account to be closed. However, I was put on hold literally for 49 minutes as the bank representative was trying to close the account. Then, the bank representative came back, and informed me that she needed to escalate the issue to the Retail Escalation Division ( XXXX XXXX ), since apparently she was unable to close the account. Bottom-line I believe that the bank representative was giving me the run around, and hoping that I hang up without closing the account. Finally, and 68 minutes into this call, I told the bank representative that I was going to hand up, and expected the account to be close immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  '' ... REMOVE ALL FROM CREDIT FILE