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

Again I Have Been Fighting PNC For Years About This Account This Account Was Not Authorized By Myself. I Need This Off My Credit. If I Have To Involve A Lawyer And Social Media Postings I Will Resort To That. This Is Impacting My Credit And Making It Extremely Difficult To Get A Home Loan. I Want Written Proof Of Ownership Of This Card And Proof That I Signed Up And Made These Purchases. Im Not Going To Be Held Responsible For Something I Did Not Do.
Product: Checking or savings account

I opened an account online about a month ago. Then I went in person and made a {$5.00} deposit. The only income I have is my Social Security. I made arrangements to have my Social Security check direct deposited into that account. On Thursday, XXXX, Chase closed my account. I was given no notice of the closure I found out when I went online to log into the account. So I called Social Security to ask them not to deposit the check into that account. SS said it was too late to stop the direct deposit. The cut off date was the XXXX, the day before. I got in touch with Chase, they said they could not help me. I asked them to just let Social Security deposit the check, and I can come get it in person. Chase said no. Chase said when the check hits the account, it will be returned to Social Security right away because the account is closed. I called SS. SS said Chase didn't return the check. I called Chase. They sent me to the fraud dept. I talked to XXXX. She said a Chase check was mailed out ot me on the XXXX. She said there is nothing they can do to help you. XXXX said they had no reason for closing the account, and kept repeating " there's nothing we can do to help you. I'm going to go now, there's nothing we can do to help you. '' XXXX said : " customers close their accounts all the time, and don't tell us why. '' I am in tears. I called back and talked to XXXX, sais I was going to sue them. He transferred me to executive offices. XXXX apologized and gave me a case number XXXX. I still don't know why they closed the account, and I am livid about them holding my Social Security check, and acting like it's nothing. It's not nothing, I have bills to pay before the XXXX. I've been waiting and waiting on that check, frantic with worry.
Product: Credit card or prepaid card

Could not log in to my credit card account on XX/XX/XXXX. 
Called credt card company and they informed me that because of two many log in attempts, a permanent hold has been placed on my account. I told them it was probably me since I was trying to remember my password when logging in. They said there was fraudlent activity with too many log in attempts and would not provide any details. I asked them if they would be sending me a letter explaining the details and they said they were in the process of doing so. I never received any notifications in the mail. 

I called them back on XX/XX/XXXX and they told me the same thing. I asked them how am I suppose to make payments on my balance outstanding without being able to log into my account. I had previously set up Auto Pay but I am not sure if it will work now. They said you will need to use other third party payment methods. 
This account was openned/activated in XX/XX/XXXX. I have a balance on the account of approximately {$5500.00} but can not confirm since my account is not accessible. I can not make payments from my checking account because of what they told me. 

The information presented to me seems unreasonable and I do not want to be late on my payments. My next payment due date is on XX/XX/XXXX and I had autopay set up but can not verify if it will work now. I also can not monitor my balance since they will not allow me to access my account. I elected to receive electronic statements and can not access them since my account is locked.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Reporting on Account Number XXXX with XXXX XXXX ( XXXX XXXX ) To Whom It May Concern, I am writing to address a discrepancy between the information provided by XXXX XXXX XXXX XXXX XXXX XXXX  and the late payment records reported by XXXX, XXXX, and TransUnion on my credit report. According to the credit bureaus, my account number XXXX experienced late payments in XXXX and XX/XX/XXXX and XX/XX/XXXX. However, after conducting an investigation, XXXXXXXX XXXX XXXX XXXX XXXX XXXX has confirmed in their letter addressed to me that my account has not been reported as delinquent to the credit bureau agencies listed over the last 24 months. 

Given the inconsistencies between the information provided by XXXXXXXX XXXX ( XXXX XXXX ) and the credit bureaus, I am concerned about the accuracy of the late payment records on my credit report. I understand that the credit reporting agencies have investigated these accounts and have deemed them verified. Nevertheless, the presence of inaccuracies on my credit report raises questions about the thoroughness of the investigation. 

As a consumer, I am entitled to know the steps taken by the credit bureaus to ensure the accuracy of the items in question, as outlined under 15 U.S.C. 1681i ( 7 ) Method of Verification - Description of Reinvestigation Procedure. I kindly request a detailed description of the reinvestigation procedure followed by your agency, as well as any documentation used to verify the late payment records on my account number XXXX. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require further information or clarification. 

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

XXXX XXXX XXXX was fraudently reported due to identity theft on my report In Accordance with the Fair Credit Reporting Act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting an inaccurate late on my credit report.
Product: Credit card or prepaid card

I got a discover it student card then applied for the discover chrome card got approved. They then closed my student card account with % 100 on time payment and a FICO score of XXXX. Also they closed the chrome discover it card. They have two closed accounts with discover and was wrongfully done. I would like the closed accounts not be on my credit account
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My  only thought is that my statement did not get to me. I kindly ask that you remove this late payment from my credit report. I am applying for a home mortgage and the late payments have dropped my score and are keeping me from being able to buy house.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

on XX/XX/2020, XX/XX/2020 I called the company several time to have the account removed. Before that I've sent several validation letters only to receive nothing in return. The company is not cooperating l and when i call they constantly send me on the runaround. I cant get any information and then when i do talk to someone they tell me to contact the credit bureaus to have it removed. Each time I dispute it the company says that they verified it, that is not true. They can not produce any paperwork or remove it from my credit file.
Product: Credit card or prepaid card

1 ) When I signed up in-flight for this credit card, XXXX promised an in-flight signup promotional bonus of XXXX miles on top of the XXXX miles that I would get by hitting a spending limit in the first year. I received the XXXX miles but customer service did not get back to me about the promotional bonus. And then they took away my XXXX miles even though they promised they wouldn't let it expire while they looked into this other issue. 

2 ) They created an additional frequent flyer account in addition to my existing one, despite promising me that they would be issued to my existing account. I couldn't use the combined amount and customer service never got back to me about resolving this issue. 

3 ) XXXX/Barclay never sent the {$100.00} voucher for meeting the spending limit and flying a XXXX   flight.
Product: Debt collection

Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I wanted to reach out regarding the following violations posted to my credit report 15 USC 1681 a ( 2 ) ( B ) Exclusion from a consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 U.S. Code 1681b - Permissible purposes of consumer reports I am doing my due diligence to restore my credit after one of the most toughest times in world history. As a consumer these are a violation of my rights. I am demanding that the following account be removed immediately. Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$430.00} XXXX XXXX XXXX XXXX  XXXX Amount {$420.00}
Product: Student loan

I went to XXXX XXXX from XXXX. Before I applied and got accepted, the school had a prestigious reputation. There were some rumors and talks about a lawsuit where there were false claims from the school telling students they would make certain amounts of money. Everyone working at the school reassured me and the prospective students that these claims were in the past and the school was different now. Of course, I believed it and proceeded to apply to the school and be surprised when I got accepted thinking it meant they liked my work and saw potential in my photography. 

Then shortly after I started going to XXXX XXXX, it got sold to XXXX. Immediately everything changed. They sold the old school where XXXX XXXX started. XXXX changed a bunch of staff members. And as a young adult, I got pressured in to always applying for and taking the maximum amont of student loans that I could. Even after asking why because I could tell it was too much, the " counselors '' pressured me in to taking the XXXX amount. I was told multiple times to take the XXXX amount and then immediately pay back whatever I thought I didn't need. Looking back, I see how obviously predatory this was but at the time I did not know any better. 

I was not alone in this practice. All of my friends and classmates that needed help paying for the extremely expensive schooling were told the same things. Take the XXXX amount whether you need it or not. 

We were also told time and time again that we could come out of school and immediately be making upwards of XXXX per year as professional photographers. Few of my classmates found work as photographers and none of them made anywhere near that amount. 

XXXX and XXXX XXXX lied and preyed on students repeatedly for many years. This is why all students who attended that school should have their loans canceled and all the money, including interest, should be returned to the students who fell victim to that predatory school. 

To date, I have paid {$97000.00} in private loans and I'm one of the lucky ones that managed to have a relatively lower, though still predatory and ridiculous, amount coming out of that school.
Product: Credit card or prepaid card

To Whom It May Concern, On XX/XX/2023 I logged into my XXXX XXXX XXXX XXXX issued by Wells Fargo bank and noticed I had been assessed a late fee of USD {$25.00} as well as an interest fee of USD {$48.00}. This was surprising as I have had no record of late fees on this account and thought I had paid off the balance in full for the prior statements. I then called Wells Fargo on the same day and was informed by a representative that I had been charged both fees as there was a balance of USD {$180.00} that had been left unpaid on my XXXX statement. Looking into the charges, I realized that my building had added those charges without my knowledge, given the card in question is linked to my building to pay for rent and utilities. 

In light of the unexpected charge and my lack of late payments prior, I requested that both the late fee and interest charges be refunded. The representative informed me that unfortunately only the late fee could be refunded and that the interest fee would not be removed. This seems particularly unreasonable, given Wells Fargo bank assessed the interest payment on the entire outstanding balance of my card at the time, totaling USD {$4300.00}, rather than only on the USD {$180.00} that was overdue. When I pointed this out to the representative, they sought a supervisor, who unfortunately upheld the original decision not to refund any of the assessed interest charge. 

This not only feels unreasonable punitive, but also markedly unfair given other financial institutions routinely refund assessed interest for first infractions on request. Even if Wells Fargo chooses not to follow this industry standard, I would think that it would be reasonable to only charge interest on the actual amount overdue vs. the much larger standing balance, the vast majority of which was not in overdue status.
Product: Credit card

On XX/XX/XXXX I made a payment online to my QuickSilver card For {$1000.00}, thw payment went through as {$10000.00}. I then had a credit on my card of XXXX. 
I contacted my XXXX XXXX, and they said to ask the credit card company, Capital One, for a refund, which I did. They told me the refund would arive in XXXX to XXXX  days by mail. 
On XX/XX/XXXX Capital One took {$9400.00} out of my credit card account, saying they had issued a check and I would get it in the mail within 10 days. I have never recieved a check, and have made numerous calls to Capital One. At firtst they said they were tracking the check and it was on its way. Now they say they can not find the check. 
Now they say they need to reseach the check and then they can get back to me in XXXX to XXXX  days and let me know what they can do. 
I have waited over XXXX XXXX so far for my money and they say at least another 2 months
Product: Debt collection

They are claiming that I've went to the hospital on dates that are not right. Ive asked for them to send proof from the original person the debt was owed to and all they sent me was a statement of what was owed. The company has repeatedly reposted the same debt on ti my credit continously driving my score down and preventing me being able to use my credit.
Product: Debt collection

XXXX XXXX XXXX XXXX opened a collection with California Business Bureau on XX/XX/XXXX and they posted a collection on my credit report for {$470.00} on behalf of their client, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I called the collection company to inquire about paying off the {$470.00} listed on my credit report and I was told by the representative, that the amount owed is {$700.00} ; that they don't include fees and interest. 

I have never received any written documentation from the original creditor that I owed the {$470.00} posted on my credit report.
Product: Debt collection

I found out about it in the mail this weekend from my employer. My check was garnished the next day. If I had known it was going to court I would have showed up. Now there is a judgement and they took out money right before XXXX. I should have been served. They should have given me options. I was in the hospital.
Product: Debt collection

This collection agency has not identified what debts are owed nor to whom. My hospital visits were supposedly processed by a social worker whom stated that I would not need to pay for my stay, medication, nor anything related to healthcare due to me me being indigent and homeless. I have attempted several times to contact the debtor and ask for a breakdown of the bills in question and have not received a response. I have also disputed based on not having enough information to identify the debt and they have failed to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXX Balance : {$28.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$33.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Other financial service

Global Financial Solutions has been taking {$300.00} from my account for 2 and half years. Plus {$100.00} to another creditor also takes out {$100.00} per month. My total debt was {$18000.00} they told me I will save {$4000.00} for settling because they will help me settle but now I received lawsuit from my credit card companies and Global Financial Solutions is telling me that they did not pay these creditors suing me now because not enough money. I do n't know what they did to the {$9800.00}.
Product: Credit reporting

I have filed a dispute with Transunion several times I have with through this Bureau of Consumer serveral times as well. Im at my wits in. I have disputed items on my credit report with Transunion I have had fraud alerts placed on my account it has been past 30-45 days since my dispute and yet nothing has been communicated back to me and according to the fair trade act it should be removed along with the XXXX hard inquires that are report from XX/XX/XXXX-XX/XX/XXXX. Please handle and resolve this once again
Product: Money transfer, virtual currency, or money service

On XX/XX/year> in the amount of {$300.00}, I was scammed by a merchant for a car part. On the same day, I contacted Venmo to let them know about the fraud and requested a refund under their purchase protection policy. They claim they opened an investigation into this matter, but have since denied and closed the case. They do not have a valid reason for denying the case. they stated because the gas emoji was used for the transaction description that I am not entitled to a refund. I was coerced into using that description by the fraudster. I have submitted proof of this fraud and have been unable to get resolution. Venmo lacks accountability for the protection of the consumer.
Product: Checking or savings account

I received an email on XXXX/XXXX/XXXX  that an account and secured credit card was opened with Chime. I called immediately and spoke with a representative that stated i needed to make a complaint to proceed. Ive already made a police report back in XXXX regarding fraud with another Bank. I am a very secure person. I dont shop online. Ive done everything that is required to protect yet more things keep happening.
Product: Credit reporting or other personal consumer reports

Inquires for loans that i did not authorize, 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