23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened an account for a credit card with Bank of America in early XXXXXXXX XXXX XXXXXXXX. I received a mailed invitation that I was pre-qualified and to apply for one in the mail. The offer included an option to transfer existing credit card balances for 0 % interest rate until XXXX. I applied and included amount I wished to transfer ; I was approved. I received the card within a couple weeks and went to activate and was prompted to call in due to fraud concern, I immediately called and was cleared for activation and use. I downloaded the application on my phone and within a few days, I received another fraud alert and called in to clear this up. I was advised I was all set. I made a XXXX payment and when I tried to use the card in late XXXX, it was declined. I received a notice by mail XX/XX/XXXX that my card had been cancelled. My credit score was impacted, and I was not allowed to make payment on the balance that was transferred. I called the company on XX/XX/XXXX and was advised they cleared me for payment, but I would have to reapply for a new card. My credit score is lower because of this, and I do not want to do this. They said there is nothing they can do. I filed a complained and demanded this be investigated as I have done nothing wrong. I have not made any purchases and have made payment on time. I believe this to be a tactic with this bank to lure business in to get the transfer fee. The rep, XXXX told me that this happens to a lot of people. I simply want my original card reactivated, be allowed to pay off the debt and have my credit score restored to what it was previously. This is a deceitful business practice and predatory. The company must review their fraud processes and business systems. Their XXXX page has a multitude of complaints and I wish I would have been a smarter consumer and reviewed this. I would never have applied for this card had I known the consistent issues that I would be facing when dealing with this company. I am also unable to view any documents or history in my app.
Product: Checking or savings account

Im filing a complaint against NAVY Federal Credit Union regarding multiple overdraft fees that were charged to my account. Despite having sufficient funds when some of my transactions were authorized, I was charged fees due to the lagged posting of the authorized charges and or credits to my account. This issue correlates with the recent CFPB findings against NFCU for similar practices where transactions are settled with insufficient balances despite the funds being initially available. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan

I received harassing phone calls at work and on my personal cell phone from a third party debt collector calling themselves " City Management Group. '' These people stated that I owed money for a payday loan from XXXX. This loan had already been paid off, but this third party debt collector was trying to get me to pay them for the debt again. My attorney sent the company a letter showing the debt had been paid. Their phone number is XXXX
Product: Credit reporting or other personal consumer reports

Transunion has not allowed me to dispute incorrect information on my credit report as I will provide supporting details in the attached image. Have not been Able to login and the account is freezing while I try to update or dispute inaccurate information. 

Plese see attached for all explanations
Product: Debt collection

I had Auto Ins with USAA. I had my monthly payments charged to my USAA credit card, I paid my credit card each month. Last XXXX 2015 I had a double billing. Instead of approximately {$62.00} ( a normal single month ) it was for {$120.00}. I was told they had changed the way their billing was done and the double payment was for the months of XXXX and XXXX 2015. It was a one time double billing. I also have it in writing from XXXX of their Customer Servicer Reps. I paid this double billing on XXXX XXXX, 2015. I sold my car at the end of XXXX 2015 and notified USAA right away and cancelled my insurance. Thus ending any further payments. They continue to bill me for that last " XXXX '' month period. Claiming I never paid it. 

I have offered to send them the cancelled check, I have asked and told them to STOP calling me, they continue to call. No matter what I say to them, so matter how I explain it to them they just do n't get it. I paid them! I told them flat out I do not owe them anything and I will not pay them and to stop calling me. They continue to call me. 

I want this to stop, please! Enough is enough ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX, I thought my XXXX XXXX XXXX XXXX card was lost and called to cancel it. XXXX offered me the option of a temporary Lock which I agreed to. I then found the card but forgot to reinstate it until several months later. 
When I called back, they asked me for a passcode, but the code I had written down did not work. They were unwilling to verify my identity by text or other methods. 

On XX/XX/XXXX, I called and spoke with XXXX. On XX/XX/XXXX I called XXXX and spoke with XXXX and XXXX. The first person could not grant me access to talk about my account saying my passcode was invalid, the second verified me by text, admitted someone had impersonated me and changed my address and passcode. He changed them back to correct passcode and address. And agreed to send me out a new card. 

However, once the card arrived and I tried to validate it for use, XXXX said " already verified ''. I called XXXX and between the time they sent a new card, and I received it, someone else charged over {$1000.00} at XXXX, a place I normally do business at. Having worked in banking for 25 years, I knew immediately that this is internal fraud at XXXX, yet they refuse to admit it. I then closed all my accounts with XXXX, XXXX bank accounts business and personal, and XXXX credit cards business and personal. They agreed the charges were fraudulent and the account was not in dispute. 

However, all during XXXX of XXXX I have been getting alerts from XXXX and other companies saying my credit score is declining, so I looked at my credit reports, and of course it says I owe over {$1000.00} on this credit card. But today, XXXX says the account is indeed closed and no monies are in dispute. Yet they continue to tarnish my stellar credit history. I spoke to XXXX people today at XXXX and no one is able to help me by providing me with a letter or some proof for the credit agencies that this account is closed and not in dispute. 

I have had no issues with all my new accounts at XXXX XXXX XXXX, and realize that XXXX has major security flaws, and I would never ever trust them again.
Product: Debt collection

I sent letters asking for validation of debt, original contractual agreements between myself the consumer and the agency that is alleged to be owed XX/XX/year>, as I have never conducted business with any of these organizations ever that are appearing on my reports. No response was received and the debt continues to remain on all of my credit reports.
Product: Debt collection

I Have sent a letter and called CASHNET USA to Remove FALSE Inaccurate Credit Information that is being reported on my credit reports from XXXX XXXX XXXX  : Alleged acct number XXXX To whom it may concern : I have received a notice from XXXX XXXX XXXX for debt owed in the amount of {$3100.00}, which I am declaring completely fraudulent. I obtained a copy of my credit report and after reviewing the information, I noted that inaccuracies have been placed again on my credit report regarding CASHNET USA. I have NEVER had an account or heard of CASH NET USA. This information has been placed on my credit report now for the second time after initially being corrected. How was this verified and approved?, Where are my signatures, where was the money deposited or a check written to? 
Here are the factual items in which I am disputing : 1. This Debt is NOT and NEVER has been associated with me 2. I am reporting this a FRAUD 3.Re-insertion of fraudulent ; incorrect information, AFTER it was corrected when it was sent to a previous debt collector. 
I formally wrote notice to XXXX to correct my credit report and now I have to send the XXXX and XXXX. Please note that this inaccuracy has been reported twice. 
Following the conclusion of your investigation, please send me the results of the corrections via MAIL. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account numbeXXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 : I submitted a fraud alert on my credit file. 
XX/XX/2020 : Equifax sent a letter acknowledging the action, but my name was incorrect on the letter. 
XX/XX/2020 : I called Equifax to report the error. 

They did not provide me with information on who/when the name change took place. 
They require me to file a dispute and send a copy of my drivers license and SS card. I fail to understand why Equifax does not have any responsibility to verify the accuracy of a name change from a 3rd party. How/who changed it and with what authority? I have no interest in providing Equifax with any identity documentation as they have demonstrated many times that their security is inadequate. I do not wish them to have any information about me and I certainly do not trust them with identity documents.
Product: Credit card

I believe the account is invalid. 
AMSHER COLLECTION SERVICS INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.AMSHER COLLECTION SERV XXXX
Product: Credit reporting or other personal consumer reports

There is a collection ( XXXX ) account that is showing a past due account on my credit report for the wrong amount. According to the FCRA, all information reporting has to be accurate and collections account should not be reporting with past due balance. I have reported this several times with Experian. Each time they are responding back stating that the account has been verified as accurate with no supporting documents within only a few days of open dispute.
Product: Student loan

I completed 120 payments to fulfill my Public Service Loan Forgiveness Program this year. I received a letter on XX/XX/XXXX from XXXX XXXX that was consistent with previous letters and indicated that I had 2 remaining payments and that I would complete my 120th payment in XXXX. I then received another letter on XX/XX/XXXX, now indicating that I had 4 payments remaining and that my final payment would be in XXXX. I immediately called to dispute this as I noticed I was now being credited two payments less from XX/XX/XXXX through XX/XX/XXXX. Although I disagreed, I figured it was easier to pay two more payments than to have to go to my bank and pay to request the old statements. I did call however ask for a review. Then on XX/XX/XXXX, I received a letter indicating that I still owed 4 payments and now their was 1 more payment from XX/XX/XXXX to XX/XX/XXXX, but one less from XX/XX/XXXX to XX/XX/XXXX than the previous letter. I called again questioning further discrepancies and wanted an explanation. After a lot of rudeness and talking over me, a representative indicated that two of the payments weren't credited. Although I disagreed, I figured it was easier to pay two more payments than to have to go to my bank and pay to request the old statements. I asked for another review. After speaking with this rude rep, my problem got worse. I received a letter on XXXX now indicating that I owed an additional 34 payments and that I would not be done until XX/XX/XXXX. I went from 2 to 34 payments remaining in 2 months. I submitted my request for loan forgiveness and requested forbearance to give them time to review and correct so that I wouldn't have to keep paying in XXXX. I was denied quickly on XX/XX/XXXX. I was frustrated and upset and I spoke with XXXX on XX/XX/XXXX. She indicated that she was requesting a manual review and that it would take 60 days. She said I should follow up in XXXX. After not hearing anything I contacted XXXX on XXXX. He said he saw that problem was that my account was placed in Pre Pay Status. He said he entered a request to remove it would expedite a request to have a manual review. Again, this would take 30-60 days. After not hearing any news and receiving notice that my forbearance was over and payments would continue, I contacted XXXX on XX/XX/XXXX to follow up on the status. He said he would again request a manual review and that the Department of Treasury has to review the payments. He would not provide me a timeframe. Please assist me as my account has been severely mismanaged and I have not received good customer service and follow through from the loan servicing company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern I was looking through my credit report and seen a unauthorized account on my report I then call the company and reach out to XXXX, Equifax and XXXX. XXXX  and XXXX  has already removed this from Credit report. for some reason Equifax has not removed it yet nor has they respond to any of my dispute I feel like they are ignoring me I sent out a dispute letter on XX/XX/2021, XX/XX/2021 and a demand to comply on XX/XX/2021 and till this day I still have not got a response back from Equifax. I am looking to buy a house and this is slowing up my process I do not know what else to do I am hoping you guys can help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I never authorized the opening of this account nor did I authorize this account to be sold nor did I receive a 1099-C for charged-off account from XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX
Product: Debt collection

Ive received phone calls from a third party stating they are a location officer and that I need to contact XXXX. 

I called the company and was read a document stating they would be filing a lawsuit and they have nothing to do with location services. The company never disclosed they are a debt collector nor did they state theyre attempting to collect a debt. The company also never stated their full identity only called it national. 

I tried to speaking with both location services and national but was never given any information outside of we filing in XXXX XXXX. 

I asked on XX/XX/28 to receive a letter validating this and was denied stating I would receive that in a legal summon through the county.
Product: Payday loan, title loan, or personal loan

I constantly receive offers from Credit Karma stating I am approved for loans through their vendors/lenders. However, my credit score is always too low and I am always turned down and denied. This affects my credit score. Offers shouldn't continue to be sent if they know I dont actually qualify. It is a huge waste of time, causes my score to decrease, and can also be unsecured as much as I enter my social security number along with other personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, I recd a msg supposedly from XXXX, who I have never used or signed up for that they dectected unauthorized activity. they wanted me to use http : XXXX to contact them. I did not respond. 

On XX/XX/XXXX I recd another msg from pay-pal, same msg, same email address. 

Today, I recd a msg. from paypal.com same msg and telling me to take the steps requested. this address is XXXX. 

As I stated, I dont use paypal but the last four digits are part of my Social Security #/ I am sure this is another scam and haven't responded to it. 

I have also in the past reported false claims of the same nature supposedly from XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies.

Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.

However, to my dismay, these disputes have not been duly noted as required by law.

Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters asking to do a investigation on my account on XXXX. Accoording to the law there was not a proper investigation done on my account.
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 that I have privacy rights.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent or instructions.

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

The payments were never late.
Product: Vehicle loan or lease

Santander repossessed my vehicle, then a year later I was included in the lawsuit against Santander. Since they had already repossessed my vehicle and sold it I wasnt able to get it back, so instead I got a refund check from Santander. They were suppose to remove any balance left.vI have been constantly fighting with the them and XXXX with no response other than them increasing the amount of debt that they were sued to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my credit report that is erroneous and I feared that it may reflect a negative impact on my scores if they remain. I need these items to be removed or blocked : 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 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 Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.
Product: Credit card

I have held various American Express credit cards for well over 20 years. Part of that included a Gold card, a Platinum card, and now an Optima card. I always pay my bill on time and always pay more than the required amount. Twice, at least, I have applied for a credit line increase from XXXX to XXXX dollars and I get declined. It 's always for a different reason, but I 'm frustrated at trying to improve my credit report and American Express account - but nothing seems to help. Although I do n't have the financial standing I once did, I still deserve some courtesy and recognition that my account and the way I handle it is greatly improved. I 've never been late, never over the limit, and always pay more than the minimum. Can you help?