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

Hi I have been paying my walmart credit card for the last 7 months. I have been paying it on time never late and the minimum balance or over. I recently was able to pay it in full and thats what I did. I went to check to make sure everything was ok but noticed my balance was low by like {$500.00} so I called them. They informed me they did a random evaluation on me the day after beening paid out and made this choice. But all of this only happened after they were paid out they then told me when my credit up dates then I can ask about a credit increase to my original limit. Oh and when i had to change my address the first time before I received the card they closed the account then opened another one under my name which is the one that is active now. They also tacked on a {$10.00} interest charge to it with know real reason I have never had one in the 7 months of having them. This is a first this has ever happened and it makes no sense my mother has had them for 2 years and has reached her limit multiple times and she has had no decrease to her credit line. But then again she has never paid them in full either.
Product: Debt collection

LVNV Funding / Resurgent XXXX never gave me written notice of collection efforts. They called but I told them this was not my debt and that I never had this account. They then proceeded to report the debt to credit bureaus without allowing me any verification of debt.
Product: Credit card

I received a notification in the mail from Citi Bank that my Macys American Express credit card was being enrolled in an optional credit protection program and that would be charged {$0.00} per {$100.00} on my account balance. I never opted or even asked to be enrolled in this service. This is now the second time Citi Bank has tried enrolling me in this program without my consent. When I tried calling the number to cancel the customer service representative told me that she could not unenroll me from this service that I had never consented to and that I would have to call a different number during that departments business hours. Not only would the customer service representative not unenroll me, but they could not tell me why I was enrolled in the first place. When I asked to speak with someone that could tell me and unenroll me, they said that wasnt possible. I said I would rather close my account than do business with a company that tries to cheat me shady business practices. I said I wanted to take the survey about my customer service experience and then the customer service representative hung up on me. I then received an email confirmation that my account was being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my credit score dove 100 plus points due to a collection being added. I placed a complaint with XX/XX/XXXX, the ONLY reporting agency to show this incorrect entry. It listed a balance as though they had not been paid for the past 3 months. The total claimed is {$330.00}. When asked what is this / who is this for she says XXXX XXXX XXXX. I said Ma'am This was taken off my other reports years ago. She states it was filled with another outfit in XX/XX/XXXX. I've had and have XXXX XXXX XXXX as my Cellular carrier now since XX/XX/XXXX. so 11 years and counting. This is bogus, all my bills are paid on time. All three reporting agencies show this. It's quite frustrating for these crooks to be allowed to do this I have 100 % repayment on time. No reason for me NOT to pay unless I never owned it. Please make them remove it once and for all. Please see the dates are made up ask for XXXX ack up for those dates, Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$24000.00} US DEPT ED XXXX {$1300.00} US DEPT ED XXXX {$2300.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX XXXX XXXX {$400.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.
Product: Mortgage

I have disputed the erroneous late payments that were reported by Nationstar/Mr. Cooper via the credit bureaus but they responded promptly stating the late payments were accurate. I have documents from my banks indicating payments were indeed drafted and within the 30-day period each month. I have forwarded documentation to the credit bureaus to verify the reporting is inaccurate but Nationstar/Mr. Cooper has not even attempted to review the data or consider the possibility they may have made errors. In fact all they did was change the month the late payment was posted in. Another concern I have is I was charged late fees almost every month of 2019 even though my payments were all posted within the 15-day grace allowed by XXXXationstar/Mr. Cooper. Three times in 2019 Nationstar/Mr. Cooper completely reversed payments on their system and removed the funds from my payment balance when in fact my bank has validated the payments were drafted successfully. If this matter is not resolved after this filing with CFPB I will proceed with filing with XXXX for possible transaction fraud.
Product: Payday loan, title loan, or personal loan

We had some expected medical expenses which caused me to miss a payment in XXXX. I sent them an email letting them know I would make the payment XX/XX/19 ... in the last week from XX/XX/19 to XX/XX/19 they have called my cell phone over 20 times and I have talked directly to someone 3 times in the last 24 hours. The last young lady I spoke with I asked her why they were still calling me when I had already spoken to twice to them in the last 24 hours ... she told me that their Auto Dialer will continue to call me until the payment is posted and there was nothing they could do. I believe that is in violation of the FCC and CFPB regarding robo calls and the NPRM regarding debt collections. I have repeatedly explained that there was no way for me to make up the missed payment, and based on my previous good payment history I asked that the loan be re-written/re-financed or allow me to skip a payment. They stated that there was no way to do that and had no alternative to offer.
Product: Credit card or prepaid card

Hello and Good Afternoon, I am reporting this to see a change how credit card companies/banks applied payments every month to their account holders. I have  Wells Fargo Ban k credit card for more than a decade. As per banks and  Consumer Finance Protection Bureau policy, the last c hange that was made to protect the consumers is applied payment to higher interest rate account.     I have purchases worth {$1600.00} on the the credit card with minimum amount of {$28.00} due this month. I am willing to make {$300.00} payment. I am not sure if I will be able to make payment next month toward the remaining balance. In order to secure next few months minimum payments, I would like {$300.00} applied to next 5 months. This way I will secure my minimum payment for next 5 months. Also, the in this process, my principal balance will be reduced immediately. If the bank/credit card company would allow this, then I will be saving late fees, insufficient fund fees etc.     I have called them to make payment arrangements for next several months ; however, credit card company 's policy would not allow this change. {$300.00} can be applied to principal balance and I would still responsible for minimum payment following months regardless of my financial resources. Also, if the payment is not made or return, there will be additional charges and fees. I hope to see this change to avoid late fees and other charges resulting me of financial help.     Sincerely,  Consumer Activist
Product: Debt collection

I have already notified Citibank and XXXX XXXX that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards. She is con artist / serial defrauder and I have had to file for divorce because of this. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.
Product: Student loan

My student loan " service '' provider is Nelnet. Due to financial difficulties I requested a lower rate for my student loan payments. I was told I was eligible but had to fill out a series of forms. I requested these forms be mailed to me, but they never came. I requested them again, but they still did not arrive. I called a third time and was told they could be e-mailed to me, so I requested that an emailed copy be sent. It arrived and filled it out as requested. After hearing nothing back, I called and was told that they never received it. 

I do not believe this is an accident. I believe they are deliberately having these issues for the sake of continuing to charge me the exorbitant rate they are charging.
Product: Money transfer, virtual currency, or money service

Somebody login my account and started sentient money to their self on my accounts Im a college student tryna pay for my tuitions and now I cnt cuz they took my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times to close the fraudulent credit account and remove all information from my report. I have submitted copies of my police report, FTC identity theft report, FBI IC3 form, and proof of identity. They have failed to provide any proof of who and where the account was opened. They claim my letters ( which are provided by the FTC for identity theft victims ) are on the behalf of a credit repair organization and therefore are not obligated to investigate. 

On XX/XX/2019 I received a package from XXXX. On the same day XXXX comes to pick it up claiming the sender had sent it by mistake. The following week I receive a welcome letter with XXXX XXXX. 
XX/XX/2019 I contact XXXX fraud department to initiate an investigation. I placed a fraud alert to the credit bureaus. 
XX/XX/2019 I have received no response from XXXX so I check my credit report to find that the fraudulent account is being reported. I initiate a dispute with credit bureau Experian. 
XX/XX/2019 I submitted a dispute letter to XXXX with an FTC report and police report. The dispute is closed at Experian as it states XXXX finds the information accurate ( my information was stolen and used so of course it would match ) XX/XX/2019 I submitted a dispute letter to XXXX XXXX account services which has a different address listed. I send a letter to Experian requesting to block the information from my credit report directed by section 605B of the Fair Credit Reporting Act. 
XX/XX/2019 XXXX responds claiming no suspicious activity XX/XX/2019 XXXX responds that they find my letter to be prepared by a credit repair organization ( which it is not as the FTC provides the letters to identity theft victims ) so they will not investigate. 
XX/XX/2019, I found that the fraudulent account now appears on XXXX  report so I send a letter requesting the information to be blocked from my account as directed by section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I recieved a notice that XXXX had pulled my credit report resulting in a hard inquiry. I immediately called in to alert them to the fact that it was a fraudulent inquiry and they agreed that the name and phone number on the application did not match my own. I asked them to remove it and they said that they would, but as of XX/XX/2018 there has been no change.
Product: Credit reporting or other personal consumer reports

I am looking to purchase a home. I recently pulled my credit report and noticed incorrect accounts and some that I did not know of. I sent Transunion a certified letter to dispute the inaccurate information I saw on my credit report. I asked Transunion to verify and validate the accounts as required under the FCRA. I did not receive any information that verified and validated the accounts. According to the 15 U.S.C. 1681 law, there should not be any damages on my report. It is a defamation of my character.
Product: Credit card or prepaid card

This is an addendum to CFPB complaint # XXXX. The Merchant, XXXX XXXX XXXX has acknowledged receipt of cardholder 's direct payment via postal money order to settle the disputed {$750.00} credit card charge. See attached email. However, Barclays bank refuses to cancel the {$750.00} credit card charge. Therefore the Merchant received {$1500.00} instead of {$750.00} which constitutes a double payment.
Product: Debt collection

On XX/XX/2021 we received a Collections Notice from XXXX XXXX XXXX XXXX XXXX  XXXX We are completely unfamiliar with the company and have never engaged in any business transactions with them. We have tried to contact the person listed in the letter since Monday without success. Today we sent the Collections Company an email notifying them of their mistake.
Product: Credit reporting or other personal consumer reports

Hello. I just checked my credit report and find out that there is some unauthorized fraudulent inquiries on my credit file.Please help me to remove those inquiries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Closed account XXXX XXXX XXXX XXXX XXXX {$620.00} Closed 5 charge-offs Account Info Hover over labels for more details Account number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to WELLS FARGO. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions.
Product: Payday loan, title loan, or personal loan

Received loan from One Main Financial on XX/XX/XXXX for air/heating system replacement. Paid off loan before end of 60 month contract on/about XX/XX/XXXX. Read of deceptive practices finding of company. Reviewed paperwork to discover that life insurance was charged with loan ... no company listed. Made approximately 10 payments before paying off early. Was not refunded for interest or insurance that was not advised of or explained. Was just given a payoff amount to submit. Did not want negatively affecting my credit so submitted as required. Requesting what is due to me ; insurance, interest, credit for payments made and all other charges that should have not been assessed.
Product: Credit card or prepaid card

On XX/XX/21 I dined at XXXX XXXX in XXXX, a local restaurant that I have been to o a number of occasions ( as documented on my Discover charge history ) and that boasts of being the best restaurant in XXXX. On XX/XX/21 just 2.5 hours after dining at XXXX, I started XXXX  XXXX  incessantly into the morning hours requiring hospital treatment -IV fluids, medication, etc. Later on my XXXX XXXX XXXX daughter began XXXX  XXXX  as well. I also provided documentation of a call made to her pediatrician for this as well as my hospital discharge summary coinciding with the time I was treated and for what and how I was treated and where. I contacted the merchant via telephone and XXXX messages after they responded to a review I left however never heard back. 

I initiated a Discover Dispute based on the services I received. When I telephone and speak to them including a manager by the name of XXXX, I was told repeatedly there is nothing Discover can do if the restaurant provided a receipt. XXXX stated this is a he said she said thing and because the restaurant is providing a RECEIPT there is nothing Discover can do. I attempted to explain in DETAIL that I have hospital RECORDS as well as my daughters pediatric records showing the date that we were both treated for XXXX  XXXX  because of the chicken at this restaurant. I uploaded my discharge summary verifying this, meeting my burden of proof for bad service yet Discover is unwilling to even consider or LOOK at my proof as is in within my right. I proved that I was provided with not only an unsatisfactory service that I should not be liable for but a DANGEROUS one that required hospitalization, missing 3 days of work, and acquiring these bills as well.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report. According to the report there is a late payment recorded for account : XXXXXXXX XXXX XXXX # XXXX Dates : XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 I request that you update my record for dates mentioned to ok or payed as agreed for the following reasons : 15 U.S. Code 1681s-2 responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information.

1. Prohibition a ) reporting information with actual knowledge of errors.

15 USC 1681a 2 ( A ) ( i ) -exclusions- except as provided ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the payment.

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FACT Act amendments to the Fair Credit Reporting Act, I am entitled to one free annual credit report from each of the three major credit reporting companies in a 12-month period. 
On XXXX2019 I sent in the mail in form to ( Annual Credit Report Request Services XXXX XXXX  XXXX XXXX, GA XXXX ) On XXXX2019 I received a response in the mail from all three nationwide credit reporting agencies XXXX, XXXX, and TransUnion. Both XXXX and XXXX gave me my Credit report as required by law, TransUnion did not. In the letter TransUnion sent me it explained that I am required to send private and confidential sensitive information through the mail to confirm my mailing address, although my address has not changed for almost 5 years. They included a form to get me to pay for a record that the law mandates they release to me free of charge one per every 12 months. 
I believe they are committing fraud and false advertising as well as breaking the law through constructive fraud by complicating the process for me to get my credit report. I believe they are holding my records hostage and withholding them for payment making it more difficult to get a free copy according to law and making receiving a forced purchased record easier. I believe this is criminal or something is seriously wrong, please investigate conduct an audit and let me know as soon as possible as to what has been uncovered by the investigation/inquiry. I want my Free Credit Report from TransUnion sent to me as they are required by Law to do so. I should not have to jump through any hoops when there is no law requiring me to do so, and there is no security freeze or red flags on my record that would justify these unethical practices. If TransUnion sends me my one free hard copy of my annual Credit Report this will resolve my complaint. Thank you. 

Please only contact/respond to me by US Postal Mail. Also please send me a copy of my complaint and the complaint number for my records, Thank you.
Product: Credit reporting

this items was not properly validated as accurate and i recieved a letter stating that this item from XXXX county clerk has been deleted from my file on the XXXX of XXXX and i was mail a letter in regards to this inaccurrate information but when i pulled my credit file on the XXXX XXXX it is still there i need the inacurrate information off of my credit file something needs to be done with these credit agencies
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of certain information contained in my credit report. I believe that the reported information does not comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681o, which outlines liabilities for negligent or willful noncompliance with these statutory requirements.
Product: Credit reporting or other personal consumer reports

I am asking for your help regarding the incorrect account showing up on my credit report. This issue has adversely affected my reputation, and I need your intervention. The way my credit report has been managed has brought me to my lowest point, as this misleading information has devastated my reputation. It is crucial that you remove this false data from my credit report.
Product: Credit card or prepaid card

Today is XXXX 2020.i have a XXXX XXXX prepaid American Express card.i was suppose to have had my refund advance put on this card today.so i waited 2hrs for an  email saying my funds was deposited.that never happened.so i called the card and it said my account was suspended .i didnt get an email til after i called the card.i talk to someone and she said my card overdrafted on XX/XX/XXXX due to a purchase that i made XXXXthats a  prepaid card how is that possible.that was not my fault.i have XXXX kids and i need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.