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

On my XXXX credit card statement there was a charge from XXXX for {$120.00}. I had only had this card since XXXX and I paid it off every month so there was XXXX balance. I called to ask about the charge for XXXX on the XXXX bill, and they said there was a glitch in their system and it should come off on its own. I paid what I had actually owed, which was {$180.00}, and the remaining {$120.00} I was instructed not to pay because of the glitch. Ive called back every few weeks and at first they kept telling me that it takes a few weeks for it to correct itself. They told me to wait and not to pay it. Then it hit my credit report. Every time I call they hang up on me. Each time they say yes I can see what youre saying, Im so sorry, yes dont pay it, Ill transfer you and then they disconnect me. The last XXXX times Ive called they now say its fraud because they wont even tell me what was purchased or could provide an invoice of what was purchased. I know it wasnt me that made the purchase because I pay it off every month, I only had it for 4 months, and it is very clear and obvious that there is a charge from XXXX in the XXXX bill. I have reported this company to the XXXX. I will try and call back the XXXX credit card people again but this company/bank should not be allowed to do this to people. They are horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past weeks I been calling TRANSUNION WITH NO HELP FROM ANYONE WHO WORKS THERE ON REMOVING THESE INQUIRIES THAT WAS NOT AUTHORIZED! I ALREADY CALLED THEM ABOUT TWO PREVIOUS INQUIRIES MONTHS AGO AND THEY DID NOTHING ABOUT IT AFTER I SENT IN PROOF!! They gave me the run around and neglected everything I said on a recorded line. They said their policy was above the law!!! I spoke with MULTIPLE reps AND THREE SUPERVISORS that was incredibly rude with no understanding and empathy what so ever! 
I did not authorize these inquiries and need them DELETED ASAP! Inquiries listed below. Its like TRANSUNION IS MAKING MONEY OF BAD CREDIT AND NOT HELPING REMOVE INCORRECT DATA!! 

XXXX XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 I provided them all information needed to them and filled they refused to DELETE THE INACCURATE INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

There's unknown accounts on my report inwhich is unknown to me. These accounts has to belong to someone with a similar name to mines, and the fact that I'm a XXXX this could be the possible reason for the mistake. Or although it has no association to me whatsoever. So with all respect I'm demanding that these frivolous fraudulently accounts be taking off my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 )  XXXX XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I was going over my credit file AND FOUND SEVERAL ERRORS. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete remove all the following addresses : XXXXXXXX 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: Credit card or prepaid card

I paid off my entire credit card balance with Fortiva, closed the account and yet the company says I owe money for an annual fee ( {$29.00} ) and for a monthly maintenance fee ( {$12.00} ) they charged me after I closed the account.
Product: Checking or savings account

Today XX/XX/2022 I went inside the branch located XXXX XXXX XXXX XXXX XXXX ca I made a deposit and requested to withdraw funds and was denied with the excuse I needed to have my cell phone to receive text messages I explain my phone is dead I presented my drivers license and still denied from accessing my funds. This is wrong and deserves to be investigated. The man who claimed to be Manger said they're is nothing he could do and walk away refused to help me and today is the day to pay my rent I think the guy wasn't trained properly or a XXXX
Product: Credit card or prepaid card

I have several XXXX XXXX Accounts. Today I Deposited {XXXX} via XXXX XXXX XXXX into my Account. I then needed to Change my Password and Address Update because it still had not been done despite my doing so several times. A CSR ( Customer Service Representative ) Politely Change all my Information and tried to send a Password Reset to my email and I did not receive. Upon Checking, she found out Fraud Department had Locked my Account. We contacted Fraud Department and they requested I fax copy of my SSN Card and Several Pieces of Mail showing my New Residence which I immediately did. I was told it should take 2 hours. After more than 4 hours elapsed I contacted Netspend again only to find out that the Fraud Department will be Closed Until Monday. They Took My Money, Pretended to Help Me, Lied about Unlocking my Card, and Now I can not access my Card, nor my Money, and can not reach anyone to assist me. They knew they were not going to help me yet had me completely verify all my information to 3 different CSR 's and 2 Supervisors and 1 Fraud Agent and I still can not access my Card nor get my Money. I need help PLEASE. Thank You. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The education loans have been completely discharged and should not be reporting over XXXX times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have disputed this items several times with Equifax. To date, Equifax states that the item is valid and it remains on my credit report. However, neither Equifax nor the debt collection company ( XXXX XXXX XXXX ) have provided any documentation whatsoever that proves ( 1 ) the debt is valid and ( 2 ) the debt is mine. I HEREBY STATE THAT THIS DEBT IS NOT MINE, AND IT SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit card

I ordered a Citibank American Airlines card a couple of years ago. They opened an account for me and sent a card, but it's not the AA card, it's a different one. So I applied for the CitiAA card again. They did the same thing to me TWICE more- kept sending me a different card than I had applied for. Now I have 4 Citibank cards. Because of my income and credit, I had high credit limits, i.e. up to $ XXXX. Then they sent me a couple of 0 % balance transfer offers, on a couple of those cards. I took advantage of these, and did not max out those accounts when I did so. I still had plenty of available credit. I did not use those cards at all, and paid much more than the minimum payments on all accounts, well before due dates, while the 0 % interest rate was in effect. My credit report shows I have always paid as agreed. Nevertheless, Citi arbitrarily reduced my credit limits on JUST THOSE CARDS to just a couple of XXXX dollars above the balance, thereby causing my credit score to drop. I know this, because the amount of unused credit on a card has an effect on your XXXX score, and I was in the process of refinancing a property I own when they did this. Citi 's actions caused my credit score to drop, which in turn caused me to have to pay a higher interest rate on the mortgage. I called Citi and spoke with a couple of people about it who said there was nothing they could do. The refinance paid off these cards, and then I received ANOTHER balance transfer opportunity ( 0 % interest for 12 months again ) on a different Citi card. I took advantage of this, and then almost immediately Citi reduced the available credit to just a couple of XXXX dollars over the balance, causing a hit to my credit score AGAIN. This time I have proof of the change. I don't have proof from the 1st time. Please see the attached documentation. Citi should STOP the practice of arbitrarily reducing credit limits on the public when someone takes advantage of the XXXX percent balance transfers. Also, they should send you the card you applied for, the FIRST time. This appears to be almost a mercenary practice, potentially harming people 's credit scores just so Citi can show that they carry a lot of accounts, and have more capability of profiting when the 0 % interest rate expires. Once that interest rate expires, the new interest rate is 29.99 %. THIS SEEMS LIKE USURY TO ME. They try to trap the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading proof from a copy of my XXXX credit report proving that an account XXXX XXXX XXXX and XXXX were deleted off my credit report. XXXX and transunion just keep updating these accounts that do not belong on my credit reports. I have been disputing this information for months now. XXXX and transunion want a copy of another report that I have that proves these accounts were deleted. I am uploading the proof. I get nowhere when I contact XXXX and transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am unaware that my courthouse has the ability or manpower to call each bureau and provide them with information for each consumers civil claims or judgments. If they did, I can guarantee you the unemployment rate in the nation would be eradicated with all the positions they would be filling. So please, provide me with the name and number of the actual third party that provided you with the details for the following : Bankruptcy XXXX XXXXdismissed Filed on XX/XX/2017 Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the 3 major credit bureaus to do a thorough investigation of all the information on my credit report for completeness, accuracy and inconsistency ; I also asked to provide proof of accuracy for such and copy of an updated report within 30 days of receiving my request. 

Equifax and XXXX, provided a copy of my report past the 30 days and stated that everything was accurate. I did a through research myself after receiving the reports and still found improper, inaccurate and missing information in my credit reports. XXXX has still not responded to my request or sent an updated credit report, I also did a through research myself and still found improper, inaccurate and missing information in my credit report past 30 days of my request. 

None of the 3 credit bureaus provided documentation with proof of these changes within 30 days and my credit bureaus are is still reporting inaccurate, inconsistent and missing information. 

As per 15 U.S.C 1681i ( a ) ( 1 ) - Procedure in case of disputed accuracy, my rights have been violated. 

In accordance with the Fair Credit Reporting, the following accounts have violated my rights among other inaccurate information such as name and address update. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request to please follow up with the credit bureaus about this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my credit reports from XXXX XXXX and TransUnion and I noticed my information was on the XXXX XXXX accounts I never applied for some one using my identity XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a lease through American Honda Finance. Account #: XXXX. The lease was paid in full, and the vehicle was returned.  I leased another vehicle through Honda immediately.  I subsequently received an invoice for a turn-in fee, which they charge when you do not lease another Honda. I called them immediately and told them that I had leased a new vehicle. They asked for me to send a copy of the new lease. The finance guy at XXXX XXXX was helpful, and faxed it to AHF immediately.  I received another notice a few weeks after that stating that the turn-in fee was due. I called again - there were a number of calls back and forth. The finance manager at XXXX  XXXX sent the fax another two times, and I called AHF to let them know. I then received a notice about a month later stating that the amount is overdue. I called them got the name of the case manager in charge of my account, and had my Finance guy email them a copy of the lease. He cc'd me on the email. The first fax was on XX/XX/XXXX, and the last email he sent was on XX/XX/XXXX.  They said that as soon as the paperwork was processed, they would remove the turn-in fee as it is not due if I lease another vehicle. In the interim, I was making many calls to American Honda Finance, Honda, and speaking to many people to resolve this and was assured that if I had leased a new vehicle it would be removed from my account.  I finally reached someone on XX/XX/XXXX, who I insisted wait on the phone until he could confirm he could see the email. He acknowledged the email and said that the turn-in fee would be removed (this was erroneously charged, and should never have been put on my account int he first pace).  American Honda Finance reported to the credit reporting agencies that my account was delinquent around the XX/XX/XXXX, causing my credit score to drop almost 100  points. I request that American Honda Finance contact the credit reporting agencies to state that it was reported in error.  There is no reason I should have to suffer from their errors in charges, and record-keeping, and I believe their operation is negligent and suspicious in their charges.  Everyone at American Honda Finance has been insufferably rude and determined to be unhelpful, so I have not had any help from them. Nor Have I had any help from Honda.
Product: Vehicle loan or lease

XX/XX/XXXX I bought a car XXXX XXXX XXXX XXXX XXXX ) from ( XXXX XXXX ) a dealership in Maryland , the car was financed by CREDIT ACCEPTANCE. I asked for the price of the car but was not told. The dealer only told me my monthly payment. He said the total Im financing was {$17000.00}. With a monthly payment of {$530.00} which was scheduled for a spilt pay of XXXX every two weeks. First I was told I will not pay until after a month, which my account was debited only one week after, this took my bank account to overdraft. This was the first fraudulent action From CREDIT ACCEPTANCE. I called to question this action, this was when I was told that my balance is {$29000.00} for a XXXX XXXX XXXX. I object and they said there was nothing I could do about it. That I already signed up for it. I told the associate that I never signed a single paper. Everything was done on their computer, it was late at night, I couldnt read the whole long text. I just trusted the auto giant associate who was explaining to me. Since XX/XX/XXXX Ive been making this rigorous payment and Im earlier this year I was out of job for one month which made me had a past due and I got into my car one morning and my car has been shot down. This was the first time I found out that CREDIT ACDEPTANCE had a tracker on my car without my consent. I called them and it was remotely turned on after I made a payment that morning. I missed my job and was totally messed up. This year alone my car has been turned down 4 times. My grieve right now is that I was told as at purchase that I will be eligible for refinancing as at purchase. I called them XX/XX/XXXX that I want to refinance and they said I cant that they dont do refinancing. This was absolutely different from what I was told upon signing. So Ive been paying XXXX XXXX monthly on this car without the opportunity of refinancing. They stock me up with this killing rate and with all this rigor, Ive been assulted and embarrassed by credit acceptance associate on several occasions. Theyve taken so much aggressive action on my turning down my car without notice or warning. Today XXXX of XXXX, Ive been seeing call from credit acceptance the whole day but couldnt pick up because I was at work. At the 5th time of calling me consecutively I was forced to pick up. And this lady was very rude, disrespectful and uncultured to me. Ask me to be quiet 4times in the conversation. I tried to pour out my concern to her but she never listen. She called me saying I have past due and my car will be turned down. I explained to her that I just made a payment as scheduled for me to pay on the XXXX XXXX which was a day before this day. She said a new bill has rolled over and I said Im aware but Im telling you I just made a payment yesterday. How do you call me to threaten me to turn down my car if I dont pay today when I just paid {$300.00} yesterday. All effort to convince her was abortive because she will not listen. I like to emphasis that this will not be the first time Ive been harrassed by credit acceptance associate. And I demand a review of my payment or cancelation without charge or report on my credit
Product: Credit card or prepaid card

my account was frozen for what was supposed to be XXXX XXXX because I accidentally used the wrong ccv number and it locked for XXXX XXXX I've tried XXXX times to contact XXXX to get the issue resolved and they did not help they gave me phone numbers that didn't work and then when I tried to contact payfare I couldn't find a number that was directly linked to them I have money in the account that I can't use I can't even transfer it to my actual bank account
Product: Credit card or prepaid card

Someone 5 times tried to get some sort of credit card or credit with Citi bank - they were all denied due to lack of information on there part - but they used my address at the minimum
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Upon checking my credit report I noticed a few fraudulent accounts that were listed. I've listed the names of each company, the date it was opened, and the balance owed on the account. I need the companies to please remove these immediately. 


XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5700.00} XXXX/XXXX  XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to get this resolved. XXXX XXXX continues to leave on my Equifax report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite XXXX continued reporting on my Equifax credit report and Equifax 's refusal to accept that XXXX is providing them with inaccurate information. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company. 

In lieu of this information, Equifax must also cease inaccurately reporting I owe this debt. Equifax is the only one of the three credit agencies still reporting this debt as both XXXX and XXXX have accepted all of the previous documentation I 've provided to show this is not my debt. Equifax remains the only company still irresponsibly reporting this wrong information.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report stating that I had a credit breach thay company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified.

If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing this item removed. 

I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is account on my name that is not mine, I tried contacting the creditor, they told me there is no account matching my social security number. The company is called XXXX XXXX XXXX This information was reported by Equifax, this information is incorrect and it's not mine. 

XXXX XXXX Report XXXX : XX/XX/XXXX Reported Balance {$76.00} Credit Limit {$200.00} Account Status PAYS_AS_AGREED Owner Account Type REVOLVING Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed 22 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$76.00} Credit Limit {$200.00} High Credit {$190.00} Available Credit {$120.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX