23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My credit card company , SunTrust, aut horized transactions that took my account over its credit limit, despite my never having authorized them to do so. ( In all my previous experiences with other cards, on the rare occasion an over-the-limit transaction was attempted, the transaction was simply denied and I used an alternate form of payment ). Consequently, my balance went over the limit for a couple of days be fore one of m y regular payments arrived. During this time,  SunTrust ding ed my credit report, flagging my account as having been over the credit limit. I am unsure if this is illegal ( though I  hope i t is ), but at minimum I find it deeply upsetting that a company with whom I have done business in good faith and always paid my bills promptly would authorize transactions taking my account over its credit limit, despite my never having agreed to this, and then immediately reporting negative information that will likely damage my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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Product: Credit card

I have had a Citi Bank Credit card for several years. Never missed a payment and several times I paid it off in full. Never late. 
My card was to be renewed XX/XX/2015 and for some reason it was cancelled. I called Citi Bank and they could not give me a reason for cancelling this card. I talked to XXXX different people and they could not come up with a reason. One customer service rep told me, your were late with your XX/XX/XXXX payment by 3 days. 3 Days? I told her that was no reason and I had made the payment but their not processing it over the weekend seems to have made it late. 
Now, if they knew they were going to cancel this card why did they not tell us? I had paid it off, in full and then used it on vacation. Why did they let me do that, knowing they were going to cancel this account? Why can they not give me a reason and keep transferring me from one rep to another? That was a very dishonest move on their part. I feel they took me to the cleaners knowing this was going to happen and knowing they would be charging all these hidden fee 's. 
So now they are calling me round the clock mainly at work and hounding me over their mistake. Now I am being added late fee 's, over the limit fees and being turned into the credit bureau. 
I just made another payment today online ( XXXX/XXXX/2015 ) and their late fees and interests are way out of control. And this is their fault, they can not even tell me why they cancelled the card. 
I do n't mind to pay my debt but I am not paying unfair fee 's and penalties. 
And this hounding me round the clock after all the years I have been a loyal customer has got to stop.
Product: Student loan

I was charged {$210.00} twice in the same month by Nelnet. They never answer the phone in a timely manner meaning I was hold for 3 plus hours. They are always understaffed and dont answer emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear XXXX XXXX and or XXXX XXXX : On or about XX/XX/XXXX I contacted XXXX XXXX about misinformation the company made and placed on my credit report. I disputed the information and contacted the DAC, ( Delinquency Assistance Center ), a XXXX third party partner. I spoke with XXXX who told me XXXX had provided the information I was disputing to XXXX, XXXX and Trans Union.
Specifically, XXXX said XXXX reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said XXXX XXXX  and or XXXX policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting XXXX to request mortgage assistance.
I was approved for a reduction in payment plan in XX/XX/XXXXand thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless XXXX reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts.
Any payments not made on my mortgage occurred because XXXX  instructed me to not make payments until after my modification was completed. I did as XXXX instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from XXXX explaining its policy with supporting legal documentation.
I look forward to hearing from you.
Product: Credit card

I walked into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on the afternoon of XX/XX/XXXX. I saw a young man setting up a table, appearing to be fundraising. Wanting to be generous, I approached him, and he explained that he was raising money for his church group and college fund. We spoke briefly, and I agreed to donate {$15.00} using my credit card. He had a card reader, and I tapped my card. He quickly packed up and left right after the transaction, which felt unusual. 

I checked my Discover account immediately and saw a pending charge of {$2000.00} from XXXX XXXX XXXX XXXX XXXX XXXX Realizing I had been scammed, I called Discover right away to report it. I canceled my card and asked what I should do. Discover advised me to start a fraud investigation, which I did. 

A few months later, Discover called to inform me that my fraud claim was denied because I had tapped my card. They then advised me to file a billing dispute instead, since I had intended to authorize only {$15.00}, not {$2000.00}. I followed their instructions again. 

Recently, when I called for an update, Discover informed me they could not help because I did not have a receipt or documentation proving the charge should have been {$15.00}. The scam happened so fast that I did not think to request a receipt, and the scammer did not offer XXXX. I also learned that filing this as a fraud claim first made it harder to resolve later, even though I followed Discovers initial guidance. 

I feel like I was misled throughout this process, which delayed any chance of recovering my money. As a long-time Discover customer who has always paid on time, I trusted them to protect me. Instead, I was given conflicting advice and ultimately left without recourse, while a scammer got away with my money. I would appreciate any assistance in resolving this situation and recovering at least some of the lost funds. 

Thank you for your time and consideration.
Product: Debt collection

XXXX XXXX XXXX placed a collection on my credit report in the amount of {$1000.00} which does not belong to me. They have not provided any validation that this collection is mine. Validation means to provide me with a document that has my signature on it that proves this debt is mine. They have only provided a bill, which is not validation. 

Furthermore, as I look on the IL website for collection agencies that are licensed or bonded to collect debts from me in this state, they are NOT licensed in IL to collect debts. They have placed this collection on my reports erroneously and are also not even legally eligible to collect debts in this state. I would like this debt permanently removed from all my credit reports ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax i provided you a idenity police report from XXXX Police Department and a case number ( card ) attached for the Detective who is handling this Idenity Theft Case. By law you were to investigate and remove these accounts within 72 hours. I have contacted the FTC to step in and assist if no results. I filed a Ftc report # see attached. I live in XXXX, Al someone has been using my information in XXXX XXXX Nevada. And obtain auto loans, housing, loan in my name please remove these items immediately from my credit file. According to Section 609 these accounts have not been confirmed or validated as mine im asking immediately removal. 
XXXX XXXX XXXX XXXX XXXX XXXX New Mexico ( never been to XXXX ) XXXX / XXXX XXXX
Product: Credit reporting

I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX XXXX XXXX XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have included and attached a copy of the police report, the judgement stating the accounts are not mine and I hold no liabilty, and my drivers license. 

Confirmation # XXXX Accounts XXXX XXXX Bank Account Number : XXXX Balance : {$3600.00} XXXX Account Number : XXXX Balance : {$4600.00} XXXX Account Number : XXXX Balance : {$9100.00} Inquires XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I tried disputing late payments on my credit report several times because they are inconsistent between all three credit reports which is a violation of the FCRA. I do not feel that i should be held liable for errors on behalf of Capital One. I have attached a screenshot of my credit report showing the violations of Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had a decrease alert from XXXX and my identity has been stolen since XXXX. And also my grandmothers and grandfathers. It is XXXX. And they are leaving me broke without a vehicle and XXXX embroyos missing and they have not help me at all. I have been thru XXXX and I am also working with the dea. Get my credit fixed. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX a XXXX and it is XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX
Product: Credit card or prepaid card

Three weeks ago XXXX mailed checks to Chase Bank to transfer the balances to XXXX. Only one payment was applied to my credit card with XXXX XXXX XXXX ( {$2300.00} ) and they still charged about {$27.00} to the account once it was already paid. 

We're on week three, XX/XX/2020 and the payment of ( {$5000.00} ) has not reflected my other credit card and they still charged my bank account the interest for this month. 

This is honestly showing that Chase Bank is doing this on purpose because they're trying to collect as much interest as they can. 

Receiving one payment only proves that they're holding off on the second payment to continue putting me in debt. It's unacceptable. 

XXXX confirmed that everything they needed to do on their end was completed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$44.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX Original Creditor XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXXXXXX Balance Owed : {$0.00} 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX In XX/XX/2020. I was requesting that a collection account be removed from my report. The collection company is Credence Resource Management. I informed XXXX that I had no knowledge of this account. XXXX  decided in my favor and deleted the collection account from my credit report. A short time later, the same collection account was re-added back to my credit report. I disputed this account again in XX/XX/2020 and XXXX decided against me this time and the collection account remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Nelson Cruz added a derogatory remark on my credit report per XXXX XXXX.Upon farther research this account was sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine.According ti the F.C.R.A Nelson Cruz has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C., by TransUnion, XXXX, and XXXX regarding the inaccurate reporting of a bankruptcy on my credit report. Despite my disputes over the past year, these credit reporting agencies ( CRAs ) continue to unlawfully report this bankruptcy, falsely stating it has been verified by the furnishers U.S. Bankruptcy Court XXXX XXXXXXXX XXXX and XXXX. I have a letter from the U.S. Bankruptcy Court XXXX XXXXXXXX XXXX confirming they do not report bankruptcy information to any CRAs, including TransUnion, XXXX, and XXXX. Also, I have a letter from XXXX confirming that the bankruptcy has been deleted from their records. These are the violations under the FCRA : 15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The CRAs have failed to ensure the accuracy of the bankruptcy information reported and relied on unverifiable sources.15 U.S.C . 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute, CRAs are required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. The CRAs failed to perform a reasonable reinvestigation, as evidenced by their reliance on false verification. 15 U.S.C. 1681s-2 ( b ) : Information furnishers are obligated to conduct a reasonable investigation when a dispute is forwarded by a CRA. XXXX has already deleted the bankruptcy, indicating the information being reported is inaccurate. The CRAs refusal to correct this inaccurate information has caused significant harm to my creditworthiness, emotional well-being, and financial opportunities. On XX/XX/year>, I filed a CFPB complaint, and the CRAs falsely claimed the bankruptcy information was accurate and verified. Also, on XX/XX/year>, I filed a CFPB complaint with XXXX and they have deleted the bankruptcy from their records.
Product: Debt collection

I was contacted on XX/XX/XXXX concerning a debt from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX I contacted them today to get more information on this debt. They state the debt was originally for a credit card obtained in XXXX with a balance of {$2000.00}. They stated they have spoken with me on several occasions and was told not to contact me again. They have ignored that and called me again on XXXX. When I spoke to someone at that time and also again today I requested an original contract with my signature on it. I also requested their surety bond number for the state of XXXX that proves they can collect a debt. I told them the statue of limitations is 4 years in the state of XXXX. I am being harassed for a debt from XXXX with no proof that it's mine. I was told that they will open a dispute for me and I answered I will dispute as well. I was told this will be reported on my credit file, why? This debt is from XXXX and no proof has been provided that it's my debt. They are violating the fair credit reporting act as well as my rights.
Product: Debt collection

i checked my credit. And saw a collection. notice from BERLIN-WHEELER-KS View Account Details Account owner Individual Account Date reported XX/XX/2023 Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/2023 and i have no knowledge of this account
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

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 I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is reporting a account on my credit report when I never had a account with them. My identity has been stolen and this company is using my identity for their personal gain.
Product: Debt collection

The company is continually calling my XXXXyr Olds cell phone, left a threatening vm that they were going to sue him. I 've called them 3x in regards to this matter stating they have the wrong phone number, and they said it was removed from their files not even asking my name, the number or anything. They are constantly calling and wo n't leave a voicemail. I just want the calls to stop!
Product: Debt collection

on XX/XX/2020, I paid a 'settlement ' amount with Amsher collection company for appoximately half of what XXXX said I owed them ( which is a whole other conversation entirely ). I am now, a year later, getting phone calls that this payment was 'declined due to insufficient funds ', which is a complete lie since I always keep several thousand dollars in my checking account. I had a confirmation number from them for the online transaction confirming that this had been paid. If this payment were 'declined ', they should have notified me immediately, not wait a year or longer to come after me and state that i still owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasion, I have requested to have erroneous payment status removed. On several occasions, I have asked Equifax and XXXX to remove this data and it has not been removed. I have included examples showing where each credit bureau is reporting a different delinquency for the same account and my example was ignored as well as the information that I requested from them in the allotted time. I have attached a second letter detailing once again what I have asked for over and over. Each credit bureau should be reporting the same consistent information. In the first letter that I sent I asked you to send me several items. I have attached the first letter and a follow-up letter. I am also including the evidence removed. I also want the temporary update freeze removed from my account. As a consumer, I have a right to dispute inaccuracies between the credit bureaus as much as I choose. I provided evidence and it was ignored. I would like to have the disputed data removed because it is not consistent and it is incorrect.
Product: Credit card

I paid {$290.00} on XX/XX/XXXX to reserve an XXXX XXXX for my marriage anniversary on XX/XX/year>. The XXXX XXXX was unsanitary and unclean from the previous occupants when I arrived on XX/XX/XXXX. I sent pictures to the host to confirm the room 's uncleanliness and informed them immediately that I couldn't tolerate the mess. I also asked for a refund. The host agreed to reimburse me within seven days. On XX/XX/year>, I inconveniently paid {$430.00} for a hotel room at the XXXX due to the XXXX XXXX being dirty. Two weeks pass, and my reimbursement has still not arrived. I contacted the host again to inquire about my refund, but I never heard back. I then contacted Navy Federal to contest the transaction. While conducting their research, they first gave me a refund. However, two weeks later, they said that I had broken the cancellation policy and that, in accordance with XXXX XXXX, they had not broken any terms or conditions. As a result, I have paid {$290.00} for a dirty room that I had not stayed in. If the XXXX XXXX had been as clean as it was supposed to be, I would not have canceled. They didn't make sure the room was clean when I arrived, which is against the regulations. I contacted Navy Federal again today to discuss the results and they told me the dispute was closed, the final decision was up to XXXX and for me to seek legal help if I want my money back because it was nothing they could do for me.