23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Product: Credit card or prepaid card

I fell on financial harship they closed my account, then it was opened up again. Now they said I told them to close it and I got the behind payments caught up and tried XXXX time to get it open. Now, I am going through you guys to get my card opened back up again. Usaa has not been veteran friendly, if you fall on financial hardship. I told them what was going on numerous times and it still didnt help me out.
Product: Checking or savings account

I was working on my laptop and smartphone Friday XX/XX/XXXX my mouse on the screen started moving and clicking on my bank app took my phone the dozens of emails and texts what thought was from the bank ended up being a fraud/scammer changing access at XXXX point deleting the app still getting texts emails then it just stopped and it took an hour to gain access to my account when I did everything was changed I had to request new passwords and only to see that my {$2000.00} in a locked savings account was sent thru the app to a person I have never heard of I sent every piece of documentation to the bank they are not returning my money its all I had in the world these people of scammers have still been attempting to charge purchases to my account at large and small amounts they claim they blocked the habitual XXXX but XXXX still getting the alerts I went to the police filed a report then the fbi XXXX XXXX unit and submitted a IC3 report and still the bank will not return the stolen money the attempt charges are still coming between texts and emails its day 6 with no resolution to me I know the girls name on the account that my money was moved to XXXX XXXX and XXXX looks like she has a chime account as well she and whoever else involved locked me out of everything took all the money I had in the world and claim No Error XXXX so mad and upset XXXX a XXXX yr old woman disable paramedic on XXXX I worked a summer job 7 days a week to make money so I wouldnt get evicted I was in court with a lawyer from XXXX till XXXX caught up they dismissed my eviction yesterday XX/XX/XXXX and I had {$2000.00} saved to add to my XXXX check to pay rent the bank is the problem and dont see the problem I thought I was having a XXXX last night my head was pounding and bloody nose as soon as this morning another email trying to get {$290.00} I have no help
Product: Checking or savings account

My information was stolen and my account was used for fraudulent charges. I disputed them. Was refunded than the redacted the refunds. Now my deposits never line up and my available balance keeps lowering. They are XXXX. Key bank.
Product: Credit card or prepaid card

They advertise that they are helping their customers affected by the Covid 19 crisis, but they in fact are not really helping at all. I inquired about what that " help '' means and they explained that I can skip a payment, but will be charged interest. Well, this contradicts itself because it is in fact a profit for them. And this interest charge is what happens if you miss a payment in any regular day scenario. So no different options being offered to customers due to the current situation. And the only thing they said they don`t charge is the late fee. But they still charge interest, which I find to be not helpful at all. I would rather pay my balance than being charged more for being late, which is like I previously mentioned the case anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX BXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX I contacted XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Debt collection

Received a summons on XX/XX/XXXX from a public serving official that I was being sued for the the cost of +6 year old medical debt ( some less than 6 years old ) plus court costs by an attorney from Velo Law Offices. When I called the offices the following business day to offer payment I was told I needed to wait until a set of forms were mailed to me ( took 10 days to arrive ) Im not comfortable disclosing this information to them especially since my SSN was recently compromised
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX  XXXX Balance : {$2800.00}.
Product: Vehicle loan or lease

GM Financial is reporting me as delinquent on a loan that I had with them which was neither delinquent nor negative. I had just purchased a car with GM dealership when it closed. The loan which was just started was sent to the overflow dealership. I started paying them and continued until the end. Subsequently, GM reported this account 2 times to the credit bureaus with 2 different balances on the account. It shows the same account number but one shows a balance of {$10000.00} and the other account with the same account number shows a balance of {$12000.00}. I have advised them any times of the error on their part, I have also advised the credit bureaus of the error on their part. After all it is logically and logistically impossible to have the same account number for 2 different loan amounts. anyone with common sense who have noticed this as an error and take corrective measures. But no, this has been a struggle and is now affecting my ability to obtain credit. need this issue corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. 

Below is a summary of the data in which I am challenging : XXXX XXXX You must remove any name in your system which does not match the first and last names listed on this letter. My only name is XXXX XXXX XXXX
Product: Debt collection

This company ( Bureau of Medical Economics ) repeatedly contacts me on my work phone - despite my requesting multiple times that they stop calling me at work.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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/XXXX
Product: Credit card or prepaid card

I am really upset that American Express has denied me over 10 times to get approved for a credit card. I have been approved for a XXXX  XXXX  and XXXX card and have an exceptional payment and utilization history. My credit score is XXXX and yet I am being denied for a credit card. I am really upset that American Express has failed to properly look at my credit profile and see that I am eligible for these cards. My social security number is XXXX and my date of birth is XX/XX/1983.
Product: Debt collection

I was informed by XXXX XXXX XXXX XXXX XXXX that an outstanding debt was collected on behalf of Nationwide Recovery Service , Inc . I have not received any form of communication from this company regarding the debt or my options to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria Secret is charging me XXXX dollars from recharges but I had also payed it off on XXXX. They have also closed my account access for Victoria Secret and I can't access that account and now they only call me to charge me about the card.
Product: Credit card

On XX/XX/year> I paid capital one XXXX for a trip. On XX/XX/XXXX my trip was completed. When I went to check out I had to pay for my stay as capitol one travel never paid the hotel for my stay. I fought the charge and they removed it. Days later they put the charge back on my account. I then showed more proof of the hotel charging me for my stay. Capitol one then told me XXXX weeks after my stay that they finally paid the hotel which makes no sense and is quite deceitful. After a dozen phone calls to capitol one and capitol one XXXX, XXXX and a half months of fighting, and multiple promises of a refund and calls back that have yet to come I have ran out of options. I have now accumulated unnecessary interest on my account that they also refuse to take off even after explaining my situation. I have been making calls weekly and have gotten no further in my resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keep dropping due fail to investigate they stated it will be removed off my credit report still dropping my credit score due to this false information an someone's reporting me deceased cause me to not have credit if my date of birth on XXXX is XXXX. An then someone reported false information to uptain credit everything need be deleted from my credit report false information illegally dropin my credit allowed them to report this on my report just drop 100 points now it drop again
Product: Credit card

I have two credit cards through Chase. Chase recently redesigned their website and now I am experiencing difficulty in making payments. I was able to schedule a payment for one credit card, but for the other card the website will not let me make any entries for method of payment, date of payment, or payment amount. I have sent several messages to Chase about this problem but each time they respond by saying they appreciate my concern but I am still required to make at least a minimum payment or I will be penalized with a late fee. I have asked them, again, several times how I am supposed to do that since their online payment portal does not work. I am stationed overseas so sending a check ( which I ca n't since I do not have a checkbook here ) by mail will get there very late. I have been a Chase customer for over 15 years and have never missed or been late on a payment.
Product: Credit card

We have a Wells Fargo Signature Visa card. We see an interest charge on this month 's statement. On Wells Fargo online we can not find any information about the interest rate charged or the method of calculating the monthly interest charge on the WellsFargo.com Website, which we use for all our banking. I called Well Fargo Customer Care on the Visa statement and asked to find out where this info is available on the Website. The first person said he was not familiar with the online and transferred me. The second person said he was the Web site person and after XXXX minutes of trying, established that this information was not available on Wells Fargo.com and was also not available on the VISA monthly statement! He gave up trying to find out where on the site to go. I said I wanted to register a complaint and was transferred to another Customer Care person who gave me a case # of # XXXX and a phone number of XXXX XXXX ( Executive Offices ). I am writing now because in my experience when the answer is negative, that rather than say that ( on a recorded line! ), that you are referred to someone who will call within 24 hours. 
Okay, so my complaint is that neither the Wells Fargo online nor the statement show this significant consumer information easily available to the consumer where they themselves advocate the customer should do their banking when possible. That missing consumer information is twofold : 1 ) the interest rate including the APR charged on their Wells Fargo Signature VISA card, and 2 ) the method Wells Fargo uses to determine the monthly interest charge posted to the account. 
I know there was a booklet we got maybe even annually where that info may reside. That should not be the only vehicle for transmitting such significant information that the consumer should have readily available as they look at their statement and make their economic decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the 143 million people impacted by Equifax 's latest breach back on X/2017. Thus having to spend XXXX dollars of my own money to freeze my credit. These reporting companies need to be held accountable for the massive amount of data that is stored, as the end user has very little recourse about the data that is stored on them, that can greatly impact their lives if the data falls into the wrong hands.
Product: Student loan

I co-signed my daughters college tuition loan, since her father couldn't and she needed the money for school. Before completing her first year, she dropped out of school. The loan is being repayed by my daughter, myself, and her father. Our personal agreement is that we split the loan into 3 payments.

I am about to make a large payment ( my portion of the loan {$5000.00} ) and we are trying to request that I be removed as co-signer on the account, since my daughter does work full time, has her own apartment and is basically taking care of herself. I am in the process of paying off all my outstanding credit as I am going to begin looking to purchase a new home.

One of the questions on the co-signer release form is asking if we are providing her diploma or a certificate of completion. When calling into  Sallie may and talking to XXXX, she advised that if we do not provide this that they will decline removing me as the co-signer for this loan. 

How can she provided this information if she quit school? How is this fair to the consumers? Why is Sallie Mae not allowing the primary applicant to remove the co-signer at their own request. 

I want to be removed from the loan as a co-signed, but Sallie Mae is refusing to do so. 

Is there any help I can get with this, as the practices seem a little fishy and I believe this is out of scope with government guidelines regarding loans.
Product: Debt collection

Good Day this complaint is once again against XXXX and Midland as my previous XXXX complaints this is due to identity theft fraud. These accounts were opened without my authorization. As per my previous complaints I have attached my FTC Affidavit that is notarized my identification, their previous response and also the new addition is I went and filed a police report which is also attached please again remove the accounts from my credit report and cease all communications with me. This isn't my debt. And the bank account isn't and doesn't belong to me. 

Thank you
Product: Credit reporting or other personal consumer reports

My mom opened and Credit card through capital one and used it and then didn't oayy the bill and now it's on my credit report. This is not my credit card and I have no knowledge of it being opened
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting false and innaccurate date to my credit report. on my credit report they are appearing as a loan with late payments and a loan that needs repaid with a {$20000.00} balance. First of all I NEVER OPENED THIS LOAN IN XXXX This is a FRUAD account that was opened by someone who stole my identity. I never recieved any money from XXXX XXXX, I never applied for a loan with XXXX XXXX and I am DEMANDING XXXX XXXX REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT FILE IMMEDIATLY. I AM ALSO DEMANDING XXXX XXXX STOP REPORTING THIS TO THE CREDIT AGENCIES. REMOVE THIS ACCOUNT FROM MY NAME AND SOCIAL SECURITY NUMBER IMMEDIATLY.
Product: Debt collection

Ive have called several times to Citi Banks Secure Credit Card Dept I was transferred around 13 times the representative told they dont have no acknowledgment of this account. They even gave me a phone number to a collection agency called XXXX when I called the agency they dont have no account with my name I called back to Citi bank and was told I dont owe them Theu dont why this is show up on my Credit Report the agent name is XXXX XXXX These are phone numbers I have called. XXXX XXXX XXXX XXXX XXXX XXXX can please help me delete this from my credit report
Product: Credit card or prepaid card

Dear President Trump. My complaint is with Navy Federal Credit Union and the incredible interest they are charging me and my family on a credit card that was closed because we got behind on our payments. My husband is a XXXX veteran, having served honorably in the XXXX XXXX, the XXXX XXXX, and XXXX XXXX. 
We are paying Navy Federal Credit Union $ XXXX/month, of which @ $ XXXX/month is an interest fee. I have contacted NFCU numerous times to request a reduction in interest consistent with their lower rate credit cards given the fact the underlying interest rates have been reduced by the fed and the continued hardship of paying 27 % interest. I was told the interest they charge is based upon the fed rate and my credit score but to contact them the next time my bill comes due and they will see what they can do for us. Mr. President, the NFCU takes for granted the veterans it claims to serve and has done so for some time. They are happy to take all the positive publicity predicated on their claims to support the veteran community, but get in trouble and get behind on a payment, and it is the XXXX with you. I pleaded with NFCU to allow me to consolidate my credit card debt under a personal loan before it became an issue, but they refused and summarily cut the card off and simultaneously increased my interest rate to the userous rate I am currently paying. In the past 12 months, NFCU has charged me over {$1000.00} in interest on a {$4800.00} credit card debt and card which I can not even use. Mr. President, I am sending this letter to the Consumer Financial Protection Bureau and the CEO of Navy Federal Credit Union. I am sorry I have to trouble you with my problem but when I last spoke with the customer service department at NFCU, I was ridiculed, laughed at and told it was not NFCU 's fault I found myself in this situation. Thank you for your time Mr. President.
Product: Money transfer, virtual currency, or money service

I ordered an art commission from XXXX XXXXXXXX on XXXX on XX/XX/2021. I sent this individual money by PayPal and never heard back from him. Found out I'm not the only XXXX. I was told that it takes years for product to be received. I tried contacting both twitter and PayPal, but they can't provide any information about the user due to privacy. I tried contacting the individual about my commission. Today I discovered that the individual 's account on XXXX has been XXXX, and I'm not sure what to do to get my money back. Attached is proof of contacting this individual ( censored as it has adult content. I'm XXXX ), unfortunately the XXXX messages aren't shown since the individual 's account is blocked.