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

I have a walmart master card with a balance of XXXX. I call the company today customer service to see if they would lower my APR rate Im paying 25.15 %. 

I havent used this card in over a year and been playing {$200.00}. a month never late or missed a payment,, They told me theres nothing they can do for me since i open this card with this APR which is a lie cause my statement from back in 2018 was 24.15 % I honestly dont know what my APR was when i open this card cause i used to have just walmart but they close that and update the card to walmart mastercard. 

I dont get paper just online so i dont look i just pay All they would offer me was if i spend between $ XXXX {$290.00} then i could get 12 months free interest. I said Im trying to pay this off not ADD. I think this is XXXX   XXXX. 
I a good loyal customer. 

paying {$200.00} a month not even making a dent and the payment they keep asking is never the same One month it can be lower and next higher which doesnt make sense either
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 MAJOR REPORTING COMPANIES FAILED TO VERIFY MY INFORMATION WITH CREDITORS BEFORE ALLOWING THEM TO PULL MY CREDIT REPORT. I had a fraud alert on my credit report that would have lasted for at least 4 to 5 years. There were inquiries on my credit report that were not mine. I disputed with all 3 major credit reporting agencies over and over again with no resolve. These creditors pulling my credit profile have not supplied any proof of verification showing any signed applications verifying my identity. The following are hard inquiries on my credit report that I have no knowledge of. 

- 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 These inquiries have an impact on my credit score and need to be removed. 

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

Equifax does not deliver credit reports via XXXX. The request always crashes and the consumer gets a message that the report can not be delivered online and must be delivered by mail. This is designed by Equifax to make the consumer endure the hassle and time delay of requesting the report by mail or forcing the consumer to BUY the report online. This is by design. Yes, it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 20 unauthorized inquires on my Equifax, XXXX and XXXX  credit report. I wrote a letter explaining that these were unauthorized inquires and that I would like for them to be removed to make sure my credit report was accurate as possible. XXXX investigated and deleted the inquires but Equifax and XXXX  failed to respond or take action about the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a report with XXXX and Equifax stating there were items on my credit report that did not belong to me. I filed a formal police report about the incident and sent it into the credit bureau ( s ) along with the letters listing the items that did not belong to me and the credit bureau ( s ) did not remove the items. They sent me a letter saying they were not accepting my identity theft complaint and report and they are not removing the items listed on my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report, as I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to restore accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$410.00} In addition, I request the removal of the following unauthorized inquiries 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need assistance with some negative items appearing on my report. I previously provided the three documents you requested, along with the dispute letters and the specific accounts I want removed.
Product: Credit card

Walmart refused to take my order online, when even though I had a balance of credit to use it kept saying the card was not able to take the payment. I was transferred multiple times and ignored. They refused to take my payment over the phone and hung up on me repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX/XXXX XXXX IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.
Product: Credit card or prepaid card

See attatched USPS RTR form 3811 article received by : XX/XX/XXXX USAA CREDITCARD SERVICES XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX XXXX XXXX XXXX ) USAA RECIEVED see attatched United States CRIMINAL INVESTIGATION LETTER dated XX/XX/XXXX USPS DELIVERIES NOT BEING MADE ZIP XXXX see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM LETTER claim date XX/XX/XXXX {$470.00} ** INVESTIGATION COMPLETED XX/XX/XXXX ( 11 months later ) see attatched FTC ID THEFT case XXXX This CONFIRMS ORIGINAL ISSUE USAA DOES NOT PROVIDE ACCESS DUE TO MY XXXX XXXX XXXX. Kindly Note I AM ONLY ABLE TO SEND THESE DOCUMENTS TO USAA ONCE WHICH I DID. I HAD TO PAY AN ADVOCATE TO MAIL THESE TO USAA. THIS WAS PHYSICAL PAIN, EMOTIONAL PAIN & FINANCIAL PAIN I CAN ONLY ENDURE ONCE. ** CFPB PROVIDES EASY USER FRIENDLY ACCESS FOR ME TO PROVIDE THESE TO USAA A SECOND TIME AS THE XXXX USAA REP OF FRAUD DEPARTMENT TOLD ME XX/XX/XXXX ** NONE OF THESE DOCUMENTS WERE NOT PROVIDED ALSO see attatched Merchant Response XXXX XXXX THIS IS NOT MY IP ADDRESS * THIS IS NOT MY DELIVERY ADDRESS * THIS IS A THIRD PARTY NOT XXXX. USAA NOW ( as of XX/XX/XXXX ) HAS BLOCKED MY PHONE ACCESS AS WELL AS ON LINE ACCESS. USAA PROVIDES NO ACCESS AT ALL. SUDDENLY I HAVE NO PHONE VERIFICATION QUESTIONS TO BE ABLE TO BE VERIFIED. I CALL RETALIATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have reached out to XXXX XXXX, phone and mail over a 100 times and get no where I have told them multiple times all the inquires the I have attached are fraud I have sent police reports, FTC reports even a Fraud Victim complaint form and got it notarized, I even sent the letters from SYNCB because they act like they never received it from SYNCB and I know for a fact they did the proof is here. Ihavecontacted each creditor and they have asked met oreach out to XXXX personally to have these fraudulent inquires removed from my credit report anblocked Iwill List them below Sync/XXXX XXXXXX/XX/2022, Sync/ TJXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are all fraudulent inquires and I want them removed as they are violating my Fair Credit Act Laws 15 U.S. 1681 section 602 states I have the right to privacy.

15 U.S. Code 1681 c -2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information they results from an alleged idenity theft not later than 4 business days after the date of this receipt.
Product: Debt collection

I never owned credit cards or ever banked with Capitol One bank. They're getting my credit mixed up with my father credit history. I'm XXXX XXXX XXXX And he is Sr. Never owned or paid for Capitol One credit card. And I would like this off my credit report and stop using my social security number.
Product: Debt collection

I fired XXXX XXXX XXXX for failing to live up to their contract. They sent me to collections which I refuse to pay.
Product: Money transfer, virtual currency, or money service

Ok i am currently looking for a rental for family and I and came across this property for rental on XXXX XXXX. So I contacted the person via text and she stated still available but had tenants moving out on XXXX so I said great I have to move out of where I am by end of month so we preceded she sent me an application {$50.00} then returned response that I was approved following this she stated for me to pay her the amount of {$700.00} to hold the property and so she can take off the market so I sent her the {$700.00} via XXXX to her attorney, so next she came back that was received so now she will send me the lease agreement to fill out sign and return so i did. then she proceeded with the tenants asked for extension so now walk through will be on XXXX and that she had a business trip to XXXX she will send the keys to me via Mail to my current address. so she then asked for the XXXX month rent {$1500.00} via XXXX and that i would receive paperwork on the walkthrough day. So she emailed me a tracking number for the keys I was gon na receive. then the day I was supposed to receive it said customs fee needed to be pd they were on hold. So I emailed her of this info she started another scenario of she had to pay extra $ to send me the keys can I help her pay also that she had bought a house out in XXXX now by this moment I knew i was done she had stiffed me out of my money!!!! Also I do have all the text messages and the lease agreement, application that i filled out just could not upload it. I am a working single mother which is now out of this money and still looking for a place to live by the end of the month.
Product: Debt collection

You claim that I owe debt in the amount of {$110.00}, XXXX XXXX XXXX XXXX XXXX 

According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt you are attempting to collect. 

In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law. 

If you do not cease communication a lawsuit will be commenced against you.
Product: Student loan

I have been on income based repayment since XX/XX/XXXX. During this time, I have had multiple services and am currently with Fed Loan. I have submitted my employment certification form to fed loanfor my employer from XX/XX/XXXX to XX/XX/XXXX. This was accepted as a qualifying employer. I have made 81 payments from XX/XX/XXXX to XX/XX/XXXX. This is based on review of my bank statements to make sure payments were made. However, the count on the website for qualifying payments is still 21 ( i.e. 5 years worth of payments is missing ). I asked for a manual count in XX/XX/XXXX. I then reached out to the fed loan ombudsman around XX/XX/XXXX. I have reached out to them multiple other times for status updates and they verify that manual count is still not completed. Once i submit my new employer certification from XX/XX/XXXX to present, I should be at 102 payments ( close to forgiveness which occurs at 120 ).
Product: Debt collection

I never got a bill from credit collection services. I have no idea who they are and I never had any dealings with who they represent.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/2020 I received a text message on my phone stating that I had sent a payment of {$2400.00} to a person by the name of XXXX XXXX which I do not know. I logged in to my PayPal account right after the text and sure enough, there was an unauthorized money transfer. The person who hacked my account changed my chase credit card which is my preferred method of payment to my XXXX XXXX XXXX card to transfer himself the money. I reported the fraudulent activity & unauthorized transaction to PayPal right away. A case was opened, however, PayPal kept stating that the fraud committed on my account was NOT unauthorized when in fact it was. Two never seen before credit cards XXXX XXXX & XXXX XXXX XXXX were also added to my account, still PayPal refuses to help me with this fraud. I have been a PayPal customer for 15+ years and PayPal has failed to help me with this matter. I filed a complaint with my bank plus processed a stop payment on the money transfer even though the money had already been deducted from my bank account. At this point, PayPal was no longer of help and has declined and closed my case three times and I had exhausted my appeals. Instead of PayPal performing a more deeply investigation they kept saying the transfer appeared to had come from me. I was stressing out all this time so decided to report this with your agency and hope you can step in and get to the bottom of this fraud. PayPal has now locked my PayPal account because a stop payment was issued. I have reported my bad experience to the PayPal Manger email address ; XXXX XXXX XXXX and also to the president and CEO of PayPal XXXX XXXX ; XXXX with NO luck. PayPal refuses to help customers during a serious fraud like this one.
Product: Checking or savings account

im writing to file a claim against navy federal credit union reguarding multiple over draft fees ive incurred. despite having funds available when transactions were authorized. i was charged over draft fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against navy federal or similar practices where transactions settled with efficient balances despite initially available funds. i believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX - XX/XX/year> XXXX - XX/XX/year> The following inquiries were not authorized and should not be reporting.
Product: Debt collection

XXXXXXXX XXXX XXXX  CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, This collection from Credit Management and XXXX XXXX is fraudulent. This account was opened under a fraudulent address and with my personal information. This is identity theft. I have spoken to Credit Management and XXXX XXXX and told them that this is not an account that I authorized or opened. Please remove this collection from my credit reports immediately. 
There is an active fraud statement on all of my credit reports. 
Collections Report Date : XX/XX/2022 Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit scores. 

Date Reported : XX/XX/2022 Collection Agency CREDIT MANAGEMENT Original Creditor Name XXXX XXXX Date Assigned XX/XX/2022 Original Amount Owed {$110.00} Amount {$110.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/2022 Comments Contact CREDIT MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Debt collection

I received a bill for a minors XXXX that occurred around XX/XX/2017. I was the POA for the minor for follow up appointment purposes. However, her mom was SUPPOSED TO BE listed as the guarantor. Somehow I think there was a clerical error and I am now being held responsible for a bill that I don't have the resources to pay. I have been in contact with the hospital, the XXXX group, and the credit bureau system trying to fix the mistake. Yet, somehow, nobody wants to budge on the issue. For providing insight, Note that I'm in college with no financial aid, working and going to school full time and I can barely afford the bills I already have. This issue has ruined my credit and probably my chances for renewing my lease in a few months. What seemed like a little issue could now leave me homeless
Product: Credit card or prepaid card

On XX/XX/22 and XX/XX/22 credit cards were applied for using my business information with XXXX XXXX Bank XXXX They denied the applications. The reference numbers for the denied applications with Chase Card Services are XXXX and XXXX. They sent me letters acknowledging they were denied due to what appeared to be fraudulent activity. I contacted XXXX and disputed these two inquiries which appear on my credit report and they recommended that I file a complaint with you to have it on record and perhaps this can help you catch these perpetrators.

To be clear I am not disputing anything with Chase Card Services, they have done everything they are supposed to. I am hopeful in contacting them you may be able to collect information such as the fraudulent application and find the people who tried to do this.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment with the ongoing presence of fraudulent account on my credit report. Despite reporting the case of identity theft and contacting the respective companies associated with this fraudulent account, they have failed to provide the necessary records. However, they assured me that upon submission of the required FTC report, the fraudulent accounts would be promptly removed. 

This account require your immediate attention : XXXX XXXX XXXX. 

It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when other agencies have already addressed the issue. I urge you to promptly remove this inaccurate, erroneous, incomplete, or unverifiable account from my file.
Product: Mortgage

I am a XXXX XXXX XXXX homeowner whose loan was sold to Amerinational Community Services sometime during the XXXX. At the time the loan was sold, my balance was behind. I had asked XXXX to move that balance to the end of my loan. They neither responded or acted on this request. In XXXX XXXX, I wrote to Amerinational asking how they 'd calculated my balance. I also asked for a copy of the transfer info. I never received it. A few months ago, Amerinational sent me a letter asking me to pay them $ XXXX for XXXX to XXXX XXXX. My mortgage payment is {$920.00} per month. I responded by sending in my payment receipts for those months and noting the error. From there, I was deluged with random letters that expressed no purpose. At one point, I spoke to a rep who neither acknowledged or offered to straighten out this mess. He was concerned with confirming my cell number. I sent back an account of this in writing. He offered to send me a loan modification app and said it was their goal to help me keep my home. I completed it and sent it back. For close to a month, I went back and forth with a woman who kept asking for tax returns after I informed her that I did not file XXXX taxes. To offset this, I sent all salary and wage information as a required attachment to the application but she could not understand this. I received four letters in 10 business days. Not one letter had a real purpose. They did nothing about the loan modification they promised to help me obtain. It never evolved into anything .... Last week, after a month of quiet, I received a voice msg on my cell from a woman telling me they 're attempting to collect a debt. To date, all monthly mortgage payments have been applied as appropriate but it has been several months since I began asking them ( via letter ) to move any unpaid balance to the end of my loan. They 've consistently ignored this request. Back in XXXX, I informed Habitat via email that I 'd made this request. They thanked me for the info but offered no assistance in making it happen. At this point, I need to speak to what is happening to me. I am being bullied and harassed by Americnational. From their activities, it is apparant that they have the opinion that I am a " cash cow '' and by submitting threats, I will somehow respond with a sum of money. I want them to stop harassing me. This company is trying to scam me trough scare tactics when the resolve has been put before them on multiple occasions. I believe can be described as illegal. It is not unusual for a lienholder to move back payments to the end of a mortgage loan. Since they did not honor their word to provide modification they should move the payments. I pay them each month. I have no reason to believe that I am going into foreclosure unless they push me into it and then I question the legality of that. I just want to pay my mortgage to an upstanding company and live in peace.
Product: Debt collection

I receive phone calls from this company every day, or every other, and sometimes more than one call in a single day. I've asked them to stop calling me yet they continue the harassment.
Product: Credit card

I need to extend a payment with Afterpay due to a refund not yet being transferred by Amazon but they no longer have a customer service number- only through the Afterpay app which they do not respond in a timely manner. 

Contacted on XX/XX/XXXX, XXXX & XXXX.