23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received XXXX late payments for XXXX, XXXX! However i never received a statement nor bill 21 days prior to the due date per 15 USC 1666B! I Contacted Victoria Secret numerous times and finally got the to update my address they stated everytime that they were having issues with my account and on the XXXX time i finally got someone to uodate the address! This was totally unfair and inaccurate because i also had automatic bill set up the entire time i had my account with them! please help me because they are ruining my chance at getting my first home! THANK YOU Very Much for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

I owed a balance for XXXX XXXX CREDIT CARD NUMBER XXXX and paid {$120.00} in XXXX of XXXX. As of XX/XX/XXXX, the account still has a balance owed. I have tried to call and email XXXX. They will initially respond but once I tell them why I need help I get no response.
Product: Vehicle loan or lease

XX/XX/XXXX I spoke to the company that I finance my vehicle, at this time they told me that my vehicle was paid off, that was a relief to me cause honestly I wouldn't hear from them again.. I even made a few extra payments just in cause there was those little fees A total {$600.00} more. On XX/XX/XXXX at about XXXXXXXX XXXX I saw a unmarked truck back into my driveway, and drugged it out of my driveway, ( my wheels were locked and my wheels was turned to the left ) He continued to pull it out of the driveway doing damage to the driveway. about XXXX worth plus {$1500.00} to my front end of car. The company wont give me a number to the the tow company to file charges on. Credit Acceptance Cooperation has not sent me anything between XX/XX/XXXX to XX/XX/XXXX No mail, No Emails, No Phone calls I want these people to be stopped with what they are doing, they are ripping people off with high interest rates, percentage rates are way to high at 29 % XXXX I have already paid twice has much as the car is worth over XXXX With the percentage its to high and they are taking advantage of people with this rate. 
IT NEEDS TO STOP Credit Acceptance Corp. is a BIG RIPE OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting Experian send me a reprint of report number XXXX, so that I may be specific about the illegal changes Experian made to my credit report. If they refuse to send it I will subpoena the report.
Product: Debt collection

I had a contract with XXXX XXXX space that was supposed to end on XX/XX/19/. I have an email confirming that the contract ends at XX/XX/19, however, XXXX XXXX refuses to end the billing cycle and billed me into XXXX. I did miss two payments for XXXX and XXXX, however, I should not be responsible for further payments. They refuse to correct the bill.
Product: Credit reporting or other personal consumer reports

I have reached out to the Dept of Ed XXXX to get a copy of my original contract showing I took loans out. I told them I have been.a victim of Identity theft and victim of domestic abuse so many of the loans or items on my credit was mostly likely not me. I sent the letter back in XXXX and still haven't received a response. Also, called them at XXXX couldn't provide me with the contract. 
DEPT OF EDXXXX Acct XXXX XXXX Amount : {$6500.00} XXXX XXXX XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : XXXX XXXX TransUnion DEPT OF ED/XXXX  Acct # XXXX Amount : {$5300.00} XXXX {$5300.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$3500.00} XXXX {$3500.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$2200.00} XXXX {$2200.00} XXXX XXXX XXXX  Acct # XXXX XXXX {$9700.00} XXXX {$8600.00} XXXX  No contract with them. I called and wrote a letter and haven't received any thing back from the company. 
XXXX XXXX Acct # XXXX Amount : {$1000.00} XXXX {$1000.00} XXXX  There can't be an open account as a collection that is a violation. Also, this company hasn't sent any proof of contract or proof that I had any accounts with them.
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 9 ) nine inquiries and inaccurate personal information showing on the credit file with Equifax. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a six-month payment plan over the phone with the Loss and Recovery department employee XXXX XXXX XXXX to repay a business line of credit to Wells Fargo Bank XXXX XX/XX/year> for {$37000.00}, from a letter sent to me by mail from Wells Fargo Bank stating that I had the option to repay the amount by way of a monthly payment plan if I was experiencing financial hardship, which I was. 

The Wells Fargo bank employee neglected to put the payment plan in effect and did not follow bank procedures to institute this plan. As a result of this Banker 's error, the Wells Fargo Loss and Recovery Department took the entire amount of {$37000.00} on XX/XX/year>, from my business bank account and personal account without notice, leaving me financially devastated and depleted, unable to support myself and my family. I am unable to pay rent, bills, utilities, etc. 

I have requested multiple times that Wells Fargo Bank Executive Office review this matter and return the funds taken from my accounts by mistake and implement the payment plan as I had requested and agreed to before the due date of the first payment of this six-month plan. 

Wells Fargo Bank has denied any wrong doing or procedural mistakes by taking this entire amount from my accounts. Futhermore, XXXX XXXX XXXX, whom I spoke to in detail in XXXX to request and accept the plan has not been forthcoming with the truth to his superiors about this matter. 

I am hereby requesting that this matter be rectified and Wells Fargo Bank take accountability for their employee not doing their job and not being honest about what was discussed to set up a six month payment plan so I could pay the loan back and survive. 

In summary, I have been in communication with the Executive Office Business Line of Credit ( XXXX XXXX XXXX, who has informed me that the Wells Fargo Legal Department has denied the return of my funds. I am getting conflicting stories about whether or not my phone call with XXXX XXXX XXXX in XXXX was in fact, recorded. The Business Executive Office ( XXXX XXXX ), whom I have also been in contact with for over seven weeks, has been unable to rectify this case or verify this conversation. I have been dealing with this matter since XX/XX/year>, and request the complaint be escalated above the Business Line Of Credit and Business Executive Offices, as well as the Legal Department, so that I may have the opportunity to be in direct contact with the Supervisor of those Departments as Wells Fargo refuses to provide names, specifics, or points of contacts to solve this issue. 

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

A debt collection company, XXXX XXXX XXXX failed to validate information that they have placed on my credit report in XXXX of XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent XXXX XXXX XXXX a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with XXXX XXXX XXXX to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from XXXX XXXX XXXX, but they continue to increase the amount owed on my credit report monthly. 

My rights are being violated. I am a single mother of XXXX and a XXXX student. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.
Product: Credit card

Trade line was removed from my credit reporting file. Item was re-inserted on XXXX XXXX, 2015. Item was disputed as previously removed. Item was updated, instead of being removed on XXXX XXXX, 2015. Also, with account no longer being on credit report, there was an unauthorized inquiry conducted by company.
Product: Checking or savings account

I have tried unsuccessfully to contact Citizen 's Bank regarding my checking account # XXXX and do not have the ability to see on my end what is going on with my account i.e. how much money is in the account as I am waiting for credits for the multitude of continued fraudulent use of same. On XXXX XXXX, XXXX, I got a copy of my XXXX 's statement and the bank too out {$75.00} from my Pension for overdraft fees when I have not used nor had a card to use as it was closed by Citizen 's Bank because ( I was told ) I filed a Complaint of fraudulent!!! My XXXX is in the amount of {$2000.00} and I withdrew it 's entirety except leaving the change so as to enable the Bank to give me the credits they owe me!!! I only received {$1900.00} leaving the {$0.00} to keep the account open as aforementioned!!! Also money was stolen in XXXX - once on the XXXX Wednesday of the month in excess of {$400.00} and on last day of the month in excess of {$250.00} stolen from my account also stating for overdraft fees when, in fact, the Bank owes me money for cyber theft or some fraudulent amounts stolen as has been since I noticed on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report in trans union credit Bureau I found something suspicious that i didn't recognize it is called XXXX XXXX they did a hard inquiry without my approval this was on XX/XX/2022 I tried calling them to find out the issue the number was a scammer when i try to reach a representative they hang up on me few times their number that is listed in Trans union is XXXX address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX please track these scammers and send me a letter for that to ask the credit Bureau to remove them from my records
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle from XXXXl. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
XXXX has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to XXXX XXXX over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo is preventing me from closing the account
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATION/XXXX Account number XXXX {$4100.00} DEPT OF EDUCATION/XXXX   Account number XXXX {$1000.00} DEPT OF EDUCATION/XXXX Account number XXXX {$2400.00} DEPT OF EDUCATION/XXXX Account number XXXX {$6000.00} DEPT OF EDUCATION/XXXX   Account number XXXX {$3500.00} DEPT OF EDUCATION/XXXX Account number XXXX {$5500.00} These accounts were DELETED AFTER A 30 DAY INVESTIGATION and was recently reinserted without a five day notice, according to FCRA is governed by FCRA 611 ( a ) ( 5 ) (  B ) my rights have been violated.
Product: Student loan

I tried to make my payment over 10 times in XXXX the website was down. I tried to email through thier portal, it was down. I tried to call it's a 60 minute wait or longer. No answers. 
I have set up automatic payments and they said still my payment was late. They have serious and significant website issues and today I can not even access it yet again. If I can not log in then how can we be expected to make the payments.
Product: Credit card or prepaid card

On XX/XX/2019, COMPLAINTANT had applied for one of Wells-Fargo 's credit card products using online and phone calls. It was denied with reason " Identity can't be verified '' and representative ( s ) recommended visiting local branches nearby to complete this application. However, an application using identical name/address/SSN was granted credit line ( cards delivered ) with a different bank or had identity verified for leasing other merchants ' services without having to visit a branch or run into " Identity can't be verified '' problem. COMPLAINTANT asks that Wells-Fargo look into how this has occurred, as other applications pertaining to credit reports processed through major credit bureaus usually do not produce such results. It seems like a possible internal error within Wells Fargo. Though COMPLAINTANT recognizes and acknowledges Wells-Fargo 's right to refuse to service to anyone for any reason ( as long as it doesn't pertain to discrimination based on age/religion/gender/nationality ), COMPLAINTANT will retain the assertion to describe Wells-Fargo employees as having bias against the COMPLAINTANT, thus required unnecessary authentication procedures beyond what's already available, something they do not require onto others. Wells-Fargo can feel free to show that other applications were also rejected and had asked those applicants to visit a local branch for something that can be done online ( on the same criteria used against the COMPLAINTANT to have him visit a local branch ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I requested a credit limit increase on my XXXX XXXX card. I requested a limit equal to that which I have on my XXXX XXXX card, about double the current limit on my XXXX XXXX card. I have had the XXXX card for several years and have a 100 % on-time, in-full payment history. 

On XXXX XXXX website, it states : " Once you submit your request, well need to obtain a credit bureau report. '' At no point, either in full-size or small print, does it provide that this inquiry will be a hard pull. I have recently requested my credit limits raised on other cards -- no company ever performed a hard pull. I consented to a soft pull of my credit report. I did not and would not have consented to a hard pull just to raise my credit limit. 

XXXX XXXX blog does a good job of laying out the commonly understood differences between hard pulls and soft pulls : " A hard credit inquiry occurs when a potential lender examines your credit report and uses that information to decide whether to extend an offer for credit. For instance, if you apply for a home mortgage or a car loan, your lender will make a hard inquiry of your credit to help determine if you qualify for the loan. A soft credit inquiry, on the other hand, is a more routine check that can be done without your permission. A common example of a soft inquiry is when a lender youre currently doing business with checks your credit to make sure youre still creditworthy. You can also trigger a soft inquiry yourself if you check your own credit. '' ( XXXX XXXX XXXX ) XXXX is a bank with which I have a current business relationship. I was not applying for a new loan or mortgage with XXXX, merely seeking to increase the credit on a preexisting credit card. When I accepted that XXXX would look into my credit when considering an increase, it was based on the reasonable and commonplace understanding that a soft pull would be performed because of the context of the existing relationship. XXXX has the lower barrier to avoid this kind of miscommunication, as XXXX could easily modify the language on its website to specify the type of credit inquiry ( a hard pull, rather than a soft ) and could provide fine print regarding the ramifications of a hard pull to advise consumers. I have reviewed other complaints in the CFPB system and see that I am not the first XXXX customer to have been surprised by a hard pull. 

As a result of XXXX XXXX unauthorized hard pull, my credit has now dropped from " excellent '' to " good. '' This has occurred as we are trying to raise our credit to buy a home -- the only reason I was looking for a credit increase was to shrink my utilization ratio. I attempted to resolve the issue with XXXX XXXX   customer support, but unfortunately, the representatives were patronizing and not helpful. I am a reasonably informed consumer, with the additional benefit of having worked in contract law and with the Fair Credit Reporting Act. The language as it stands on XXXX XXXX website is not sufficient for consumers to provide informed consent for a hard credit pull.
Product: Credit card or prepaid card

I made a big payment payoff ( {$17000.00} ) on a balance transfer that the promotional 0 % APR expired after I made a previous balance transfer with a 0 % APR. The lender applied the amount to the new promotion instead of the higher APR balance transfer causing me to continue to pay interest. I was then told that I had a business credit card and I am not a consumer and the credit card act of 2009 does not apply. However, no company information was given to them or even verified and only my personal information and credit history was used to establish the card. All they did was simply put the name of my business on the front of the card. I asked for documentation where I can read the disclosures information but no response was given. 

I feel this is a deceptive trade practice in order to get around the credit card act of 2009.
Product: Debt collection

It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.