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

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/2018. 
XXXXXXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I did a balance transfer with Discover Financial Services. When I did the transfer, Discover approved same. A week later, Discover reported me to the credit ratings companies as being past my credit limit and my score dropped XXXX points to " poor ''. 
I called and XXXX XXXX From Ohio explained that when the transfer was approved, it was within my limit, but XXXX weeks later, Discover tacked on interest charges which put me past my limit without me knowing, being warned, nothing. 

Discover should extend credit that later on goes beyond the limit, and then report the customer and damage their credit. This will affect my interest rates and is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has two different cards provided to me. 
I FROZE one of the accounts with a smaller credit line of only {$4100.00} when I was issued a new XXXX card with $ XXXX line + airline mileage options. 

XXXX ALLOWED automatic purchases to go through on this card that was frozen and locked, and the amount due did not show up on the app as it is blocked out in RED due to the FREEZE I elected on it - nor did they send me a statement. 

They allowed for transactions NOT approved for over {$200.00} to go through without permission. I was sent a notice that my account was overdue- they issued a 30-day late on my credit report without proper notification that they did NOT correctly freeze the account + allowed transactions without approval to hit a XXXX account that I had no visibility to as it is locked ( red out ) on the app then penalized me unfairly. 

See screenshots - on the mobile app it shows my balance is {$0.00} yet the web portal ( that I NEVER USE ) shows there is a balance due of {$210.00} The charges that were allowed to go through without my permission need to be reversed and this unfair credit report and is illegal and needs to be corrected as does their mobile app that doesn't allow customers any proactive insight that there is even an issue.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed a fraudulent account on my credit report per following Experian Credit Report As of : XXXX XXXX XXXX XXXX Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  % {$470.00} XXXX Credit Report As of : XXXX XXXX XXXX XXXX Revolving XX/XX/XXXX Closed Charge-off XXXX XXXX XXXX  % {$470.00} XX/XX/XXXX, XXXX Credit Report As of : XXXX XXXX XXXXXXXX Revolving account XX/XX/XXXX Closed Charged off as bad debt XXXX XXXX XXXX % {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding a public record on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification  because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of this complaint or I will expect to see the item in question permanently  expunged from my record. XXXX Court US BKPT CT TN XXXX
Product: Credit reporting or other personal consumer reports

Unknown and Unauthorized hard inquiries on my credit account
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank is showing two months on my credit report that are 30 days past due. Months XX/XX/2022 and XX/XX/2022. I did not make that payment past the due date according to my signed loan contract. My due date is on the XXXX of every month. Those months I paid on the XXXX of the month. I paid on the XXXX which is the XXXX day not the XXXX day or after the XXXX day. This is not in alignment with the Federal Credit Reporting Act. In accordance with FCRA - consumers have between XXXX day AFTER the DUE DATE before their credit report can reflect a payment of past due over 30-days. 

A payment becomes a reportable 30-late to a CRA once it is 30 days past the billing due date. There is thus a period of 30 days where an account is late, and thus subject to late fees, etc., under the account agreement, but not yet a reportable 30-late. That is clearly set forth in the standard CRA reporting manual.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX- XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Company is reporting false information on my credit report and is refusing to remove them.
Product: Student loan

Hello, I have made on-time consecutive payments on my student loans via EFT bank transfer ( i.e. the company takes my payment automatically ) for the past 4 years, and now suddenly they are saying my account is past due and trying to say I owe over {$1000.00}. 

My payments were around {$310.00} for the past couple of years and then in XXXX they sent an email for me to update my financial statement, which I did, and then for XXXX/XXXX/XXXX the amount taken out of my account was {$510.00}. I assumed they just increased my interest rate and while it was difficult to make the payments I just wanted to keep paying my loans so I didn't contact them. 

Then as of XX/XX/XXXX I'm getting emails and daily phone calls regarding my loans " delinquent status '' and when I log into my account its saying I've missed payments and owe more than double what my usual monthly payment would be. I have all payment history and statements and there is not a single month I have missed since XX/XX/2014. I don't understand how if the company is taking money out of my account automatically I could have underpaid or had a late payment and am now being forced to pay thousands of dollars.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union reported an inaccurate balance of the amount of {$190.00} on XX/XX/year> to XXXX and XXXX XXXX to XXXX. The correct balance should be {$0.00} due to the statement balance having a credit of {$5.00}.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2023 to XXXX, Experian, and XXXX the following through credit karma. However the credit bureaus said they completed the investigation and everything was XXXX XXXX accurate. 

According to the law 15 U.S Code 1681a- Definitions ; rules of construction. 

The term " investigative consumer reports '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom she/ he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke with and how did they conduct the investigation.
Product: Vehicle loan or lease

PNC bank exploited my youth and inexperience along with XXXX XXXX XXXX XXXX XXXX to purchased this car a XXXX  XXXX XXXX during the month of XXXX, XXXX. As a young first time buyer of a vehicle they sought to undermine, manipulate, and exploit my youth against my better judgement all for the sale. 

As a matter of fact, I shouldn't have been allowed to purchase such a car with 'little ' to no credit history. The sale price of the car was in excess of {$20000.00} dollars not adding sales tax, etc. XXXX 's XXXX XXXX felt that PNC Bank would be a good bank to finance my car. 

This is when the issues began for me. PNC Bank charged my 24 % interest rate for this vehicle knowing full well this wouldn't be suffice for my income and amount of wages I was incurring working at XXXX XXXX XXXX. 

For the record, I couldn't make those payments of {$370.00} a month with an interest rate of 24 % percent and insurance for the car at nearly the same amount of {$350.00} a month. Based solely on financing options and how the discriminatory practices of PNC bank from as far back as XXXX.It wasn't going to be a good fit for my income and wages. Not only did I sought to ask for a price reduction and interest rate PNC bank refused to listen and as a result my car was repossessed for no keeping up with the payments. 

After receiving several notices and warnings about missed payments it was clear the car would have to be returned solely for a re-sale. PNC bank not only failed to recoup the amount of the car but instead sold it for a lower price only to cause me financial hardship and attempts to ruin my credit. 

As a young XXXX year old, I was completely blinded by these tactics used by car dealerships and bank at my peril. PNC bank has a fiduciary responsibility to ensure my fair and impartial sale of the vehicle of which I whole heartily believe used me for financial gains for the dealership with the interest rate based on my inability to pay and my need to have a car. This is unfortunately been the practices of PNC with its partnership with XXXX XXXX XXXX XXXX, Maryland XXXX. These types of unfair practices must be STOPPED. 

Now my credit is being destroyed at the moment and the account has been referred to a collection agency namely " XXXX XXXX XXXX '' which is the extension of " XXXX XXXX, XXXX '' which to me are the same company attempting to undermine the public through unfair practices of bullying, harassment, and coercive practice and violating laws in Maryland called " blue laws '' this must stop as well.
Product: Debt collection

PORTFOLIO RECOVERY was notified verbally not to call. Still receiving repeated unwanted calls daily. Immediately hangs up upon phone answer. 



Calls are usually around the same time in the day. 


XX/XX/20 XXXX XX/XX/20 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the unlawful student loans need to come off it's been more than 90 days since sent affidavit and now see attached documents Federal law permits you to dispute credit report errors with the credit bureau on whose report you find the error. You can dispute errors online via the bureau 's website or in writing by postal mail. If you chose to dispute the error online, you can even upload supporting documentation via the bureau 's dispute portal.

Law said if it cant be corrected it must be removed
Product: Credit reporting or other personal consumer reports

I've started sending out letters to XXXX, XXXX, and Equifax to review inaccurate information on my credit file since XX/XX/. I've went to simply asking to verify the account, to intending to file a complaint. I've just about had it and I need these items to be investigated immediately.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check {$110.00} ( check # XXXX ) from my citibank checking acc. to the  XXXX XXXX XXXX ( XXXX ) on behalf of my brother XXXX XXXX ( he is unemployment since XX/XX/XXXX and i am willing to let him borrow my money and support him daily basics including his passport processing fees ). On XX/XX/XXXX the XXXX send him a letter to deny the process his application because he owe child support. My brother called child support, and they ask him to pay about $ XXXX/month since XX/XX/XXXX while he is unemployment. The child support did not accept the fact that he is unemployment since XX/XX/XXXX. They enforce him to pay the old Court order with the amount when he was employed. Since his passport application was denied, the XXXX cashed the amount {$110.00} from my checking account on XX/XX/XXXX. We called the XXXX to ask for the refund, but the XXXX can not do the refund. We called the Citibank can not do either since the check withdraw in cash direct from the bank. I talked to the representative XXXX dispute units ID XXXX. If the XXXX can not provide the service, the check should not be cashed out from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 {$20000.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In honor of Aquifax. On XX/XX/2020 I received a reply to a complaint I filed. Sorry to hear from you such an answer. I'm not your servant. And not preparing to be, .please as you have spread about me. fraud. So remove it yourself. From all credit companies. Like XXXX. And XXXX XXXX. I complained about use without my permission and in my presence. Against XXXX XXXX XXXX Florida. And you asked me to come up with permits from the police. Something that took me. 4-5 months. Instead of a total. Remove the hard note that XXXX put on me. You have reduced me to your messenger and servant. But sorry you are public servants. And your function. Serve the public. And not the other way around. So take down all the scams you spread about me. You are abusing my age ( XXXX XXXX XXXX ). And that I do not know a language. So request you will teach your employees. How they are supposed to serve the public. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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.
Product: Credit card

Since XX/XX/scrub>XXXX XXXX  this company has made errors in accessing late payment fees and I received a fraudulent statement from XXXX XXXX XXXX stating that I requested a reprint of my billing statement or my billing statement was returned by the XXXX XXXX XXXX and that they had to send a copy of my statement to an updated address This was a Lie my address never changed I did not order a reprint of any billing statement and I did not receive all the late payment fees credited back to my account and I call customer service and they did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting responses from credit companies stating that the complaint isnt being submitted by me. I am submitting proper documentation to verify that it is me uploading these documents and filing this complaint. I am just trying to remove items once again that were negatively reporting and were on my report without my knowledge. They were removed from Transunion and XXXX and then somehow were put back onto my credit report. According to law 611 ( b ) ( ii ) it states if any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion on writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

It has been well over 5 business days and I received NOTHING. These accounts aren't mine and they need to be removed again please.
Product: Credit reporting or other personal consumer reports

Carmax continue report old account to XXXX. they violated FCRA 7 years rules
Product: Checking or savings account

On XX/XX/XXXX I signed up for a citibank account with a XXXX XXXX XXXX mile bonus for meeting qualifying activity ( XXXX in debit card charges+1 qualifying bill payment ). I met this activity but did not recieve the bonus. 

I've chatted with several times in the past, where each one they told me to just " continue waiting '' and it would post. I finally grew frustrated with this and escalated for an investigation. The investigation team told me the offer never attached to my account. 

This is wrong on two levels : Representatives have been confirming the offer multiple time in chat. Citi should have a record of our chat logs. 
I applied through a targeted email link I received from Citi, I am attaching a pdf of the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C. 1681s-2 ( 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. 

Account name : XXXX XXXX XXXX : # XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/18 I reached out to BOA for clarification regarding my XXXX and XXXX statements as I accrued interest on a purchase as the balance was unpaid however I a refund was initiated with the merchant that took some time. The refund was posted in the next statement and was for the full amount. However when I reached out to Bank of America to see if this could be reversed as this is usually what happens when the purchase was reversed/refund and the interest charge would usually be refunded but that wasn't the case when I reached out to them as they stated this is a valid charge and that nothing could be done about it.