23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I took a hit to my credit bureau report for a deceptive reason : I went through the checkout line at KOHL 'S department store on XXXX and was asked if I wanted to apply for a credit card. I initially said no. Then was advised I could get 30 % off my purchases if I applied. I again said no, but upon thinking of the discount I would receive off my {$160.00} purchase I then was convinced to apply. Upon being approved and final checkout, I noticed there was no discount. I inquired and the manager or lead came and gave me a {$0.00} discount as you can see from the receipt I included in this email. I was then told you ca n't get a discount on Levi jeans. The cashier is then co-signing this information. This strikes me a surprising that the cashier is now telling me this information as XXXX out of XXXX of my items are Levi jeans. Unhappy with this the manager/ Team lead person reminds me I did get 30 % discount off the {$2.00} shirt. Still unhappy and voicing my opinion about it. She then tells me " If I do n't want the card I can just pay for it all with another method of payment '' I then proceeded upstairs to return all the merchandise. I think it should be noted of this UDAAP violation as it would be a deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a responsible credit consumer, I would like to request that my address be updated to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and my only name on my credit report be changed to XXXX XXXX. This is important because accurate and up-to-date personal information is essential for the proper functioning of credit reporting systems. By updating my address, I will be ensuring that any future correspondence from credit bureaus, creditors, or other parties is sent to the correct location. Additionally, updating my name will ensure that my credit report accurately reflects my identity, which is important for both legal and financial purposes. I appreciate your prompt attention to this matter and thank you for your assistance in maintaining accurate credit reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

XX/XX/XXXX XXXX XXXX XXXX This account was in XXXX. It was closed out and reopened. 

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 an account without my written instructions XXXX XXXX XXXX XXXX  ( Keeps opening and closing the account as well as the dates continue to change, I have disputed this account multiple times. Spoke with XXXX XXXX, XXXX and XXXX. It is still on my account. )
Product: Credit card or prepaid card

It all started three months ago when I had filed a claim with PayPal for a purchase I never received from XXXX XXXX. Of course, because I never received my item I figured PayPal would help me recover my money with the claim as it wasnt my fault and PayPal reassured me I would receive my money as it wasnt my fault. After three months I got my final answer and told me they would not cover the chargeback as they claimed I was a reseller. Not to mention through those three months they had very bad community on and never kept me up to date. They never gave me evidence of me being a reseller. I bought one pair of shoe size XXXX for {$150.00}. I was excited when I bought it as it was a personal pair. Its ridiculous what PayPal is trying to do and claim everyone is a reseller if they make a claim from XXXXXXXX XXXX so they wont be liable to repay the customer and a easy way out for them. I contacted them again after receiving the final answer and asked what can I provide to prove Im not a reseller and they never answered and completely ignored my question. I am not the only person having the same problem as thousands of people are out of so much money. Even the FBI is now involved with the XXXX XXXX situations and yet PayPal wants to side with XXXX XXXX and not repay its customers.
Product: Debt collection

I reviewed my credit report and have discovered inaccurate personal information that must be immediately investigated. These addresses, phone numbers, and misspellings of my name show several items inaccuracies and do not show my true credit history. I also discover the account from Credit Acceptance Corporation has sold the vehicle and or auctioned the vehicle, but is trying to collect {$16000.00} at the original vehicle price.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX  are showing inaccurate " LATE PAYMENTS '' on my credit reports. I was/have " NEVER '' been late on my : XXXX XXXX XXXX, XXXX  XXXX  or XXXX XXXX   accounts. I was NEVER notified there would/where late payments reported. I was never CONTACTED TO VERIFY OR VALIDATE ANY POSSIBLE LATE PAYMENTS. I was also never told or shown PROOF OF HOW THESE LATE PAYMENTS WERE VALIDATED.
Product: Credit reporting or other personal consumer reports

Dear Sezzle Inc., I am writing to formally request the closure of my account with Sezzle Inc. and the removal of any related information from my credit report. Below are the details of my account : Account Information : Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$520.00} Current Balance : {$0.00} ( as of XX/XX/XXXX ) Credit Usage : 0 % Account Status : Open ( Status updated in XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Highest Balance : {$320.00} Payment History : XXXX : XXXX ( 30 days late ) XXXX : XXXX ( 30 days late ), XXXX ( XXXX, 60 days late ), XXXX ( 90 days late ), XXXX ( 120 days late ), XXXX ( 150 days late ) XXXX : None XXXX : None I have noticed that despite the account being open, I am barred from making any purchases. Given this situation and the fact that the balance is currently XXXX, I would like to request the following actions : Closure of the Account : Please close my account immediately. 
Removal from Credit Report : Kindly remove all records of this account from my credit report. The continued presence of this account on my credit report is not reflective of my current financial status and is negatively impacting my credit score. 
I appreciate your prompt attention to this matter. Please confirm once the account has been closed and the necessary updates have been made to my credit report.
Product: Credit card or prepaid card

On XX/XX/19, I was on the united.com site to book a flight. There was a pop-up banner to apply for a United Explorer credit card from Chase Bank to receive XXXX bonus miles ( after {$2000.00} spent on the card in three months ) and a {$250.00} statement credit after my first purchase. There was even a box calculating my flight cost less the {$250.00} for my total cost. I was skeptical but decided to apply. I clicked the box, completed the application, and was approved for a {$24000.00} credit line in just a few minutes. I then booked my flight using my new United Explorer credit card number. I received my credit card in the mail and called to confirm the receipt on XX/XX/19. While on the line, I asked a customer service representative to confirm my {$250.00} statement credit. She told me that I instead received XXXX miles that could only be earned with thousands of dollars of purchases in the first three months and the first six months. I spoke with her manager, XXXX, in the XXXX office. She told me that they could not correct or switch me to the offer I applied for. Later that same evening, I was on the united.com site to research a flight for my son and the same XXXX miles and {$250.00} statement credit is still in the pop-up banner. I called customer service again and spoke with XXXX in the XXXX office. She agreed that the situation was not fair to me but after checking with her manager, confirmed that they could not correct or switch to the offer I applied for. I believe this is a bait and switch, and that Chase Bank never intended to honor the offer.
Product: Credit reporting or other personal consumer reports

i have no knowledge of these accounts and hard inquries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan inXX/XX/2019. 
The 3 companies are : XXXX/XXXX XXXX, OR XXXX ( XXXX ) XXXX-XXXX XX/XX/2019 XX/XX/XXXXXXXX, FL XXXX ( XXXX ) XXXX-XXXX XX/XX/2019 XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX  XX/XX/2019
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below wich still appers on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies ar highly injurious to my credit score, in accordance with the Fair Credit Reporting Act, Public law XXXX, XXXX VI, section XXXX, subsection A-D, please provide the names and bussiness addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your reinvetigation. 

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

My name is XXXX XXXX, born XXXX  and I am a victim of identity theft. There are duplicate credit cards in my name that I did not authorize
Product: Student loan

I initially filed a complaint ( Case No. XXXX ) on XXXX XXXX, 2016, after US Bank denied my request to modify my student loan because I could not afford the payments. After this complaint was filed, US Bank provided me with the opportunity to defer payments for two months so I would have time to submit another modification request. My original request was denied because US Bank determined ( using a formula that has never been explained to me ) that the debt I owe is not a large enough portion of my overall debt. I explained my monthly income would go down ( by {$1100.00} ) because I had a teaching contract that was not renewed - XXXX XXXX ( XXXX ), a collections manager, assured me at that time he would personally review the new application ( to be submitted once I had pay stubs confirming the reduction ) and that he was " sure US Bank could find a way to make it work. '' On XXXX XXXX, 2016, I mailed the updated application and supporting documentation to US Bank, and the tracking information confirms it was received by US Bank on XXXX XXXX, 2016. I had not had a response from US Bank as of XXXX XXXX, so I called and left a message for XXXX XXXX asking him to call me back with an update. He had not called back by XXXX XXXX, so I called and left another message. On XXXX XXXX, I received notification from US Bank in the mail ( attached ; dated XXXX XXXX ) that now my loan can not be modified because I make too little ( " debt-to-income and/or payment-to-income ratios indicate a payment amount that is not affordable and/or not sustainable despite applying maximum modification terms '' ). So, two months ago I made too MUCH to qualify for a loan modification ( despite not being able to afford the monthly payments ) and now I make too LITTLE to qualify for a loan modification. I immediately called XXXX XXXX and left another message, indicating I 'd received the letter and would need to speak to either he or his supervisor so I could get a detailed explanation on how this determination about my loan modification had been made. I also informed him I would be filing another complaint with the Consumer Financial Protection Bureau. I would LOVE to know how much my income needs to be in order for US Bank to determine I will qualify for a loan modification. The bottom line is that if I could not afford the monthly payments when my income was {$1100.00} more than it is now, I do not know how US Bank expects I can afford the monthly payments now. US Bank has not offered another solution to me or been willing to work with me at all. My credit has taken a huge hit because of problems with US Bank - something I made very clear to XXXX XXXX during our XX/XX/XXXX phone conversation - and I am trying to prevent things from getting worse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX The following personal information is incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through Equifax, I immediately disputed that fraudulent inquiry with Equifax and a few days later with XXXX XXXX XXXX as well. I believe that on the XX/XX/XXXX or XX/XX/XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX A NATURAL BORN PERSON. " In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past 5 months I have made several attempts to remind you of your duty pursuant 15 USC 1681. It appears that Transunion & XXXX is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... ... all of the unverified information must promptly be removed. 
They can see in there system that this account was previously disputed without being verified. XXXX has violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission not only that they did not have my consent. They not respect my right to privacy which is under 15 USC 1681 ( a4 ). The account being disputed is XXXX XXXX XXXX XXXX of XXXX GA.
Product: Debt collection

I was purchasing a car in XX/XX/XXXX and was told that my credit reports returned a debt collector notification. When I pulled the credit through my current bank a few weeks later a medical debt was reported and I filed a dispute through XXXX. The dipute listed that the CBE Group Inc tried to contact me 3 times, however I was unaware and the dispute came back unspecified. I followed up with a phone call to XXXX  where no one could explain the debt and I was told to contact the collector. On XXXX XXXX I was arrive to work to find my paystub had already garnished my wages for this debt at the amount of {$460.00} a month. The employer had been notified on XXXX XXXX XXXX and I was not notified until XXXX XXXX upon my discovery. When I received the paperwork for the garnishment from my employer I contacted CBE group regarding the debt to complain about the garnishment with no court order and the only information I received was it was medical debt from XXXX but no details other than {$5400.00}. They are no longer communicating and Im being bankrupted by this issue without the ability to exercise my right in court nor being explained the debts. I have supplied paperwork showing that my XXXX benefits ended in XXXX and I have carried private insurance through my said/current employers. I believe they are wrongfully placing the garnishment and the destroying my credit for an old debt or a debt that can not be explained.
Product: Debt collection

Its a couple of hard inquiries on my credit report that I had no knowledge of nor signed up for anything so I would like them removed
Product: Money transfer, virtual currency, or money service

Event dated XX/XX/2023 some suspecious activity going in my Account. Somebody did some unknown transactions in my account on the same date & time I reported to the XXXX XXXX Department and XXXX XXXX. I saw online there were some unknown accounts under zelle account an there were XXXX transactions on {$1500.00} & {$2400.00} each for " XXXX '' & XXXX '' Both transactions unknown to me. 
On the same date I have to go out of country for 20 days. I reported and representative created the deposit for 2 transactions. I received 2 emails shown in description as denied. 
The helping person from CashApp saw XXXX or XXXX accounts transactions. 

I called so many times to CashApp they are not listening just open and close the case. 

They are saying that they can not verify my info. 

How I can prove them... I think hecker change info in my account, that is the reason those info does not match.
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, yet they are reporting me as such.
Product: Checking or savings account

Back in XX/XX/2022, I noticed USBank has an online AD shows they will provides a {$400.00} welcome bonus offer for new personal checking account : " Complete two or more direct deposits within 60 days of opening your new Platinum, Gold or Easy checking account. 
Earn {$200.00} when your direct deposits total {$2500.00} to {$4900.00}. 
Earn {$400.00} when your direct deposits total {$5000.00} or more. 
This offer is valid through XX/XX/XXXX. XXXX XXXX : XXXX " I opened checking account via USBank 's website with Promo code " XXXX '' on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than 12 direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. 

I contact USBank customer service more than 5 times in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.
Product: Debt collection

I was sent an unsolicited credit card from XXXX XXXX XXXX XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. CACH LLC bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again in XX/XX/XXXX XXXX. I worked odd, temporary jobs during that time and finally found another full time job in XX/XX/XXXX XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But in XX/XX/XXXX, CACH froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to XXXX XXXX XXXX in XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).
Product: Credit reporting or other personal consumer reports

Hello I'm reaching out today because it has come to my attention 2 educational student loan accounts are currently reporting on my consumer report that myself or my parents did not authorize or review before funds were released on my behalf. This is a direct violation of 20 USC 1232g ( b ) under the Family educational rights and privacy act because my parents were not allowed to review the private education records before deciding if they wanted the information to be released to the public. I'm requesting both these accounts be deleted immediately as this is fraud under 12 CFR 1022.3 since XXXX equifax and XXXX do not have authority to report these vital records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing The Fair Credit Reporting Act I noticed that all 10 of the closed Navient accounts were still reporting inaccurate unverified information on my credit file for the following accounts ( XXXX ) with varying balances. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I am writing to file a complaint regarding an unresolved dispute for a purchase of counterfeit items from a seller that both financial institutions involved, Wells Fargo and XXXX XXXX, refuse to remedy. The Wells Fargo debit card purchase of {$650.00} was conducted between me, the Cardholder, and the Seller, using XXXX XXXX as the intermediary platform, posted on XX/XX/XXXX. This case consists of a direct debit card purchase transaction, and not a XXXX XXXX balance transfer, qualifying it for Cardholder protection. 

The items were received on XX/XX/XXXX and were confirmed to be counterfeit. I reached out to the Seller to request a return and refund ; seller opened and viewed my message ( blue check mark ) and proceeded to block my number ( single gray checkmark, no last seen in contact info ) Despite carrying the ability to reverse this fraudulent transaction involving a purchase of counterfeit items, both Wells Fargo and XXXX XXXX refuse to take accountability for the abuse and exploitation occurring on their financial platforms even after numerous contacts and appeals.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an error : XXXX XXXX Opened XXXX XXXX, 2017 It has already been removed from the other 2. I promise it does not belong to me.