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

As I moved through my marriage separation and divorce in XXXX I was unable to pay my bills including over {$2700.00}. I owed to American Express. After I received my settlement from my ex-husband on XXXX XXXX, XXXX I then had enough money to pay off in full my American Express debt. I called American Express that month and told them on the phone that I wanted to pay off the whole debt amount. The representative told me they would not accept a full payoff, only a monthly payment of {$170.00} per month for a period of years. I was shocked, and repeated to him my offer to pay the bill in full. For a second time, the American Express representative told me they would not accept a full payoff from me. This was unfair to me because I had the money to pay in full but they would not take it. I feel I was discriminated against. 
I spoke with American Express later in spring XXXX and discussed this matter again. This time, American Express told me that it was a misunderstanding that they would take payment in full. But by then it was too late. I didnt have the money any more. Since that time, American Express has sent me numerous letter stating that I can pay off my debt in full if I want to. This was no misunderstanding. I am sure and positive what American Express said to me, and I was lied to.
Product: Debt collection

Description of complaint : I am not liable for this debt with XXXX XXXX. I do not have a contract with this collection agency trying to collect and reporting this to my credit report. I did not sign any paperwork with this collection agency XXXX XXXX stating that I will pay them or owe any money. They did not provide me with the original contract as requested.
Product: Credit card or prepaid card

My purchases were closely monitored by a third party without my authorization or approval. The monitoring continuously allowed retrieval of items purchased for chemical treatments, removal, or avoid use without notice from the merchant. The incidents were continuously reported as burglaries. None of the items purchased were from independent contractors or resellers. The items were purchased from major gas, pharmaceutical, electronics and clothing and linen retailers. Even when purchased online, the vendors selected when given the option to select from approved sellers of which the retail agent was allowed to negotiate were never independent contractors. Actions to support smaller businesses not involving the activities of the above but purchases of consumable items, often involved GPS tracking to allow individuals to arrive at the same time as the reporting party, which was not what the reporting party intended.
Product: Credit reporting, credit repair services, or other personal consumer reports

in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half
Product: Debt collection

I'm a XXXX veteran and keep receiving calls from XXXX. They claim to be contracted with the Department of Treasury. 

They are attempting to collect on VA benefits. Approximately {$1000.00}. They called on XX/XX/2019 at XXXX XXXX. 

Their number isXXXX. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filled a dispute on inaccurate information on my credit report on the below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian failed to follow up with an Investigation. This violates the fair credit reporting act 15U.S.C1681I in consumer law. 
Credit report has incorrect amounts on accounts. I recently was notified that CFPB has filed a law suite against the company Experian. CFPB alleged the company excepted unreliable information and failed to notify consumers dispute results. This aligns well with my situation. Experian has not attempted to remove nor correct any information and has violated federal laws. I'm requesting these derogatory remarks be immediately removed as it is affecting me to buy a home. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information being reported about me in their system. It has stopped me from opening new accounts. This has been happening year after year.
Product: Debt collection

They call me repeatedly everyday about 10-11 times a day. Sometimes it is call after call
Product: Money transfer, virtual currency, or money service

The company has updated their terms and conditions and I had refused to accept the updated terms and thus can not proceed to withdraw my digital assets. 

I have reached out to the company and they refuse to return my assets to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXXI have identified that late payments have been incorrectly reported, negatively affecting my credit score.

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishes ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im Accordance with the fair credit reporting act XXXX account # XXXX Has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency cannont Furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an opening consumer credit plan as late for any purpose.
Product: Student loan

Back in XX/XX/2019 I called about changing my plan from income driven to a graduated plan where the payment gradually increases. Was told that they could and it would take 5-10 business days to go in effect. I called a few more times and was ultimately told wrong information. In fact it wasn't until mid XXXX that I was told that I had to make 3 consecutive payments on time to switch plans. My loan was almost in default - after much back and forth the rep told me if I made XXXX payment for 3 consecutive months on time that I would be able to move to the graduated plan. I would need to call them immediately after the third payment was made. This Month after I made the third payment on the XXXX of XXXX, I was told that it would take 5 business days to take effect. I called after the 5th day and was told that it should be any day now. I waited a few more days and called again and was told the same thing. I called again and was told they would expedite the request and was assured it would go through. I called today and was denied because I had a 'forced income driven plan ' and my account had to be in good standing to pay three consecutive months. THIS IS UNACCEPTABLE! Because I was told incorrect information twice I am in danger of defaulting the loan because I can not continue to pay XXXX a month. I feel like I'm being scammed. I spoke to the supervisor and he could not help and said there was nothing he could do. He kicked it up to another level of management but I feel I'm going to get the same story. I need help and feel helpless here. I feel like they should honor the request because it is not my fault I was given bad information - I feel like the reps are not trained properly to help people. I really need to have these lower payments and feel like they should honor it by changing my payment plan because I made 3 on time consecutive payments. I feel helpless here.
Product: Mortgage

HORRIBLE EXPERIENCE and CUSTOMER SERVICE.
The application process started the first week of XXXX ( Application Number XXXX. ) with XXXX XXXX.
I was upfront with him about this HELOC being on my 2nd home and we even discussed the situation in detail. I offered to send in my entire tax returns and even explained to him I had a business although ALL of my income was via XXXX from my employer ( not my business ). He assured me we did n't need it and was specific in what was requested. After weeks had gone by, he came back and said they actually needed the rest of the return, which I provided. I asked him why and he flat out lied. This is all documented.
But I sent it anyway. Then after another few weeks, he came back and said the HELOC request was for a 2nd home and that the approval was under the assumption it was for our primary home. I then got upset because we had discussed it in detail.
He then turned me over to XXXX XXXX. She apologized profusely but said nothing could be done about it and it had to go back to underwriting after I wrote explanation letters, sent more current proof of income, etc. In the mean time, we have many email exchanges, phone calls, etc.
They came back a few weeks later and said it was DECLINED based on credit. I escalated it to XXXX XXXX at the executive offices and he/they did absolutely nothing other than tell me the same bogus reasons the other dept did.
I 've NEVER had a late payment, BK, tax lien, short sale, repossession, foreclosure, etc. Credit is PERFECT and always has been. She then said it was due to debt to income ratio and credit card debt. I explained AGAIN that the entire reason for getting the HELOC was based on the advice of WELLS FARGO THEMSELVES. They asked me to payoff my primary loan ( which I did ) and advised getting a HELOC to payoff revolving debt since the loan request was less than 50 % LTV on my home.
she then said the debt to income ratio was insufficient. It was based on $ XXXX /year income and I made over $ XXXX XXXX income in XXXX  and XXXX. This was based on my YTD paystub which is not reflective of my year end income since i 'm in a commission business with 75 % of the income happening from XXXX to XXXX  of the calendar year. This was ALSO explained upfront. Yet, that is what they are using and they say my DTI is too high.
I 've been a 20 year + customer of the bank, perfect credit, $ 200k+ per year income, only one mortgage on my credit report, no car loans, boats, motorcycles, etc. I 've taken on NO new debt in years basically. I even paid off my primary mortgage WITH WF in order to more easily qualify.
This experience has been HORRENDOUS. The incompetence and arrogance I 've experienced has been mind-boggling. I 've been LIED TO repeatedly. The underwriting guidelines are being unfairly used against me since they ignore my last several years XXXX income. The advice GIVEN TO ME BY W.F. was obviously bad advice which has put me in a bad financial position. UNFAIR, UNJUST, and FRAUDULENT business practices.
Product: Money transfer, virtual currency, or money service

{$1500.00} sent to wrong account recipient XX/XX/year>. {$85.00} transfer fee then {$9.00} CHECKSMART processed XX/XX/year>.
Product: Credit reporting or other personal consumer reports

There's incorrect personal information and old addresses on my credit report.
Product: Credit reporting or other personal consumer reports

I contacted experian and requested the method of verification for my credit dispute. I received a generic letter from them explaining their generic process. The letter did not provide how my specific dispute was handled. They did not provide the requested proof. When i called and spoke with an agent, " XXXX '' in the fraud department he was very rude and dismissive. He told me that any questions needed to be forwarded to the furnisher. I told him they were responsible for reporting accurate information. He told me that was not correct. That he furnishers were the ones who had to verify. I then asked to speak with a supervisor to which he told me they were not available. That I could leave my name. I told him I would like to wait on hold and he told me no. Then he said I could either give my name and number- which he already had, or he would disconnect the call. He then proceeded to hang up on me.
Product: Credit card or prepaid card

I am XXXX and on a fixed incomeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked Macys several times to lower my interest because over {$200.00} a month of my {$350.00} payment goes to interest. The most recent I had an email sent, I cant do on my own on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request that XXXX, XXXX, and Equifax block the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. A collection account opened at EXTRA on XX/XX/XXXX for a balance of {$310.00} under XXXX : XXXX account, past due amount : {$310.00}. XXXX collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX, one for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}, and another for a balance of {$750.00} under Status : Collection account, past due amount : {$750.00}. A collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. I demand that you investigate these matters immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.
Product: Credit card

Hello, I use Discover credit card. On XXXX XXXX, they helped me enroll in a program, but didn't tell me that my account would be suspended when I enrolled in the program. They said that I accepted their terms and conditions. But I have no impression that their statement said the account will be suspended. Their communication app always automatically exit, and when I retrieve it, the information they sent to me will appear 5-10 minutes late.

For me, this is fraud.
Product: Debt collection

Harassing Phone Call received from XXXXXXXX XXXX XXXX ( Phone # XXXX ) on XX/XX/2020. At XXXX MST  Phone rang twice. Caller hung up as soon as I answered. 
XXXX XXXX XXXX is representing Barclays Bank Delaware, in an attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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 604 a section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$190.00} Date of XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX reviewed my credit report and noticed that Equifax was not only not enforcing statutes under the FCRA but were a accomplice to the infringement of my federally protected rights. I sent a notarized affidavit with exhibits and they are in possession of that affidavit and have not notified me that an investigation is in progress.
Product: Mortgage

We received letter in the matter of Paymap Inc. Consent order file No. XXXX, there were check that was not cashed we need to reissue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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: Checking or savings account

BBVA Compass ran a {$200.00} promotion bonus for opening checking account from XX/XX/2017 through XX/XX/2017. I opened a checking account on XX/XX/2017. Per their requirement below, I have qualified but they refused to credit me with the bonus 1. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

2. Account must be opened within XX/XX/2017 through XX/XX/2017 3. Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

4. The account must be opened at a branch, online or via XXXX, Option XXXX. 
5. After the requirements have been met you should receive the promotion within 60 days.
Product: Debt collection

I have been sending multiple letters to the Bureaus since about 4 months ago. I am getting computer generated responses and stall letters, especially from XXXX after I have asked for validation multiple times. The information from the creditors that is reporting to the Bureaus are not reporting 100 % accurate information which is against the FCRA. XXXX and XXXX are also having collection account statuses listed as OPEN. There has been no XXXX release form presented as I requested either. I have exhausted my efforts, gave several chances. Now I am demanding for these accounts to be removed completely since they are illegally reporting inaccurate information. Please view the screenshots of the accounts with the account names, account # s, and dates mail have been sent. 
Thank you for your help.
Product: Credit reporting

I am submitting additional supportive information in regards to a complaint I had put in with the XXXX major credit reporting agency 's. My XXXX account is currently reporting as a 30 day late payment. This information is incorrect as I have never been late in paying this credit card. The credit reporting agency 's told me they did an investigation and it was reporting correctly. This investigation was too short as I received the results way to quick. I contacted XXXX shops and they provided me with the letter I am submitting as substantial proof that this account was not paid late. This account should be showing as accounts in good standing and with the deragatory remark removed. I requested this back in XX/XX/2016. Please note the date of this letter which is dated XX/XX/2016