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

XXXX/XXXX/XXXX I went into an XXXX XXXX XXXX authorized retailer to discuss the possibility of switching from a pre-paid plan to a post-paid account with a device. During the course of the conversation the employee performed a credit check without my knowledge or permission. At the end of the conversation the employee said the check had been a soft pull and would n't affect my credit. 
XXXX/XXXX/XXXX I got an alert that XXXX XXXX XXXX had done a hard pull of my credit on my equifax report. I immediately called XXXX XXXX XXXX and they said they could n't do anything, it had to be removed by the credit reporting agency. Equifax had already closed for the weekend. 
XXXX/XXXX/XXXX I spoke to Equifax, they said XXXX XXXX XXXX had to give electronic authorization to remove the inquiry. 
XXXX/XXXX/XXXX I spent over an hour on the phone with XXXX XXXX XXXX transferred to 4 different departments. No one knew how to remove it, most people said they could n't have done a hard inquiry. They told me I had to speak to the store where the inquiry had been done. 
XXXX/XXXX/XXXX I spoke to the authorized retail location and the employee said she needed her manager to help her. 
XXXX/XXXX/XXXX I spoke to the manager at the authorized retail location. He did n't know what to do and hang up on me, then refused to answer the phone ( I tried calling back for over an hour ). 
XXXX/XXXX/XXXX I spent another half an hour on the phone with XXXX XXXX XXXX customer service. They transferred me to finance who said I needed a payment specialist to help. The payment specialist did n't know what to do and hung up on me. 
XXXX/XXXX/XXXX I filed an online dispute about the inquiry with Equifax. So far no response.
Product: Credit card

I have been a Bank of America Visa holder for approx 15yrs. I recently accepted a balance transfer offer with a XXXX APR if paid by end of XXXX. Additionally offer states a " 3 % transaction fee '' which will increase to " 4 % '' unless I contact BofA to reject by XXXX. Today, XX/XX/XXXXXXXX  @ XXXX I phoned to reject the 4 % increase and retain the 3 % fee already charged. Customer service XXXX states the policy on their end is to advise my account will be closed if I reject the 4 %. I read my offer & fine print verbatim and the terms to call with rejection of increase and nowhere on the document ( s ) is a threat to close my account if not accepted. He continued to verbalize all he could do was close my account. I requested an escalation however no manager available to speak to me.
Product: Debt collection

XX/XX/2021 middle of the pandemic. I stopped working in XXXX to move back home in XXXX. Was looking for work. In XX/XX/2021 I was involved in a XXXX XXXX and had XXXX XXXX in XXXX XXXX I let XXXX XXXX know I wasnt working, I told them I was in a car accident. They closed my account and immediately sued me. The agent basically didnt care and kept harassing me to call other family for money to pay. They did not give one XXXX  about my situation. Once they found out about my accident the expedited the process to close my account to obtain a judgment against me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. 
So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 
They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given right 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : My mortgage company is not reporting my payment history to any of the big 3 agencies. 
Two years ago I contacted my mortgage company via US Post Office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX and asked them to please report my credit history to the 3 credit reporting agencies. 
Never received any response. 

In XXXX of XXXX I sent letters ( via US Post Office ) to Trans Union, XXXX, and XXXX. I included in each communication a copy of my most recent monthly Mortgage Statement. I explained that XXXX XXXX XXXX has been the company receiving my mortgage payments for over 10 years and has not ever provided any agencies with my payment history. ( Which has been perfect the entire time. ) After waiting about 3 weeks, I received one response from one of the three companies. I have received no other responses since then. 

Last week, I checked my credit reports ( hoping to see something positive ) and confirmed that no action has been taken by any of the three companies. 

What I want : I want XXXX XXXX XXXX  to report my perfect payment history to Trans Union, XXXX, and XXXX. 

Also : Since XXXX of XXXX, I have had a perfect payment history with my Utility Company. ( XXXX XXXX XXXX ). Is it possible to have this perfect payment history reflected in my credit reports as well? 

Thank you for your attention. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX 30 days from XXXX XXXX, 30 Days XXXX XXXX, 60 Days XXXX XXXX 60 Days XXXX XXXX, 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in ( Credit Bureau ) violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that ( Credit Bureau ) has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX IDispute all ftc violations sent over 45 days ago
Product: Credit card

I have a credit card from Barclays ending XXXX. In XXXX of XXXX I have received a letter from Barclays offering a promotional balance transfer rate of 0 % and 3 convenience checks attached to it. 
Check numbers were XXXX, XXXX, XXXX. The letter stated that the checks must be posted prior to XXXX XXXX in order to get the promotional rate of 0 % APR until XX/XX/XXXX. 
The 1st check # XXXX was processed on XX/XX/XXXX to XXXX for {$9600.00}. That transaction was marked correctly on my statement and had 0 % APR. 
However, the 2nd check # XXXX was processed on XX/XX/XXXX to XXXX XXXX for {$14000.00} was marked in Barclays statement as check # XXXX instead of # XXXX. Because of that Barclay started charging me interest of 20.24 %. When I caught this issue I called Barclays to resolve the issue hoping to reverse all interest charges. The 1st call I made XX/XX/XXXX and spoke to XXXX with ID : XXXX XXXX created the case # XXXX to have the problem to resolved ASAP. On XX/XX/XXXX I called again and was told that the case is still pending. On XX/XX/XXXX I went online at my Barclays account and asked for support in the chatroom. The chatroom said that the letter with what needs to be done was mailed to me XX/XX/XXXX. The letter came in XX/XX/XXXX. The instructions were to call general number. 
I called again XX/XX/XXXX and spoke to XXXX. XXXX ID is XXXX. XXXX said that XXXX ( previous manager ) didnt create case file correctly, so it was ignored. XXXX created the new case # XXXX. On XX/XX/XXXX I have checked Information on-line. There were no changes to interest being charged and payment breakdown. On XX/XX/XXXX XXXX confirmed over the phone that the check received on XX/XX/XXXX {$14000.00} is check number # XXXX. 
Barclays insists that the check I signed was XXXX. This is false statement. I never had that check. Im attaching supporting documentation : 1. Promotional letter. 
2. XXXX statement when payment was received. 
3. Barclays statement with {$9600.00} check # XXXX cleared. 
4.Barclays statement with {$14000.00} check # XXXX ( wrong number! ) cleared. 
5. Current statement showing different interest Being applied to both transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax + The XXXX XXXX XXXX, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on Equifax Please look into this new complaint as soon as possible
Product: Money transfer, virtual currency, or money service

To Whom it may concern, My name is XXXX XXXX from XXXX, I am using Paypal checkout as a payment method for my XXXX website. Few days ago my paypal account was terminated without notice and it has a 180-day hold period now. ( Total amount {$10000.00} USD ) My Email : XXXX My PayPal email : XXXX XXXX
Product: Debt collection

them to set up a reasonable payment plan for a past rental balance, and they told me I had to apply for at least XXXX loans and show proof of denial before they would even consider it. 

When I requested written confirmation of this ridiculous policy, they refused and claimed they dont use email anymore. Their representative, XXXX, was aggressive and hung up on me when I asked for a supervisor. 

They are using predatory tactics to pressure people into full payments instead of working with them fairly.
Product: Debt collection

In Ohio, the statute of limitations for most types of debt is as follows : XXXX. **Written Contracts ( including most credit card debts ) : ** 8 years from the date of the last payment or acknowledgment of the debt. 
XXXX. **Oral Contracts : ** 6 years from the date of the last payment or acknowledgment of the debt. 
3. **Promissory Notes : ** 6 years from the date the note was due or the last payment.

4. **Open Accounts ( such as utility bills ) : ** 6 years from the date of the last payment.

Given that the statute of limitations for written contracts ( which includes most credit card debts ) is 8 years in Ohio, a third-party collection company may still be within its rights to pursue collection if the debt falls within this period.
Product: Debt collection

Kay Jewlelers continued to contact my family my mother, sister, brother even after I wrote letter of hardship offering to pay {$50.00} a month until debt was paid. They practice unlawful practices and harass other members of my family in other states - I have asked them to stop these practices. I have offered to pay a minimum of {$50.00} a month. I have tried to close account to freeze interest. The website will not close the account nor will they close via letter request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in TransUnion. Lets correct this immediately. TransUnion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. REMOVE this account immediately : ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

There have been several instances where I have been scammed out of my money and I tried taking action through cashapp on multiple occasions and nothing was done, I wasnt able to cancel any transactions or do anything about it
Product: Checking or savings account

Email received about savings and checking account opened through TD Bank on XX/XX/22. No accounts were personally opened by myself.
Product: Debt collection

I have sent them two letters asking them to properly validate this debt, they have sent me back nothing more then generated computer copies that does not validate what I asked for in anyway. 

I keep getting the run around with useless reply letters that do not properly validate in anyway. 

I have also have sent them stated that I am exempt, because my only source of income now is from SSI, with no regards to this letter. 

Amount is {$1400.00}
Product: Checking or savings account

I originally opened a complaint an td bank answered me for overdraft fees for the month of XXXX  stating I was charged overdraft fees because insufficient funds, that was not my complaint, my complaint is at the time of the coronia virus epidemic, td bank was sent a letter from state stating at this time of crisis you should not charge overdraft fees, they ignored the letter an continued to charge over draft fees an not returning them, Im talking going back from XX/XX/XXXX to present, they responded only for overdraft fees I received in month of XX/XX/XXXX, Im talking about the letter that specifically was sent to Td bank along with with other banks that was sent out on XX/XX/XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

Got a XXXX from American Express for XXXX in ammount of {$1200.00}. I have not had a card since XXXX and my account was written off in XXXX. I have phoned American Express numerous times and have spent at least XXXX hrs on the phone with them explaining the issue. I get transfered around and around to the same depts over and over and they all say I need to go to the other dept. to get answer but never get anyone that can answer it. Ask to talk to some XXXX in XXXX and they say I ca n't and they ca n't transfer me there. This will effect my income tax this year but I never got any interest. It was written off in XXXX and given to another outside collection agency. The amount they say they paid me in interest makes no sense because the amount written off was WAY more. They refuse to help me and I am trying to do my taxes. If I do n't get a response I am leaving it off my taxes and will hold American Express responsible for any consequences. I have informed them of that and they do n't care. Very hard to talk to someone in a foriegn country that does n't even know the form I am talking about. They keep calling it a XXXX XXXX even though it is a XXXX XXXX. This company is terrible and should be held responsible for its business practices. I need this resolved and reported to IRS I did n't get any such payment. Thank You
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX XXXX solutions XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has reported a late payment on my credit report that is reporting XXXX different months. On my XXXX Report its reporting that I was late in XXXX and Transunion reported that the payment was late in XXXX. They are reporting the payment being late XXXX different months that is clearly inaccurate.
Product: Mortgage

XX/XX/2020, my banking institutions emailed me alerted me that I exceeded my budget. I logged in to my account and I saw that Fay Servicing withdraw {$830.00} from my checking account. 
I called the customer service and spoke to a lady. She claimed that on XX/XX/2020, someone called in to make a payment transaction over the automated phone systems. I explained to her that I never call to make my payment to a robot. I always spoke to a human besides, my payment is due on the XXXX of the month. 

I asked her to get the name of the person who made the phone call. She went and checked, she came back and said sorry, I can't get the information of the person that ordered the payment. I said you don't protect my information against a thief they don't guard my bank account numbers in their systems. Then she told me to get the paperwork of my Bank transaction to send to her and they will refund my money. 

MY point is, Fay Servicing allows anyone to hack their system and steal their customer information specially the bank account the law should make that illegal actions. 

I went to my bank and file a fraudulent withdrawal from my bank account. Two days later the money was back to my bank account. Fay Servicing put my bank account information in danger. 

I want Fay Servicing to change its policy to protect all information from all borrowers in their systems. 
I was lucky enough to get my money back. What if I wasn't able to get my money. Fay Servicing will just say is not our fault. Its the fault of the telephone system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( Experian deleted the account and then placed it back on knowing that the fraudulent debt was charged off then sold to a different entity under a new account number but keeping the same XXXX XXXX name ). Experian has failed to remove the deleted information that was affiliated with fraud personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. 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: Debt collection

I submitted to the company that I denied the debts and any portion thereof they responded with another collection notice and a bill from the original debtor stating that I had a XXXX balance and the charges of the XXXX had been paid yet when I called them to inquire as to why they were still collecting on a debt that had a XXXX balance they refused to allow me to speak to a supervisor and hung up on me.
Product: Payday loan, title loan, or personal loan

I had submitted my personal loan application on XX/XX/2022 and had also unfrozen my credit files at XXXX, XXXX, and XXXX. My XXXX XXXX is in the 760 area and have one existing loan with XXXX XXXX with an balance of {$29000.00}. I was looking to payoff my loan with XXXX XXXX with this new loan at Discover. I have made numerous calls but was told they still needed to verify me and would require a copy of both my Driver 's License and Social Security Card which I sent on XX/XX/XXXX of this year. I am still waiting and the payment for XXXX XXXX is due on XX/XX/XXXX of this year. Since Discover has not resolved this issue I will be making the XXXX payment and would like to have the remainder of the loan proceeds sent directly to me and not to XXXX XXXX. I will payoff XXXX XXXX once the current payment has been processed. The loan request with Discover is referenced with # XXXX. Requesting this loan has affected my XXXX XXXX in a negative manner because of their inquiry and lowered my XXXX XXXX. This is a form of discrimination of the Elder.
Product: Credit reporting, credit repair services, or other personal consumer reports

This alleged has been reported and is not resolved, I need to know the verification method used on investigating this account. I provided all appropriate information on previous complaint. I would also like to inform you this account has been removed from XXXX and XXXX, so your improper investigation is concerning and by law all my information should be accurate amongst all reporting agencies. Again this is very stressful and causing harm to me and my family due to neglect on Experian part. 

Please provide all documents providing by furnisher and step you took to come to the inaccurate conclusion you have come to in regarding to this account. 

XXXX XXXX is the alleged account. 


Thank you for your assistance.
Product: Debt collection

XXXX PORTFOLIO RECOVERY ASSOCIATES LLC sent a debt collection of {$700.00} that was dated back XXXX from a XXXX  XXXX and it was charged off XXXX. Im reporting this account as fraud because my brother has used my name in several attempts to receive credit cards for financial gain in my name. For I have no knowledge of this account and I'm also attaching a official document from his XXXX  XXXX that he has been using my name with a FBI number that's listed on the document .and I have also re-enter a fraud alert with XXXX XXXX with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I had check my credit an found some late payments on my credit report, I have written 4 letter to transunion and XXXX   requesting a validation or deletion of these inaccurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA section 609b, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call, etc.. .XXXX  has removed this inacurate or unverified reporting, I have sent a copy of it.

This is a clear violation of the law and it will be reported with FTC, for these violations as well as this complaint constitude proof in a court of law for litigation.