23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call back in XX/XX/XXXX, stating I owed funds. I do have a debt for the amount owed. So I didnt think anything of it other than trying to pay it off. I paid {$75.00} every XXXX weeks for XX/XX/XXXX to XX/XX/XXXX. They withdrawal funds and as I waited for my debt to be reported as paid off via my credit report I noticed XXXX almost 90 days it hadnt been reported. They said their website is XXXX and their phone number is ( XXXX ) XXXX. Supposedly the man said his ext. was # XXXX. They do not give you an option for an extension entry. 

I called and requested a paid off receipt and have yet to receive XXXX. When I called back no answer. After repeated called I get a business recording. My bank will not give me back any money as its been over 90 days per XXXX. I feel like such an XXXX over this as the debt is still on my credit report.
Product: Credit card

Asked for them to correct issue with the incorrect payment report and their response was very spiteful, they lowered my available credit for pointing put a mistake with their phone payment system can provide proof of years of same limit, them when I complained magically thir retort was lower my limit. This is abuse of their power
Product: Credit reporting or other personal consumer reports

I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit karma account has been fraudulently accessed by identity thief. There is no way for me to restore my access to credit karma despite numerous attempts due to hacker changing profile. Credit Karma has no phone number. I have filed emails to customer service everyday for 20 days and the hacker is still in my account. This all has occurred during XX/XX/XXXX This is critical to my financial well being due to the fact that the hacker is seeing all my accounts, and has hacked into ALL MY ACCOUNTS over and over I have had to close several accounts and I have had to change my bank account 5 times in 20 days. I can no longer transact anything online. STILL the hacker finds my accounts because they are in my Credit Karma. Credit Karma should not be allowed to operate since there is NO PHONE NUMBER and they do not call back when you follow the correct channels. Hacker hacked that email I was using with Credit Karma so the hacker is probably receiving EVEN MORE INFORMATION by getting any responses by Credit Karma. It is vital Credit Karma is shut down since there is no way to contact them.
Product: Credit card or prepaid card

This is the second time that this creditor, Synchrony Bank, has erroneously closed my account that it 's in good standing. A credit increase was granted and there were no issues for many months. Then, I received notice that the limit was decreased and subsequently without any notice, the account was closed within a couple of weeks. I called to inquire and once again, I was told that I called to cancel the account in XXXX of XXXX due to fraud. Interestingly enough, I was able to use the card in XXXX of XXXX. I never called with such requests and their representative, just like last time, insisted that someone called and verified all my credentials to close the account according to their records. They had the audacity to state that they verified that it was from my cell phone, the number on file, that they received such call. I informed that that I could provide them with a detailed call log that would prove otherwise. I informed them that this has happened before and requested to speak to a supervisor. This individual was able to confirm my suspicions. It was happening all over again. I 'm currently disputing two ( 2 ) fraudulent accounts on my credit report which have nothing to do with the others that are in good standing. For some reason, when the creditor receives this notice, which is not an account being disputed, they fail to properly conduct an investigation or confirm that the account is legitimately mine. I 've had this account for years now and I would like it to be restored to the last credit limit, the awards earned re-instated and a replacement card overnight to my address on file. I can not believe that a company behaves in such manner especially when payments are being made on the account. Do they think that a fraudulent account will be getting paid over the years? I wish that they would take better steps to verify the account prior to closing it without reason. If every time I dispute an account or an item on my credit report that has taken years to be resolved they close the account, they 're not doing good business practices. I understand that they have to protect themselves, but the consumers who keep them in business should also be protected. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.
Product: Checking or savings account

Fifth Third Bank, XXXX XXXX  XXXX XXXX, XXXX, Michigan XXXX. I as a new customer to the bank visited this branch to open a new checking account. Fifth Third is now offering a {$250.00} promotion bonus new account  opening with terms and conditions with a qualifying account. I did all the research on available accounts to choose. On Wednesday, XX/XX/2020 I went opened an account named Free Checking that has no minimum balance requirement. Its the best one for me to choose to avoid any fees. I spoke with a Rep, her name is XXXX XXXX XXXX to open the new account. I made it very clear to her, I wanted the Free Checking account. And not the one called Essential Checking which has minimum balance requirement and monthly fees. She assured me that I was set up with the Free Checking account. This was not the case, she lied and as I was sitting at her desk. She purposely opened the account named Essential Checking without my acknowledgement and authorization. Receiving an email from 5/3 corp telling my new account Essential Checking is opened. I showed her the email on my phone. And she said its worded wrong and don't worry about it. I was told from her I was all set, and she did not give me any documentation of the new account I have. She purposely lied and gave me a account I did not want. I drove to another branch in XXXX, Michigan and asked the manager what exactly account do I have. I was told the Essential Checking. Furious I was of the corrupt behavior that I was lied to. The manager there closed my account.
Product: Student loan

XX/XX/XXXX : I was contacted by Navient that I was eligible to have my school loans with XXXX XXXX XXXX XXXX XXXX University discharged as a result of school closure. The letter ( see Attachment 1 ) provided an attachment application for the loan discharge and directions to follow.

XX/XX/XXXX: I was contacted by Navient ( see Attachment 2 ) that my application had been approved. The letter stated that my obligations to repay a total of 6 loans were fulfilled and the loans were discharged.

XX/XX/XXXX : Per my request, my additional remaining Direct Loans serviced by Navient totaling {$80000.00} were then consolidated with XXXX XXXX for a lower interest rate.XX/XX/XXXX : I received a letter from Navient that 11 loans had been paid in full -- rendering my account balance at {$0.00}.

XX/XX/XXXX: I received a series of emails from Navient notifying me of new correspondence in my Navient inbox when I log in ( see Attachments 3-8 ). Upon logging in to my account, my account balance with Navient was listed at {$57000.00} ( a capitalized interest of {$8000.00} ) with the first payment of {$660.00} due on XX/XX/XXXX. Refer to Attachment 9. The balance reflected were the loans I had previously had discharged on XX/XX/XXXX. Additionally, one correspondence stated that the 6 loans I had previous had discharged have been successfully enrolled in AutoPay. This request was not authorized by me. Also, the checking account connected to the AutoPay debit was an old account that I have previously closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX XXXX/XXXX   XX/XX/XXXX - company unresponsive XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX   XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit XXXX  XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX   XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX/XXXX XX/XX/XXXX - never heard of the company - did not authorize
Product: Credit reporting or other personal consumer reports

Inquiries not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX Date Opened ( XX/XX/XXXX ) XXXX XXXX XXXX Date Opened ( XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX
Product: Checking or savings account

I recently tried to buy a vehicle, my credit application was submitted to Wells Fargo and they turned me down for financing, afterwards, I received two emails from them saying that accounts were opened in my name at their bank. I called in and they said they would " look into it '' and I still have yet to hear anything back. I am thinking they are back to their old ways and making accounts for people without their permission. If this is the case, I would like to file litigation against them for improper use of my identity and my personal information. XX/XX/21 is when this all happened.
Product: Money transfers

I am writing to you concerning the fraud float activity by the company Pay Pal. The account in question involves attempting to transfer funds from the Pal Pay Account XXXX to the confirmed bank account XXXX . On XX/XX/2017 I attempted to transfer a total of {$870.00} in funds to the confirmed bank account. Only {$1.00} was transferred although Pay Pal removed all {$870.00} out of the Pay Pal account. The company is illegality floating on these missing funds and I suspect tens of thousands of other consumers and they need to be fined. I demand {$870.00} in funds be credit immediately to the confirmed bank account or returned to the pay pal account. If this does not occur within 5 days of this letter I further demand an additional {$870.00} in delayed processing damages. 


Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} completed transfer XX/XX/XXXX Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} missing Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} missing Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$870.00} missing Total transfer {$1.00} Total missing funds {$870.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that I was in fact paid on time. Please find attached letter from XXXX XXXX XXXX of XXXX on my behalf informing XXXX and all concerned parties of the check being expressed mailed XX/XX/year> and then USPS mailed on XX/XX/year>, due to check originally be sent wrong XXXX address. The error was not mine. The consumer reporting agencies need to report all information with complete accuracy. This account is not currently late on payments and is paid off in full and closed. Ive attached a copy of my report to this complaint on the following dates ; XX/XX/year>. Im now requesting you investigate this account in update the payment to paid on time immediately. Thank you for your understanding and prompt action. 

I am now requesting proof of this current investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well and documentation that proves this account was late. If you can not provide me with this information in 15 days, update the account to PAID-IN-FULL/NOT CURRENTLY LATE/CLOSED, and send me a copy of my updated credit report. 

FAIR RESOLUTION Update the account to NOT LATE/PAID OFF or remove it from my Consumer Report. 

Here is the account I am asking to be verified for accuracy : Account Name : XXXX, Account Number : XXXX XXXX, Credit Bureau : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Credit Bureau : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX, Credit Bureau XXXX TransUnion XXXX
Product: Debt collection

Attempt to verify a debt. I became very sick and was unable to communicate with XXXX. Upon catching up with emails I see that the XXXX XXXX became aggravated and sent my account to collections & was very rude about it. Ive since contacted Transworld systems XXXX/XXXXXXXX and to date havent received any reply back regarding this debt. Its been months and I contacted XXXX months before and they strong arm me and send me to collections. I thought things were okay XXXX  I saw my credit score go up and trans world systems was removed and I get alerts now my score has decreased and this debt is back. I sent letter via USPS
Product: Credit reporting, credit repair services, or other personal consumer reports

Company issued a CC without any valid form of payment ( online logins, instructions, or call-backs over promised ). On day of attainment, I got approved but was not instructed or contacted to actually activate payment method, or online login ( little did I know ). I asked the lady as I got approved, and she mentioned I would be contacted by them for further instructions ( XXXX branch )!!! I have always paid on time, and its the only ding I have on my credit. 

I used to have a 700+ and it's dropped significantly now ; my only intention on ATTAINING this card was to build credit! I have been up-to-date and will continue to do so, but this was after ME going into the store next to my apartment to ask for valid form of payment, furthermore the RECEIVING of my actual card. I am a XXXX yr old XXXX, and my credit is very important to my business in and out of the office. 

The lack of communication, execution, and customer service is the result of this claim, nothing less or more. I use my SAKS card once in a while, but always make sure it is paid off now that I know what to use as login/have attained card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( CXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, BXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter from XXXX XXXX as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX ending in XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.
Product: Debt collection

Hi. I had an identity theft on a Bank of America credit card. It was reported to them and they investigated. I received a letter in the mail saying I was not responsible for this debt and Bank of America would notify the credit bureaus. They also dont need a new card with a new credit card number obviously. Now, a few months later they are calling me saying I owe the debt and its back reporting on my credit reports. What is wrong with Bank of America and why do they use these sleazy illegal tactics. This needs to be removed
Product: Credit reporting or other personal consumer reports

A third-party company approved services of a loan agreement. I never used the services. A hotel company that paid partner with affirm. The company confirmed, both companies, that I was clear and owe nothing. I was charged {$14.00} cents that I did not know about, I was told that I was responsible for the amount left behind, reminder- I never had services with this company Affirm and they unethically and fraudulently reported this on my credit for more than 60 days as a late XXXX balance. I am unable to purchase a home due to this error that they are not correcting, I called schedule a call with the Credit Bureau, XXXX XXXX, you and affirm and myself today XX/XX/XXXX  to clear the allegation of the false report. The company confirm i did not have services and nothing was late, but they still reported it on my credit that needs to be removed. 

provide reference ID # XXXX for the conference call with myself and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a letter to the XXXX Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Need a copy of the 1099c with Capital one bank usa. 

Creditor Capital one bank usa Issue Shows its a profit and loss write off but did not receive a 1099c. Should not be on credit report.
Product: Checking or savings account

USAA has misrepresented balance and chraged a NSF from account. NSF serves no purpose and no action was taken from USAA, meaning this fee is a means to extort money from veterans and service members for no service rendered. I had a charge for {$30.00} on XX/XX/XXXX the balance at XXXX reflected more than the charge but a NSF was refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. XXXX and Transunion both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score Transunion falsely stated that I had insufficient length of credit history. XXXX falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. XXXX just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called Transunion and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from Transunion. I read out loud the credit score notice to him and he again denied that Transunion gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days  for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX XXXX fined XXXX and Transunion XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with TransUnion, XXXX and XXXX and requested they cancel my order and decided to file a complaint with CFPB. 
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.
Product: Debt collection

They call often, using various numbers, even local numbers, making me think it 's school ( XXXX young children ) or work related. They never call using XXXX or XXXX number or company name on caller ID. They wont respond, or talk to me, they keep reading 'script '