23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I saw a lower interest rate with the Citi XXXX XXXX so I could transfer a high interest rate credit card to a lower interest rate loan. When I spoke to the rep at Citi and I was told the amount of the loan that they would give me of {$500.00} I told them I had to think about it. The {$500.00} was not enough to cover my credit card debt. The next think I know I have an approval with a credit card. It has taken me several months to submit this complaint, but I do want this taken off my credit bureau score. I have submitted a letter to Citi as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following items : - XXXX XXXX  XXXX - XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX XXXX 15 U.S.C. 1681 Section 602 A.- States I have a right to privacy.

15 U.S.C. 1681 Section 2 604 A.- States a Consumer Reporting Agency can not furnish an account without my written consent and/or instructions.

15 U.S.C. 1666 Section B.- A Creditor may NOT treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX NY 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXSubject : Dispute of Unauthorized Credit InquiriesDear Equifax XXXX I am writing to formally dispute several unauthorized and inaccurate inquiries that appear on my credit report. These inquiries were made without my consent and are causing harm to my credit score.Below are the details of the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were not authorized by me, and I did not initiate any contact with these companies. I have reported these instances to the Federal Trade Commission ( FTC ) and have attached a copy of my FTC Identity Theft Affidavit and police report number XXXX, with FTC Report Number XXXX, for your reference.According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. While I understand that inquiries are generally retained for two years, unauthorized inquiries should not remain on my credit file. These entries are neither factual records of my file access nor did I consent to them.I request that you conduct a thorough investigation into this matter and remove these unauthorized inquiries from my credit report immediately. Please provide me with written confirmation of the removal of these inquiries.Thank you for your prompt attention to this serious matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address listed above.I have included my two forms of verification My FTC identity theft report XXXX and police report number XXXX Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I made the car purchase XX/XX/2022 they double my payments and I fell behind they repossessed the vehicle even after I tried to explain to them the mistake that they made. They wanted me to pay 3 loan payments at once.
Product: Debt collection

I am recieving threatening documents from midland funding to garnish my pay checks for a debt that is over 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my XXXX credit report which do not belong to me and I did not provide authorization to pull my credit report. 

XX/XX/2021 with XXXX XXXX XXXX XXXX not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. XXXXThere was a line of credit opened which I had immediately closed. 

XX/XX/2021 A Capital One inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has been repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

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

I have an account with Barclay 's Bank. During this pandemic I had lost some income due to loss of some work. I called barclay 's bank and was told I can go on a smaller monthly payment and lowered interest rate for 5 months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account 60 days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for 5 months. We weren't even near the 5 months. I made the payment they wanted and requested to please remove that 60 day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from XXXX  and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full 5 months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent information on my XXXX XXXX Credit Report. The following inquiries occurred without my approval or consent : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX New American- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This is defamation and in the USA the defamation is pad, everything this person says about me is a total li, his worker is a rude despot. He seems to be the owner. 
I want My car tittle or we Will see you in court. This loan is more tan paid off Please help me Responding to the person Who raised me falsely regarding my complaint at Loan Star Title Loans located at XXXX XXXX XXXX XXXX XXXX tx XXXX.
Product: Debt collection

Company called my ex husband and threatened him. They threatened me, to come to my house and my office to garnish my wages.i was threatened and harassed. 

I paid an old bill and it was a scam.
Product: Credit card or prepaid card

XX/XX/XXXX - There was a fraudulent charge on my card for {$500.00} from XXXX XXXX in XXXX, Illinois. I got the alert and filed a dispute the same day - I LIVE IN MICHIGAN and do not have a lawn service. The charge was reversed ( temporarily XXXX. They issued a new card, etc. 

XX/XX/XXXX - They reversed the credit and charged the {$500.00} for the transaction back on XX/XX/XXXX AGAIN. They told me over the phone that the vendor provided proof that I purchased goods from them, but could not share that proof with me. Verifying the signature would have been enough to document that it was fraudulent. It was this month that I received a document stating the charge would be reversed, but then received another statement stating the claim was denied WITH NO EXPLANATION. 

XX/XX/XXXX - A gatekeeper of the fraud department opened a new fraud claim for me. 

At some point my claim that was opened XXXX was closed. I haven't received any correspondence since XXXX regarding the claim opened in XXXX. 

I have called back numerous times and nobody can tell me how to get my money back or show me proof that it was me that used my card ( it wasn't, obviously ). 

I even went as far as to contact XXXX  XXXX  XXXX  XXXX, Illinois and the elderly man that answered stated I wasn't the first person to call, that he doesn't take ANY type of card, he didn't even know how to. He is a cash and check only business and he does it on the side, he's retired. I passed this info on to BOA but they just said they would add the note to my file ... 

When I called back today they told me the claims agent didn't do anything with the additional info and closed my claim again XX/XX/XXXX. I STILL HAVE NO COORESPONDENCE. 

This sounds like someone skimmed my card, sold it on the black market and that person is using it OR someone has found a way to act as if they are " XXXX XXXX '' and they aren't. 

I just want my {$500.00} back plus interest. I made the minimum payment hoping they would get it resolved every month from XXXX - XXXX. I just paid the balance off because I have a feeling I'm never going to see that money again. 

I work for a small community bank and I have NEVER heard of a fraud claim handled this way. That charge should have been returned fraudulent. Period.
Product: Debt collection

resurgent capital services. sent me a letter saying i owe {$890.00} they say the original creditor is XXXX XXXX -- And that the current owner is XXXX XXXX THE REF ID is XXXX i have no idea who this is, do not have any debt with this company. and they have not provided any proof of this debt or that if it was a debt that it is still collectible via the statute of limitations.. i have written them to request all of this information. it is reported as a collection on my credit report. and i have asked them to remove the same.
Product: Student loan

1 ) I needed a private loan while attending XXXX University ( now closed ) in XX/XX/2002. The private loan amount was for {$10000.00} through XXXX XXXX, now known as NAVIENT. My loan amount has NEVER decreased at all, ever. It has increased or stayed the same for the past XXXX years. 
2 ) My payment initially was affordable at {$65.00} a month, and overnight doubled to {$130.00} a month. After explaining it was not affordable for me, they told me I had no other options. 
3 ) I have always made my monthly payments, but when I have called throughout the years to better understand why my balance never decreases or why I am never eligible for a lower payment, I am told every excuse there is. I have also experienced very rude customer service on many occasions.
Product: Debt collection

Just got a letter from : XXXX XXXX DBA XXXX XXXX original creditor : XXXX XXXX XXXX XXXX : Cabelas Club Visa saying I owe {$10000.00}, but This was part of identity theft that happened in 2014 and I filed a police report and FTC report, but these people keep going after me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of COVID-19 I was unable to pay on my credit card because the place where I paid the card from the first time I used the credit card was closed due to the pandemic so I was given a 30 day late on my credit card. The company is Kay 's and the bank is XXXX XXXX XXXX. I have always paid my bill from the day I made the debt. I reached out to the company explaining my disposition but no matter what they stated they had no good will program therefore they could not or would not help me. A 30 day late payment decreases the credit score significantly and I was in the process of closing on my first home. I explained that I attempted to pay by other means but due to the hours I work I was only able to call on my break and at that time I was unable to get through or when I attempted to pay on the website it would take me halfway through then kick me out. This situation was brought to my attention on XX/XX/2020. I could and would understand this if I was frequently late but this is nor was the case, so now my family will not be able to purchase our home. The pandemic has totally taken everything from me. All I'm asking is for understanding and help so that I can better me, my family and our future because if this 30 day late payment is not removed it will be a year or more before I can raise my score back to where it needs to be to purchase a home.
Product: Bank account or service

I received an email this afternoon from my bank, PNC, to let me know I have the option to opt out of their arbitration clause and that if I choose to do so, to clink on the link that is supposed to be in the email. 
However, there was no such link in the email. So, I went to their on-line chat service and brought this up. They said I could call the bank and talk to XXXX of the consultants. I asked though, if they could just send me the link. They said I should call. 
After I called, I spoke to XXXX XXXX, PNC Customer Service Representative about this. She said they were working on the link. I expressed my extreme dismay and concern that the bank would send out an email without the link attached and that it felt to me like they were making it hard for customers to actually opt out. I also said that the online chat people at least should have been able to give me the link. 
She took my information and will be opting me out of arbitration with a follow up letter to confirm this. Again, I expressed my concern, asked her to send my complaint to the appropriate PNC officials and that I would let the banking regulators know - thus my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning discrepancy in the reporting of my credit history by Equifax, one of the major credit reporting agencies. Specifically, I am disputing the late payment reported on my credit card account with XXXX XXXX, account number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681, it is imperative that credit reporting agencies ensure the accuracy and fairness of the information they report. However, I have observed that XXXXXXXX XXXX is inaccurately reporting a late payment on my account to Equifax. 

This discrepancy is particularly alarming as the late payment is not reflected on my credit report with XXXX, indicating an inconsistency in reporting among the major credit bureaus. Per subsection b4 of 15 U.S. Code 1666, which addresses the correction of billing errors, XXXXXXXX XXXX XXXXs obligated to rectify any inaccuracies in reporting to ensure consistency across all credit agency reports. 

Additionally, in accordance with 15 U.S. Code 6802, XXXX XXXX  is required to provide consumers with the option to opt out of certain information reporting, such as late payments on credit reports. However, I have not received an opt-out form from XXXXXXXX XXXX  XXXX as mandated by subsection b of 15 U.S. Code 6802. This failure to provide me with the necessary opt-out information violates my rights as a consumer to control the dissemination of personal information and operate fairly in commerce. 

The inaccurate reporting of this late payment has had significant adverse effects on my financial well-being and ability to engage in various transactions. It has hindered my ability to obtain mortgages and extensions of credit, causing undue stress and hardship for myself and my family. 

In light of these violations and the resulting impact on my financial rights, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXXXXXX XXXX XXXX reporting. I also request that XXXXXXXX XXXX  be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

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

A derogatory mark from XXXX ( original creditor XXXX ) was removed from my account, then months later on XX/XX/XXXX I discovered said negative credit item from XXXX. XXXX XXXX with the account number XXXXXXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As well as the account has a open date listed as XX/XX/XXXX on Experian but an open date of XX/XX/XXXX on XXXX which is re-aging of the original account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " Investigation '' according to the FCRA The Term " Investigative consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They Did Not Do This.

Also, They have violated my rights even more In Accordance With The Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus Stated my accounts was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This Grounds for Removal. 

They also violated the law because according to 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions I did not give anybody written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, at the Wells Fargo branch in XXXX XXXX ( XXXX XXXX ), I wanted to transfer money from my account to another account. I was subjected to XXXX harassment by one of the employees, XXXX XXXX, who told me that she couldn't process my transaction and that I should go to another employee. Her behavior towards me changed the moment she saw that my name was " XXXX. '' I believe her refusal to provide me with service was based on XXXXXXXX XXXX  and my XXXX XXXXXXXX. Subsequently, another employee, assigned by branch manager XXXX XXXX, completed my transaction. I want to complaint since it is obvious that Wells Fargo considers a customer 's XXXX, XXXX, and XXXX when providing service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX, XXXX, XXXX, XXXX, 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 can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies ( XXXX, Equifax, and XXXX ) have been notified on several occasions since 2018 regarding the falsely reported delinquency listed on my credit report by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX deals in unethical business practices and has, for years, preyed on consumers by finding loopholes to create negative impact factors to sway consumers to them for financing since they are one of few major companies that have high interest products dedicated to poor credit consumers, especially XXXX XXXX  consumers. 
In 2018, I contacted XXXX XXXX XXXX to ask if I could get an extension on my payment and I was told by their representative that since this was my first request, they would defer the XX/XX/2018 payment to the end of my loan and my payment history would not be affected. I was so appreciative because I had an unblemished payment history on my credit report and a steadily climbing credit score. That was until the next month when I received an alert that there was a delinquency from XXXX XXXX XXXX appended to my credit report for missing a payment accompanied by a XXXX point decline in my credit scores. I immediately contacted XXXX XXXX XXXX and asked them to pull the phone records to confirm the specifics of the conversation. I asked them to accept my payment and reverse the delinquency. They refused and have been fighting to keep that recording and the specifics of that conversation private ever since. Not only is this unethical business practices, but it is also credit discrimination in an attempt to reduce my creditworthiness to potential creditors forcing me to do business with XXXX XXXX XXXX. 
Since that date, they have consistently reported this delinquency that they fraudulently created by misrepresenting the specifics of the arrangement which would have never been entered into had I known my payment history would be affected. Logically, if someone says that the payment will be deferred to the end of your loan, technically the payment is not missed ; it's simply added to the end of the loan term. Therefore, I assert that this misreporting has affected my credit report for far too long and I wish to have this missed payment removed and my payment status updated accordingly.
Product: Debt collection

I have been contacted multiple times over the past three weeks by Wakefield & Associates to collect a debt that I paid off months ago with a payment plan from another debt collection agency. They have called me 12 times in the last week between the hours of XXXX and XXXX when I am at work and can not take phone calls, and 41 times in the last three weeks. When I try to call back, I either get no answer or the line is disconnected. I have expressed multiple times to not call me during my work hours, and that I have paid this debt, but they continue to call me during hours that I can not pick up the phone. They have harassed and threatened me over a debt that has already been paid. I paid this debt in full almost six months ago, and it is getting to the point that it is causing me mental distress to get these phone calls, as the debt was from a very traumatic medical experience. I do not have any other debt than student loans at this moment and I do not know why I continue to get called and harassed by this company.