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

Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX Company, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XX/XX/2023 I received an email from Kingston Data and Credit International Inc. They claim that I owe {$230.00} But falsely reported {$230.00} to XXXX without sending me any written notification of the alleged debt. 

Creditor Account Number XXXX XXXX Balance as of XXXX Owing -- {$230.00} Between XXXX and Today -- Interest Charged {$0.00} Between XXXX and Today -- Amount Creditor or Paid {$0.00} Between XXXX and Today -- Invoices or Fees Charged {$0.00} Current Balance -- {$230.00} Meanwhile, XXXX is reporting {$230.00} How did Kingston Data and Credit International Inc. verify the information? 

This is a clear violation of the FCRA 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and needs to be deleted from my credit report immediately or I will take legal action against the said company.
Product: Checking or savings account

I opened my savings and checking account with SoFi bank on the XXXX of XX/XX/2024 using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my ID. 

I linked this account to my previous XXXX account and tested to confirm the transfer transaction was possible. 
On the XXXX of XXXX my tax refund was deposited into the SoFi account after which I wanted to transfer some funds into my XXXX account to make payments but this transaction was not approved and my account has been frozen since then. 

I have called SoFi severally ( at least 5 times ) to try to resolve this issue, since that was the directive on the app. Anytime I call a link is sent to me to confirm my ID and when I use the same green card I used in opening the account in the first place, they are unable to verify my ID. 

On my last call ( XX/XX/2024 ) they did not provide me with the verification link, I was just told my account was still under review with no particular deadline as to when the review process will be completed. Additionally I was given no direction on what to do next other than just wait till I hear back from them.
Product: Credit card or prepaid card

In XX/XX/2022 I cancelled my account and had the credit card company close my account. Now I am seeing that they are attempting to charge me a yearly fee of {$100.00} for that same account / credit card.
Product: Checking or savings account

My debit card was restricted because I was told I violated my debit card policies and procedures. When asked in what way nobody was able to provide an explanation. Any claim that I filed was substantiated and proven. I am being targeted and economically harassed. I asked that my concern be reexamine and left a message for a manager to call me back for the sixth time. NFCU is one of the largest credit unions in the country and they are abusing that power by not providing ANY recourse.
Product: Credit card

I was an authorized user on a Citicard account of my dad 's, not a guarantor. They have consistently filed this on my credit bureau. When it came time to get a business credit card for my business this account inhibitied my ability to get an a business credit card. I removed myself from the account and asked for a letter stating I was no longer attached to this account as an authorized user. The letter came in my dad 's name which was not helpful to me. I called and asked for another letter. It never came. So I called back and they refuse to send a letter unless my dad calls and verifies his account. They are still reporting to my credit bureau and are not helping me correct their mistake. I was on the account when I asked for the letter. I want the account off my credit bureau and a letter that states I 'm not on this account or responsible for it.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/2024 - I logged into my TransUnion account through their website and paid {$0.00} to see my credit score. TransUnion stated that my debit card could not be used and to either use another card or reenter my card info. I reentered my debit card info and received the same message from TransUnion. I checked my bank account and there are two ( 2 ) identical charges from TransUnion for {$0.00} each. I checked my account on TransUnion and I still do not have access to my credit score. TransUnion 's website asks me to pay again but I refused to pay a 3rd time and instead contacted their support through their chat and chatted with a XXXX XXXX who said that consumers who paid the {$0.00} can not will not have access to their credit score for several days until the {$0.00} is no longer pending. That is NOT mentioned anywhere on TransUnion 's website and when I pointed that out to XXXX XXXX, his response was that it is 'implied ' that TransUnion will not provide services that have been paid for. XXXX also stated that there wasn't anything that TransUnion will do on their end and I have to contact my bank. TransUnion will not reverse their charges nor will they provide me my credit score that I paid twice for. That is fraud and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX issues I keep running into the same issues with XXXX. I have attempted to make many corrections to the misinformation that is being constantly reported. 

First, someone reported XXXX as an alias and they took that information as accurate. 

They also reported some other addresses that were really private mailboxes that I rented from a local XXXX store. Somehow, they reported those as valid apartment and home addresses. 

I disputed a lot of the addresses and they somehow appeared again this month. 

Also, it seems that my personal address was updated to an old address in XXXX XXXX, CA. 

I called to inform them of the update and I still dont see the update. I have reported many instances of telefraud to Immigration and Customs Enforcement ( ICE ). 

Im not sure what kind of fraud they are trying to perpetuate but I have a feeling it is a hate crime by the XXXX community. I have also reported this to the Federal Bureau of Investigations ( FBI ). 

I am a member of the XXXX and think that they somehow caught wind of this via the homoerotic fantasies being perpetuated in my current city of residence - XXXX, AZ. 

A lot of the younger males/females/them appear to have this XXXX fantasy with me involved. I think they record weird audio when I am training. 

Back to XXXX, new address alert - XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) had already been removed. New address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX ) moved out years ago. 

I have filed more than a few fraud reports to the Arizona Attorney General as well, regarding some of the crimes being perpetuated. 

I have had a XXXX membership since XX/XX/XXXX. 

Phoenix Financial Services apparently purchased some old medical debt that had already been paid off or written off years ago. I'm not exactly sure what kind of scam this company is trying to perpetuate via XXXX XXXX XXXX, XXXX. 

Somehow, this was reported to XXXX and added to my credit report. I don't think you can use medical debt to bring down credit scores - I am pretty sure this is illegal.
Product: Debt collection

I have discovered a collection account on my XXXX credit report from Commonwealth Finance, with an original creditor of XXXX of XXXX, for a total of {$710.00}. I have not received any notification of said balance from either the original creditor or collection agency, nor do I have any verification of said outstanding debt. Further, this appears to be for services rendered in VA. I live in TX.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX5 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.

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

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

Good afternoon, I bought a money order to pay my mortgage on XX/XX/2022 ; it was for {$650.00}. 
Mortgage company shared that they never got it. 
I went back to the money order business and they were able to trace the money order. It had been stolen out of the post office mailbox and altered. 
I have a copy of my original ; they furnished me with a copy of the altered money order. The altered money order was deposited, bank account info is right on the back of the copy of the cashed money order. 
My money order was made out to XXXX XXXXXXXX XXXX ; the altered to XXXX XXXX. 
The money order store has noted, " Money order was payable to XXXX XXXXXXXX XXXX but it was altered and cashed by XXXX XXXX. '' I had been visiting the money order store over XXXX a year now and am being told that " it's being investigated. '' I would like my {$650.00} back. All the information bank number, account number, etc. is evident with the copies. 
I'm not clear on the delay with the investigation. 
Thank you, XXXX XXXX
Product: Debt collection

Portafolio recovery is making a ridiculous amount of debt from 8 year ago The debt was for XXXX dls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint myself with no third party involved. I reached out to XXXX, XXXX and XXXX, credit reporting agencies, via Certified mail on XX/XX/2021, asking to verify all debts from DEPT OF EDUCATION/NELNET that was fraudulently furnished by them on my consumer report ; according to 15 USC 1681b . There were no responses to my requests.
Product: Debt collection

A company called Harris and Harris Ltd has been robocalling us repeatedly but we do not have any debts that are in collection. The calls and the numbers they came from were : XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX at XXXX XXXX XXXX at XXXX XXXX   XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX at XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against AMERICAN PROFIT RECOVERY. This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. 
To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/1994. My Social Security Number ends in SS # : XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to get this account off of my credit for some time now. The account was opened years ago by an unknown source. I have reported it fraudulent and asked for proof of debt, contract, the tax form since its a closed account and it keeps on being updated on my credit. It is not my debt. I even sent them an identity affidavit of theft and they refuse to remove this account from my credit report, Its hindering me and the next step is to take this to the attorney general.
Product: Credit card

I had a statement balance of {$1300.00} on the statement that closed XX/XX/XXXX. The minimum payment due date was XX/XX/XXXX. By that date, I had satisfied the entire statement balance except for {$530.00}. I paid that amount on XX/XX/XXXX. This was XXXX day after the minimum payment was due, but two days before the end of the statement cycle of XX/XX/XXXX. 

I was charged {$34.00} in interest. For {$530.00}. For one day. When they still received their money before the close of the financial period. 

When I called in to ask why, I was first told that I hadn't paid off my entire statement balance. When I informed the rep that was incorrect, she then came back and said that my payment on XX/XX/XXXX was late ( she had the payment date wrong ). I always thought the due date was for the minimum payment and that I had until the end of the statement period to pay the statement balance. This is one of the reasons why I asked for the terms and conditions.

She also gave me two different answers when I asked what the amount is that I am being charged interest on. First I was told {$1800.00}. This amount corresponds to my current purchases from my last statement, which aren't even due until XX/XX/XXXX. I asked why I would getting charged interest on my current purchases. Then she said I'm being charged on {$1300.00}. This corresponds to my entire previous balance, despite the fact that over {$800.00} of that had already been satisfied. I asked her to clarify that she was saying that it is legal for them to charge me interest for money paid to them that they had already physically received. She said that is how the interest is calculated. This is the other reason why I asked for the terms and conditions. Then later I looked at my statement in further detail, and it turns out the amount they ACTUALLY charged interest on was {$1400.00}. Where did that number come from? The rep I was talking to clearly had no idea when she was giving me her answers because she came up with XXXX and neither of them were right according to this paperwork. 

They won't email me the terms and conditions so that I could have the rep help me find the section that authorizes them to do these things. I have to wait to get them in the mail. It seems totally wrong that they are able to charge me {$34.00} for not having paid them {$530.00} for XXXX day. It seems extremely shady that the rep couldn't find the amount I was charged the interest on, and that no one at Chase is able to directly point me to where this is authorized. I asked to speak with the person at Chase who can, and I was literally told no one there is able to do that. I was told the terms and conditions are my personal information, which they are not. They were produced by Chase and someone there should be able to navigate them when a customer asks.
Product: Mortgage

In XXXX I requested Harp loan applications from our first mortgage company.. Filled out application and faxed all document to them on XXXX XXXX, 2015. They later requested a hardship letter which I did and faxed to them on XXXX XXXX, XXXX then they waited until XX/XX/XXXX. to request section XXXX & XXXX so I did that and faxed to them. We are into XX/XX/XXXX now and they are asking for repeat documents again. I have never seen anyone delay, delay, and delay the process of my HARP request. I have tried to talk to them about why they could not ask for all documents needed to send at the same time. Each time I sent the documents they needed they would postpone contacting me for an appointment for at least 2 weeks. then they needed something else. There is no way to get any help for this loan request. I know that if I do n't receive a HARP assistance within 2 months I am afraid I will have to start the default process which will lead to us leaving our home. I tried to get help from my mortgage company and they have no intention of giving a reduction in the principal or lower interest. I am currently not in default and am trying to stay that way.. but I think that I need to file this complaint so other families will not fall into this same despair.
Product: Debt collection

They have been reapplying this debt for over a decade on my credit reports they just use different names or addresses
Product: Credit card

I missed several payments due to my financial circumstances. My account was restricted. I have made many payments since then and was notified over the phone that my account restriction is permanent. I have not been notified as to why this is permanent. I have paid thousands towards this card with a very high interest rate and now I cant even use it.
Product: Debt collection

A company called " Municipal Services Bureau '' calls every single day at XXXX XXXX PST ( previously at XXXX XXXX PST ) and has done so for about six months. Each time an automated recording asks that we call the company 's toll free number. I understand from an internet search that this company is a debt collection agency. I do not have any outstanding debts and wish for this company to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed incorrect address to credit karma in XX/XX/2018, as well as to XXXX on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.
Product: Checking or savings account

I am writing to demand that Bank of America stop trying to intimidate me, harass me, and bully me as I am one of the class members in the CFPB Class Action Settlement vs Bank of America. According to the CFPBs press release on XXXX, Bank of America has been ordered to pay more than {$100.00} XXXX to customers for illegally charging junk fees, withholding credit card rewards, and opening fake accounts. I am entitled to receive compensation for the harm that Bank of America has caused me. 

Bank of America has been harassing my future father in laws home in XXXX NY to try to intimidate me with threatening letters and a strange guy who kept knocking on his door this morning. My future father in law suffers from XXXX and is fully XXXX. This is unacceptable and unlawful behavior that must cease immediately. 

I hereby request that Bank of America stop contacting me or my future father in law by any means, including phone calls, e-mails, letters, or visits. Any further attempts to contact me or my future father in law will be considered harassment and will be reported to other relevant authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after obtaining reports from both XXXX and XXXX through the XXXX website, I went to continue to the Equifax website, which began as the others did with a battery of four questions. After answering them, I was presented with a " Equifax can not provide your score online '' manure page, which directed me to try to obtain my credit report through the mail. Equifax 's website offered no reason for this, and no apparent recourse. Its support page lists phone numbers to call for the stated purposes of " Becoming a Business Customer, '' " Opting out of Mailing Lists, '' " Dispute information in my credit report, '' " Denied credit or entitled to a free report? '' and " Place a fraud alert on my credit report, '' and NO page for " Questions, '' " Concerns, '' or " Issues,  '' or any combination of the three. Frustrated, I called the line under " Entitled to a free report '' to be put through their automated line. 3:30 seconds later, after going again through the prompts, and dodging the consistent advertising to pay for my credit score, I have been told, again, with no reason as to why, that despite the fact I went through this saying " Free '' ( the option for getting your report under the FACT act ) I still had " no discount applied to this selection '' when simply trying to get my free disclosure. Equifax, intentionally or not, is in fact obfuscating consumer rights and their own website in such a way that it is illegal, time consuming, and extremely disheartening. In doing so they cause harm to people with little and no money who are trying to clear any potential obstacles to success by cheating them first of their time, then their mandated free reports, and finally they are stealing the money from the consumer that has no choice but to obtain their credit report. They also very clearly violate federal law by withholding a mandated free credit report, and charging for it despite the mandate.
Product: Student loan

In the last 10 years I had to file Chapter XXXX which caused the Student Loan to be in deferment for 5 years until the process finished. I did not understand that interest fees would still accrue. The loan amount was ( originally ) about {$40000.00}. Now, for the last year all monthly payments only go to interest rate fees. The Navient Student loan amount is now over {$80000.00} with no workable process or way for me to pay back the loan.
Product: Vehicle loan or lease

I had a car loan with Santander consumer USA. My first late payment was in XX/XX/2015. I had asked them to up date the information as it will be coming off of my report soon and they went back into their records and put that I was never late. I honestly had a difficult time paying this company and I later found out that they were a predatory lender.
Product: Debt collection

LVNV FUNDING LLC - DID NOT SIGN A CONTRACT WITH THEM XXXX XXXX XXXX - DID NOT SIGN A CONTRACT WITH THEM XXXX XXXX XXXX - DID NOT SIGN A CONTRACT WITH THEM