23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been called repeatedly by Pioneer Credit. Their number is XXXX. They often call early in the morning on weekends and wake up my children. When answering, I hear an automated message -- it references a debt of a XXXX XXXX. So I know the debt is not mine as that is not my name. I have only had this phone number for XXXX months so I assume the debt relates to a person who had my phone number previously. I called back and the representative was not helpful and noncommittal about when/if they would update their database and stop calling.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened an account with SYNCB/CAR CARE DISC TIRE ( MySynchrony ). The account was closed on XX/XX/XXXX. I was never told the account would be closed unless spending was made on the account. I would like to fix this immediately. I don't even have the card anymore. If the account was reopened, I would order a replacement card immediately and use it for spending.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : US DEPT ED Account # : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX, XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX-DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX
Product: Credit card

A chase credit card or loan was applied for in my name and I did not authorize this. Their fraud department did contact me. I just need to report this issue.
Product: Credit card or prepaid card

I own a small XXXX XXXX XXXX. I have a Citi Visa Costco business card. Costco used to have Amex then the moved my account to Citi Visa. After Citi took over the account did not follow through exact terms as Amex. Right away Citi lowered my credit limit and made huge amount due immediately. <P/> In fact,  without my permission they withdrew an amount of {$21000.00} which caused me huge struggle for pay realtor commissions, employee salaries and other bills. I keep calling Citi then after couple weeks later they refund me the money. I set an amount of {$2500.00} to be withdraw every month automatically from my account so that it covers my minimum monthly payment plus little toward principal so that they wont withdraw entire amount due. Then again without my permission they withdrew {$17000.00} and put me in very stressful financial burden. I have been keep calling and after 3 weeks they refund me the money. I finally had to stop the automatic withdraw.
<P/>
I sold a land during this time and had an amount of {$10000.00} and I offered Citi to settle my account. When I proposed this in XXXX 2017 from that month on Citi without my permission raised my interest rate from 12 % to 25 % without any written consent or warning. I am trying to get help with my debt situation instead Citi making it harder to pay off my debt by raising interest rate and not wanting to settle. I have been calling every month since XXXX 2017 for a settlement offer but they keep denying it and raising my interest rate causing my balance to go up even more and more every month.
<P/>
I need help immediate and have citi offer me a fair settlement and stop doing predatory lending raising interest rate more than double without any warning or written consent.
Product: Credit reporting or other personal consumer reports

This is beyond frustratingI found unauthorized inquiries on my credit report this morning, and Im not sure why theyre there. I regularly check my credit report, and these errors appeared out of nowhere today. I refreshed my browser thinking it was a glitch, but they didnt go away. I need you to thoroughly check the documents Ive sent and resolve this issue immediately so I can stop stressing about it.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the XXXX  assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 to be updated. 
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 EXPERIAN 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

I was trying to check my credit report because I was worried about identity theft ( i had just had one of my credit cards compromised, and copied XXXX. For whatever reason I used Experian -- I guess because they came up high in search results. They tell you it costs {$1.00} to check your credit report, but what I later found out is that they automatically enroll you in a {$23.00} a month credit monitoring service if you use this {$1.00} registration option. I am pretty adept at spotting online trickery when enrolling in things, and never suspected that a company that has my social security number, and maintains massive databases of credit records, would have one of the most deceptive and fraudulent registration forms I have come across in some time. I was unknowingly enrolled in this program, and only noticed after they 'd charged my credit card XXXX twice ). They are refusing to refund all of my money, because they say that I " knowingly '' signed up for their service. Because I called on the day they charged the second payment, they said they could remove that payment, but not the first charge the made a month previous. After XXXX this deceptive practice, you get a lot of results on consumer complaints website about many people being scammed by this. XXXXThere is no way its acceptable for any company to do this kind of deceptive marketing, especially from a credit reporting bureau, who has people coming to its site because they are nervous about identity theft, or any host of other personal credit issues. They should be forced to stop this practice immediately, return all injured parties monies, and seriously investigated to see if this is the kind of company XXXX can trust with holding their social security and personal credit information in online databases. 

I would have attached screen shots of their registration process, but their " fine print '' is below the fold. And in the space where they display the pricing information, they say nothing at all about enrolling you in a program that costs additional money down the road ( you have to scroll all the way to the bottom and read a dense paragraph to figure this out ). Just go to their website XXXX experian.com XXXX and go through the two screens of entering information for your " {$1.00} credit report '' to see what I mean. 

I also called them, and after they deflected my attempts to get a full refund, a manager finally referred me to an email address for customer service request. I 've attached my email correspondence with their " customer service '' reps, which was unsuccessful at any further resolution. 

Thank you
Product: Credit card or prepaid card

My complaint is about customer service with Truist Bank ; Service remains very good at my local Truist Bank here in XXXX but its absolutely horrible if calling into Truist Customer Service by phone. 
There is never any immediate availability of a customer service represenative and im always put on hold for an average of at least 30 minutes before some Truist Customer Service representative becomes available to speak with me. And its usually someone with a XXXX accent that is very, very difficult to understand and often have to ask the Truist represenative to reat their comments more than once. 
BB & T customer service was easy and very good but after the merger with Sun Trust Bank and forming Truist Bank custimer service has become totally unacceptable due to call wait time, the many XXXX customer represenatives that are very difficult to understand ( Not meant to be a XXXX comment ), the inability or actions to follow up on or remedy my requests or needs, etc.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Urgent Complaint Against Equifax Request for Investigation Dear Consumer Financial Protection Bureau , I am filing this formal complaint against Equifax regarding `` their failure to address inaccuracies in my credit report, '' " unauthorized inquiries on my credit file, '' or " negligence in protecting my personal information ''. Equifaxs actions, or lack thereof, have caused significant harm, and I believe they have violated the Fair Credit Reporting Act ( FCRA ).

Summary of Issue On I became aware of " multiple inaccuracies in my Equifax credit report, including or " unauthorized access to my personal credit information ''. I immediately took steps to resolve the issue, including, such as disputes filed, calls made, or evidence submitted.

However, Equifax has failed to fulfill its obligations, including " completing a proper investigation within the required timeframe, '' " correcting the errors despite evidence provided, '' or " communicating a resolution ''.

Impact on Me Equifaxs negligence has caused me significant harm, including but not limited to : such as " denial of credit applications, '' " negative impacts on financial opportunities, '' or " emotional and financial distress ''.

Steps Already Taken I have attempted to resolve this matter directly with Equifax by : Filing disputes on online/mail/phone ].

Providing supporting documentation Following up with Equifax multiple times, receiving no satisfactory resolution or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bur
eaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX  acct # XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX On XX/XX/XXXX I spoke with company on XX/XX/XXXX the company verified they received returned mail saying the mail was un deliverable. I never received any documentation regarding this account and I have disputed with company. The are reporting information that is incorrect. I would like account removed from my credit report. I never received any right to dispute account from this company. XXXX XXXX at XXXX XXXX XXXX. spoke with her on XX/XX/XXXX at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account that is reporting incorrectly on my credit report since XXXX of XXXX. I understand that due to COVID, there were delays in receiving responses from the credit reporting agencies and creditors, but at this point there is no reason as to why the paid OneMain Financial charge-off is still reporting inaccurately. 

On XX/XX/XXXX, I received a letter from OneMain stating they have requested that the credit reporting agencies make the necessary corrections to my account.

For example, the last payment date, payment history, and high credit limit are not reporting correctly. This inaccuracy was confirmed by OneMain.

I was advised by OneMain to allow up to 30 days for my credit report to reflect the update of this information. I just reviewed my credit report, 7 months later, and the errors are still there!

My most recent letter to OneMain was sent on XX/XX/XXXX, and to date I have not received a response. 

It is clear that they do not maintain reasonable procedures to ensure the accuracy of consumer reports.
Product: Money transfer, virtual currency, or money service

I create a account with coinbase on XXXX/XXXX/XXXX I bought : " XXXX bitcoin '' worth XXXX dollars And i also bought " 2 ''  ethereums worth XXXX dollars And for some reason since the first day they transfer the money from my bank to coinbase account I was not able to sell pr buy more of any virtual currency ... i kept trying and trying and nothing Finally I called them up to this phone number XXXX ( XXXX ) XXXX and talk to them about the problem on tuesday XXXX/XXXX/XXXX They told oh its okay we are going to guide you to the process to make a new account ... and they start " guiding " me to send my funds ( by this time my funds where XXXX dollars for bitcoin funds and XXXX dollars for ethereum ) to my " new '' account and then after i sent my funds where they told me to do so.. they say in a few hours we are gon na send you an email with the link to your new account ... 
I say ok .... 
And like 2 hours later the same guy that helped me ( XXXX XXXX ) called me up from this phone number XXXX XXXX XXXX XXXX XXXX asking me if i received that email ... i said no not yet ... then he said ok you 'll receive it shortly .... 
i called him an hour later asking him about that email, he said just call me tomorrow because our services hours are out ... 
I called him next day asking him about the email he said that he didnt remember me ... start asking my info .. i gave it to him ... and all the sudden he hang up the phone ... i tried to call his number and the line didnt ring at all ... after that i call him on the other phone number ... same guy answers and I say heyy what happened to the other line? He said that line was down .. i said ok well explain to me about my new account ... he said oh my manager will talk to you about it ... i start talking to the manager he said for me to be able to open my account i had to deposit XXXX on my coinbase account .. i said i dont have that money ... he said ok well then you wont be able to recover ypur account until you deposit XXXX and hang up on me .... after that he texted me from this same phone number that i will receive that email in 48 hours .. i havent received any email and i try to call him several times and it seems like they blocked me ....
Product: Debt collection

I have started getting calls back to back from tower loans with no voicemails left. Are calling daily around XXXX XXXX. I have town them to only communicate with me by mail. This is follow up of the closed complaint case XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Student loan

In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX of XXXX XXXX in XXXX XXXX and the School along with Sallie Mae/Navient enrolled me in a Predatory Subprime Private student loan on XX/XX/XXXX for {$14000.00} with a 13.25 % interest rate and knowingly my credit score was under a XXXX score immediately should've been denied for this loan. Fast-foward the loan has doubled and Sallie Mae/Navient sold my account on XX/XX/XXXX to a collection agency who has taken legal action through the courts and I'm having my income garnished {$920.00} at a higher interest rate and the balance is now over {$88000.00}. So I am a sweet member and I qualify for the predatory subprime private student with the NavientAGSettlement for this private loan. So I submitted a Misconduct Discharge to Navient and they denied me for a loan that they provided to school and not me.
Product: Credit reporting or other personal consumer reports

***The ONLY NAME THAT SHOULD BE ON ANY CREDIT BUREAU REPORT IS : XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES belong to me AND MUST BE REMOVED. Including all accounts with other the other names than what is written above. *** Credit bureaus are refusing to correct this information. 

Previous complaint was to remove debt not owed. 

Company refuses to remove debt not owed or acknowledge paid in full status as attachment will show. 

Credit bureaus refuse to remove accounts with the wrong name associated or reflect current paid in full status of these debt. 

This company had a data dump of incorrect information in XX/XX/XXXX showing we owe this school loan when it was XXXX in XXXX. This is the date it was reported on my credit report. 

We have a recent document, attached, showing this account was paid in full as of XX/XX/XXXX from XXXX XXXX, when this company said they acquired these loan balances. How can they transfer balances and collect on balances that show paid in full. 

This company continues to harassing me with frequent mailings rather than correcting the issue! 

This debt is not mine. 

This debt was XXXX and showed paid in full 11 years ago! Now they are saying it was transferred. They refuse to remove or cease and desist contacting me or reporting this incorrect information. 

The recent information I will attach shows that it was paid in full as of XX/XX/XXXX. 

***It will also show my LEGAL NAME AS XXXX XXXX XXXX XXXX *** NO OTHER NAMES APPLY TO ANY CREDIT FILE OR DEBTS OWED and must be removed pursuant to US CODES. 

This company will not cease and desist reporting incorrect information and sending harassing mail to me now that they have my address