23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As of XXXX Trans-Union is reporting an XXXX Account status incorrectly. Their inaccurate reporting is damaging my Debt To Income ratio resulting in my inability to qualify for loans and credit. 
Trans-Union is reporting outdated addresses in the Personal Information section of my consumer reports. These outdated addresses are not deliverable and inaccurate. Also as a previous victim of identity theft I understand how this could leave me open to fraud.
Product: Credit card

I began with a {$1200.00} credit limit through Amazon.com courtesy of GE Capital Bank. That company then became Syncrony Bank. My credit limit was lowered to {$830.00} in less than one year. I had had no difficulties with payment and in fact had paid it off. Recently, my credit limit was lowered to {$650.00}. I had no difficulties with payment yet again. Syncrony states that their company does a periodic credit review and adjusts according to their findings. This always has an immediate impact on my credit score because it changes the ratio due to me holding a balance. I believe this practice should be illegal.
Product: Credit reporting or other personal consumer reports

{$500.00} XXXX XXXX XXXX {$340.00} XXXX XXXX {$600.00} XXXX XXXX XXXX I also have no idea what these are for but after I have left my phone in an XXXX one time my wallet was also attached to my phone case and i have no idea who found it or what they were doing with all of my information but my identity was stolen and it has caused me so many headaches and issues and id like the information from these people as to what it is I owe them for because every time i have submitted a dispute i have asked them for an itemized statement and no one can ever send me any information i have asked them for this is also a car from XXXX XXXX XXXX that was taken out in my name and i have no idea how or why these people were able to get it because my credit was horrible back then!!
Product: Credit reporting, credit repair services, or other personal consumer reports

the attached letter is regarding a XXXX XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX  XXXX XXXX has reported an inaccurate late payment delinquency for the XX/XX/2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as XXXX, equifax and XXXX  are not updating their reports, please help to have this inaccuracy updated from the reporting agencies thank you
Product: Checking or savings account

I deposited a check for {$20000.00} on XXXX I was told that there is a hold and funds will be available on XX/XX/XXXX I checked my account online and it showed the hold is off my deposit and funds are available. I went to my local key bank went to the teller asked to withdrawal {$15000.00} she asked me to put my card in machine I entered my pin and waited she advised me she need to ask for assistance. A man came over and directed me to a different window ( I asked sever times is there a problem? ) he said he needed a manager so the manager came over and said Im sorry we cant give you any money today?! I asked why and she said that she just cant give me any. I said the check has sat in the account to go thru the process to assure the funds were there. The paper they gave me said the money would be all available on XX/XX/XXXX so I expressed my concern as to why I can have any of my money she then proceeded to tell me that well the check is still in the hold process even though online it showed cleared no holds. I kept asking for a reason as to why I could not have any of my money and I was told that they are very busy and I need to leave.. when I got home I called the 1 800 number customer service and advised them what was happening the man said that without a doubt then funds had cleared and that he isnt sure why I was denied my withdrawal? He also called the bank and the told him that I was denied my withdrawal because the were suspicious of me? I am 100 % confidant I was discriminated against and profiled. I have all the proper identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 60 points due to me paying off a mortgage that was on my credit report for 13 years. Transunion shows this account as closed but did not reflect that it was paid off. 
I contacted XXXX and spoke to someone in a different country that I could barely understand. They stated that I lost that file off my credit report and therefore it was not used in the calculations of my score. I asked the gentleman to send to another Department to file a complaint. He stated that I should send it in writing. Once again I requested to file my complaint by phone. He refused at which time I asked for a supervisor. 

I spoke to another gentleman claiming to be a supervisor but he stated they exact same thing. He stated that they did not allow consumers to file complaints by phone and that I needed to file my complaint by letter. I asked for his supervisor and he told me that he would send me to the United States Legal Dept. 

This was at XXXX XXXX and the call was anserwed at XXXX by the Special Needs Dept. I spoke to a Lady who stated the same thing and that my credit history was not a reflection of my Credit Score. I requested to file a complaint by phone and She stated that they do not accept complaints over the phone. She then placed me on hold and stated that I could file a complaint over the phone. She stated that my complaint had been recorded and I asked for a compliant # for me to research at a later date. She stated that there was no complaint #. After I raised the question of there being no number then she said that there was a complaint # XXXX. I expressed to her that I was filing a complaint with the CFPB and she stated that number would be available for them to find.
Product: Credit card or prepaid card

Approximately around the week of XX/XX/2021 Bank of America contacted us regarding a payment that had not been received. We informed them that we mailed a check for the entire balance of statement on XX/XX/2021 in the amount of {$1000.00}. I informed them that upon receiving my next statement I would pay remaining balance in full and any previous balance. I did not feel comfortable giving my checking information out over the phone, especially over a call that came in at XXXX my time. There is far too much fraud in the world. At no time did they state that our card would be locked up for non payment. On XX/XX/XXXX I tried to use the card for the amount of {$40.00} and it was declined. I then called Bank of America and was informed that our card was locked up. As you can imagine, I was not happy. There was no warning. There was no text, email, or phone calls to tell me my account would be suspended. Had I not used it, I would have never known. 

During this entire mess we lost our reservation for a condo that was booked back in XXXX. We had a payment set for XXXX and because my card had been suspended without my knowledge the payment was declined. We lost our {$2700.00} deposit on the place as well. Had I known my card was suspended I could have fixed this issue before we lost our money. We now have no vacation and lost money on nonrefundable plane tickets. 

I then informed them again that upon receiving my bill I would pay in full. Upon receiving the statement for XXXX on XX/XX/2021, I called and spoke to XXXX and paid the balance of {$7600.00}. I made this payment via phone because I felt like I had no other option and things were getting out of hand. During that conversation I again expressed my frustration of being a customer for 21 years and with good standing. I always paid on time and most of the time paid the full balance when the statement arrived. I continually expressed that I understood that they didn't have to believe me when I told them I had paid the XXXX bill in full. But through my persistence in trying to get this problem resolved and my prior billing history should have stood for something. As most know, our mailing system is not what it should be right now. I noticed after further review that I had not received a statement in XXXX for XXXX XXXX XXXX which had a previous balance of {$2800.00}. 

On XX/XX/XXXX I received a letter from Bank of America, dated XX/XX/XXXX which was the day I paid the bill in full via phone. This letter stated that on XX/XX/2021 my credit score was lowered from a previous number of over XXXX to what it is now XXXX. This was also not brought to my attention. I had to find out from a letter more than 10 days later. This information was known on the call because it was done prior to my conversation on XX/XX/XXXX. I contacted my attorney, local bank and state representative to see how to address this issue. They suggested that I contact you to help get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a charged off account with Citibank Best Buy credit card in XX/XX/XXXX. I was told the balance would be considered paid in full and even received a letter stating this. The following month it was reported to the credit bureaus I still owed the remaining balance. I had to dispute this with the credit bureaus. It is now XX/XX/XXXX. The balance shows XXXX $ owed ( finally ) however ; they continue to report my account as a charge off every single month although I settled with them and owe them nothing. This continues to ruin my credit and show as current delinquency and is preventing me from getting anywhere with improving my credit score. I have filed 4 disputes against them. I want the charge offs gone from my credit reports and further reporting of a charge off stopped. I was offered a deal and have paperwork to prove it. I paid with money order and received a settlement letter. I want Citibank Best Buy to stop reporting me as a monthly charge off for an account that I no longer owe and I paid.
Product: Debt collection

I WOULD LIKE THE FOLLOWING FRAUD ACCOUNTS TO BE DELETE FROM MY CREDIT REPORT ASAP. SEE ATTACHMENT DOCS. 

PLEASE DELETE XXXX -XXXX  XXXX -XXXX  XXXX XXXX XXXX XXXX ITS SHOWIN LATES PLEASE AJUST THEM TO N/A-PAID FOR ACCOUNT XXXX XXXXXXXX FOR MONTHS XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/GL reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.
Product: Payday loan, title loan, or personal loan

Again I am sending this complaint. Because the company did not address one thing in their response. They did not respond to the 4 months of emails I sent their company which were attached THAT THEY NEVER RESPONDED TO. I DISPUTE EVERYTHING ABOUT THIS. THE TOTAL. ALSO I RECEIVED THE INFORMATION I OWE THEM XXXX. THE INTEREST RATE THEY TRIED TO SEND WAS WRONG. IT IS ILLEGAL CA LOAN. THEY MODIFIED THE LOAN AT SOME POINT BUT PRETEND THEY DID NOT. SENDING THIS TO THE CA ATTORNEY GENERAL AS WELL AS THE FINANCIAL BUSINESS OVERSIGHT DEPT OF CA NOW AS WELL WITH ALL OF THESE COPIES. SINCE I CONTINUED TO DISPUTE AMOUNTS ON THIS LOAN AND LOAN ME REFUSED TO RESPOND TO ANYTHING IN WRITING THEY ARE IN VIOLATION OF FDCPA. THEY LIE CHEAT AND STEAL AND I BELIEVE A LAWSUIT IS THE ONLY WAY TO HANDLE THIS. THEY DID NOT RESPOND TO ONE DISPUTE AND THEY ONLY WANT YOU TO CALL IN SO THEY CAN LIE. I RECORDED CONVERSATIONS WITH THEM. I REQUESTED THIS BE REMOVED FROM CREDIT REPORT IMMEDIATELY SINCE THEY REPORTED EVERYTHING INCORRECTLY. YOU CAN NOT REPORT DELINQUENT WHEN YOU NEVER SEND STATEMENTS FOR 2 YEARS THEN START SENDING OUT FRAUD LIKE EMAILS AND WHEN I QUESTION ITEMS YOU JUST IGNORE EVERY SINGLE EMAIL LOAN ME. YOU SEND OUT FALSE STATEMENTS AND I ATTACHED THOSE AS WELL. I WILL NEVER DROP THIS UNTIL IT IS REMOVED FROM CREDIT REPORT AND WILL MOVE FORWARD WITH LEGAL REPRESENTATION IF NEEDED. I DO NOT WANT THIS HAPPENING TO OTHER PEOPLE AND I WILL TAKE RESTITUTION FOR DAMAGES DONE. I HAVE NOTHING ON MY CREDIT REPORT REPORTED NEGATIVE BUT YOU BECAUSE I PAY MY BILLS. I DO NOT PAY ILLEGAL LOAN COMPANIES AND WILL CERTAINLY NOT PAY WHO YOU TRY AND PASS THE BUCK ON.
Product: Student loan

I dont have the dates, etc. I contacted the company. But I am burn trauma critical care XXXX from XXXX XXXX  and have severe XXXX from the pandemic which has affected me being able to work in my field. I didnt even realize my student loan payments had started back and now I have like XXXX missed payments on my credit report. There is literally no coming back from the amount if missed payments reported. I will admit that I am not the most responsible adult and I dont check my credit report until I need to which was last week. And I had worked so hard to bring it up to almost XXXX but for nothing. I am trying to get my life back together and reach some sense of normalcy but that involves my mental health. We were hit hard during XXXX ( XXXX, LA ) and a lot of us havent been able to receive the help we need and are owed to be honest. But to have this on top of everything really just XXXX. Its super discouraging and disappointing. I know this probably isnt what this bureau is for but XXXX reaching out to whoever will listen. Thank you.
Product: Debt collection

I continuously receive calls from the number XXXX leaving an automated message indicating that they are XXXX XXXX calling from Credit Management Company, and to call them back at XXXX. 

When calling back, the AI system claims I have a debt of {$130.00}. The human agent was less helpful. The human agent would not release any information without me providing to them PII ( Personal Identifying Information ), which I indicated that I do not provide over the phone to unknown agencies that called me in the first place. 

I indicated that if they feel that they have any legitimate business with me, they can contact me, in writing, via the XXXX at the address they must know I reside if they do in fact have a legitimate business relationship with me. I also requested that the phone calls cease. 

The agent indicated that they would not remove my information unless I provided PII. I indicated that I would file a complaint and that I would not release any PII. 

The last call took place at about XXXX pm ( XXXX ) onXX/XX/2024.
Product: Debt collection

Amount of {$90.00} for an hour parking at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
It took me over an hour of driving around to find parking throughout this historic neighborhood. I went in and out multiple times of different and the same parking lots since they were all full. I did park and pay at a Parking space and then I also parked at another handicapped parking spot. I also had to input the make and model vs the license plate. There were also people taking cash payments in some of them. It was chaotic. They have provided a pic of a moving car... Yes a car in movement in a parking lot. Not a parked car. This is unacceptable. And as I said, I also paid someone and cash to park. They need to have signs to say how they collect and how if you fail to keep your stub 3 months later as proof, a {$100.00} payment will be requested. I demand for this to be removed. For any parking facility to have ample handicap spaces close to were payment is to be made and a notice to keep your stub for 3 months down the row in order to provide proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my credit report in XX/XX/2017. I have no heard or received an update from trans union. Each time I follow up Im told they are still investigating the matter.
Product: Credit reporting or other personal consumer reports

In regards to the CFPS Experian lawsuit, I was negatively impacted after receiving a response from the credit agency indicating that the disputed account ( s ) were " verified. '' Unfortunately, the agency failed to provide detail information of the results and/or decision of their investigation ; which is in violation of the Consumer Financial Protection Act.
Product: Credit reporting or other personal consumer reports

I am a natural person and a living human being, I have rights under 15 USC 1681. 

XXXX and TransUnion are govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX or TransUnion written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$15000.00}
Product: Checking or savings account

We have a checking account with Chase Bank, and have had multiple issues with them keeping our information safe and secure at this point. But most recently, we were checking our account and going through the transactions and saw a {$40.00} withdraw from our account from an unrecognized vendor. We did some research and found out that it was a payment for a XXXX credit boosting credit card that neither one of us applied for or possess. This is a huge concern because there has been several times where people who weren't associated with our accounts have been contacted regarding our PII. My XXXX set up a XXXX account through Chase last year and it was completely separate from all our other accounts, but I kept getting all the emails regarding his business information. We just set up a joint checking account a few months ago, and when I had to call in to get our account unfrozen, for some reason, my XXXX who had absolutely no connection to any of our bank accounts were also called about this issue. Chase is not keeping our information and money secure at all.
Product: Payday loan, title loan, personal loan, or advance loan

I called XXXX in XXXX and informed them that I had a reduction in household income and wouldnt be able to make the monthly payment. I was ensured by the representative that my auto-pay would be paused and my account would be reviewed for financial assistance. I was advised I would receive notification once a decision on my assistance request was determined. However, the auto-pay wasnt cancelled, causing me have it borrow money to pay more important bills and for food. Also, I was never contacted or notified about my financial assistance request. The same exact thing occurred in XXXX and my payment was again drafted, causing financial hardship. I called again at the beginning of this month and was once again ensured my payment wouldnt be drafted and I would be reviewed for financial assistance. However, I just got off the phone with a manager named XXXX, who was very pleasant and kind by the way, but she told me no financial assistance was available and confirmed that my previous payments should not have been drafted but didnt know why. She ensured me that my payment for this month would not draft but that I should call back on XX/XX/year> to ensure it didnt. That doesnt sound very reassuring to me and I just want my auto-pay canceled until I can get back on my feet. However, I was informed multiple times that my auto-pay couldnt be canceled over the phone and I had to send them a formal letter via mail in order for it to be cancelled. That sounds like they are trying to make things as difficult as possible for their customers so please consider this complaint my formal written request to cancel my auto-pay. I will resume payments when I get back on my feet. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for ridicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on XXXX, Equifax, and XXXX. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The currently listed name is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX RE XXXX XXXX XXXX Account To whom this may concern, this is my second attempt to resolve a matter regarding the above account, The above alleged creditor failed to verify the debt therefore the IRS was informed, and the debt was discharged. I have previously sent in my 1099C which was approved by the IRS on XX/XX/XXXX. You are currently violating several FCRA violations, and United States Code Violations. 15USC 1681s-3 states the term CONSUMER REPORTS does not include transactions or experiences between the consumer and the person making the report. By publishing a balance on a charged off account is considered domestic, and international money laundering, under US code section 1956a2. Lastly, you are violating my privacy under the US privacy act XXXX. Please DELETE this account within XXXX business days upon receipt of this transaction. XXXXXXXX XXXX  account # XXXX