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

On XX/XX/2020 I realized I had not received nor paid a credit card invoice for the previous month. I contacted XXXX XXXX XXXX   which has the XXXX Mastercard I've had for 30 years. Explained that I had not received any invoice by mail as normal but that I had managed to go online and download the invoice and was sending payment that day. This has happened maybe 2 or 3 other times over the THIRTY YEARS I've had this account. They thanked me for calling in. The next day I went to get gas and my card was declined. So I came home and called XXXX XXXX XXXX again. This would be on XX/XX/2020. I was told that the card was automatically cut off because I had not paid the previous month 's bill. Needless to say that as a 30 year customer with a credit score of right at XXXX who has faithfully paid my balance in full month after month for 30 years, I was a bit unhappy. I instructed them to close the account immediately. The lady wanted to read me a long disclaimer. I declined and told her that I wasn't interested in their disclaimer. I simply wanted my account closed and hung up. 

Today I went online and noticed that XXXX XXXX XXXX was still allowing merchants with my card on file to run recurring charges through on my account. One or two had not been contacted by me. All the others had been and provided the new card information. 

So I called XXXX back and again instructed them to close the account today, XX/XX/2020. I first spoke to XXXX who provided me a reference number for my call of XXXX. When I asked why my account hadn't been closed before she put me on hold and a supervisor named XXXX came on the line. She said they would not close my account until I listened to their disclaimers. She said I was required to do so by law. I told her I seriously doubted the law required ME to listen to their disclaimers. If the law did require anything, it required them to deliver the disclaimers. XXXX then asked me if I had my credit card agreement. I don't normally keep them as they change them at will and it isn't like it is a negotiation, is it? It is totally one-sided to protect them. She said she would have one mailed to me. I asked it that contained the required disclaimer I was requesting in writing. She danced around the issue and would never answer whether it had the disclaimer or not. She said once I got the card agreement I could read it and call back in to have my account closed. I told her I would not do that. I had called twice to request the account be closed.
Product: Debt collection

There was a claim filed on behalf of my deceased mother 's estate in the amount of {$91000.00} for XXXX  XXXX recovery program, I submitted a undue hardship waiver due to the fact myself XXXX XXXX nephew are currently living in the home
Product: Credit reporting or other personal consumer reports

In early XXXX, I made a {$1000.00} balance transfer from one credit card to another, resulting in a net {$0.00} change, but on all three credit bureau reports, my score dropped by XXXX points. I have never seen an increase or decrease by such a huge amount for any change in my credit use, and in this case, my credit use didn't change since I was decreasing the use of credit on one card by {$1000.00} and increasing my credit use on another card by {$1000.00}. The credit bureaus have no mechanism to dispute or even submit an inquiry about credit scores online or by phone, because " they are not a component of your credit reports but are, instead, numbers generated by the credit scoring models based on the information as it appears in your credit report at the moment it is requested. '' How is it possible that a net {$0.00} change in credit use can result in a XXXX point decrease from which there appears to be no way to recover those points? I have never seen fluctuations in my credit score that were bigger than XXXX points one way or the other. 

Also, if there is transparency about credit scoring that would help me understand my situation, where is it disclosed and why is it so difficult to find it? When you call the credit reporting agencies, there is no way to talk to someone. You're simply referred to the website, where there is no way to submit an inquiry or dispute regarding scoring issues.
Product: Credit reporting or other personal consumer reports

I am reaching out to express my serious concern about the security of my personal information. I have noticed inaccurate items and details on my credit report that do not pertain to me, and I am very troubled by the potential risk of unauthorized access this poses.
Product: Debt collection

On my credit report it shows that Cavalry Portfolio Svcs is a collection agency/attorney that purchased the credit card I had with XXXX XXXX XXXX. They state on the credit report that I made a payment on XX/XX/2014. I did not make a payment on XX/XX/2014. I believe they made the payment so that they could " reset '' the clock on this. I was behind in my mortgage and barely had enough to pay my current living expenses I most certainly would not have made a payment on a card that I would not be able to use. I want proof that I paid that. I know that I did n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I have noticed that these accounts & inquiries are still reporting on my file after I have been disputed & waited for a response after 45 days .you are still going against the law and I have rights.
Product: Debt collection

I filed BK and this collection agency did not show up to the creditor meeting to contest the collection. They have just reported this open again in XXXX. They should not be reporting any status since this was included in the BK filing.They listed remarks as the BK but that they are disputing the claim.
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. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I bought a gift card online for {$75.00} and was given instructions on how to redeem it using an app called XXXX on XX/XX/19 and never received it. I contacted the seller and no answer and contacted my bank ( Wells Fargo ) to dispute and told them I never received the item and paid it using XXXX XXXX they told me it was a valid transaction and closed the dispute. I contacted the bank and they gave me an email to reach out to see about a reconsideration of the result of the dispute. That email responded they don't handle these matters over email and then reverted me back to the Dept I contacted in the first place. Definitely reconsidering banking with them anymore.
Product: Credit card or prepaid card

A month ago, I noticed my amount owed for a credit card for Citi Mastercard went from about $ XXXX/month to {$1300.00}. It was debited out of my account and could not be reversed. They said it was because I went over. However, I NEVER opted it to allow charges to be allowed through if over limit. I reiterated to them at that time I want ALL charges declined if I go over the limit. 

Now, this week, I get a notice that I owe {$800.00}. I have called them several times on this. My only option is to simply put the card in a drawer and just wait to pay off the balance. 

My frustration is that they are not allowing me my legal right for transactions over limit to be declined. When I talk to them, they apologize, and it's supposed to be fixed. But again, it never is. 

If they are doing this to me? Who else are they doing this too. 

Credit Card Details : Citi XXXX XXXX AAdvantage Platinum Select
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing XXXX XXXX  loans on my credit report by XXXX I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.
Product: Credit card or prepaid card

I lost my bank of America credit card and two transactions had been made : XXXX XXXX, XXXX XXXX CA for {$1300.00} And XXXX XXXX XXXX XXXX XXXX CA for {$2400.00}. I called the credit card and report the froud the have denied the claim three times.
Product: Debt collection

XXXX. XXXX XXXX XXXX, XXXX XXXX , wrote me a {$200.00} check ( # XXXX ) for food and utilities. 
XXXX. The Check ( # XXXX ) was written against a XXXX XXXX XXXX account. 
XXXX. XX/XX/2023, I cashed the Check at ACE Check Cashing XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX. XXXX, Ace cashed the check for a fee of {$21.00}. 
XXXX. XXXX, Ace Check Cashing notified me that Check # XXXX was returned for NSF ( non-sufficient funds ). 
XXXX. XXXX, I told ACE to redeposit the check for payment and they refused. The asked me to repay the {$200.00} at one of their store locations. I refused because I knew that they would redeposit the check. I did not want to overpay them. 
XXXX. XXXX, I was notified by my brother, XXXX XXXX, that Check # XXXX was redeposited by Ace Check Cashing. It cleared his checking account on XXXX. 
XXXX. XXXX, I was contacted by XXXX XXXX at XXXX XXXX XXXX, XXXX. She informed me that they purchased my debt from Ace Check Cashing. 
XXXX. XXXX, I informed XXXX XXXX that the debt was PAID IN FULL, as Ace Check Cashing redeposited check # XXXX which cleared on XXXX. 
XXXX. My XXXX, XXXX XXXX, provided XXXX XXXX with proof that the check # XXXX cleared his account on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on  XXXX / XXXX / 2017  review credit report #  XXXX , discover numerous disputable accounts, went to http : //trasunion.com/disputeonline and was refused the ability to dispute, attempted their suggested process 3 times.     I have mailed them a certified validation letter regarding the specifically disputed accounts and inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information to Equifax and they still have not removed these items, These accounts were opened with out my knowledge I made a police report with my local police department and they have still not deleted these accounts for XXXX  XXXX XXXX :XXXX XXXX XXXX XXXX :XXXX
Product: Credit reporting or other personal consumer reports

This serves as my official follow-up regarding the unauthorized and inaccurate entries on my credit report. These items were reported without my consent, knowledge, or authorization, which is completely unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I have the legal right to have these disputed items removed within four business days. As my initial request has not been properly addressed, I now demand the immediate and permanent deletion of the following unjustified entries from my credit file : 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.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting ( 4 ) duplicate entries on the XXXX XXXX XXXX - account number XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 4, 5, 6, and 7 of the attached credit report. ) These multiple entries are for the same amount of {$100.00} ; reporting the same start date and the same reporting date. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items, however I have not been successful.
Product: Credit reporting

I have written the credit reporting agenecies Transunion and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX MANAGEMENT that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX XXXX and Transunion ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.
Product: Consumer Loan

My account with Omni has never been late. I have always paid this account on time and never late. For some reason Omni has chosen to report this account as charged off after I have paid this account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off two private loan balances in settlement. Still being reported as a past due balance to the credit beaures. I paid this off in XXXX of 2020. When I call, all they tell me is to write a letter To their credit reporting department and that they dont take calls.
Product: Payday loan, title loan, or personal loan

The contract I signed to borrow {$1200.00} says that if I make my payments as scheduled, I will have paid {$1400.00}. That is {$1200.00} + interest of {$25.00} + fees of {$170.00}. 
I have made 3 payments of {$220.00} on XX/XX/18, {$200.00} on XX/XX/18, & XXXX on XX/XX/18. 
They say I still owe {$1300.00}. {$1400.00} - ( {$200.00} + {$220.00} + {$280.00} ) = {$1400.00} - {$700.00} = {$750.00}. That is what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked credit report and discovered XXXX, XXXX and Equifax were all reporting several fraudulent items. i have attachments supporting these items be removed and blocked per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON
Product: Debt collection

Not long ago this company placed a charge off on my credit reports. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XXXX/XXXX/XXXX requesting validation ( please see attached ) and they responded in a letter stating that they did n't have enough information to investigate my dispute ( please see attached ). My 3 page letter to them was very, very clear. They are just stalling. It 's as if they did n't read my letter. The fact is, I have never had an account with this company. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a XXXX citizen, 2 ) I am a veteran of our military, 3 ) I am a lXXXX XXXX XXXX and lastly XXXX ) They will NOT get away with this. They have chosen the wrong one to play games with.
Product: Credit reporting or other personal consumer reports

I would like to request a review and update all my credit reports in accordance with the information reported by Experian, XXXX, and XXXX. As of XX/XX/year>, XXXX have reported that i have no late payments on my account. I kindly ask that you update my credit report to reflect this accurate information, as it should align with the reporting provided by the above-mentioned agency. Please ensure that my credit file accurately reflects that I have not had any late payments and update it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first time home owners loan was denied, on the premis of already having a loan. my credit report shows that i opened a first time housing loan in XX/XX/1995. The loan is with Bank of america, N.A XXXX in the amount of XXXX . I was XXXX years old at the time and beilieve the information was added to my account in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  On XX/XX/2019my credit score was XXXX On XX/XX/2019 my credit score is XXXX thats 117 points negative. 
When I called XXXX  I made no progress the language barrier is so bad its impossible to get a word in edgewise and the nonstop transfer from one person to another the last call to XXXX  I was transferred 5 times answer security questions my name, etc. Furthermore, they cant explain the huge drop in credit score. I am a victim of identity theft whats the purpose of XXXX  if they have the authority to make such destructive change to my credit report without alerting me. I was under the impression credit reporting agencies are held to stricter rules and protection and peace of mind. There is no consumer protraction act here rather some non-English speaking none head can make my life XXXX. I work very hard to have excellent credit to only have it butchered by the very institution who claims security is the # 1 concern. As of today my credit score is in the low 600 range. Please investigate ... ..some type of law or protection needs to be in place so fools like XXXX  cant rap my credit. 
Moreover, I sold my home over a year ago what do I have to do to change this and have the sale reflect on my credit report?
Product: Credit reporting or other personal consumer reports

I contacted XXXX Credit Agency informing them that I have fraudulent activities on my credit report. I sent letters in XXXX with the same information. When i pulled my credit report today, I still see these said items. On XXXX XXXX XXXX XXXX, my credit was pulled by XXXX  XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX also XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I did not authorize any one from these said businesses to run my credit, 15 USC 1681 states if the consumer makes the company aware that it was fraudulent activities being performed. They have 30 days to investigate and remove these items. Like I said earlier that I have been sending letters making calls and nothing is being done.
Product: Checking or savings account

On XX/XX/ I was robbed by 2 suspects that stole my ATM card, and the female was behind me close enough to get my PIN information. They then went on to different bank branches and stole a total of {$8000.00} from my accounts. 

The bank only returned {$3000.00} of the {$8000.00} that was stolen. 

I filed a police report with XXXX XXXXXXXX XXXX - Case : XXXX I have gone into the branch and spoke to the Vice President several times to open up claims, but have not had any resolution since XXXX. 

I went into the bank on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bank refuses to address my claim or return the stolen money back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to XXXX dated XX/XX/2018 asking them to verify the bankruptcy on my report from XX/XX/2018. I spoke to the clerk of the bankruptcy court and she advised me that their court did not report this information to XXXX  and that their court does not even have a subscription to report to ANY credit agency. I feel that XXXX is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The clerk also advised me that they do not verify this information directly and in addition, the clerk from the court explains that the courts do not verify or give out social security numbers to any THIRD PARTY companies. So if they did not report this information how did you? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate unverified information. This results in XXXX  using erroneous information including but not limited to falsely reporting information to my Credit Report. 

I have included a letter to that effect my original dispute letter. Thank you for your help.
Product: Mortgage

We have a home mortgage with NY Community Bank ( " NYCB '' ). On XX/XX/2022 NYCB acquired Flagstar Bank in a merger, and is now operating under the name Flagstar Bank and is now one of the top 25 regional banks by assets. Our mortgage was transferred by NYCB to Flagstar on XX/XX/2022 and we were charged a " Account Payoff - Release Fee ( Payoff ) Charge '' of {$36.00}. This was not a refinance, and we had no part in this transfer. 

I know its only {$36.00}, but charging a payoff fee for transferring our NYCB mortgage to NYCB 's wholly-owned subsidiary is self-dealing and seems fraudulent. I am concerned that the charge is being missed by all of the customers since there has been so much paperwork sent out. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX-XX/XX/XXXX of this year, an account from Ally Financial appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to Ally Financial to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. Ally Financial refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.
Product: Payday loan, title loan, or personal loan

I have a title loan with maximum title loan and I borrowed {$5000.00}. I have since made approx 2500 in payments and they have not deducted any of these from the balance. They also refuse to give me a break down of what Im paying, what the penalty fees are or a breakdown of my total amount owed. They wont provide me with any documentation from my loan and have never given me a copy of the signed contract. Theyve been charging me {$100.00} or more per day and I have no reason to believe I am in default or responsible for any late penalties at all.