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

ON XX/XX/19. I Purchased A Dining Room Set, which came with 4 Chairs and Table, I also order 2 Extra Chairs. It was Curbside Delivery ; Once Assembly, 1 Chair was damage with black declaration on Chair. I Contacted XXXX XXXX XXXX and Raven 's Barclay Card, No one did anything but took My Money and never came with  Replacement of Damage Chair. Nor would they give Me A refund. Barclay saying its out of their hands, but release the Money on the Day I order, without waiting on Furniture to Arrive or see if Customer was happy with Furniture. That set cost Me Over {$3000.00} Dollars. I had Already Paid Ravens Barclay Card, {$2200.00} for the Furniture that wasn't damage. But not the 2 Chairs for {$540.00}. After they Refused to do anything about the problem, I told them to come get the hold Set and we even. 

The Second Dispute was with XXXX XXXX XXXX XXXX. The Car was Pre-paid in Advance By  XXXX XXXX, {$600.00}. I was the one who pick up Car because I arrive to XXXX XXXX first. I was told I needed A Credit Card in My Name to pick up Car, and they would put A hold on it. I stated not to Charge My Card and Mr. XXXX XXXX would pay balance when we return Vehicle. When we Return the Vehicle together They wouldn't take Mr. XXXX XXXX and told Me The Charges was on My Card. I told them I didn't Authorize the Charges and Mr. XXXX was Paying for Car.
Product: Credit card or prepaid card

I have received a PayPal Cash Mastercard, which I have never applied for. When trying to call the number provided on the card for XXXX XXXXXXXX XXXX I am getting an automated message " that my problem can not be resolved over the phone, please send us a message and we will address it in appropriate way '' and the system kicks me out without any instructions where to send a message. PayPal website does not provide any help on the issue either. 

So, I am trying to find out why the card was sent to me, who and when applied for it in my name. And I need this card to be cancelled ASAP. 

Thank you.
Product: Credit card

I received my credit card bill with a non cash advanced interest charge. I contacted the card company at XXXX on XX/XX/XXXX and spoke to XXXX. She stated the system was down and could not help me and to try after lunch. I called back at XXXX CST The system was still down. 
I called back today XX/XX/XXXX at XXXX the automated system said the system was down. I searched to find a non XXXX # I called XXXX and got a live person, XXXX. 
XXXX stated that the system was down being updated. 
I told him I was skeptical and wanted to close my account if I could not get an answer. He stated to call back around XXXX EST. I wanted to close my accounts but could not because of some technical issue on their end, is n't that illegal? I am accruing interest charges and can not stop it, and they can not tell me why they are charging me interest ( I pay in full ) so I do n't have any recourse. I want them to be investigated, I think they may have been hacked and are keeping it a secret.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX To : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, UT XXXX Subject : Request for 1099-C Form for Charged-Off Account Dear XXXX XXXX, I am writing regarding my account with your institution, which was charged off as a loss on XX/XX/XXXX, and subsequently sold to Midland Credit Management, Inc. on XX/XX/XXXX. My understanding is that when a debt is charged off and considered uncollectible, XXXX XXXX  may issue a Form 1099-C, Cancellation of Debt, to the account holder and report it to the IRS if the amount forgiven meets reporting

thresholds. To date, I have not received a 1099-C form related to this account. If my account qualifies for cancellation of debt reporting, I kindly request that you send me the Form 1099-C at your earliest convenience. If this debt does not meet the criteria for issuance of a 1099-C, I would appreciate written confirmation for my records. 

To assist you in locating my account, here are the details : Name on Account : XXXX XXXX Date of Charge-Off : XX/XX/XXXX Sold to : Midland Credit Management XXXX XXXX XXXX XX/XX/XXXX ) If additional information is required to process my request, please contact me directly at XXXX I appreciate your prompt attention to this matter, as it is important for my financial and tax records. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX Email : XXXX XXXX
Product: Vehicle loan or lease

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE ISN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has been met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX  VICTIMS.
Product: Credit reporting or other personal consumer reports

My consumer report shows identity theft-linked accounts I never approved. I recently informed you about this and now demand these accounts be blocked and removed from my report immediately. These false entries are causing me serious stress and misrepresent my credit. I'll take legal action if not fixed quickly. These fake items have prevented me from reaching key financial goals like buying a home and supporting my family.
Product: Debt collection

On XX/XX/XXXX I received a debt collection validation notice from XXXX XXXX XXXX  Attorney at Law, Case Law Firm, S.C. XXXX, WI XXXX. 
In this notice XXXX XXXX failed to include any language advising me of my rights, including any information on how to dispute the alleged debt. She also failed to include a required " tear off '' form that can be used to send correspondence to the debt collector to dispute the alleged debt or take other actions. This being a clear violation of CFPB new debt collection rule XX/XX/XXXX. I submitted a correspondence to XXXX XXXX advising such and asked that she refrain from using deceptive practices in an attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX. TransUnion, XXXX has violated my consumer rights and violated federal law. This is my attempt to notify you of this erroneous error on the part of your agency before I formally seek legal counsel. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please delete this erroneous account immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX ( {$1600.00} ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX - XXXX ( {$320.00} ) XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked to Stop reporting this collection because it is unknown. 

XXXX XXXX - XXXX ( XXXX ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've requested to Stop reporting this collection because it is unknown. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES ABOVE, I've asked to Remove this inquiry because of false reporting, it does not meet one of the requirements for the reporting of inquiry.
Product: Checking or savings account

XX/XX/year> I signed up from a Wells Fargo checking account through the online webpage. They were offering a {$300.00} welcome bonus for new customers. After making the qualifying deposits in the adequate amount of time that was required, I had not received my welcome bonus. I contacted Wells Fargo and asked them to look into why I had not received it. The reply to me was I did not enter a promotional code at the time of opening my account. However, through the online webpage, the terms were that the code would be automatically applied for checking accounts opened online. If I was to go into a branch and open an account, I would have to have a code emailed to me in order to give to the banker to open the account to qualify for that welcome bonus. I submitted documentation showing where the advertisement stated that information. I spoke to multiple people through customer service that sent information to the financial advertisement team to get the same response that I had to have a code in order to receive that bonus. So I ask if someone and an executive office could look into it and call me back And they did. After giving them the information it came to the same conclusion that I had to enter a code in order to have qualified for that bonus. Now theyre offering {$120.00} bonus for new customers with the same stipulations that if you sign up online, the code will automatically be applied up on account opening or you will have to have a code email to you to present to a banker to open an account at a branch. 

The {$300.00} is not going to break me however I signed up for the checking account because they were offering the {$300.00} welcome bonus. And I as a consumer taking advantage of an offer that the financial institution decides that they dont want to pay out is not good practice. 

So I am following a complaint with Wells Fargo for false advertisement through the promotion that I took advantage of and now are offering the same promotions with a different dollar amount with the same stipulationsfor new customers. Which will result into the bank getting customers to open deposit accounts and not pay out what theyre advertising. 

For new customers. Which will result into the bank getting customers to open deposit accounts and not pay out what their advertising. 

If I dont get the {$300.00}, yes, its a big deal, but its really not. But I would like for you to investigate and find out why theyre not paying out what their advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2009 This Consumer Reporting Agency ( CRA ) has been reporting negative unverified information about my personal and private property the Registered Organization XXXX XXXX XXXX XXXX. This CRA has never received Consumer 's written consent to sell his private information/property to any third party creditors. This CRA is also guilty of Identity Theft as XXXX, XXXX never provided CRA with his name or the State of Michigan 's Registered Organization 's name of XXXX XXXX XXXX XXXX , address, phone number, social security number or birthday all the above-mentioned information was stolen by CRA and used to profit. CRA procured my private information unlawfully and without Consumer 's written permission or consent and sells it to third party creditors. I demand This CRA remove all information that was not provided to it by Consumer XXXX, XXXX the Agent of XXXX XXXX XXXX XXXX and compensate Consumer for the unlawful procurement and use of Consumer 's private information.
Product: Student loan

I graduated from the XXXX of XXXX. When I graduated in XX/XX/2008 the housing the market crashed jobs were slim to none to come by. I did manage to find freelance work to make ends meet. I was struggling to pay my student loans. When XXXX XXXX sold to Navient the rates changed on my loans as high as 7.25 % variable rates. I called Navient and they agreed I could pay interest only payments at {$400.00} a month. I struggled for the past 12 years making these payments and yet my loan balance grew greater. 
I had to give up my apartment and move in with my sister. I had to stop my car insurance because of lack of money. I take the trolley to my various jobs. I 'm now paying {$100.00} a month for mandatory medical insurance or I will be penalized on my income tax. I set up payments plan with XXXX but stopped paying {$400.00} a month to Navient. I was starving. I have tired several times to set up a pay plan based on my income with Navient. No one will help me and they have now sent my loan to a collection agency. I tried to set up a plan with the collection agency they said I must pay {$850.00} a month. So it has come down to I must eat first and forced to pay the XXXX medical. This ca n't be XXXX that I was born and raised in.
Product: Student loan

I graduated from the University XXXX XXXX in XXXX, with a total of {$45000.00} in federal student loans which I consolidated that year. I made payments except when I obtained a deferment for financial reasons. In XXXX I filed for Chapter XXXX bankruptcy. I tried to make student loan payments, but they were returned by AES. I completed my plan and my bankruptcy was fully XXXX in XXXX. 

In XXXX, I was advised by AES that my loans now totaled over {$130000.00}, due to the interest that compounded during the bankruptcy. My attempts to have AES forgive the interest during the bankruptcy ( since it refused payment ) were futile. The balance is now over {$160000.00}, and I will be in repayment until I am XXXX XXXX XXXX. The monthly payments are {$1300.00}. Again, I graduated in XXXX, and have not returned to school since that year. 

I have repeatedly requested a copy of my XXXX consolidation application, to find out the repayment terms. AES can not provide me with the document. I have been making payments now, excluding deferments and the five-year bankruptcy period, for 22 years. 

Any help will be greatly appreciated. Also, I have been denied a pause on payments during the pandemic, which is difficult, as my husband can no longer work due to a XXXX. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows 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 card or prepaid card

XX/XX/XXXX received a bill in the mail from XXXX XXXX fortiva account in the amount XXXX Bill stated it was due on the XX/XX/XXXX, even though I received it on XX/XX/XXXX. Payment was made in the amount of {$60.00}. No bill or email statement was sent prior to XX/XX/XXXX or any previous month. 
XX/XX/XXXX received bill in the mail with a statement stating that I owed XXXX the {$60.00} previous statement had a {$30.00} dollar late fee and only {$30.00} dollars was applied to the balance. I called customer service at fortiva to then complain how can you charge me a late fee if i get the bill 2days after its due?. I was told " at least you got it in the mail '' and the fees can not be removed and I wanted to close the account immediately. I wanted to speak to a supervisor and was told that wasn't possible. I immediately wanted to complain and could not over the phone and told me I could close the account at XXXX XXXX. So the next day XX/XX/XXXX I went to XXXX XXXX   in XXXX XXXX florida to speak to a manager. The manager on duty told me he would call and get back to me, 3 days went by and no call. I go back to the store spoke to a new manager and told him I wanted to close the account and did not want to be charged anymore fees and would pay off the {$220.00} balance immediately. He said no problem and he would take care of it. Have not heard back from XXXX XXXX manager since and now XX/XX/XXXX fortiva has charged me {$90.00} in fees and {$80.00} in interest, I have not received a bill since XX/XX/XXXX. 
XX/XX/XXXX I call fortiva and im told I have to pay XXXX on a now closed card and that they will continue to charge me fees and interest, I offered to pay the previous balance after explaining to them what has been happening even offered to pay the balance including the 3 late fees to close the account totaling {$310.00} and refused me saying they can only accept the {$400.00} dollars and until its paid it will keep incurring fees.I have made several attempts to get this sorted and can not believe this is a real company. I have requested the phone recordings and feel like i'm being extorted. No one at XXXX XXXX  can help me. XXXX is the email they gave me and was told someone will be contacting me. In XX/XX/XXXX I realized that this company was bogus and wanted to cancel the card before it got out of control. My original available balance on the card was {$500.00}, the card was closed before the 90 days of non payments agreement as well. The current balance of XXXX is well under the card limit, I also brought that to their attention. I was told they closed my account in XX/XX/XXXX and I had no notification. That was 60 days after my last payment well before the company 's policy. Im working very hard to improve my credit and absolutely regret dealing with this company. This is absolutely extortion style tactics, especially since ive made so many different attempts to rectify this situation.
Product: Credit reporting or other personal consumer reports

Some of my student loans were recently discharged by the US Department of EducationXXXX . 

However, my credit reports has not been updated by all 3 major credit bureaus. This is not fair and need the correct information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Date Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute several unauthorized hard inquiries that appear on my Experian credit report. These inquiries were not authorized by me, and they are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure only authorized and accurate information is reflected on my credit report. Below is a list of unauthorized inquiries I am requesting be removed from my Experian credit report : XXXX. EXPERIAN XXXX CXXXX XXXX Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  - Dated : XX/XX/XXXX
Product: Debt collection

Me and my husband had XXXX, there was a reduction in our income and we fell behind on all our debts. I contacted Kohls repeatedly trying to set up affordable payment arrangements and the only option they will offer is pay {$140.00} a month and I can't afford that amount. They said I can pay whatever I can afford which I told them {$60.00} a month. They said the late fees and interest will still accrue but at least there will be activity on my account. I have been trying to get a payment plan since XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Money transfer, virtual currency, or money service

I have created a paypal XXXX in XXXX as soon as I have received donations paypal did block my payout! https : XXXX they send an email that in 120 days I can have my money but now they have a new trick! they just locked me out of my account! I cant login XXXX cant reset password! I cant add a new phone number! it asks to send XXXX to my old number which I dont have access too! Paypal is very very clever to play and fool around people so they can not withdraw their funds!
Product: Mortgage

We Never received a copy of the appraisal report. The appraisal was done XXXX. The XXXX time he used the wrong comparables. The XXXX time he purposely drove the value down because he was angry for having to come back a XXXX time. Little to no communication from the lender regarding the overall loan. No one explained any of the closing docs. A notary came to the house for signature and tried to explain however he was just the notary and not a licensed professional. He seemed uncomfortable answering questions. Very unprofessional process.
Product: Checking or savings account

Inquired with local branch inside of XXXX grocery ( XXXX XXXX XXXX XXXX ) store about opening up a checking & savings account ( approx year 2013 ) I didnt have time to complete application but advised would complete at a later time. Provided basic info to bank associate but didnt fill out official forms nor sign any banking agreements. Later received a bank card and request to deposit monies. Account was created without my authorization
Product: Debt collection

Contract Callers Inc Opened XX/XX/2018 This account was re-aged illegally and I was not informed about it being put on my credit report. I have kindly called the original creditor ( Which they told me to talk to the collections, because they shouldn't of had my account re-aged ) and I have also called the collection agency. They just wanted to collect debt, and never answered about the re-aging part question. This debt is more than 4 years old and should not be posted as it is new. It was included in chapter XXXX bankruptcy.