23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A woman called me and immediately asked to speak with XXXX. When I said that yes this was XXXX, she claimed to be from " The Best Service Company '' and immediately asked me to verify my identity by providing my date of birth and the last XXXX of my social. She did n't even ask what my last name was. I became suspicious, so I asked what her call was concerning. She then said that she could not discuss that with me unless I verified my identity. I then told her I feel hesitant to release that type of sensitive information over the phone to an unknown company that I did not personally call. She then said " I understand, is your date of birth **/**/**** ( She stated my full date of birth to me. XXXX '' I then told her I am not comfortable confirming any sensitive information regarding my identity until I know the reason for the call. She told me that She could not tell me until she verified my identity. I then told her we were at an impasse since I have no knowledge of any relations with " The Best Service Company, '' and I would be unable to provide her with any information. She then hung up. I called the company back and asked a representative to put me on their do not call list. They agreed without obtaining any information to actually do so, then hung up. Due to the fact my information was shared over the phone without my consent, I contacted Transunion and had a fraud alert placed on my file. While reviewing my credit statement, I saw that The Best Service Company had placed a statement on my credit report claiming that I owed them a debt of {$420.00} for an account with a local credit union, whom I have never had a line of credit with. I filled a dispute against the statement on my file. I am appalled that my personal information was disclosed over the phone, allowing for a simple " yes, or no '' answer to suffice as an adequate verification of identity. I am additionally aggrieved by the fact that my information was so easily provided to an unverified caller, who may not have had previous knowledge of the information shared. My privacy has been infringed, and my personal credit has been falsely affected in a negative light.
Product: Credit card or prepaid card

My XXXX year old son has a sub-account under my Bluebird account. Because he is old enough, he tried several times to create his own master account under the Terms of American Express. 

XXXX2017- applied on line for American Express Bluebird pre-paid card and got message " unable to create account. '' XXXX2017- contacted Amex Bluebird by phone. Spoke with customer service who put us in touch with tech support. Tech support suggested that we try different phone and email address. We still were unable to create the account. 

X/XX/2017- later on- contacted Amex BB customer service. They were unable to give more tech support, but I held for quite a while for a supervisor. Supervisor, said that although I meet the qualifications, Amex would not issue a card. She gave no explanation, even though I asked.
Product: Credit card

I got a Mastercard with Barclay Bank, which offers mileage with XXXX XXXX. I misunderstood and believe I was misinformed about the credit card protecting against expiration of miles accumulated. Additionally, for one month I never received a bill and so ultimately paid the bill late. I excluded the penalty fee from my payment. I have tried to cancel the credit card and was told that I could not do this because the bill is not paid. For the past two months I have been charged a penalty because I have not paid anything towards the original penalty and so now as a result of penalties for prior unpaid penalties, the bill is now {$100.00}. I want to cancel this credit card and believe I should not be held responsible for the penalty. I am shocked that Barclay will not allow me to cancel the card and at least put a hold on further charges. My credit card account number is XXXX. 
Thanks very much for your help with this complaint.
Product: Debt collection

EOS CCA is attempting to collect a debt that they purchased from XXXX XXXX XXXX in 2012. I 've disputed this bill twice through XXXX. I assert this is not my bill. They also do not recognize this as a violation of the state of Louisiana statute of limitations on phone service collection of 3 years. They assert that this falls under the 10 year contract statute. I 've contacted XXXX and they do not have a contract with my signature. I would like EOS CCA to cease and desist and remove this collection attempt from all credit reporting agencies.
Product: Checking or savings account

A check from XXXX XXXX on the amount of XXXX $ was deposited/cleared into my account on XXXX/XXXX/202. Following the confirmation from the bank manager, I took XXXX during the following days. On XX/XX/2020 the transaction was reversed and my account went XXXX reason was XXXX. TD Bank froze my account and collected the direct deposits of my SS and stimulus check that followed. I was left without any source of income for basic necessities and forced to borrow money from neighbors. I was not responsible for TDbank 's failure to communicate with me and other financial sources. I need to retrieve my SS/stimulus check that were used to cover the bank 's errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act

Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Account Number : XXXX Please remove it from my credit report.

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Delete this account.
Product: Student loan

I can not get a statement nor could I get a payment mailing address until after the first payment was due.
Product: Checking or savings account

city bank withdrew money from my checking account claiming that it was their deposit while it was return from a canceled transaction which somehow disappeared from my bank monthly statement
Product: Debt collection

SECURITY CREDIT SYSTEMS Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Repeatedly contacts my elderly mother to collect an alleged debt from a College I have not attended since 2012. Has published/ reported the debt to my credit report. The alleged debt does not match any number from any invoice or communication I had with the college. 

This firm is attempting to collect an alleged debt that is older than 10 years. 
This firm misrepresents the total of the disputed charge. 
This firm repeatedly harasses family members ( who do not reside with me, share phone plan, or live in the same state ) to collect their alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute on XX/XX/2021 with Equifax, by law they have 30 days to complete their investigation. Has of today XX/XX/2021 they have not completed their investigation. 

Their behavior is a violation of Federal law. They violated the law by keeping, reporting negative item which was over 8 y old
Product: Credit reporting or other personal consumer reports

I recently seen some unauthorized inquires on my credit report on XX/XX/XXXX, which I did not sign any paperwork for or have consent I am completely unaware of this matter that took place during XX/XX/XXXX. Also my credit has been involved in a XXXX XXXX XXXX data breach as well as XXXX.
Product: Checking or savings account

I contacted capital one about my deposit they have no information because a third party vendor is down. I need my money. Yall are playing with my money that I work hard for
Product: Student loan

I have XXXX loans being serviced by EdFinancial. XXXX is a XXXX - XXXX loan ; XXXX is a XXXX - XXXX loan. I did not make payments on the loans while the XXXX forbearance was in effect. 

On XX/XX/2023, I made a trial payment of {$360.00}. 
On XX/XX/2023, I made a payment of {$20000.00}. 
On XX/XX/2023, I made a payment of {$430.00}. 
On XX/XX/2023, I made a payment of {$460.00}. 

With XXXX of the XXXX payments ( I believe the first, but nothing on the website will confirm ), I paid the remaining balance due on the XXXX XXXX. With the second payment, they auto-allocated a portion of the payment to the satisfied loan, resulting in that account having a negative balance. I could not override that. 

I have made multiple phone calls to address this issue. I can not make additional payments toward my existing loan without XXXX auto-allocating a portion to the satisfied loan, thus growing the negative balance. When I try to allocate that payment to {$0.00}, I get an error message. 

I made my first call to the company at the end of XXXX or early XXXX ( did not record the date ) and was told that this was my error. It was only after about an hour on the phone that the representative understood what was happening. 

I called again on XX/XX/2023 and was promised a return phone call by the end of the week. No call was received. 

I called on XX/XX/2023 and made XXXX progress. I was told that it is " processing. '' However, nothing on my end of the website indicates that any action has been taken. I am still unable to make a payment without a portion being assigned to the satisfied loan. The website will not let me set the payment amount to {$0.00} ( or to anything less than {$140.00} and change ). 

During multiple phone calls, I have been told the following : It can be escalated but all of the supervisors are out. 
Nothing can be sent in writing about this issue. 
Someone will call me back by the end of the week ( XXXX weeks ago ). 
That they will fix this and that my interest caused by this delay will be retroactively reversed ( seems unbelievable ). 
It can not be escalated because it has not been XXXX business days ( inaccurate ). 
The overpayment will be credited to my account ( has not happened ). 
I will be contacted by a supervisor within XXXX hours ( TBD ).
Product: Debt collection

I recently reviewed my credit report and noticed that Personal Finance Company is now renewed and is reporting that I owe them {$3700.00} as of XX/XX/2017.. on a debt that was discharged through my bankruptcy. They are not acknowledging any bankruptcy and it is as if the debt has been renewed. Previous reports this item was removed from my credit report and this one just showed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a long time card holder of XXXX XXXX ( Last four ending XXXX ). On my credit report there is a 30 Day Late Payment for XXXX XXXX. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to XXXX XXXX in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both XXXX and Experian still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with XXXX XXXX has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have XXXX and Experian updated to remove the 30 day late.
Product: Credit card or prepaid card

Community bank decreased my credit balance without proper notification. I downloaded my statement XX/XX/2020 on XX/XX/2020 and I had a {$1400.00} credit. I reached out to the company to find out why my credit on my statement and my credit on their site had a {$200.00} difference. Every person I dealt with was useless and had issues with reading comprehension. They kept referencing the XXXX statement and tried to convince me that they made this change in XXXX. In XXXX, they lowered my available credit to {$1400.00}, not {$1200.00}. I uploaded my statement to let them know of their error and they went and change my statements on their site, committing fraud.
Product: Money transfer, virtual currency, or money service

In XXXX XXXX XXXX, a traditional IRA 2-yr CD ( Certificate of Deposit ) that I had with CIT Bank matured. Since CIT was no longer servicing IRA money they did not have any traditional IRA CDs to roll this money into. So they set up an IRA saving account that had a low rate and transfered my money into this account when the CD matured on the XX/XX/XXXX. Currently I 'm trying to transfer the money into a new bank ( XXXX XXXX XXXX XXXX ) that services traditional IRA money and CDs. I went to one of their branch offices and had an officer of the bank fill out a Traditional IRA Transfer request to transfer the money out of my CIT Bank traditional IRA saving account ( via check ) to XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX I called CIT bank and spoke to a representative and explained that I was mailing a Traditional IRA Tranfer request and to find out if the Transfer document need to be notarized. She informed me at this time that the it would take 2 to 5 business days to process the Transfer. I sent the Transfer document on XXXX XXXX XXXX overnight mail and it was received by CIT on the XX/XX/XXXX. I called CIT on the XX/XX/XXXX to find out the status of the Transfer. It is at this time that the CIT representative informed me that the Transfer was still being processed and that also it would take an additional 5 to 10 business days to mail the check to XXXX XXXX XXXX once the Transfer document was approved. Thus I received inconsistent or partial information from the first person I talked to at CIT on the XX/XX/XXXX and the XX/XX/XXXX CIT representative on the XX/XX/XXXX. Since CIT was no longer offering Traditional IRA services, the time required to Transfer the money should be expedited since I was on the phone with CIT on 2 different occasions and they new what my intentions were. This delayed processing time appears to be nothing more that a blatant attempt to maximize their use of my money while behind the guise of processing time. The Traditional IRA Transfer application is only a 1-page document and should not take 2 to 5 days to process. Additionally, 5 to 10 days to cut a check and mail it to another banking institution is equally inadequate. Also if I had been given complete and accurate processing and mailing time I could have made other arrangements with another bank ( XXXX XXXX XXXX ) to make the transfer by wire of the Traditional IRA money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX | XXXX : XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section

611 of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. Section 605 of the F
CRA : This section prohibits the inclusion of outdated information in credit reports. Please ensure that any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 of the FCRA : This section requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when it is disputed by the consumer.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Good Evening Manager/Executive office ; I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I ask that you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018, 30-days late? - how? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my credit score and financial well-being. I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.
Product: Debt collection

I received a debt collection notice in the mail for XXXX dollars. I contacted the debt collection and they said it was taken out in my name. The card company was XXXX XXXX. I have never had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report seems to show fraudulent activity My name is XXXX XXXX XXXX XXXX. 
social security number is XXXX address : XXXX XXXX XXXX XXXX Illinois XXXX The collections are XXXX {$57.00} XXXX XXXX XXXX XXXX  {$60.00} XXXX {$67.00} XXXX XXXX {$88.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$200.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX  {$1700.00} HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently not providing a accurate and up-to-date consumer report. As to date the last report is from XX/XX/2021.
Product: Debt collection

JEFFERSON CAPITAL : Balance {$650.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX  : Balance {$1000.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, AL XXXX The balances were much lower before they went into collections, when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I need help to remove these inaccurate and misleading items that were reported on my credit files. I've been mailing letters to XXXX, Equifax, and XXXX several times since XXXX, but they never responded to any of my letters, and until now, the same invalid negative accounts were reflecting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX I opened disputes of debt validation with all XXXX credit reporting agencies. XXXX XXXX, and Transunion. XXXX XXXX XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, Transunion and XXXX tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family, not being able to pass a background check for employment, funding my business and this has created great hardship for me and me family as mentioned. 

I attach my previous credit report and my new credit report to show how XXXX, XXXX has violated my rights. 

XXXX has refused