23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/ I went to my my rent, my debit card was declined. I knew something was wrong because that was my pay day. I checked my online banking and it said blocked on all 3 accounts. I had over {$1700.00} in my checking and exactly {$300.00} in my savings. I immediately called Citibank and the XXXX lady said she had no further information and that a letter was sent out, the money owed to me would have to be sent out by check but didnt know when. When I asked to speak to an account supervisor she hung up on me. I am a single mother with mouths to feed. No I have no money
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX XXXX had an issue with applying for a XXXX XXXX and COMENITY doesn't give you any info if they have received or are processing the request for a XXXX XXXX and use a XXXX code. I then had to spend hours on the phone and ended up with XXXX speaking to XXXX who was very helpful in freezing my account and updating my INFO. 
SHOCKED that my XXXX was wrong and other stuff and at XXXX had never had an issue and never pulled any info due to issues with credit score etc so I never bothered. Meanwhile, I have multiple applications over the years for credit and never a problem due to the source checking all the facts and the last being XXXX XXXX XXXX  with this video on my phone of my profile etc - saying my SSN over the phone where people could hear and other sensitive info. So that was earlier this year and buying a car in XXXX so something should FLAG THIS and be verified if there is a mistake and just gets overlooked? 
Meanwhile I get turned down basically for this instant XXXX credit per se. SINCE I was informed by text thaXXXX XXXX XXXX XXXXXXXX approved a credit app for XXXX XXXX XXXX XXXX and called them and had it removed. I then called XXXX- they show the COMENITY soft inquiry and I advise of a credit text from XXXX XXXX this isn't showing up on my report so guessing my XXXX was hacked or the XXXX is hacked. There is a multitude of issues, but just starting with my XXXX problem for now, I received XXXX letter today and wants me to call within 14 days. I'm not sure why they can't process in store but using phone isn't safe with XXXX. We need to stop this process. Many hours on phone and no one really cares and now I know I need to check my credit report for accuracy. Also my score is down so how do they know what my income is. I'm married so no questions or info verification is shown and guessing they look at my SSN. This is too confusing since I don't have a single blemish on my credit and I'm not overextended as I pay off everything and really isn't very clear to me what these standards are. Not pleased with their assessment of my credit. Used to be in XXXX 's! I did apply for this in my name only as well as the furniture so not clear on that issue either,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Debt collection

I filed a complaint with this company a month ago I received notice that things would be fixed. They were. However within a week or so they reported false information regarding this issue again. It is stated that a payment was made after the charge-off that is not true. The vehicle has been sold to someone else and it is showing up as if I owe them or have the vehicle and I am making payments. This issue has been going on for XXXX years now. Its very frustrating and it is affecting my credit from me being able to purchase a home. I have spoken with XXXX XXXX at Kia finance who has been the only person trying to help however it seems like when things are looking up with this situation it comes back to being ruined again. I want this removed off my account like Kia finance stated they would. How can they report good then all of a sudden take it back and say payments are being made no they are not. My last payment was the day I turned in vehicle due to military leave XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

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, DPT EDXXXX, US DEPT ED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX reporting to XXXX XXXX Transunion and XXXX . 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Transunion and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update or remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$410.00}
Product: Credit card

On XXXX/XXXX/15 I received the following offer from my Paypal MasterCard : " The choice is yours this holiday season -- Earn a {$25.00} e-gift card when you spend {$75.00} or more with your PayPal Extras MasterCard ( R ) now through XXXX XXXX, 2015. * ( Maximum of XXXX {$25.00} e-gift card can be earned. ) " I activated the offer & charged $ XXXX+ on my credit card the following day. On XXXX/XXXX/15 I contacted their customer support via email asking when I could expect to receive my e-gift card. First they requested that I forward the email to them with the offer, then they requested I copy & paste the offer in an message to them. After 5 back & forth messages, they told me that I had to call their customer support phone number. Each message from them was from a different person, never the same one twice. I call the phone number I was referred to & after more than 30 minutes, I was told that I had to be transferred to someone else. After another XXXX minutes & telling my story again, I was told that the first person should have helped me & was transferred back. At this point, I told the rep to cancel my credit card & not to send me any further correspondence other than resolving this matter. After nearly 45 minutes with the next rep, I was told that because I had cancelled my credit card, I was no longer eligible for this offer!
Product: Checking or savings account

Back in XXXX, my accounts with chime and XXXX XXXX were fraudulently accessed and used over {$1000.00} and chime and XXXX XXXX both refuse to refund my money. Chime says that I have not been able to prove that the transactions were fraudulently done by someone else, when that is not the case I have police reports, and sign that affidavits from people stating that I never left the state or use my card at any of the locations that the card was used at fraudulently along with a slew of other evidence to prove. XXXX XXXX will not refund my money because of losses from a fraudulent XXXX transaction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX : 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having major issues with finding inaccurate/ invalidated accounts after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and Experian by mail on XXXX separate occasions about correcting my personal information. I have sent in multiple copies of my identification card and my mortgage statement showing the correct name and address. They are refusing to update this information which is linked to multiple negative accounts that DO NOT belong to me! This is damaging my credit report as I have not been able to apply for anything in the past 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. 

XXXX XXXX XXXX  account # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX  account # 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 or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit card or prepaid card

I have a debit card with my Bank of America bank account. 

On the XX/XX/XXXX, I was charged {$35.00} for a merchant called XXXX. Clearly, this seemed to be the dating website XXXX which I do not use, let alone pay for. I called the bank to dispute this and they said they will do so, but more than a month since then the charge has remained on my account. 

I cancelled my old debit card and received a new one with a new number. However, on the XX/XX/XXXX, I was again charged by the same merchant {$35.00} for a " RECURRING '' charge. 

I tried to call BoA but was constantly put on endless holds. I wish this can be resolved and prevented in the future. As a XXXX with limited amounts of money ( that I earn from campus jobs ), {$70.00} is half a week 's work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Eastern account contacted me by phone by a rude representative demanding the last XXXX of my social security number. They never told me what the debt was but sent a letter a few weeks later. This was from XXXX, but my account had been closed a year and paid in full. I attempted to dispute this debt by sending in the form from the letter sent to me on XX/XX/XXXX. The response back was a request again for my ssn and date of birth. My requests for more information has gone unanswered and the creditors hasn't made any attempts to resolve this false debt attached to my name.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX  XXXX, and XXXX XXXX  was never late! I have had exceptional payment history witH 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 my 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b 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, and 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX COMENITYCAPITALXXXX 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 requested XXXX look into the above credit inquiries and they conducted an investigation and they completed it on XX/XX/2023 XXXX I also reported these inquiries throught IdentityTheft. gov. These inquiries are still showing up on my credit report when I never applied to do business with these companies.
Product: Checking or savings account

On XX/XX/2019 I received a letter in the mail from Ally Bank stating that they were giving us 15 days and then our account would be closed. The letter was dated XX/XX/2019, so 8 of the 15 days had already passed before we were notified. Ally Bank did not call us about the issue either. I repeatedly contacted Ally Bank customer service in their online chat and on the phone during the next few days and they wouldn't extend the time period before account closure and they wouldn't let us keep the account, and our savings account open. 

I think that they should have made more attempts to contact us regarding the account closure and we should have had 30 days notice, not 6 days notice. Notice period needs to begin when customer acknowledges receipt of notice and not just when Ally Bank company decided to date their letter. 

Ally bank won't even honor outstanding checks that hadn't been processed before the account closing date. I think that Ally Bank needs to be held accountable for shady business practices.
Product: Mortgage

In XX/XX/2022, we made a phone call to Roundpoint mortgage to find out how much we needed to pay so that we could drop our PMI. We were told an amount and paid extra at that time. When we called back to see why we had not noticed PMI drop off of our Bill, we were told that submitting to have PMI removed was not enough, but that now we had to have our property appraised. This was not in the agreement when we signed the contract to purchase the house. We submitted the form to have it removed, but every time we called, we got a different runaround, as if no one really knew what to do. At one point, we had a lul in calling because we were exhausted over the process. No one would return our calls and the whole process has just escalated. 
Finally, this last week we received notice that PMI had been dropped. 
After spending a long time on the phone with someone from Roundpoint today, I feel its only right to reach out to you because I feel we have been done wrong. I feel we should be reimbursed for the many months of paying PMI after we had done our part to drop it. The customer service has been less than and after my conversation today, I realize this whole process has been about money. We have never been late on one payment. We would appreciate any advice or help we could receive. Thank you so much.