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

XXXX is deliberately suppress my actual payment amounts from the nationwide consumer reporting system. This failure to report actual payment data means my credit reports are missing fundamental information about my credit card repayment behavior that could help my receive better financial offers and save on interest expenses. My credit reporting on Experian dropped XXXX points as of XX/XX/2023 as the result of increase of one card 's balance, but no reporting of the significant decrease of XXXX card balance from {$4000.00} to {$2500.00}. By suppressing actual payment data, XXXX is making it harder for me to shop for credit and save money on major purchase such as refi home, home improvement, business credit or vehicle.
Product: Money transfer, virtual currency, or money service

I am filing a complaint regarding my banking experience with Credit Karma Money. Since XX/XX/year>, my funds have been withheld without explanation, which has prevented me from accessing essential resources for myself and my family. 

Despite verifying my identity and offering to provide further verification, Credit Karma Money has not disclosed why my funds are restricted. When I asked if this issue was fraud-related, I was told it was not. I was informed that the funds were withheld for security reasons, but no specific details were provided, and no timeline for resolution was offered. 

This lack of transparency and inaccessibility to my own money has caused significant financial hardship. I am unable to purchase food, gas, and other essential items for my family, which has put us in a distressing situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have multiple inquiries that total up to 8 inquiries on my report that are hurting my score and putting my chances down to fund myself to expand my XXXX  for me and my family. These inquiries are fraud and I feel unprotected as a consumer. My information was leaked in a data breach which has made my personal information very vulnerable. Multiple inquiries from XXXX to XXXX are fraud. Please protect me from these criminals that try to violate the system and take what isn't theres. I did some research and I see that according to the FCRA all fraud inquiries that are reported must be blocked and remove with 4 days. These inquires have to be resolved. Im attaching the FTC report with the dates and times to specify what needs to be removed. These accounts are fraud. I will also be providing proof of my government registered id registered to PA which is my license and a proof of address. 

Protect your consumers God Bless
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active fraud alert on all credit bureaus, yet inquiries still keep popping up with no reaching out from the creditors or credit bureaus. These inquiries are unauthorized and have not been wiped even after sending in proper police reports. 

Experian XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX  XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019
Product: Prepaid card

I bought a card XXXX serial number XXXX on or around XX/XX/2024 for {$500.00}. It didn't work. I asked for a replacement but I have no record of receiving and using the replacement. Neither " XXXX '' nor anyone else told me the last XXXX digits of the new card number, so I can not tell if I even received any replacement. 

I tried to check the balance and I get a " system error '' message. I just want my money back at this point.
Product: Credit reporting or other personal consumer reports

I have been watching my credit as I want to take out a loan. I have been paying off debt and look to see the effect it has on my score. Since the last time I looked I paid down XXXX credit card balances my XXXX I paid down {$1700.00} ( from {$8100.00} to {$6400.00} ) and XXXX XXXX {$2000.00} ( from {$5500.00} to {$3400.00} ) No other changes were made to my credit profile. My score increased at both XXXX XXXX and XXXX. However, at equifax my score lowered by XXXX pts. I called them to figure out why and they wouldn't tell me. tried to send me to a third party debt advisory company, to tell me how I could fix my credit or dispute information. The information is correct, they show the balances decreasing, but increased my score. This means anywhere I go to get a loan that uses them, I would end up having to pay a higher interest rate.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, XXXX, and XXXX, I discovered XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. US Code 1028 ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. Also, on XX/XX/XXXX, XXXX of XXXX XXXX XXXX reported ( 2 ) accounts originally from with XXXX XXXX, last reported properly on XX/XX/XXXX, yet, the Credit Reporting Bureaus listed above have not properly reported CURRENT information with a higher credit score. 

It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine.
Product: Credit reporting

I went onto the Experian site to obtain what I thought was a {$1.00} credit bureau report. Suddenly, I found out later that they tricked me into buying a monthly credit tracking service. I never intended to order this product. Nor do I believe it was made clear on Experian 's web site that I was ordering this service. Upon learning what happened after the first monthly fee appeared on my credit card, I immediately cancelled the product and demanded a refund of the one month fee of {$21.00}. 

The customer service rep and his supervisor refused to give a refund over the phone. I was asked to submit a written request, which I did, and was subsequently again told they would not refund the money. I can not accept this. I never wanted the product. If it was written somewhere on the Experian site, it was done so subtly that I did not notice it. I feel they tricked me into buying the product and spending this money and now you will not refund it.
Product: Debt collection

Pursuant to 15 USC 1692c ( C ) ( 2 ) I am notifying Professional Finance Company in writing that this debt does not belong to me. I am demanding that you cease all forms of communication with me through all mediums. Including but limited to phone calls, text messages and reporting to credit reporting agencies. Pursuant to 15 USC 1692c ( C ) ( 2 ) I am invoking my specified remedy as a consumer and the original creditor I am demanding all of the following : Zero out the balance on this account, delete from all consumer reports and pay {$2000.00} to compensate me for every violation. 3 Federally Protected Consumer Rights Violations. ( 1. ) 15 USC 1692d ( 5 ) - Causing a telephone to ring or engaging any person in telephone / text message repeatedly or continuously with intent to annoy, abuse, or harass and any person at the called number. ( 2. ) 15 USC 1692b ( 2 ) - Shall not state that such consumer owes any debt. ( 3. ) 15 USC 1692b ( 5 ) - Not use language or symbol in contents of any communication effected by mails that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Credit card or prepaid card

I received a Citi bank AA credit card and the realized there was a {$450.00} annual fee so I called and canceled the card and called the company to make sure everything was ok. I then started receiving statements saying I owed {$450.00} so I called them again and they agreed to cancel the fee even though I kept calling. My credit score just took a hit of XXXX points do to a past due non payment on a {$0.00} account which has been cancelled and then called them again today ( XXXX ) and eventually got to a person after 2 hours of being transferred and they said my account was XXXX! 
Very frustrating trying to pay a XXXX bill on a cancelled account! 
What can I do?
Product: Credit reporting or other personal consumer reports

Transunion Signed up for a free account with Transunion. 
and froze my credit report. 
Account setup, acknowledged by email. 
Unable to access credit report or access the page that shows the status of my credit freeze. 
Both actions results in a message that says... 

" We are having technical difficulties. We appreciate your patience while we resolve this issue. '' When searching for a solution to this problem I noticed that people have been having this issue for the past 9 months. 

Their phone support is cumbersome and poor quality. It discourages use of this free service.
Product: Money transfer, virtual currency, or money service

PayPal limited my account Will not allow me to accept my cash and withdrawal it Will not approve my identity verification documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to XXXX, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. XXXX  repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.
Product: Debt collection

home depo credit company has violated the XXXX rules as its outlined in XXXX XXXX convergent outsourcing inc, XXXX XXXX ( XXXX XXXX ), which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 15 usc 1666b time to make payments. which i XXXX XXXX is not a dead man i am a living being secured party creditor. 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 closed my account without notice or permission never sent the periodic statement along with the disclosures from section 1537 ( b ) i have proof that i sent by mail before payment due date this information was requested in good faith pursuant rule 1002 and it was nevered provided. This is unfair, illegal, fraudulent, and not equal to me as the consumer or secured party creditor. remove all late payments from my credit report and restore my account.
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX XXXX that matured on XX/XX/XXXX. Due to having deferments on the account, I still owed a balance. I had continued to pay as agreed, and have never gone 30 days past due on making a payment. I called XXXX XXXX and spoke with a manager on Tuesday XX/XX/XXXX, as well as Thursday, XX/XX/XXXX due to a payment I had made on XX/XX/XXXX, not properly reflecting on my online transaction history. I was advised that due to the loan maturing, that the next payment date would not reflect online. I specifically asked the manager during both calls, if this would result in being past due with the credit bureaus. During both calls, a manager specifically responded and stated that the loan has simply matured, and that I should continue to make payments as agreed. This is what I have done, however, XXXX XXXX is reporting to the credit bureaus as of XX/XX/XXXX that I am 30 days past due making a payment on this account. I have called XXXX XXXX and requested to speak with a Credit department, and have been advised that one does not exist. I am requesting additional assistance from the CFPB in regards to this matter and having the late payment reported to the credit bureaus removed, as I am not 30 days past due on my payments and have made at least the minimum payment if not more each month.
Product: Credit reporting or other personal consumer reports

Equifax Credit Reporting Agency reported deleted an account from my consumer report and reinserted WITHOUT notice. I contacted Equifax regarding this matter, and I was told that the account will be deleted. Equifax Credit Reporting System has failed to delete the alleged account from my consumer report.
Product: Consumer Loan

this is concerning case number XXXX with CFPB which was the original complaint in XXXX 2014. This case was resolved with Regions agreeing to update the XXXX credit bureaus that the loan XXXX that I pay XXXX/mo on an agreed monthly basis and was not written off or have I ever been delinquent on a payment as was showing on my credit report. As of XXXX XXXX, XXXX and XXXX are still reporting this loan to be " charged off '' and delinquent. XXXX XXXX appears to be updated as this negative comment has been removed from their report.
Product: Debt collection

Did not provide me with a copy of my rights Requested itemized statement of debt from company several times and was not provided with one within 5 days per my rights. 
Screamed at me on the phone and would not put me in contact with a supervisor. 
Continues to call me after I have requested them not to contact me.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

Had XXXX  yr lease, with no problem on monthly payments. Returned the car ( 3yr/36000miles ) with only no more than XXXX  (? ) miles on car & told dealer there was an issue that i felt KIA had a responsibility for. this issue was about side panel damage on the car and i was told by dealer leave the car and to call kia customer service. i did so and after following all kia customer service 's directives, within 2 mos or so we resolved the problem and we both shared the cost and i agreed to a price to repair the car damage. I paid my portion & found out months later that my credit was damaged since KIA said my account was open and they presented my account as having history of " unpaid payments ''. So i then i had been branded with a " payment deliquency '' from the credit bureau from that point on ... .that was 4-5 yrs ago. I tried for months to present it to the credit bureau, they agreed the payment history was good but they kept sending me back to KIA, who would not help at all even though they also said the issue was was over the car damage and not any payment. ( At the time, I had other credit cards accounts only on my credit history for years and they were all very good history. 
After receiving a check for {$100.00}, I did call hyundai capital and they said i was eligible to call KIA to get them to remedy the issue. I was shown how KIA was mandated to do so. This was about XX/XX/2023, I called Kia and after two or three people involved in two separate attempts, finally at the last call i was put on hold repeatedly ... left there for 15+ minutes then got a pick up and an immediate hang up. ( the number i called was given to me by HYUNDAI Capital so i called Kia - XXXX ) Today i called HYUNDAI Capital back and they directed me to make this complaint here.
Product: Debt collection

I found that my credit score dropped by 47 because National credit systems INC is trying to collect a dept on behalf of apartments renting office ( XXXX XXXX at XXXX XXXX ) for XXXX . 
I had never received this money from the creditor.I sent both parties emails and certified mail for evidence that I owe that dept but they never replied.On the website it's shown that the collection started XX/XX/2019. I am sure they did not reply because they don't have any evidence. 
It shows clearly in may bank account that I had never received any money from the creditor since I opened my bank account on XX/XX/2019 till present. I want to report that false dept collection and ask the collection agency to stop sending me pre-recorded voice msgs.Also i want the damage for my credit score to be reversed.
Product: Credit reporting or other personal consumer reports

Over the past 12 months I have sent several dispute letters to Experian asking them to verify the debt and they ignore my request and never do any investigations. I attached one the recent letters that I sent them and they completely ignored the letter. The letter that I sent included a copy of my driver license, social and recent bill and they ignore my request.
Product: Debt collection

In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission XXXX XXXX XXXX XXXX by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX  for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of XXXX XXXX XXXX XXXX   aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX  without my consent. The XXXX XXXX XXXX XXXX   did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted XXXX XXXX XXXX XXXX  and asked them why they would place my name on a new loan without my consent or signature. The XXXX XXXX XXXX XXXX representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. XXXX XXXX XXXX XXXX  stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the XXXX XXXX XXXX XXXX  aloud XXXX XXXX XXXX  to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified XXXX XXXX XXXX XXXX and closed out all my accounts dealing with them. For the last year, XXXX XXXX XXXX XXXX has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX   was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX  that was turned in due to XXXX XXXX XXXX   's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX  that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX  was wrecked. Could someone look into this and find out is this legal because I feel like I am being held XXXX by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to be liable for these loans. I do believe XXXX XXXX XXXX XXXX owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 those account 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 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 or other personal consumer reports

The information that was forwarded to the company by your firm the company sent me a letter back stating they couldn't understand what I meant. The information was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Also the information on the accounts where I worked is irronious USPS Letter XXXX XX/XX/XXXX, USPS Clerk XXXX XXXX, US Postal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX