23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call and a letter from the XXXX XXXX XXXX, Letting me know that they were going to sue me on a payday loan. I took out this loan back in XX/XX/XXXX/XX/XX/XXXX, and they are claiming that I committed Fraud on them. This statement is not valid, but the main issues are, the debt is over the statute of limitations to collect in the state of Oklahoma, which is the state I took the loan out. XXXX threatens to take me to court, calls all the time and now are telling me that " my case has been noted with malicious intent to commit fraud. '' This company is harassing me, calling me all the time and they are just rude. I try to tell the customer service reps that it's out of the statute of limitation and they yell and call me a thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted an application for a loan however i called as soon as i had submitted the loan application for Toledo Finance in XXXX, Texas, to go ahead and disregard my application and to ensure that it will not show on my credit report. It has still gone through as a processed loan after i had advised them twice i did not want the application to be processed.
Product: Credit card or prepaid card

I applied for a Lowe 's Credit Card to use for a few home remodeling projects. I made my payments, always on time, and I opened an online account to monitor my account balance, purchases and payments. Just recently, I noticed that my payments were either being applied late or were not be applied at all. And this was after I had made payments at the place of purchase using a debit card. Because of these concerns, I cancelled my XXXX 's card. I can still access my XXXX 's account online, which has a link to the Synchrony Bank, where I believe the problem exists. I honestly believe that Synchrony Bank may be purposely trying to deceive customers by not being more transparent. My Synchrony account online, does not reflect a complete ledger of payments, purchases and balances on the same page. As a customer, I have to manipulate through several pages online in order to figure out which payments have been received, what purchases have been made, and what the current overall balance is on my account. Synchrony too, is deliberately waiting several days before applying my payments to my account and in doing so increases the amount of interest payments I am forced to make. Over the past two months I have made three separate payments to my account, but as of today, only one payment is reflected in my account balance. When I called Synchrony Bank recently to complain about their online ledger format, the operator told me that there was nothing she could do. Please understand that Synchrony Bank, which provides credit card services to XXXX, is not being transparent to XXXX customers and may be purposely deceptive in their business practices. I feel quite certain that all of my payments are not being applied by Synchrony Bank to my XXXX account and that Synchrony Bank is deliberately hiding all of my transaction history, based on their online ledger format which actively hides or confuses purchases, payments and account balances, which are deliberately kept on separate online pages and makes no sense to customers who are actively trying to monitor our accounts. It is bad enough that Synchrony Bank charges predatory interest rates, but their way of doing business is horrible, if not inherently dishonest. I have other online banking accounts, and their formats are easy to understand, where I have all the information I need, on XXXX page, to monitor my account, but Synchrony Bank is the only banking organization that is actively concealing account information and thus deceiving customers. 

Respectfully, XXXX XXXX XXXX XXXX, Missouri
Product: Mortgage

This is my second complaint about Wells Fargo, I am trying to do a loan modification for the past 2 years and I keep getting the run around I sent the paper work in a bunch of times, all I get in response is your missing something, than I 'll send that and they tell me I 'm missing something else, than I have to redue all the paperwork again because it expired, I send it in again and again your missing something this has been an ongoing thing and I have been really XXXX over this whole thing had to get XXXX family problems my partner of 13 yrs left because of this whole mess, I 'm falling apart here I want to keep my home and need some help fast before they forclose on my home, I got a email from you saying to call about my first complaint, I called today and the man could not help me with anything, said the wrong stuff was written down from someone there at cfpb wrote the wrong stuff down, he said he would call me back it 's been an hour now and I still have not heard back from him, I need to get this resolved BEFORE I loss my home so I can save it, while I 'm in the modification process I get a letter saying the XXXX with be handling my loan, I 'm trying to get a modification from Wells Fargo now I got ta deal with another company and get all new paper work, this stress is going to kill me and than it will be on Wells Fargo hands, so please can someone take care of this asap
Product: Debt collection

I am filing this complaint on behalf of myself, XXXX XXXX regarding a charge-off account with American Express XXXX account number XXXX. The company has inaccurately reported this charge-off on the credit report, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ) by failing to ensure accurate and complete information. Despite disputing this charge-off, American Express has continued to report incorrect details without conducting a reasonable investigation, as mandated by law. 

Additionally, American Express has violated the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) by using misleading representations in connection with this charge-off. They have also failed to properly verify the debt as required under 15 U.S. Code 1692g ( b ). 

I am requesting the immediate deletion of this charge-off account from XXXX XXXX XXXX XXXX MY ) credit report.
Product: Credit card or prepaid card

Around XX/XX/2023 I noticed that my card was charged multiple times without my knowledge or authorization. I spoke with the fraud department and let them know that my card was stolen and that I did not make the transactions on the account. A couple of the transactions were done out of the Country which I had not traveled out the country. The rep told me that they would credit my account and do their investigation. A few weeks later I received a letter stating that they did not find any errors and reversed the credit. On XX/XX/XXXX I called Navy federal and spoke with a different rep and she told me that I could put in for a 2nd review which I did. I asked them in my digital message to send me what they actually did for their review and that I am not liable for any charges that I did not do so I don't understand why they reversed the credit. A week later they reversed the credit again and now are saying that I am liable for all the charges. This is for my business credit card with Navy Federal credit union. I've been a customer with Navy for years and never had an issue. Total amount of charges {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted Equifax Credit Bureau by phone and mail. I was told by Equifax that credit inquiries are FACTUAL, I don't ' know what that means and when asking the Equifax representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX-Date of Inquiry XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

The account looks like it was re-aged. The date opened was XXXX/XXXX/XXXX but the date of delinquency is XXXX. How was this account late before it was even opened? The date it was reported was XXXX and the first major delinquency was XXXX and if you look at the payment history there is no late payments. I would like this account removed from my report. I disputed with XXXX  but they never got back to me they just put a consumer disputes remark on the account with no explanation if and how they verified the accuracy. I dont see how the information is accurate when the account wasnt opened until XXXX yet was late XXXX before the account was even opened. Please remove account from my report.
Product: Debt collection

I had received a letter from XXXX  XXXX  XXXX  regarding a credit/ debit bank account that was supposedly opened under my previous name XXXX XXXX XXXX from a bank in Nevada which I in fact NEVER had opened. I called the bank explaining the collection letter I received, they had searched high and low using my social security number my married name and my maiden name all which could not be found anywhere in their system..what I was told was to contact the fraud.gov and explain my situation and how these letters are trying to impersonate a company by saying they had an account when In Fact no such account has been opened and they are asking for the customers to repay the banks back giving discounts if we could pay back the money by a certain date.. I have not not will I pay anything to these scammers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX formerly XXXX using account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Debt collection

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please look into this I have no other items but this on my credit and its stoping me from starting a business.
Product: Credit card or prepaid card

I filed a complaint about this on XX/XX/2022. Complaint id is/was XXXX. The complaint was about Venmo and XXXX credit card. I contacted both companies on several occasions about being charged a cash advance fee and interest on Venmo charges. XXXX said it was Venmo, Venmo said it was XXXX. You only contacted XXXX about this. They responded that it was Venmo. So now I have to resubmit this thing so you'll go after Venmo. I have attached the response from XXXX. I am XXXX XXXX XXXX XXXX about this issue and ask that you please find out who's doing this.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )
Product: Checking or savings account

I opened an account with XXXX dollars with first national bank of pennsylvania. After 1 day my online access was cut off due to me living outside of their traditional service territory. I called their customer service 3 times and the first 2 times i was told an online rep would call and reach out to me which never happened either time. Afterward, i tried to close the account out and they told me I have to do it in person. I live XXXX miles away and can not go into a branch and they wont do anything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a loan with this company. I monitor my scores on all levels with all 3 agencies because there are lots of weird issues that I have and have tried disputing which companies don't seem to care about the law. I went to refinance this loan and they denied me stating I had an XXXX score of XXXX, which I have never had and I kindly said you must have a mistake. I called XXXX 5 mins later requested my report from them, asked if my score was indeed that low and they said no. The company states they use the vantage 3 scoring model which I can see is and was at XXXX that day. I requested to that companies cooperate number and I notified the customer relations department. I was contacted by a member and she said it was shown as XXXX however weirdly enough thats not the score she sees in her system, and not what shown now. she told me to call the branch I had requested the loan again. I was told by XXXX employee my score was not XXXX that there is no way they would show that if they were simply using the information provided by XXXX XXXX The store assured me they dont use any scorring models of their own, simply XXXX information. XXXX told me to have them run my credit again which they did and another inquirie on my report and they have a score again well below my score. Denied for the loan I dispute the score, I requested a copy of the report they used to make the determination which they denied. There own website has a check your credit score tab which also showed my score to be almost XXXX and they still would not listen to me or provide me any fair information that shows me how they can deny me with a score that wasnt mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/1989 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, AR XXXX Resident type Single family XXXX XXXX XXXX XXXX, TN XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX TN XXXX Resident type Single family
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a month ago I attempted to obtain my free annual credit report from Equifax online at " XXXX '' as I've done several years in the past. I've never encountered any problems before with Equifax, XXXX or XXXX XXXX. However, this time Equifax refused to provide my online report. I was then instructed to answer another battery of questions over the phone, which I did. I was told my report would be mailed to me. It hasn't, and it's been over a month. 
I attempted to contact Equifax by phone using the only two numbers listed on my previous 2016 Equifax report. Both numbers resulted in a recording requesting that I press # 1 for this and # 2 for that. Nothing that I could do would connect me with a human being. 
Why is it that Equifax freely provides hackers all of my personal financial information yet prevents me from procuring that same record? I would like a copy of my free annual credit report from Equifax. Can you please assist me? 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received a letter from TRANSUNION advising that they " verified '' the information. i am curious as to how you verified information and would like to receive physical documentation to support this erroneous information. 
TRANSUNION has been reporting Unverified and inaccurate information on my credit report which has damaged my credit. 
TRANSUNION is " updating '' or " verifying '' information again without diligence information. i sent 6 round letters still Hasn't seeing any changes while there's multiple errors on my report am asking for this verification because my credit score is important to me and i believe it is being unjustly degraded as a result of unfortunate error.
Product: Credit card

ATT universal card through Citi, XXXX XXXX, 2015 some with XXXX, Account Manager in the Maryland office, XXXX. She was to provide my account number via email within 24-48 hours, XXXX told me she did not have a telephone extension tgat if I called back they would send her a message to reach her. XXXX XXXX, 2015 I had not received the information. I called back spoke with XXXX, XXXX, she said XXXX was in and that she reached out to XXXX. XXXX stated that XXXX was assisting another customer and would call me. I provided my telephone number XXXX times to XXXX. XXXX XXXX information still not received and XXXX did not call me back. I called again spoke with XXXX, XXXX, I asked for someone above XXXX and was placed on hold. I was told that I could speak with XXXX another Account Manager. I said no that I wanted someone above XXXX 's level and I was told that is the hugest level in customer service. I told her I did not believe tgat XXXX is the highest level. I was told she is the highest level and for me to write Citi about it. 
It is eight days since XXXX told me my account number would be provided to me by email within 24-48 hours.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family.

I attach my previous credit report and my new credit report to show how Experian violated my rights.

According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system