23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I closed out my credit card in XX/XX/XXXX for Barclay bank card # XXXX I asked it there were any charges to pay and was told no. 

I received a text in XXXX stating I had a past due balance I called on XX/XX/XXXX and was told there were interest charges on a small balance. I decided it was not worth arguing so I paid XXXX was told it was in full and they would make sure account was closed. 

I received a text on XX/XX/XXXX again same thing I have a past due balance, I called and was told by XXXX her ID # was XXXX was told I owe a balance of XXXX which was from a interest of XXXX I owed from XXXX. 

She confirmed account was closed in XX/XX/XXXX. I asked her how I could owe anything. 
she agree to adjust off, refused to email me said " unable to ''. I also asked if they can remove any negative reporting to credit bureau and was told I have to email them, that request. 

This is ridiculous and unacceptable. I feel this is just another way to charge for interest and like I did the first time not bother to fight it and pay it. This time I refuse to. This is their error and they should fix it. This is criminal.
Product: Debt collection

I had no idea I owed money thought I was paid off said I owed XXXX and it 's almost {$800.00} now
Product: Credit reporting or other personal consumer reports

Equifax has removed a collection from my credit report and days later put it back on my report several times without showing just cause
Product: Debt collection

this collection company sent me a letter saying that I owe this company money. which I do not. the name is XXXX series a.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle loan balance is inaccurate, i have attempted multiple times to contact the lender to request more verification for the balance that was charged off. I have not received any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has put a weird block on my credit report and third parties are unable to access my credit report or view it and dispute items on my behalf and transunion is not fixing my dispute errors in few accounts so I hired a credit repair company to fix it but they are unable to access my transunion report due to a weird error and I need transunion to put a trouble ticket on my credit report And I cant lift a security freeze either Im getting an error message on transunion end.. 

I want this fix otherwise Im taking legal actions The following accounts in trying to dispute as identity theft is XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX I hire a third party credit repair and they are unable to access my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested that a statement be added to my credit file and that has not happened.
Product: Credit reporting or other personal consumer reports

I have been trying to get access to my personal data from Transunion. As im trying to get access I was told on the phone with a rep that there is a suppression on my account. I dont know how or who put a suppression on my account without my consent. I was then told that they have no reason they put a suppression on my account as i thought it could be identity theft. I have been told more than 5 times that they will escalate my case to another department that will call me in 72 hours or less. I have never received a call from them once and its been 2 weeks. I first called XX/XX/year> to correct errors that are showing on my account. This is the day i was told there is a suppression on my account and that I wont be able to get it changed unless I send in a written letter. Theres no other way to get it removed or for them to tell me the reason it was added. I sent in the letter XX/XX/year> it was delivered XX/XX/year>. I called again to check if letter was received XX/XX/year> I was told they didnt receive my letter and still could not tell me why a suppression was added and I received no results of change. Also again I was told escalation department will call me in less then 72 hours and never received a call. I called again XX/XX/year> because I still didnt get a call. I told them they are causing me damages and that I dont understand how a suppression got onto my account without my knowledge or consent. I was told there was too many security questions attenpts so they couldnt get access to my security questions to fix the situation and to call back in 2 days. I expressed to them I was convinced there is identity theft going on because I dont know who couldve tried too many attempts. I was then told the lady thinks its the system which I believe I was being lied to. And no one is able to help me get this off my account until they receive my letter stating I want the suppression removed. Im not able to access to any data or change any data for my account I have monthly subscription for credit monitoring and im not able to use my credit monitoring because there is no data so this has been causing me mental damages and financial damages. Once again I have no knowledge of why this happened they say they are not able to tell me the reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The foreclosure that was placed on my credit report erroneously, by Wells Fargo for a property that was not mine nor did I have a mortgage for it. foreclosure is on my credit report is false and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 with no resolve. The second contact was XX/XX/2018 at which time they resolved some items but not all. The following issues remain on my report still : XXXX  acct # XXXX need to be removed, not mine. XXXX/ XXXX XXXX acct # XXXX. Employer is XXXX   XXXX AND XXXX XXXX and previously XXXX XXXX. I was a victim of identity theft and I want my information reported correctly because these issues are affecting my goals in business ventures. I will pursue this issue until I receive accurate report.
Product: Credit card or prepaid card

During the time that I was paying this credit card, I was working two jobs in college and while all other payments were on time, I somehow genuinely forgot to make a payment to this credit card. I made a payment arrangement once I found out that I did not make the first payment ( XX/XX/XXXX ) and fixed the missed payment with the representative and I was also under the impression that my XX/XX/XXXX payment would be included in this agreement. However, to my surprise I was once again late on another payment for XX/XX/XXXX. Once this happened for a second time I set up automatic payments as these were honest mistakes and I did not want it to happen again. I have a 98 % on-time history and this incident was about 2 years ago now. I spoke with the representatives around the time and they informed me that they were unable to remove the " late '' payment, now after consideration I would greatly appreciate it if I could have both of these removed as I have not missed a payment or been late since this time. Not to mention, I was younger and did not understand the importance of credit at the time. I am now trying to increase my credit score and this would help immensely. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of some malicious actions by Hyundai Finance. Specifically, my wife and I had a Hyundai Motor Finance account # XXXX that was settled in full on XX/XX/XXXX. I have a letter, signed by XXXX XXXX from Hyundai finance dated XX/XX/XXXX that states that Hyundai submitted a request to the Credit Bureaus to reflect this account as a settled in full, charge off. Please see exhibit 1. 
I further confirmed on XX/XX/XXXX via an XX/XX/XXXXcredit report that indeed Hyundai had updated my credit report to reflect XXXX balance. See exhibit 2. 
I have been diligently working to improve my credit score for 2 years now in preparation for this moment, where I am now able to try to buy a home for my growing family- and on XX/XX/XXXX I applied for a mortgage and found that Hyundai Finance had removed the paid XXXX balance status from my account and updated it to show a charge off balance of {$540.00}, which according to the report was done on XX/XX/XXXX, a full year after the account was satisfied in full. Please see Exhibit 3. 

We lost the home we wanted to make an offer on as another buyer was able to get there offer approved, and now we are stuck with this egregious error on the report that is causing significant damage to our credit score, our finances, and taken its emotional and psychological toll on our current living situation. We further are in fear of missing out on the historical low interest rates currently available, and we are unable to take advantage on due to Hyundais continued incorrect reporting.
Product: Checking or savings account

In XXXX of 2022 I received a deposit in the amount of XXXX. My account was blocked, then shortly after they closed the account. I was never given an adequate reason as to why nor was I returned my funds.
Product: Credit reporting or other personal consumer reports

TransUnion lowered my XXXX XXXX XXXX points because a credit card balance decreased by {$55.00}!
Product: Debt collection

I have already filed a complaint against XXXX XXXX XXXX XXXX  and this company is the debt collector for XXXX XXXX XXXX XXXX. My former spouse is responsible for my son 's health insurance and health expenses were to be charged to my son 's health insurance per our divorce decree. XXXX XXXX failed to charge my son 's insurance company that is the responsibility of my former spouse. As such, this debt is not mine and should be immediately removed from my responsibility and credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information, have stated to them that the DOFD is inaccurate, this account should have been erased from the credit report being that it is an extremely old account and it is still being reported by Cavalry Portfolio Services. I am now getting about 4 calls with no voicemail, which constitutes harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was n't aware that checking to see if I was effected by the equifax breach via their website by inputting my last 6 of my SSN and my last name was excluding myself from a class action law suit. I was not notified before checking. This is XXXX shady. I was CHECKING! I  have n't signed up for anything yet!
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVER BANK XXXX, DISCOVER BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Experian, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX XXXX XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, Experian, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

Experian, XXXX, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Product: Credit card or prepaid card

I have previously had issues with mail being stolen from my mailbox at home and have been using a post office box address to receive mail. I was unable to update my mailing/billing address to my po box address on the companys website. After contacting a representative of the company I was told that their system does not accept a post office box address so they are unable to assist me and are unable to provide a valid reason for not allowing the update to my mailing/billing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Payday loan, title loan, personal loan, or advance loan

I spoke to this company multiple times over an outstanding debt of {$700.00} of which only {$200.00} is overdue. They harass me. Calling me 12 times in the last 7 days and calling family and jobs after being told not too. The stand in manager was very rude when I have explained I have to have XXXX and have some health issues and will get caught up.I advised her to pursue legal procedure. Im then which in me calling back trying to explain to her what happened and what was going on she proceeded to explain to me thats fine Ill file the paperwork with the court. I never had issues with the previous store manager. It wasnt until this lady came I had issues
Product: Debt collection

Debt collector claims I owe them a debt that they ca n't verify is there 's. They ca n't provide proof of documentation or ownership towards the debts. Never have signed a contract with them saying I owe them an XXXX amount of dollars.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Debt collection

Account number XXXX from PORTFOLIO RECOVERY ASSOCIATES on XX/XX/XXXX reported a dept in the amount of {$310.00}. According to US code 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer. 


On Account number XXXX from PORTFOLIO RECOVERY ASSOCIATES on XX/XX/XXXX a debt was reported in the amount of {$390.00}. 15 U.S. Code 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer. 

On account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a debt was reported in the amount of {$2500.00}. 15 U.S. Code 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer. 


On account number XXXX from XXXX XXXX XXXX XXXX debt was reported in the amount of {$260.00} 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a debt was reported in the amount of {$430.00} 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit card or prepaid card

I opened a Citi Premier card on XX/XX/2023 with a promotional bonus of spend {$4000.00} within 3 months to earn XXXX Citi ThankYou points. While I opened the card on XX/XX/2023, I did not receive the physical card in the mail until XX/XX/2023. Additionally, I was not given the option to have a temporary card number or to add the card to my digital wallet, therefore I could not use the card until it arrived on XX/XX/2023. 

My spending eligibility period ends 3 months after account opening, on XX/XX/2023. However, since the card did not arrive until XX/XX/2023, I didn't truly have 3 months to spend on the card, therefore I feel that the promotion is misleading. I requested an extension in XXXX after receiving the card, and was told to call back nearer the end of the period. I also called again on XX/XX/2023 to inquire about extending the bonus spending period beyond XX/XX/2023 to account for the lost time, but a supervisor did not seem to follow the request or was not offering to do so. 

As of writing ( XX/XX/2023 ), I am {$460.00} short on the spending requirement, and won't be able to meet it by XX/XX/2023. As it will be too late by the time this request is responded to, I would ask for a courtesy XXXX points once I have met the {$4000.00} spending requirement within 3 months of receiving the card.
Product: Debt collection

Portfolio Recovery is contacting my work at least 3 times weekly even after I have asked them not to. I dont have any money owed to anyone. I pay my bills. However this company continues to contact my employer, harassing me and embarrassing me.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public during the XXXX, XXXX, and XXXX data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and PERMANENTLY.
Product: Debt collection

National Credit Adjusters, XXXX, Kansas, put a delinquent Pay Day Loan on my XXXX Credit Report. NCA # XXXX ( XXXX ), My credit has been frozen with XXXX, XXXX and XXXX for over two years. Fraud Alerts were also on file with the three agncies. The Pay Day Loan should have never been approved. The loan was in the {$600.00} range in XX/XX/ 2022, and now the laon amount is {$870.00}. The laon was made online? I did not make this loan application. I have never received a phone call ( voicemail ), text, email or USPS correspondence about this fraudulent loan. It suddenly appeared on my XXXX credit report as a collection by National Credit Adjusters, XXXX, Kansas XXXX... .... I want all this removed from three credit reports!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within 30 days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX 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

I've been receiving repeated calls at my place of employment from these people at these telephone numbers : XXXX XXXX at ( XXXX ) XXXX and an unknown male at ( XXXX ) XXXX. Both have been advised by my employer that they are calling my place of work and that it is not appropriate for them to do so but they continue to call anyway. My first notification of such calls came by email from my boss ' assistant on XX/XX/19 and the second on XX/XX/19. On XX/XX/19 in the space of a two-hour period I received a series of calls at my direct line at my desk from the XXXX number as well as these additional numbers which I can only surmise are robocalls : ( XXXX ) XXXX ; ( XXXX ) XXXX : ( XXXX ) XXXX ; and ( XXXX ) XXXX. This all occurred despite my employer specifically saying to the callers at the XXXX and XXXX numbers that it is not appropriate for them to call me at work about personal matters. Based on a XXXX search, I believe the calls are originating from XXXX XXXX on behalf of American Express. I have attached the email thread from my boss ' assistant to me on each date.