23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with third party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX  reported to my credit 30 days late to my payment when i have never paid 30 days late i called to let him know but all he says is i will look at it but never fixes the issue
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX received via certified mail my letter to OPT OUT of future reporting of my account transaction as they are illegal to be reported per 15 USC 1681a ( 2 ) ( a ) ( i ). XXXX XXXXXXXX XXXX XXXX responded with an acceptance of my opt out. 
This morning they reported Transactions History information they stated they would not as they accepted my OPT OUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER LOOKING AT MY CREDIT REPORT I NOTICED A BANKRUPTCY THAT WAS PUT ON MY CREDIT REPORT IN ERROR. I DISPUTED IT. 

EQUIFAX STATED THAT THEY VERIFIED IT ON FED XX/XX/XXXX THIS NOT CORRECT. I OPTED OUT OF XXXX XXXX XXXX ON XX/XX/XXXX. THEY HAVE ERRONEOUS INFORMATION ON MY CREDIT REPORT.
Product: Student loan

Spoke to a representative XX/XX/XXXX about my student loan refund from payments made in XX/XX/XXXX and XX/XX/XXXX. The rep stated the refund has been processed but failed to give a time frame or date on when. It has not been reflected on my edfinancial loan account either. Never received an email for confirmation either
Product: Checking or savings account

I opened an account with Citibank in XX/XX/2019. I signed up for the promotion where if you open an account with {$5000.00} you get {$200.00}. It has been 6 months and I still have not received my money. I have tried calling Citibank several times but every time I call them they tell me to call the number at the branch I opened my account at. Whenever I call this branch ( ( XXXX XXXX XXXX XXXX, they never pick up. I have called them several times and every time I call them I just get redirected to their voice automation system. The voice automation system later transfers me to someone else who says that can't help me unless I call this branch directly. One time I called Citibank and a representative gave me their number and said to call them after 30 minutes. I called them but they didn't answer that time either.
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had 2 checks intercepted and fraudulently deposited to an account at TD Bank. I contacted XXXX XXXX XXXX XXXX, XXXX, and the TD bank. And up until this date, which is now siXXXX months afterwards, I have not received any resolution. On XX/XX/22 I wrote two checks to pay taxes. They were deposited after altering the payee and my signature. I have contacted both XXXX XXXX XXXX XXXX and T D, and they have not received any resolution. The amount of the checks with XXXX, XXXX and XXXX, XXXX. I also received a penalty for the state of Georgia which I want back also and I would like interest on the money
Product: Consumer Loan

I am writing in regards to a vehicle that was purchased from Hyundai in XXXX, SC. The contract shows that the vehicle is in XXXX XXXX as the main borrower and Me ( XXXX XXXX ) as the co borrower. I have repeatedly call Hyundai Finance and requested that the account be corrected and they told me that because I had a beacon score they changed the contract. This is stressful due to them sending Certified Letters to me and when XXXX calls to see about the account they refuse to talk to her about it cause they state that she is not on the account. I have never had such a problem with a vehicle that has been financed in my entire life. They stated that they can change the contract and that we can not do anything about it. I know that by law you can not change the contract and they have actually sent me a copy of the contract which shows that XXXX is first and I am the co borrower. Please help me get this straight cause evidentially they are stating that they can do whatever they want to do and there is no telling how many other customers this has been done to. Thanks for your help
Product: Payday loan, title loan, or personal loan

My hours were cut at work due to covid-19. I sent a letter with a payment saying not to contact me that I would make a payment every other week because of my situation. They cashed my check but still called me. I got a call from them so I picked up the phone and asked the lady while she was calling me when I sent a letter saying not to contact me. Her response was because you still owe money. I informed her not to contact me that is was breaking FDCPA rules. When I sent in my next payment I sent in another letter telling them to stop contacting me. But again the continue to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is reporting an account on my file that I have paid. I recently took a look at my credit and notice ERC is still reporting a debt that I have paid to them. I ask that they remove this account as it has been satisfied. I am aware that they can report to the bureaus as they deem necessary. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.
Product: Checking or savings account

My husband, XXXX XXXX and I closed on a HELOC from Citizens Bank XXXX XXXX ) in XX/XX/2023. We were given debit cards. The cards were brought home directly and put into our home safe. 

In XX/XX/2023 I received a text from Citizens Bank from their fraud department for four unauthorized charges. Upon calling, the charges were placed in dispute and I was not responsible. 

Citizens Bank then issued me a new debit card which I was instructed to pick up in person at the XXXX NY branch. Again, I secured both cards in my home safe. 

In XX/XX/2023 I was again notified by the Citizens Bank fraud department that my new card was compromised with two charges. Mind you that the two cards were never inserted, swiped or used in any fashion including on-line purchases. Both cards have never left my possession.

This leads me to believe that there is a breach within the Citizens Banking system. I have refused a third debit card and I have requested credit protection for one year which Citizens Bank as of this day has not responded back to me.

Citizens Bank has broken my trust as a new customer. What can I do going forward to protect my credit and or banking information? 

Any help in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX e-mail XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is inquiry on Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is 1. XXXX XXXX  - XX/XX/year> 2024
Product: Credit card or prepaid card

Credit Card has failed to issue reward points for 3 Billing Cycle. 

Initial called sometime in XXXX, and was told there was a system issue that would soon be corrected. 

Called Credit company again on XX/XX/2022, and told a system issue since XXXX has prevented rewards to be posted. 

I requested the points be posted to my Ultra reward account, as a accommodation pending the system fix. Was told they couldn't do it. 

I was Requested to submit client complaint, Credit Card company failed to take complaint and only provided a phone number to call which was not a complaint division for the Credit Card. The number was not for the credit company, but rather the Corporate Headquarters number foXXXX Ulta XXXX XXXXXXXX XXXX XXXX XXXX Payment XX/XX/2022 {$250.00} XX/XX/2022 {$310.00} XX/XX/2022 {$180.00} Card logo says XXXXUlta XXXX XXXXXXXX XXXX  XXXX XXXX number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to law 15 U.S.C. 1681 SECTION 602A- Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not furnish an account without my written instructions. 

I have request several times for these accounts to be proven or removed from my report and have requested the original copies. Please prove these accounts not by the automated system. I have disagreed with the credit bureaus and creditors las investigation on XXXX XXXX XXXX XXXX  with no response at all. My rights have been violated and the bureaus have not done a through investigation according to the law. 

Please remove these accounts.
Product: Debt collection

There is a company called Portfolio Recovery and XXXX XXXX that are trying to ruin my credit. These are debt buying companies that go around and purchase these acts for XXXX on the XXXX  and expect me to pay them. I have asked numerous times for copy of original creditor contract, copies of all payments made to original creditors with balances, and proof original creditor handed them of my acts and how much they paid for them. I have yet to receive any information Ive asked for. Ive disputed these accts several times with all credit bureaus and they have done nothing either but keep saying the acts are accurate and not providing me with the documents Ive asked for. If I do not receive them within 30 days the accts should be removed off my credit reports. They are still being reported. I want all these acts removed from my credit report. Ive already received lawsuit on one of these accts from XXXX XXXX I have to go to court over.
Product: Debt collection

All the debt on my credit report reported the last 3-4 years it's due to identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explained to XXXX through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither XXXX nor National Credit Adjust, XXXX XXXX XXXX, and XXXX XXXX  which all identify as charge-off accounts. XXXX was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. XXXX has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.
Product: Credit card

PayPal Account : NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent two credit card payments from PayPal to XXXX XXXX XXXXXXXX in the amounts of {$1500.00} and {$1700.00}. I requested a reversal of the payments ( The credit card paid amount is sent back to the original form of payment ). On XX/XX/2023, I was approved for the refund and XXXX XXXX XXXXXXXX sent out the refund. My credit card bill went up {$1500.00} and {$1700.00} that day. 

I did not receive any refund on the part of PayPal. I have already contacted XXXX  XXXX XXXX and they said they sent out the refunds on XX/XX/2023, and XX/XX/2023, in the form of a lump sum to one of Paypal 's intermediary banks. 

I have contacted PayPal customer service multiple times and all they say is to contact XXXX XXXX XXXXXXXX, in which they said they already sent out those amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLIAM # XXXX UPDATE TO CLIAM # XXXX UPDATE TO CLIAM # XXXX BRIDGECREST IS IN WILLFUL VIOLATION/ NEGLEGENCE AND NONCOMPLIANCE under its fiduciary duties as a FINANCIAL INSTITUTION under the Regulations of the CFPB and 12 CFR 1016.15 ( 1 ) -- 12 CFR 1016.7 -- 12 CFR 1016.10 -- - 12 CFR 1016.4 -- 15 USC 6802b ( B ) ( C ) -- 15 USC 6803 -- 15 USC 6804 -- 15 USC 6801. BRIDGECREST has claimed they will not honor my direction to cease reporting and have referred to there alleged lawful agreement giving them the authority despite their obvious failure to meet the requirements of a FINANCIAL INSTITUTION under these provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two consecutive days, XX/XX/XXXX and XX/XX/XXXX ( 2017 ), I tried using the TransUnion online and then the TransUnion phone response systems to freeze my credit. After correctly inputting my personal identification online, TransUnion could not " confirm my identity '' and directed me to use its automated phone system. I tried using the phone system but I got cut off after the outgoing message stated it could not confirm my identity. I correctly answered the questions. As indicated, I went through the process twice. I called TransUnion, waited 35 minutes, and spoke to a representative. She acknowledged that yes, I might get cutoff but I had to use a different TransUnion number. She gave me the number and transferred me to the number - XXXX. I got cutoff after I was transferred and again after I dialed the number directly.
Product: Debt collection

I've sent certified letters to the try and resolve and verify this debt. they responded to the letter without providing all documentation regarding the debt that owed. Action are currently still being reported by the company. Certified letter sent XX/XX/2022 Tracking # XXXX Amount {$490.00} Portfolio Recovery Associates , LLC. They fell to provide any or all signed contracts between all parties. Also, my information was shared without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard credit inquiry on my credit report with a company ( Online information services ) I have no business with. I called the company ( Online information services ) and they said they can not find my name or information in their system. So then how could they have made a hard inquiry on my report? Also they want me to pay to have more of my information shipped to them to dispute this claim when I dont think they should even my information in the first place!
Product: Checking or savings account

After recently opening a small business checking and savings account, a customer 's check was inadvertently returned as 'fictitious, ' and the company quickly wrote another check to replace the 'fictitious ' check. 
Suncoast restricted the account so I can not see or access any information on my account. The company ( XXXX XXXX ) who wrote the checks have advised that the check cleared their bank, and even spoke with a banker saying the check has cleared. Suncoast is saying that they have information indicating that the new check will also be returned as 'fictitious, ' and will therefore not release restrictions to access my account. 
Suncoast has said they will eventually write a letter regarding their investigation, but can not give me a timeline when that will be. 
I can not access funds, make deposits, or even see any account information online at all. This has crippled our company, making it unable to do business for the last several weeks because Suncoast back office says the expect the new check to be returned. 
I want to close the account and open another account at another back so we can make deposits, and conduct business, but they said I can't even close the account. I told them they can mail the check with whatever funds are in the account after they do their investigation, but I want it closed. They said I can't even do that while they take their time doing their investigation. 

None of the checks were fictitious. XXXX XXXX has verified the funds cleared on the XXXX of XX/XX/2024, and I think Suncoast is relying on bad information to justify freezing my account and not letting me conduct business.
Product: Mortgage

I had a meeting with the Bank Loan officer to refinance my mortgage with another bank. The loan officer steered me towards a Home Equity Installment loan and I proceeded with the application process. I requested information pertaining to terms and closing costs. The Good Faith Estimate I received did not include all the fees or the added interest PNC requires. Later I received a revised estimate that started including more interest and I was asked to raise the loan amount to cover, I agreed but asked for all the documents I would be signing to be sent to me so I could review what type of mortgage I was signing up for since the terms and fees seem to be increasing. I week later I was given another estimate of closing that once again exceeded the previous amount of the loan. I refused to increase the loan amount further and filed three formal complaints with the bank so I could receive the loan documents prior to closing ( so I could be informed about what I was signing up for ). The loan officer at one point stated he would send me the documents but then rescinded that offer. The revised Good Faith Estimate I received did not itemize out the added interest PNC was adding to the closing amount and only had one lump sum. The complaint with PNC has not solved any of the issues and I will not be closing tomorrow as originally planned. I have been charged by my own bank for fax fees that I did not authorize in relation to this refinancing. My hope throughout this process was to be an informed borrower but PNC would not comply with that. Their web site has very generic terms and until yesterday they did not even state the actual name of the loan product. Throughout the complaint process the PNC agent told me the loan was not covered by the Truth in Lending Act which made me even more worried about signing up for something that I could not review ahead of time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 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: Student loan

I have three fraudulent student loans from Reunion Student Loan Finance Corporation XXXX XXXX XXXX XXXX XXXX SD XXXX, which bought the original loans from XXXX XXXX XXXX ( XXXX  ) on my credit report from XX/XX/2003. XXXX was closed due to fraud and they had a partnership with Minnesota XXXX XXXX XXXX, which also shut down due to fraud. The loan amounts are {$2800.00}, {$2800.00} and {$5000.00}. I have filed a police report and a report with the FTC. I have disputed the loans with all three credit bureaus, but only XXXX has removed them from my credit report. I want these loans removed from XXXX and XXXX immediately!
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$3.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My information has been breached over 8 times in the last 6 years. I have debt reporting that the credit bureaus have failed to remove, has not provide any proof. I've only received corresponding letters with negative results, responding the debt has been validated as verifiable. I have yet been provided any contracts within a timely matter, resulting in XXXX days at time waiting on dispute results. I've been disputing for years and now it has became a burden to my livelihood.