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

Upon doing a status check, on my credit report today ( XX/XX/23 )! I was very disturb, and outraged that Equifax had ; the audacity to punish me, and down grade my XXXX Score for, no eligiment reason whatsoever! If lowering my balances are so wrong, then I don't want to be right! Doing such thing shouldn't never leads : to being corrected, chastised, punished, reprimanded, treated unfairly, and or any differently from other consumers! Mind you, the current acct, that caused those fools ; to do such thing, happens to be the same acct ( XXXX ), Equifax took all evening, updating my balance status!! I'm sick, and tired of Equifax, as well as XXXX conspiring against me : in an attempt to do the following : bring/cause much harm, and damage control to my credit report, scores, myself personally, and more certainly to my health! Why history has to keep, constantly repeating itself???
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C. 1681. 
1 ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX, XXXX # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXXXXXX XXXX # XXXX ( identity theft ) Has Violated my rights.

*15 U.S.C . 1681 Section 602 A. : States I have the rights 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. Any other item of information other than records of convictions of crimes which antedates the report by more than seven years.

*15 U.S.C . 1681 ( s ) 2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any credit reporting agency, if the person knows the information is inaccurate.
Product: Checking or savings account

I opened an account with Truist. I closed the account via telephone. The back office issued a check XX/XX/31 - I did not receive in the mail. I called telephone customer service and they instructed me to visit local branch for further help. Today, XXXX, local branch said there is nothing they can do to help. Teller is denying me my {$50.00} that I deposited in a Truist bank account. " There is nothing else, I can do. '' She gave me the impression that this is a loss on my end because I did not receive the check. Prior to visiting the branch, back office mentioned retail branch can help ( void check, re-issue, or give me cash ). This is not the case. 

I asked the teller to further look into my request and she denied helping me. Again, Truist owes me {$50.00}. 

She did not want to offer additional help or phone numbers to contact other staff members. 

Contacts at Truist ( who did not help ), XXXX XXXX, XXXX, and XXXX. 

Please help me resolve this matter. Thank you.
Product: Credit reporting or other personal consumer reports

Improper use of my reports. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. 
I have late payments showing for XX/XX/XXXX, and XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX I explained these payments were late because of not working because of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX and XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I did not have a contract with both companies that have been listed on the dates they are reporting that the account is was opened. Each time I dispute it they change the date. I've tried to dispute these items with TransUnion XXXX XXXX and they don't seem to care not resolve this issue. Its incredibly difficult to get someone on the phone, they don't follow through with their investigation. Allow these companies to access my sensitive data and post damaging misinformation on my credit report is grossly neglectful and irrisponsponsible of credit reporting agencies. Especially when I've brought this to their attention many times! Its violated my right to fair treatment and privcacy of my personal information.
Product: Debt collection

XXXX XXXX is always reporting that I owe them in which I dont even have an account from them. I havent used any XXXX in my apartment and my previous apartment. This is a scam. Someone is using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX System Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX and XXXX Account # 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: Payday loan, title loan, or personal loan

BB & T placed a lien on me personally. The obligation has been satisfied in full.
Product: Vehicle loan or lease

In XXXX of XXXX I walked into XXXX XXXX of XXXX and was approved through Hyundai Finance for a purchase on a XXXX XXXX XXXX which I gave a {$2000.00} down payment I was sold gap insurance without the option of not having it I was told I had to have that protection on the car. I proceeded with the sale of purchase. Fastfoward to XX/XX/XXXX I recieved a call from XXXX XXXX of XXXX NC where I live now and they told me that XXXX was buying back their XXXX XXXX XXXX and other models. I went into the dealership and was told that I could get a brand new XXXX XXXX financed again through Hyundai Finance again and that they would pay off my current car loan at the time which the total on my bill of sale was for {$19000.00}. I did not have to put any money down I said ok. I also was told that since the car had XXXX  on it that they are paying off XXXX would owe me the money left on the XXXX  contract. I did that process XX/XX/XXXX and received a letter of conformation that it was closed on XXXX XXXX from the cancellation department with Hyundai Finance. I then was told that the check would come from the dealership I orignially purchased the car from which was XXXX XXXX of XXXX. I called on XX/XX/XXXX and talked to patience with the accounting department at XXXX XXXX of XXXX and was told a check was sent to them from the XXXX  cancellations department and she fowarded my check on XX/XX/XXXX to Hyundai Finance which they recieved on XXXX XXXX, XXXX. I proceeded to ask her why she would send it to them if a bill of sale was provivded to their office and she said that they did not give a letter to them stating that the car was paid off and that a bill of sale was sent but it does not come to her office. XXXX  then stated that Hyundai Motor Finance would reiusse the check. Whenever i call the XXXX number listed for Hyundai Motor Finance it states the car is paid off and that they recieved a check for {$550.00} which is for my XXXX XXXX cancellation. I recieved a letter from Hyundai Motor Finance on XX/XX/XXXX stating that the car had been paid off and that all leins had been released and the title for the car would be sent to the dealership listed which is XXXX XXXX in XXXX NC. On XX/XX/XXXX I spoke to Hyundai Finance and was told they seen the the check and that it would escalated to be sent out in 7 days. On XXXX the XXXX I called and was told the contract belonging to this car was still active and their is now a balance on the car after I explained to the represenative that it was an error I was told it would escalated and handled and closed so I could recieve my check. On XX/XX/XXXX I was told from an alleged manager after asking to speak to a manager named " XXXX '' " We dont owe you nothing, you will not get any money until we get the XXXX on the account ''. At this point I am frusrtated because of how nasty she was I told her it was fraudulent and that you can not recieve and apply a payoff payment as future car note payments and not release my XXXX XXXX  cancellation check. I am now looking into legal action against all parties involved because I feel this predatory on all ends. Please i need help with this matter.
Product: Credit card or prepaid card

I have credit freeze on my accounts and and I recently got both a target credit card and a XXXX XXXX  card in the mail that I never applied for.. My wallet was stolen back in XXXX of this year and I froze everything because she has my ID my social security number and all of my credit cards. She has since opened a few new credit cards in my name and what really irritates me is that she's probably opening them over the phone, because she has my ID and I'm sure she looks nothing like me so she's not doing it in person I'm wondering why these stores are allowing her to open these when my credit is frozen? I have an active police report case number already too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at home checking my email and received a call from 2 banks saying that i was late on 2 different car payments that I don't own or know anything about. I then looked on my credit report and saw 2 installment loans that I did not authorize. These accounts are : XXXX XXXX {$49000.00} and XXXX XXXX XXXX {$25000.00}. I then went to the police station and explained the situation to them and they gave me a identity theft police report. I sent a letter with the police report to equifax to have it removed and hey still haven't removed it.
Product: Debt collection

I was in collections in 2013 with Diversified consultants, a collector for XXXX. 
Apparently it continues to show up as an unpaid debt with XXXX which is incorrect.
Product: Credit card or prepaid card

I have had a credit card with XXXX XXXX for approximately XXXX years. During which time, I have been having difficulty receiving the card in the mail. The card would be lost in the mail, and fraudulent charges made. 

XXXX would often take weeks to resolve this, and send numerous e-mails with conflicting information. Today, I notice XXXX took back a {$220.00} credit for XXXX of these fraudulent charges saying the merchant showed " information ''. Clearly, my card was stolen and used and thus, the merchant would have information about some purchase, which is not a surprise. I have not ordered nor received anything.
Product: Checking or savings account

We have established that the funds of the check deposited in my business name are being held. I want a timeline as to when the funds will be released to the writer of the check so he can reissue the check in the correct name. I have requested a timeline and have not received a callback although promised.
Product: Debt collection

I had auto insurance with   XXXX   XXXX   back in  XXXX  which I drop, because I called to see how much will it be for me to add full coverage to my   XXXX   XXXX   XXXX  . I was inform that my truck did n't have any coverage due to none payment in the sum of {$56.00},  XXXX   XXXX  thru  XXXX   XXXX ,  XXXX . I asked the rep how is this possible due to the fact, that my payments is automatic drifted out of my account and that was the reason my insurance was so low. The rep said she seen where I had auto drift, but something must have happen to the system, so in other words you had me driving illegal and adding to that I could have hurt someone and did n't have insurance.  XXXX  want me to pay something that suppose have been taking out of my account in the first place and put the debt on my credit report.  XXXX  said the only way that they would take it off my account if I prove I have insurance after I drop them. IT 'S NONE OF THEIR BUSSINESS, I HAVE OR DO N'T HAVE INSURANCE, IT DID N'T MATTER WHEN THE TOOK IT OFF WITHOUT TELL ME. I WANT THAT DEBT REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2019 At XXXX a representative ( XXXX ) from Prestige financial services called regarding my XXXX car payment which is 9 days late. I told him that I would not have a payment until XX/XX/2019. I usually make my payments at the beginning of the month. My previous payment was made on XX/XX/2019. I told him I usually pay before the payment becomes 30 days past due. He said that it was not possible to make arrangements and that I would need to make arrangements for sometime in the month of XXXX. He said books close at the end of the month. He asked why I did not want to pay my bill. ( I want to pay my bill but I do not have the funds until XX/XX/XXXX ). He said that I owed 2 monthly payments because of past due payments. I asked him to clarify that I owe $ XXXX, and he said it was due to late fees. He continued to talk over me. When I checked on my online account, I am only 9 days late and owe {$430.00}. I told him that I would only make a payment on XX/XX/XXXX, and I could not do anything before. He said that it is a possibility that my late payment would be reported to the credit reporting agency prior to 30 days. I told him that I have not been reported before even when I was 29 days past due, and he said that it was still a possibility. I told him that I will make a payment when I am able to. I told him to have a good day and I said goodbye, then I hung up. At XXXX, 2 minutes after I hung up, I received a call from a female representative ( Virginia ) from Prestige Financial services. I let her know that I just hung up on the previous caller from their company. She said she was calling to make an arrangement on my payment. I asked for her employee number and she said she was only able to give me her extension number which was XXXX. I told her that they were harassing me because I hung up on XXXX and they called me right back. I asked to speak to a supervisor. She put me on hold for a about a minute and said that because of the time, which her office was about to close, there was not a supervisor available to transfer, and that a supervisor would call me back. I told her that I did not want a call back and that I wanted to wait for a supervisor available. I told her I would not get off the phone until a supervisor came on the line. She said that I could not speak to a supervisor and she hung up on me. I received another call on XX/XX/XXXX at XXXX pm but no voicemail was left.
Product: Debt collection

My final Bill with XXXX was {$88.00} I had auto pay set up and I personally inquired on wether or not I needed to make my final payment before transferring my service to a different service provider. The representative I spoke with told me that the auto pay would still go through on the date it was set for. Well it didnt and I have relentlessly attempted to contact XXXX about my final bill. If you can imagine my surprise when this was put on my credit in the amount of {$180.00}. This amount is in excess of my final bill as I did not owe equipment fees or any other fees, just my monthly bill. I have since tried to access previous account information but XXXX refuses to allow me any access to previous billing history and once again I must star that I have not been able to speak to anyone about this. Now I randomly have Amsher Collection Service 's reporting this collection every month to the credit bureaus and it is affecting my credit derogatorily. My score literally plummets anywhere from XXXX points on any given day. Its causing me hardship. XXXX will bot allow me to access my account because it will prove I do not owe the amount being posted on my credit reporr.
Product: Credit reporting or other personal consumer reports

I have been trying to have a late payment reflecting on my credit report corrected for months, I was in deferment from XX/XX/XXXX and the past due payment was reported XX/XX/XXXX, I was advised the credit bureaus would be sent the information as well and any incorrect information will be updated. This is what has happened in the past, I have never ran into such a difficult situation having information reported incorrectly and going in circles with trying to have it corrected. XXXX provided me with a copy of my deferment document to send to experian and I did but nothing was corrected. There are other loans that were accurately reported but this specific one has not yet been corrected.
Product: Debt collection

Briefly - I was given a XXXX machine for XXXX XXXX, which did not work and was returned. I was promised a refund but when I showed with my XXXX machine but the only person to receive my machine was an assistant ( who I had never seen before ). She stated that the XXXX principals were not in ( even though I just talked with them by phone ) and that they did not have to be present to refund my {$500.00} deposit as they would refund my charge card from the info I had already provided. Not only did I not received my refund as promised, they then sent me a bill in XXXX for {$700.00} and sent me to collections as the same time. I informed the collection agency of the problem I was having but they informed me that their only responsibility/concern was to collect. Please help. Thank you!
Product: Debt collection

I moved out of my apartment and did a walk-through at the ending of XXXX XXXX, 2016. I never received a breakdown of the ending charges for the walkthrough however I was told it would be mailed to me. On XXXX XXXX I received a call from a collection agency called IQ International in regards to my previous Apartments. They told me that I owe {$470.00} was so I told them this was a mistake and I needed to call my previous Apartments. I called the apartment and they told me they made mistake on the bill and that they sent me a statement 2 weeks after I moved out ( XXXX XXXX ). XXXX XXXX XXXX managed by XXXX XXXX XXXX told me to wait a couple days before I call the agency which is not a collection agency. But the collection agency IQ International called me back ( the same day ) and told me if I do n't pay them in 10 days that I will pay 12 % of the balance each day and it will go on my credit report. So my lawyer sent a dispute of payment on XXXX/XXXX/16 & still have n't received a response. It just seems unethical that they did n't even give me 30 days to pay nor for the letter to even reach me. The collection agency responded to the Attorney General that they settled on XXXX/XXXX/16 ; however, my Attorney never received a response from them. And they reported it to the credit bureau.
Product: Debt collection

For the past three years I've been threatened with court from litigation companies for a debt that was paid. 
The first time I paid I was young and didn't save a copy that it was paid in full. 
Last year was contacted, paid AGAIN because I couldn't find the letter I needed. I did save this paid in full letter. 
This year was contacted again! This time I forwarded the pay in full letter to the litigation company. 

This is paid IN FULL and I was never contacted regarding the debt! For the 2nd time. I WANT MY ACCOUNT CLOSED AND TO NOT BE HARRASSED EVERY YEAR.
Product: Mortgage

My dad passed away unexpectedly in XX/XX/XXXX and my sister and I inherited his house and his mortgage with PNC Bank. In XX/XX/XXXX I had to switch the homeowners and earthquake insurance to my carrier, XXXX, because my dads carrier wouldnt allow us to stay with them because we werent already customers. In late XX/XX/XXXX I received notice from PNC that the XXXX policies werent listing The Estate of [ My Dad ] as a beneficiary, and if I didnt get this corrected, PNC would force place a policy. I contacted XXXX on XX/XX/XXXX and three way called PNC - the PNC rep told the XXXX rep what the policy needed to say, and the XXXX rep made the change and sent the updated policy info to PNC with The Estate listed as an additional beneficiary. The PNC rep confirmed that they had what they needed and would not force place insurance. On XX/XX/XXXX I called PNC again ( since they have been horrible to work with and I dont trust them ) to confirm that all the insurance info was correct. I had a bizarre exchange with a rude PNC rep in which she made up a story about someone from XXXX named XXXX ( no such person exists in connection with my account ) calling her, but ultimately PNC confirmed again that the insurance information was adequate and that they would not be force placing the insurance. The following week I received the declarations page from XXXX indicating that The Estate had been added to my policies as an additional beneficiary, consistent with what PNC asked us to do. Then I receive a letter from PNC dated XX/XX/XXXX stating they force placed the insurance. PNC needs to remove the force placed insurance and refund my account because the house has already been insured through XXXX since XX/XX/XXXX. I believe PNC is a dishonest and unethical company who is simply trying to make extra money off a couple of sisters in the chaos following the sudden death of their dad. PNCs employees have demonstrably lied to me by making up stories about XXXX from XXXX calling them out of the blue to explain declarations pages. My coverage under the XXXX policies is wholly adequate - it lists The Estate as an additional beneficiary in compliance with how PNC instructed XXXX to update the policy. PNCs representatives confirmed on multiple occasions that the policies are compliant and that they would not force place a policy. As an insurance attorney, I can state that the XXXX policy is in compliance with the changes requested by PNC - to list The Estate as an additional insured - and the coverage is legally adequate to protect PNCs secured interest in the property. There is absolutely no legal reason that PNC needed to force place insurance on my dads house. I believe PNC force placed the insurance in order to extract extra money from me, thinking that they have worn me down with frustration and I wont fight them. I believe PNCs actions are in violation of law.