23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Credit Company :  Barclaycard  Reward Program : Take {$100.00} Off Your  Next   XXXX   XXXX   Flig ht Offered By   XXXX   XXXX   XXXX   XXXX    MasterCard Pro blem : Reservation was made on  X/XX/2017   at   XXXX  as instructed by the program. However the tab " Gift Card/eVoucher '' was no where to be found on the web page for entering the flight discount code and the pin. I went ahead to complete the flight reservation. I wrote to  Barclaycard  on  X/XX/2017   an d raised the issue. I have attached the   XXXX   reservation Record  Locator Code and a copy of the reward offer discount code and the pin number I received a response from Barclaycard  dated  X/X/2017   -telling me they were unable to complete the request and a sked me to call their Customer Services. I call ed Barclaycard Customer Services  on  X/X/2017  . Th e Customer Representative told me to try to make another flight reservation using the discount code and the pin. I told her this was not acceptable. Then she said it was not their problem. It was   XXXX   XXXX   problem After waiting for an hour to connect with  XXXX , she came back and told me she could n't solve my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps showing up on my credit report and its is fraud and a scam that is not my fault I already showed them my police report and FBI report also but still they have not taken it off my credit report XXXX XXXX ending in XXXX I would like this taken off my report asap
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate my complaints/disputes for the below accounts and I would like them to be deleted from my credit report. They were supposedly investigated, deleted and reinserted which completely hindered me from gaining credit. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX Amount : XXXX -XXXX XXXX opened on XX/XX/XXXX Amount : XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX  Amount : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback
Product: Payday loan, title loan, or personal loan

have a payday loan and interest rates are higher than what the law states
Product: Credit card or prepaid card

Dear CFPB Officer, Fifth Third Bank offered me a XXXX credit card with a 12 billing cycles promotional rate of 0.00 %. I accepted the offer and a balance was transferred on XX/XX/XXXX for a fee of 4.00 % of the amount ( not a subject of dispute ), which appeared on the XX/XX/XXXX to XX/XX/XXXX billing cycle ( which could be interpreted as the first billing cycle. On the XX/XX/XXXX to XX/XX/XXXX billing cycle ( which based on the above-referenced interpretation and the best-case for Fifth Third Bank would be the 12th billing cycle ) I am already being charged interest at a nominal of rate of 1.6229 % ( which if compounded annually is approximately 21.3 %, the statement quotes an Annual Percentage Rate of 19.74 % ). I believe that 12 billing cycle free interest charge means that the 12th cycle is also free of interest charge. I called customer services but they said I'm incorrect on my interpretation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX in XXXX XXXX XXXX during the time this loan was initiated with XXXX XXXX XXXX XXXX. During this time I did not have cell phone service or wifi. It was impossible for me to pull the loan. Ive called and asked them about it and they did confirm it was electronically signed. Ive recently been able to get a copy of my credit report and identity errors such as this because Ive taken a break from XXXX. From XXXX Ive XXXX XXXX times with the XXXX XXXX . All to places where I did not have cell phone service or wifi. The account number of this loan is XXXX. 

This account was fraudulently opened by someone who accessed my account during this time of my first XXXX. Please resolve this issue and remove it from my credit report. Ive already filled out a report with identitytheft.gov and contact XXXX XXXX and was offered no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has declined to release my free credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company 3 times disputing unverified and inaccurate information. They are not telling me how they are investigating or who does them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank at no point in their response back to me informed me of any of my issues, that I reported on my complaint. 
I asked to know why is my credit limit being lowered with EVERY PAYMENT I MAKE..they lower my credit limit to the new amount owed After each payment..keeping my credit utilization thru the roof and keeps having my CREDIT SCORE DECLINING BECAUSE THE REPORTING AGENCYS ONLY SEE THE UTILIZATIONS HIGH AND THAT LOWERS 30 TO 50 POINTS ECERY MONTH ON MY CREDIT REPORT ... I HAVE LOST ALMOST XXXX POINTS JUST BECAUSE OF THIS ISSUE.. 

Sooner or later I know some one will sue for the right laws and when this becomes a claim I well be the first 1 to add my name to the list ... this has got to be illegal to an extent.. 

I understand you give me credit you can take it away ... but you take it away with out hurting my credit score involved ... and to top it off..I have not missed 1 payment with my schedule..and yet they punish me and my credit score each passing month ... 


They did not comply with a correct response to any part of my complaint ... they legitimately just wrote words on a pdf file to have as a response with out no foundation and no law to stand behind my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to call and fix the problem called XXXX said they didn't have an account or pull people credit and gave me other number same thing said they had no account under my name and didn't pull peoples credit called XXXX they said file a dispute online but you can't and i show that i ask about other hard pull on my credit he said don't worry it okay it go away and hung up on me, XXXX me to be honest XXXX VIA XXXX XXXX XXXX XXXXXXXX,  Data Source/Recorder 's Office : XXXX Requested by : XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX Total Tax Amount : XXXX and i am not going to pay this amount on my taxes and i no i will be hit with it on personal taxes also want this removed NEW INQUIRY XXXX XXXX XX/XX/XXXX it very damaging to any person credit and have no clue where it come from or what it is
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX keeps asking me to sign back up they charge way to much money and when I did have them they didn't get much done for me my credit isn't bad I only have one collection account and all my information got leaked out over the Internet in XXXX and again in XXXX they also had a lot of different issues on their website telling me I didn't have right login information and I had to call them several times to get it fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent collection : previously deleted for being such. 

The requested hard copy documentation of addresses was previously delivered to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this company to publicly announce with any other parties, that I am or have acquired a debt with them. This is tarnishing my credit with other potential business clients and more this is illegal.
Product: Credit reporting or other personal consumer reports

There has been an inaccuracy on my credit report due to someone unauthorized inquiries, In Accordance with the FCRA section 611 for inquiries the following companies violated my consumer right. I do not authorize none of the inquiries listed below please kindly investigate and remove. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My son lost his job and got behind in a payment.  He paid partial payments and attempted to get caught up.  He also called the company and requested a couple month deferment until he got back on his feet.  They told him not our problem "get it from your co-signer".I don't believe there was ever a time that it became over 1 month behind (it may have gone to 2 months but not more)  A monthly payment is $XXXX so there was never a balance higher than $XXXX  plus late fees.They called me a couple of times at work and while I was driving.  I was annoyed that they would harass me over $XXXX dollars and told them so also told them that my son requested a short deferment.  The person that I spoke with in XX/XX/XXXX advised he should have been given that option and was very understanding and apologetic.  The only person I ever dealt with that was.The loan did get 2 months behind in XX/XX/XXXX.  Everytime he would try to get caught up it would never be the total amount so it kept adding up.I was in shock that they would be harassing us so relentlessly for a little over $100 and told them so.  Before getting caught up they reported it to the credit bureau against my name and have damaged my credit score.  I was never advised that they were going to to do that.  I have worked hard for over 30+ years to obtain and keep an outstanding credit score and without the lease bit of notice/threat that they were going to do it, they have caused me irreparable harm.I am extremely dismayed to find out that they can so callously do this kind of damage for such a small amount of money and see that they have been fined for this exact kind of issue in the past.
Product: Vehicle loan or lease

Hi, I have had numerous issues with Hyundai motor finance USA. I have had two issues of getting deferments on my account and then they reported them as 30 day lates. Ive also had some late fees showing on my credit as 30,60 days late. Ive never been more than 26 days late on my account I have always made my regulatory schedule payments. I had an XXXX credit score and now because of Hyundai reporting 2 -30 day lates and 1-60 late my score of down to XXXX all due to Hyundai as every other account in my credit has and shows a perfect payment history. 

This needs to be corrected and stopped.
Product: Mortgage

XX/XX/XXXX  My loan with XXXX XXXX was transferred to Mr Cooper. I only know this because I got a letter from XXXX XXXX. No contact from Mr Cooper. 

I was able to use the Mr Cooper website to get my new loan number. 

XX/XX/XXXX  I then made a payment using my bank 's bill pay, but it was returned the next day XX/XX/XXXX  Tried calling Mr Cooper, but their phone system says my new loan number is invalid, there is no option to proceed without a loan number they think is valid. Note from above the loan number I'm using is the ONE THEY PROVIDE when I input my XXXX XXXX Loan number and SSN. 

Also tried their website live chat, it just says it's too busy to assist me with a real person. 

The website says my account won't be ready for online use until XX/XX/, but the mortgage payment is due today, XX/XX/. 

How can they take over the mortgage, and then not provide a way to make the payment before it is due? And no way to talk to a real person? That makes no sense.
Product: Debt collection

A debt of {$52.00} was paid to XXXX XXXX XXXX on XX/XX/year>, for a debt owed to XXXX XXXX. On XX/XX/XXXX, I received an email from LJ Ross Associates, who is trying to collect the same debt of {$52.00} plus charge me an additional {$20.00} in fees for a total amount of {$72.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( XXXX ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against VyStar Credit Union for improperly reporting a paid-off XXXX account to my credit report. 

I have been a member of VyStar Credit Union and have enjoyed their services. However, I opened another XXXX  account at a different bank due to its closer proximity to my home and the necessity of frequent cash withdrawals, which helped me avoid accumulating costly ATM fees. After transferring my primary deposits to the new account, I inadvertently neglected my VyStar checking account. I did not close the account or freeze my debit card, which led to an unexpected charge, resulting in an overdraft. This overdraft pushed the account into a negative balance, which was subsequently reported to the credit bureaus, and this was how I first became aware of the issue. 

I acknowledge my responsibility in not monitoring the account more closely. To rectify the situation and demonstrate my sincere apologies for this unintentional oversight, I promptly visited the nearest VyStar branch and spoke with a manager. The manager assured me that such situations were relatively common and advised me to settle the owed balance, which would then result in the negative report being removed. Following this advice, I immediately paid the outstanding amount. 

Despite my prompt payment, the account status was updated to reflect only as paid, rather than removing the negative mark entirely. This has significantly impacted my credit score, adversely affecting my ability to obtain better financial products and impacting my financial stability. As I am currently in the process of purchasing my XXXX XXXX, this negative account is particularly detrimental, potentially resulting in higher interest rates. 

Furthermore, I never agreed to overdrafts on this account, which was the main reason it went negative and was subsequently closed. Additionally, I never agreed to have this account information furnished to my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], furnishers of information to credit reporting agencies must ensure that the information they provide is accurate and have proper authorization. I request VyStar Credit Union to provide proof of my agreement to these terms. 

Given the circumstances, I kindly request that the CFPB investigate this matter and instruct VyStar Credit Union to remove this account from my credit report. I understand and accept my part in this oversight, but I hope that my prompt actions to resolve the matter can be taken into account. The situation was entirely unintentional, and all owed balances have been fully paid. If VyStar fails to correct this account, I will consider taking legal action against them for not ensuring maximum possible accuracy, as required by the FCRA, Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 

Thank you very much for your time and understanding. I deeply appreciate your assistance in this matter.
Product: Debt collection

I was renting an apartment in a house for about 10 years ( approx. from XX/XX/XXXXthrough XX/XX/XXXX). Un aware that the landlord was piggybacking off of my electric to service from the basement and other areas of the house that had nothing to do with my account. 

I reached out to XXXX XXXX several times regarding unreasonable electric bills for one person in a small apartment unit. The landlord denied this claim and was also renting out an illegal unit to me which I was unaware of until I contacted an attorney and was advised. 

I ended up taking the landlord to court because he neglected to make necessary repairs and because I believed he was stealing electricity from my meter and that is why my bill was so high every month leaving me with a balance of {$1400.00} and a negative report on my credit.
Product: Student loan

This company is currently servicing two of my private student loans. I have contacted them several times by phone and by email for assistance in repaying my loans. The interest rate has continued to go up and has increased four times in the past twelve months. I can no longer afford the payment as it has increased to over {$500.00} a month and they have done nothing to try to help provide me with relief. I have paid on this loan for over three years and every single payment has gone to interest. I believe that their loan practices have resulted in a violation of the UDAAP as the principal balance of the loan has more than doubled and by the time I have paid it off, it will have quadrupled. The only relief they offer is to service members, and I am only a child of a veteran I have not served myself. Therefore, they will do nothing to assist me. I have contacted them over the past four years so that I could get help before it got to the point where I could no longer afford my monthly payment. They are putting young students in debt that they will not be able to afford to pay back and it needs to end before we have another economical crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called today ( XX/XX/2020 ) to talk to an Equifax representative and informed him that I can not access my account. When I login, I get the attached message, the message saying that my account is locked out and to call a 1 800 number. I called that number, the representative reset the password, and I am still not able to access my account. I have tried for several weeks, logging in for several weeks to access my account and I keep getting the attached error message.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A.States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year.

15 U.S.C. 1681s-29 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or reasonable cause to believe that the information is inaccurate
Product: Debt collection

Portfolio Recoveries never sent an initial notice giving me the opportunity to dispute this debut they are attempting to collect in which they allege belongs to me in the amount of {$2400.00} to XXXX XXXX. They continuously send letters demanding payment, and even stating they will send to legal department. Upon checking my credit report I found this inaccurate information and submitted a dispute. They mailed a forged letter allegedly from XXXX XXXX, in which the address listed on said letter is not my address. This company has managed to find my true and correct address with no problem when they send payment demands, and letters from their attorney, however the said validation letter states an address that isnt mine, but this is all information sent over from alleged original creditor.