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

A gym membership with XXXX XXXX XXXX - XXXX, has reported as gone into collections and was reported on my TransUnion account as of XX/XX/26 ( I was not able to see it in my TransUnion credit report because they have me " locked out '' from my own report ) luckily I have a few credit monitoring service and I was able to see this and contest this immediately. 

There is no way that I owe this gym any money, never mind being in collections. Do you credit bureaus even do any real leg work to see if this information is correct or just take payments from any company that wants to report consumers over inaccurate items or gripes?
Product: Debt collection

I contacted this company to resolve the debt. My credit report is reporting a balance of {$3100.00}, but this company is trying to collect over {$3900.00}. I requested proof I owed this debt. They sent me a ledger, which indicated some of the charges were coming from repairs. I requested proof the repairs were needed as well as proof they were even completed. I never received this. When I offered to settle the debt, the person on the phone scoffed and told me he would not even submit my offer to the company. The account on my credit report also does not match any rental company I ever lived with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory listing on my credit report that was paid and satisfied. The negative report is from Sunrise Credit on behalf of XXXX XXXX XXXX in the amount of {$150.00} dated XX/XX/2021.
Product: Mortgage

I am writing to you because I am desperate.. I started a loan modification with Bank of America a year ago and I was approved XXXX XXXX, 2014 for a trial period then in XXXX XXXX, 2014 I was sent a letter that they had approved me for the loan mod. BofA Sent me the loan docs and we signed and sent them back to them. According to XXXX with the post Modification department at XXXX the permanent modification was complete and uploaded to their system XXXX XXXX 2014. After that the loan was sold to XXXX XXXX XXXX and they are not telling me that I need to come up with {$32000.00} dollars to bring my loan current and that they can not find any of the loan modification paperwork i did with BofA. My wife and I really can not take this any more we feel that any minute now they are going to take our home away. Please help me or tell me how to get XXXX to understand the previous transaction with BOFA. We had already signed loan modification docs and it was approved and uploaded and now I fear we are back to step one. Just because BofA choose to conveniently sell my loan. Please Help!
Product: Credit card or prepaid card

Got a phone call from XXXX, claiming to be Chase bank. 
Told me that they had been monitoring my credit report ( I don't have a Chase account, so they should not be able to check my credit report ) and wanted to offer me a credit card. I stopped the call at this point.
Product: Prepaid card

I received an AMEX gift card as a {$500.00} bonus/gift from my place of employment. Not as part of my compensation, just a gift for helping on a project but it keeps getting declined everywhere. 

There doesn't seem to be much my company can do to help with this issue. I've search online and it looks like a lot of people are having this issue with AMEX gift cards.
Product: Credit card

I Opened a new platinum card with American express as I was invited with a XXXX point signup bonus, requiring the annual fee to be paid immediately. I met all the terms of the signup bonus and was credited XXXX points. I spend XXXX a year on my amex everyday card, and found that i prefer the benefits and rewards of my everyday card, so i decided to close the platinum card before fee renewal as I do not travel much. I find out XXXX amex decided to claw back all my XXXX points, despite there being no clause or mention in the agreement that account closure before renewal will forfeit those points. I still have a rewards account tied to my amex everyday preferred card. Please help with this unfair and deceptive practice!!!
Product: Credit reporting

I disputed a judgement on my credit report with Equifax due to inaccuracies on my credit report. I asked for verification on XXXX items specific to the judgment. Their " investigation '' took 7 days and they sent me a form letter that not only did not address my XXXX original verification requests, it simply stated they updated the judgment to " paid/satisfied '' with no explanation. It is now 30 days outside of my original request, they did not validate my disputes in question nor did they remove the judgment from my credit report, and the only thing they will do is initiate another dispute, essentially giving themselves a " do-over '' on their own incompetence at my expense. I do not have this judgment on XXXX of the XXXX bureaus, and would like it to be removed from my Equifax credit report. At the very least, I would like an investigation be done to look into Equifax 's policies and procedures when processing credit report disputes.
Product: Debt collection

I am a victim of Identity theft. Someone open a XXXX XXXX account using my SSN.in another state. When I looked at my credit report there was an account that went to collection for {$1200.00}. So I call AFNI and told them that this was not my account. They gave me the information that I needed to do to file a complaint. At this point I was very upset because I have been trying to get my credit score up for sometime now. So I thought that they were trying to help me so when she asked my for my address, I said why do you need it and she said that they needed it just in case they found out something out about the account they would contact me. So at this point I was not thinking clearly so I gave her my PO Box number. The next day I get a statement account from AFNI in the mail with this other person name on it. I am not the person they are looking for and I do not want any more mail address to someone else coming to me.
Product: Money transfer, virtual currency, or money service

I am a Citi customer having a credit card for 20 + years and I have the same phone number for about the same length of time. I opened a new checking account with Citi. I have not been able to access the money a put into my checking account for 10 days now. Their excuses are ranging from me opening the checking account online, not giving me temp checks because it was opened online, I can't take cash out cause it was opened online, can't transfer money to a domestic other bank because my phone number is not registered with them and even though they send me a debit card it is useless because they would not send me the code to access my money. I need this code to set up my own code. I am using the same phone number they have in my records for 20 years! Then I call them on the number they have in a pop up screen when I want to transfer the money but they after I identified myself they said that my phone is not registered with them so they can not give me permission to transfer or access my own money. They did trial deposits into my out of state checking account and they still can not give me a code to do the transfer because my number is not registered. Then the phone clerk goes away and comes back saying do they have my permission to register my phone number and I said yes. Then they come back after put me on hold for 10 minutes saying they can not
do it because it is a land line. I said it is a cell phone. They said they can not give me the code for 14 days!

I am outraged that this bank is allowed to even operate in the US. Not one of the banking associates were American. They are in business of steal the funds of American customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled my insurance policy online early bc my car was no longer in commission. The website was down and so I called to verify it was canceled a few days later. The representative adjusted the cancelation to be prior to the bill due date due to the website issues and assured me I owed no further amount due. Now my credit score has decreased by XXXX POINTS for this unfair practice without ever receiving any collections attempts or so much as a phone call from XXXX. I have worked so hard to restore my credit from the XXXX for this non sense to erase at least a year of hard work and sheer determination to do better!
Product: Credit reporting, credit repair services, or other personal consumer reports

The attachment clearly shows that XXXX XXXX XXXX XXXX XXXX XXXX XXXX was correctly reported as Account closed at consumers request however such remark was removed inaccurately and the inaccurate Remark code added on XXXX, XXXX  as Account closed by credit grantor for a sinister purpose. Since it has been obvious that Account closed at consumers request is accurate, it was improper to remove it and replace it by adding FACIALLY FALSE DATA with the remark Account closed by credit grantor. Furnisher and CRA lack the required internal controls to prevent such Facially False Data which is impossible and conflicting. Such conduct constitutes a malicious willful FCRA violation and I demand {$1000.00} statutory damages and Permanent deletion of the account from every CRA file.
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 : XXXX/www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX CXXXX 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
Product: Debt collection

NCS has been contacting me by phone and mail in order to try and get me to pay some sort of debt that does not belong to me. The debt started at {$1000.00}. I have tried to get them to verify it, but no such verification has been provided. They simply sent a stack of papers, not one of which included my name, and a letter that they had typed up saying that the debt was mine. Every time they send me a letter, the supposed debt rises. They are now saying I owe {$7000.00}. I have asked them not to contact me by any way other than by certified mail and they continued to call. They have also posed empty threats saying they would have my driving privileges revoked if I did not pay them for this debt that isn't even mine.
Product: Credit reporting or other personal consumer reports

I Pulled my credit reports and noticed several unauthorized hard inquiries on each of my credit reports. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also " knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person ''. Please remove all unauthorized inquiries from each of my credit reports including Transition, XXXX and Experian. Each unauthorized hard inquiry is listed in the attached FTC Identity theft report which was filed on XX/XX/year>. Please send me a copy of my updated Credit reports once these unauthorized hard inquiries have been permanently removed. Please see attached FTC identity theft report.
Product: Credit card or prepaid card

Notified PNC of fraudulent activity on my card credit card on XX/XX/22 just a month after last reporting PNC for poor fraudulent practices. 

They turned off the credit card as expected and are sending a new one. 

However, disputed charges still remain AND IN ADDITION, PNC charged me a transfer fee without notice or agreement. I was charged a transfer fee from their card to their card while a victim of fraud. Shame on you PNC.
Product: Student loan

In XX/XX/2005, I co-signed on a loan that my mother was taking out for my education but I was only XXXX at the time of signing the document. That is not a legal age for signing a document. I have spoken to Navient over the last 10 years explaining that to them. They stated that I am still responsible. In addition, my mother as the borrower has struggled to pay back those loans and Navient has harrasssed us and forced us into forbearance a number of times. Now the two loans we received at XXXX each are now at XXXX each and are sitting in my credit as charge offs. I cant buy a house now and I think its unfair that I am responsible for a loan that I never could legally co-sign.
Product: Vehicle loan or lease

I have paid over XXXX for my car. According to the years reported on my credit report the loan amount is XXXX. At this time the agency reports that I still owe XXXX. I do not understand why. Furthermore, this vehicle should be written off according to the SantanderMulti Settlement where car dealership made fraudulent reports on credit application. Santander was made aware of this on XX/XX/XXXX after finally providing me with a copy of the application with the assistance of the XXXX. On XX/XX/XXXX Santander respond by saying sorry with no other information to resolve this matter. Santander was also made aware of the XXXX XXXX XXXX forgery as well. 

I have attempted to get this resolved for since the settlement offer, however Santander has continued to be noncompliant in providing accurate information. In fear of my car being repossed. I had to sign another contract until the year XXXX. 

I need help removing these accounts that negatively affects my livelihood.
Product: Debt collection

XX/XX/2021 at XXXX I have been repeatedly been called about someone named XXXX XXXX over the last 15 years. I am not XXXX XXXX I am XXXX XXXX and this has been my number for over 15 years. I do not have collectors calling me because I pay my bills. I want this to stop once and for all. I called this morning and was told they would remove my number as usual. This has been told to me in the past and it has not stopped. XXXX told me the company was EOCCA and would not give me any more information. The number that called this time is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.
Product: Checking or savings account

On Monday XX/XX/year> my account was overdrawn by {$1.00} On Tue. XX/XX/year> it went up to - {$27.00}. I deposited {$20.00} on XX/XX/year> and it brought the negative amount to - {$7.00}. This morning, Wednesday XX/XX/year> I checked the account, and it's now - {$74.00}. I called Regions Bank on my lunchtime to ask what was going on with the increasing overdraft fees, and the rep apologized and told me that by the time I get paid on Friday XX/XX/year>, that I'll owe them over {$200.00}! I asked for information on the increasing fees, and was told that she's not responsible and that corporate would have to be the people I'd need to speak with.
Product: Credit reporting or other personal consumer reports

I'm writing in reference to the letter I recently sent regarding an account I intended to dispute. Regrettably, I mistakenly included the wrong account details in the letter. It was an oversight on my part, and I kindly request that you disregard the dispute letter for that account. 

ACCOUNT DETAILS : Account Name : XXXX Account Details : XXXX Date Opened : XX/XX/2020 Balance : XXXX I will attached the recent letter that I sent so you can validate my request. Again it was an honest mistake, and I do apologize for the confusion
Product: Debt collection

PCB IncXXXX collecting on a debt that provider already admitted did not owe. I have submitted {$150.00} to this collection agency and they will not respond to emails or phone calls to refund payment. 

Please advise. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Yesterday, I went shopping at Gap store. When I checked out, the cashier asked me if I would like to receive an extra XXXX % off. I said yes and she asked me to type my birth date, SSN and annual income. I handed in my state ID and my XXXX credit card to her, and later she told me it 's done. After I received my receipt, I realized that I paid with another card ( gap card ). What a XXXX!? I did n't even know it is a card, even a credit card. How can she do that? Is it like a fraud? I did n't even have that card in hand ( which was not issued yet ) and activate it. 

After this, I did some researches online and I realized that this has already affect my credit score. I am a foreigner and I do n't know much about credit card things yet. I felt that was totally a lie/fraud to me. Now I just want to 1. pay the full bill. 2. Cancel the card without affecting my credit score. 

Thank you very much and hopefully hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of 2018, is holding my credit line from getting va home loan. the reason of these issues was my wife got diagnosed with XXXX and at that time i was between jobs and my wifes medical Needs came first
Product: Credit reporting or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The persistence of these fraudulent items is unacceptable and necessitates immediate, effective action. Each attempt has either been ignored or inadequately addressed, resulting in the continued presence of fraudulent items that undermine the integrity of the process. Therefore, I am pleased to ask for your assistance to remove immediately these fraud items in my credit file. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXXBalance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX  Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$960.00}.
Product: Credit card

I had auto pay set up on my XXXX account with a promotional balance divided evenly over the number of months in the promotional period to ensure it was paid off interest free. Because of an internal XXXX issue on their end, confirmed by their phone rep, the auto pay was interrupted and I incurred a late fee. I called a few months ago and had the late fee waived and a new auto pay set up. I advised the rep I wanted to divide the new balance by the remaining months of the promotional period in order to take advantage of the interest free offer. I was given the incorrect promotional end date by the rep who was able to set up three future payments on the phone. I realized this a few days after the promo end date and called and paid off the promo balance. Because it was a couple of days after the promo end date, I was charged {$65.00} for the interest free period. I asked for the interest charge to be removed and my request was declined by the phone rep. I emailed and asked again for the interest to be removed because this issue was caused by XXXX errors. Both requests were declined despite acknowledgment on the phone that it was their fault.
Product: Student loan

I attended XXXX ( XXXX in XX/XX/XXXX-XX/XX/XXXX ). I was asked to leave the school because I challenged the lies they told us about credits transferring, job pay rates after graduation and their methods of teaching and testing. I contacted Navient to being able to stop having to pay for this loan. I submitted paperwork they sent me and I was denied. I was clearly harmed by XXXX and lied to. I was again forced to leave the XXXX, Ohio location by an XXXX, XXXX XXXX. Not only was I denied relief from this loan, but was forced into forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX XXXX ) am in receipt of a letter received on XX/XX/2021 from XXXX XXXX XXXX. 

Per the letter it states the following Please be advised we have been unable to obtain the verification in the timeline required at this time. Therefore, we have requested the account be deleted from any consumer reporting agency files to which we have submitted information. 

Letter uploaded. 

It has been 88 days and yet the alleged debt and derogatory remarks remain on all three credit bureaus. See attached.