23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a notice that I was close to my credit limit on my Amazon store card issued by synchrony bank and knew that had to be impossible since I havent used the card in a very long time. I opened up the latest statement and noticed a $ XXXX dollar charge for credit protection then noticed that this charge repeated every month on each statement I opened for the past year. I called the company to investigate and they told me I opted into this program in XXXX  and have been charged for it monthly since then. I assured the representative I did not choose this optional coverage and asked if this was a box that was either pre checked in the application or if it was information buried in fine print and I had to call and cancel at a later date. She never answered that question she just said that I opted in. I again said I would never do that because I ran into the same issue with a Lowes card and made it a habit to look for those things now. I told her the Lowes card ended up refunding me my money for this and insinuated I I expected the same for this situation but never directly asked to be refunded. She canceled the coverage but did not offer me a refund. I feel like this company has defrauded me out of hundreds of dollars over the past 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card placed a hard Inquiry to XXXX without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything Discover has asked me to do as they have admitted they have no knowledge why I have an Inquiry.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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/year>
Product: Debt collection

Reference # : XXXX Account Number : XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 U.S. Code 1692g. 

Firstly, I request validation of the creditor 's name associated with this account, as mandated by 15 U.S. Code 1692g ( a ) ( 2 ). 

Additionally, I am exercising my right under 15 U.S. Code 1692g ( a ) ( 1 ) to request clarification on the amount of the alleged debt and how it was calculated. As of the provided date, XX/XX/2023, the amount stated as owed is {$10000.00}. However, the subsequent increase in the total amount to {$14000.00} includes fees of {$3700.00} without any explanation or breakdown of these charges. Therefore, I require a detailed breakdown of all charges and fees applied to this debt. 

Furthermore, I remind you of the provisions outlined in 15 U.S. Code 1692e, which prohibits false or misleading representations in debt collection practices. It is imperative that all communications and actions concerning this debt adhere strictly to the guidelines set forth in the FDCPA. 

I request that you provide the requested information within 30 days of the receipt of this letter. Failure to do so may result in further actions to protect my rights under the FDCPA.
Product: Debt collection

I ADVISED A FEMALE AGENT TO REMOVE A BUSINESS NUMBER BECAUSE THE NUMBER WAS NO LONGER ASSIGNED TO ME BACK IN XX/XX/XXXX. TODAY, XX/XX/XXXX A CALL WAS PLACED TO THE NUMBER THAT WAS TO BE REMOVED XXXX AND THE YOUNG LADY DISCLOSED WHERE SHE WAS CALLING FROM AND REFUSED TO TAKE THE CORRECT NUMBER TO CONTACT ME. I CONTACTED 5TH LOSS  MITIGATION DEPARTMENT THE ONLY NUMBER I HAD READILY AVAILABLE ONLY TO EXPLAIN THE SITUATION TO BE HUNG UP. SPOKE TO COLLECTIONS TO REQUEST A SUPERVISOR ONLY TO BE HUNG UP AND TOLD THAT THEY DONT KNOW WHY THE AGENT CALLED THAT NUMBER WHEN IT WAS REMOVED AND CANT EXPLAIN WHY..
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting innacurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifaxASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, XXXX, XXXX, equifax failed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the oppurtunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INNACURATE PERSONAL INFORMATION,
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my Experian consumer report and noticed an item reporting on my credit file that isnt reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Product: Student loan

I believe Navient has been incorrectly applying student loan payments on my account for years. I did catch on instance which I had them correct. I also complained to them that it is very shady that I can no longer see my history of paid off loans. Their website also doesn't show the details of how the payments were applied and it also isn't easy to navigate making principal only payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, XXXX  and Trans Union collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and XXXX XXXX is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.
Product: Credit reporting or other personal consumer reports

I was denied a home loan, so I contacted Equifax, and that's when I found out that my SSI number XXXX and previous last name XXXX were in their data breach. My name, XXXX, was restored when my divorce was final on XX/XX/XXXX. I don't use the name XXXX. However, New accounts were open to addresses I didnt live at, and current credit card accounts were changed, so I had to close them. I would pay the bill, and someone else was making charges. It was so out of hand I had to close cards I had for over 6-8 years. Not to mention, a judgement for an eviction was fraudulently committed while I was a member of TransUnion, Equifax, and Experian identity theft and credit monitor program. I have disputed this several times. Equifax and Experian have placed a fraud alert on my credit file but have not removed the fraud nor helped me in any way to repair a problem they caused. They had me speak to the legal Department that is handling those who were affected. I submitted the letter of the breach and told her that I didnt receive it until 8 months after the deadline. She informed me all they can do is pay for credit repair and credit monitor service. To this day, they still have not provided any support. I have been paying out of my pocket for credit repair Services, and Experian refused to give me a copy of my credit report. I have owned my own home since XXXX, I have never had an eviction, and as a XXXX, I have been denied employment and a home loan because of this breach. I have an FTC report ; I am following my repair steps and trying to get my life back. Please see to it that the credit bureau does their part. Thank you
Product: Checking or savings account

I decided on XX/XX/2021 to close 2 accounts at Citibank due to their unavailability on the telephone ( I have an online account ) and their representatives ' consistent inability to help me ( if I ever got one on the phone after repeated calls and wait times in excess of 20 minutes. ) I called, was put on hold for 23 minutes, then a representative named XXXX told me to simply withdraw or transfer the money in the account to XXXX. He said the account would automatically be closed in 30 days. Since then they have been charging fees on the accounts, and have been robo-calling, emailing and texting relentlessly to collect these charges on a " closed '' account. All this for about {$65.00}. 
Today ( XX/XX/2021 - Sunday! ) they called again and I decided to try to get this resolved. I was again put on hold and finally transferred to someone in the customer " service '' department named XXXX. I told him what happened and he tried to sell me on more accounts and became very adversarial and argumentative when I told him I was not willing to wait on hold indefinitely. I ended up hanging up on him.
Product: Payday loan, title loan, or personal loan

I received an online loan, Cashnetusa. I requested {$500.00}, but they would only approve {$1100.00}. I called asked my payment amount monthly and was told they couldn't tell me until deposit was made. Afterward was told payments would be around {$420.00}, with only {$100.00} something would go toward principal and over {$300.00} toward interest. I'm on XXXX and there's no way I can pay that amount monthly out of my SS benefits. It's crazy to think I'd accept that loan knowing I'm only paying back interest. I'm going to pay back their loan amount hopefully within 6 months and adding only {$300.00} interest. They will just have to sue me, because I was thinking payments would be reasonable. I'd be paying them forever with their payment arrangement. I'm willing to face the consequences because this is usury.
Product: Credit card or prepaid card

I had XXXX accounts with Capital One XXXX, XXXX XXXX XXXX XXXX. Both of my accounts were closed without any warning. I made large monthly payments and I thought both of my accounts were in good standing. When I learned that my accounts were closed, they reassured me that it was not permanently closed, but on restriction for a short period of time. No reason as to why on restriction. I asked could I reapply to open my accounts and I was told that I could re-open them. When I tried, I was denied.
Product: Checking or savings account

Someone called and made false claims on ATM transactions on XX/XX/XXXX and XXXX and temporary credit was added to my account. Those same two days, {$2500.00} on XX/XX/XXXX, {$2500.00} and {$5300.00} on XX/XX/XXXX was taken out of my account. I was told someone had to have called and confirmed they were me, I received no calls or emails on fraud alert. When the initial ATM claims were investigated and closed, the bank withdrew the amounts that were temporarily added, out of my account, but since someone withdrew those amounts, my accounts went negative and thats when I realized this happened, and called on XX/XX/XXXX. I have now opened 3 fraud claims and they were closed, so I had them reopened. Im sending in documents that show I had class that day so I was on XXXX  class from XXXX and XXXX and I have multiple eyewitnesses who saw me throughout the day, two eyewitnesses I was with all day, the first with me from XXXX and the other I was with from XXXX and then I worked at XXXX. I am in the process of obtaining those records and documents to try and prove I was in XXXX Tx that entire day and not in XXXX where the ATM fraud occurred. They have not been able to show me any ATM or bank footage which could prove it was not me. They wont look at the number or call records that called in to the bank as me and made false claims and edited my account settings, which would clearly not be my voice or phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor has not reported my account balance to Experian correctly for the months of XXXX and XXXX of 2021. 
Creditor - bank XXXX XXXX XXXX I made several calls the their customer service to update my balances to Experian for the month of XXXX on the dates of the XXXX thru XXXX. 
My statement date is on the XXXX of each month. 
The Bank XXXX Missouri told me they updated my balance on XX/XX/XXXX but Experian never received an updated balance for XXXX until XX/XX/2021. 
Since I was between due dates my balance had grown and when Bank XXXX Missouri finally updated my balance on XX/XX/2021 my balance was {$230.00} on a {$300.00} credit limit which caused my credit scores to plunge which caused me not to qualify for a mortgage. 

It is unfair for this creditor to not update my payments promptly to the credit bureaus as per my agreement with them based on my balances on the end of my statement dates. 

Today is XX/XX/2021 and they still havent update my balance with the creditors which is now {$11.00}. 

Please hold this creditor accountable for accurately updating my balances with the credit bureaus based on my closing statement dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent. 
2. I have never opened this account. 
3. I have never given given permission for someone to use my information to open this account. 
4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is stuff coming up that is over 7yrs old That I have no n.v idea what it is for or who it is should be taken off my cc score history
Product: Student loan

I have called Nelnet and I have filed a previous complaint here : XXXX. After the Company 's response, my previous complaint was closed. But, the Company 's response ignores the fact that I have called to request a statement on my loan and they have not sent one since XXXX. Although they never mentioned it when I called, their response indicates that they auto-enrolled me in electronic correspondence only- without my permission, but that they would " change my preference '' so I would receive paper bills in the future. That was XX/XX/2022 - I have still NOT received a statement on this loan, though I have received two on my other student loan with Nelnet. The Company 's response was unacceptable. First, they should not be allowed to stop sending statements without authorization from the borrower. If I have not previously authorized e-correspondence, how can the claim that by NOT responding to their email, I somehow consented to correspondence only by email. That is ridiculous. Second, despite multiple phone calls, and a prior CFPB complaint, they are still not sending me statements.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute innacurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thoroughinvestigation into these inaccuracies, as required by federal law. 
Recently the consumer financial burueau filed a lawsuit against experian for its failure to properly investigate consumer disputes, ciitng " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinstating previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Payday loan, title loan, or personal loan

I financed XXXX XXXX XXXX XXXX with XXXX XXXX XXXX spa on XXXX. They closed their company permanently without notifying me. I am still having to pay the finance company and have not received the services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 Ally FinancialXXXX XXXX XXXX XXXX, XXXX, NC XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

That creditor conducted this investigation without permission and without authorization! This needs to be taken out as soon as you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for a loan, I was given a copy of my credit report and I noticed some of my personal information XXXX, XXXX, and TransUnion was inaccurate or missing including current address and date of birth.
Product: Mortgage

Wells Fargo claim there is a 'shortage '. In XX/XX/XXXX with a so-called shortage of {$750.00} I was paying {$730.00}. a month. In XX/XX/XXXX I was paying {$730.00}. Now! starting XX/XX/XXXX with a so-called shortage of {$1700.00} is insane. The Accounting is inconsistent. I have XXXX 's payment now but need to know my rights with regulations x and z. The month is not over, and the bank is sending me an increase to {$950.00} a month. 
I was managing my payments in the {$730.00} range Now things are too much. With your council a solution can, be found.
Product: Checking or savings account

According to a rep with XXXX corporate office, XXXX, Wells Fargo sent them instructions to send any remaining funds in accounts to them as part of a fraud claim amount of {$690.00} ... .Remaining funds in XXXX accounts were sent in amount of {$140.00}, however, according to numerous Wells Fargo reps including a XXXX XXXX XXXX Wells Fargo does not accept partial payments including the amount of XXXX Ty advised to have instructions changed with Wells Fargo so payment can be issued to myself, I believe. XXXX can be reached at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX and GM Financial Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.
Product: Debt collection

Behind on my payments on my XXXX XXXX XXXX due to my job closing down and filling for XXXX  XXXX bankruptcy once I lost my job on XX/XX/XXXX I nodifyed the company about me losing my job and asked to work with me they I sent in documents claiming that I was getting a settlement from work and the proof they needed it still wasnt good enough for them they have people harrassing me and following me everyday intimidating me and waiting at my son middle school XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with there reckless driving when I have my son in the car, non stop calling me from different numbers everyday and my familys phones too I have emails and texts messages to prove my claim is true they where using profanity language over the phone with me and threating me with the Sheriffs getting involved and have me arrested they caused me to have XXXX and XXXX  where I had to go see XXXX XXXX  I am feeling threatened and feeling like my familys XXXX  in danager  and affecting my wellbeing
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for anv purpose.