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

On XX/XX/XXXX I submitted two payment for which one of those was returned due to a problem with my checking account. My account number was changed for a dispute I initiated with my Bank and a new number was given. By the time I used my available funds and I noticed the payment was returned Discover Payment Department closed my account without notifications, grace period, email, calls, letters and/or explanation other than " My account is being closed for unsatisfactory payment history '' this is a lie because I 've never been late, and that day I submitted two payments. This Credit Card company has violated my rights and discriminated me without further notice. I 'll ask the to reopen my account since the reason they closed it for is null and/or not truth. I 'm planning on pay my over limit 's credit on my real due date, date they could n't wait for. Please, reopen my account and give me back my rights, as in the pending cash back earned so far that they need to double and full access to my account. I 'm forwarding this complain to major companies for review and investigation to this Payment Department Team who 're closing customers account for little mistakes and without further contact.
Product: Bank account or service

Hello, I signed up for US Bank checking and savings a little over a month ago. They have repeatedly taken " charges '' out of my account to the point where it has become overdrawn. Even when I have money in the bank they say it is " unavailable '' because I had just deposited it and they placed a hold on it. Yet they would let the charge go through and then charge me {$39.00} each time! I feel they are systematically stealing money from me and probably many others as well. 

Recently I had adequate money in my account yet they charged me with XXXX overdraft charges. 
I am sure they have several disclaimers they hand out when they open accounts but the paperwork is massive and the type is very, very small. I am getting older and my eyesight is n't what it used to be. It is hard for me to read " mice type '' if I can read it at all. 

They need to have their practices audited. Of course I will close my account with them immediately but I can supply you or anyone else with any details you would like. I feel like I have been robbed by these people as they have taken XXXX of dollars from me and refustThank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX  of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$25000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2022 Axos Bank charged my checking account {$1200.00}, instead of the normal {$620.00} ACH withdrawl. I worked for several days to get this resolved and my bank, XXXX XXXX XXXX XXXX ( XXXX ) implemented a temporary credit to my account, until Axos Bank provided the full amount. Once that transaction was completed, I cancelled my automatic ACH payment to Axos and paid them the agreed upon amount of {$620.00}, which I had paid continuously prior to this " glitch '' as Axos Bank stated. I never missed a single payment and have full proof of my transactions through my bank. Axos Bank has continued to stack on the {$1200.00} credit and late fees for the past year and I have contacted the XXXX  in the state of CA and NV with no resolution. I have filed complaints with all three credit bureaus as well and NOTHING has been resolved. I have EXEMPLARY credit and my score prior to THEIR accounting error was above XXXX. My score has dropped XXXX XXXX and I am receiving ZERO satisfaction from any consumer protection or credit bureau that I have contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XXXX after receiving an email from XXXX XXXX  about a hard inquiry on my credit report from XXXX. I notified Transunion that I had called XXXX support before contacting Transunion and XXXX had no record of an inquiry on my report. Instead of helping me and correcting their error Transunion said that I had to contacXXXX XXXX for a letter of deletion. After calling XXXX   for a second time, I was told that XXXX does not issue letters of deletion and instead told to come to this website, which does not issue letters of deletion from credit reports. It is also alarming that Transunion had records of everywhere I had lived yet on the hard inquiry for XXXX it listed my address as a place I had never lived. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Which is a hotel, not my place of residence. I have never even lived in that town or stayed at the hotel. 

The company still has 11 days from when they said they would be done in 60 days but I have received no update or information about the problem that they claimed to be working on.
Product: Payday loan, title loan, personal loan, or advance loan

Approved me for a title loan that was an amount larger than the value of the car, I believe this was a predatory action taken on someone with no other loan options due to credit status after extensive medical bills and a divorce. The car was totaled in 2021, I had full coverage insurance so they paid out the value of the car but the balance of the loan was still nearly 2-3k over the amount that was dispersed, I had a period of hardship for months after that with nearly no income and needing to replace my car as well without any assistance from insurance because it was paid directly to OneMain financial. They contacted me constantly via email, phone, and mail for months until I enrolled in a debt management plan that included this loan. I once again experienced an extensive period of financial hardship this year ( and still am ) and theyve begun contacting me repeatedly again.
Product: Payday loan, title loan, or personal loan

I called for a payoff and the amount was excessive and exceeded the laws of interest in Massachusetts on XX/XX/2021 and will not settle for a reasonable amount I have paid back 3 times the amount of original loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not gibe Equifax written permission to furnish these accounts. 

Accounts Dept of EDXXXX XXXX Dept of EDXXXX XXXX Dept of EDXXXX XXXX Dept of ED/ XXXX Dept of ED/ XXXX Dept of EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over 100 phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, Experian XXXX XXXX. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX, ACCOUNT NO.XXXX IS REPORTING ON MY EQUIFAX CREDIT FILE.I HAVE NEVER ORDERED XXXX , NEVER RECEIVED THE CARD, NEVER USED THE CARD, AND NEVER RECEIVED ANY MERCHANDISE.THE OPENING OF THIS CARD IN MY NAME IS ENTIRELY FRAUDULENT.IT IS IMPOSSIBLE TO DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.PLEASE FINE THE BUREAU IF THEY DO NOT REMOVE THIS ACCOUNT.
Product: Debt collection

Upon reviewing my recent credit report, I identified several accounts that appear to be inaccurate and were added without my authorization. Please take action to block and remove these fraudulent accounts from my report.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX I Have never had XXXX XXXX. I do not know where or whom this company is. I reached out to them to ask them about this account and they never sent me anything. This is fraud. I sent over multiple letters certified mail and they still haven't remove this from my credit report. FRCA law prohibits false information that is not mines to be reporting. I demand this is removed from my credit report. NeXT steps will be filing a lawsuit.
Product: Consumer Loan

I took out a loan XX/XX/XXXX with Western Sky for {$2500.00}. The first payment ( {$150.00} ) was drafted from my XXXX checking account XX/XX/XXXX. My monthly payment amount is ( {$290.00} ). I am current with the loan as of this writing. I have paid ( {$13000.00} ). For the last two years, a company XXXX has been calling my residence and cell phone XXXX times a day. They are requesting that I sign some form of documentation about my payments. For the last six months I have repeatedly asked for documentation concerning my loan, the payments I made, the amount of interest, etc. Only after threatening to stop the bank draft did they finally send me the information. These documents were mailed to my home. I was shocked to discover that I have paid back my original loan amount over five and one half times. 
XXXX is still calling both my home and cell phone several times per day. After doing some research on Cash Call, Western Sky and Delbert Services Corporation, I discovered that these are illegal loans and that in fact as of XX/XX/XXXX, Cash Call, Western Sky and Delbert Services Corporation are being sued for issuing illegal loans. In addition, according to a statement of charges filed by XXXX Department of Financial Institutions, XXXX XXXX, Western Sky, Delbert Services Corporation are all owned by one man, name not given. After reading more reports I also discovered that WS Funding, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX other companies are also part of this illegal loan. I feel as if I have been a victim of fraud by an illegal company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote and sent a dispute letter to Experian regarding a public record on my credit file. They sent me a letter today on XX/XX/2018. In the letter it states they verfied the public record as accurate and they will not investigate the item again. Experian did not mention how they verfied this public record. I contacted the bankruptcy court located at XXXX XXXX XXXX, XXXX NJ. They told me they don't provide any information to credit bureaus or 3rd party organizations. They even sent me a letter stating this and made a copy of the letter and I sent it to Experian. Experian is stubborn and refuses to correct this inaccurate information.
Product: Mortgage

I paid my two months mortgage amount of {$3300.00} ( XX/XX/2020 ) and {$3300.00} ( XX/XX/2020 ) to my lender ( Stearns Lending - XXXX XXXX ). Then I also received another payment notice from XXXX XXXX   that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from XXXX XXXX. How did my confidential information got transferred to XXXX XXXX? When did my loan was sold? 
My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Information Under 15 U.S.C. 1681o Dear Sir/Madam, Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I am notifying you of your negligent noncompliance with your obligations that have caused damage to my credit report. Negative items appear on my credit report that have not been properly verified, are inaccurate, or should not be reflected according to current regulations. 

I formally request the immediate removal of the following negative items from my credit profile : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX [ Creditor or XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XX/XX/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 Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since the information reported is negatively affecting my credit profile inappropriately, I demand an investigation and the removal of the items listed above. If I do not receive a correction within 30 days, I reserve the right to pursue legal action for noncompliance with the FCRA, including seeking compensation for the damages caused. 

Thank you for your prompt attention to this matter, and I look forward to receiving written confirmation of the removal of the listed items. Please feel free to contact me at the provided address or email.
Product: Credit card or prepaid card

I tried ordering some shoes off a website called XXXX and I put everything on my card information and I had plenty of funds on it and it still declined my purchase and I am very unhappy about the customer service that is not helping me with the situation I want the funds on this XXXX XXXX XXXX XXXX  to be transferred to my XXXX XXXX because this company has been very unprofessional about this situation that been happening for some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My name is XXXX XXXX my home equity loan is finance with XXXX XXXX XXXX loan number XXXX ). As a verification of mortgage indicates as well as a payment history illustrates, we forward our mortgage payments to XXXX XXXX from the XXXX to the XXXX of each month. XXXX XXXX has recently reveal the following : Example, if XXXX XXXX payment was received on XXXX XXXX, XXXX and XXXX XXXX payment is received on XXXX XXXX XXXX, according to XXXX XXXX the payment is considered thirty days late and XXXX XXXX reports to the credit bureaus the mortgage payment is thirty days late. We have attempted to resolve this matter with XXXX XXXX, However after speaking with several customers services agents and team leaders the situation continues to exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Student loan

I graduated XXXX school XX/XX/XXXX and have made automated payments since XX/XX/XXXX to XXXX XXXX ( and then Navient XX/XX/XXXX ). I have a fixed rate of 3.5 % after repaying on schedule for 36months. Original loan was at a 4.75 % Fixed interest rate and I receive 1.25 % reduction awards. 
My complaint is that XX/XX/XXXX my note increased by {$160.00} with no known warning. I do not recall any warning of this increase but I do remember receiving the notice that my loan was transferred to Navient. This increase placed my my monthly note very close to XXXX of monthly net income making it very difficult to keep up with other payments such as insurance, house and vehicle notes. 
I must admit it took me a while to discover that was the reason my personal account was not balancing for me. I continued to pay because I did see that this was going directly to my principle and helping to pay my loan down faster. 
XX/XX/XXXX things became especially hard with continual increases in my monthly health insurance premiums. I called Navient and submitted online to receive information on other repayment options. I received a return call and was offered a balloon repayment plan that would increase my note an additional $ XXXX-XXXX per month for a shorter period. A plan that was even more unaffordable for me. The caller informed me that this was the only reduction plan for which I qualified. Since then I have received weekly and at times daily calls offering me the opportunity to enroll in federal repayment programs for a fee. While these options sounded better, I am skeptical of solicited calls and could not accept any of their offers. 
It is now getting to a point that this monthly note feels overwhelming and part of the reason that I can not save or improve my living conditions. It is a great deal higher per month than my house note, car note, and soon I expect that my health insurance note will be it 's only close rival, consuming my monthly income. 
Another concern is that the Navient website does not supply me with the name of my original lender. I am almost positive that my loans are both federal as I have never taken a school loan through a bank but I should be able to readily access this information through my Navient account. Instead the space next to Lender is left blank. 
I need better options. I need lower payments. I need lower percentage rates. I need help and Navient is not offering me any solution but to stay enslaved to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report my personal seems to be compromised and I noticed inquiries from 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 DO NOT belong to me and XXXX have not received services nor goods from these providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that XXXX XXXX had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted XXXX XXXX about the issue. The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as XXXX, Equifax & XXXX authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted XXXX XXXX to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a XXXX XXXX Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted XXXX XXXX and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the XXXX XXXX address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe XXXX XXXX is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.
Product: Debt collection

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by WFBNA CARD. 
The account appears on my credit report with a balance of {$2500.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to WFBNA CARD to dispute the fraudulent account, but they have not resolved the issue.