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

I am trying to use Care Credit at XXXX to purchase {$17.00} in cat litter and cat treats and according to the cashier it is trying to switch from credit to debit and it fails. It fails with a declined message saying it can't be ran as debit. I called Care Credit and they said they are investigating the problem and it's widespread. They told me to try to purchase at the XXXX pharmacy but, that also didn't work for me.
Product: Debt collection

S & S Recovery Inc contacted me on numerous occasions between XX/XX/XXXX and email on XX/XX/XXXX. XXXX also contacted from a ( XXXX ) XXXX which is in Texas but the company is located in XXXX TN? Company claims I owe {$1000.00} from a unpaid balance due to my financial aid and XXXX statuses which out me on XXXX XXXX and caused my funding to be returned and caused my XXXX XXXX XXXX due to a school financial aid administrative error. I also requested 1 ) Proof of a chain of assignment/chain of title for this debt, including all entities that have owned or handled the debt since its origination. 2 ) Details of your licensing and authorization to collect debts in the state of Texas. 3 ) Evidence of compliance with any securitization process, including documentation that this debt was properly secured in a trust. 4 ) Date of first delinquency on this account. 5 ) Date of last payment made on the account, if applicable.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed iv been a victim of fraud and found numerous credit inquires on my credit report that i have no knowledge of here are the inquires i found : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXPlease remove all of these fraudulent inquires from my credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the most recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I am a victim of identity theft. I have XXXX unauthorized and fraudulent accounts listed with American Accounts Advisors , Inc., that do not belong to me. I continue to receive harassing and threatening telephone calls from representatives from American Accounts Advisors , Inc., representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion of fraudulent and unauthorized inquires on my credit report and transunion responded that they verified FRAUDULENT INQUIRES
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing an unverified bankruptcy with Transunion in XX/XX/2020. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Transunion credit report. Every time this institution responds with the item is verified and the data furnisher is the XXXX XXXX XXXX GEORGIA. I have reached out to the ( XXXX XXXX XXXX  GEORGIA ) via USPS mail as well as physically visiting the CLERK OF COURT located at the ( XXXX XXXX XXXX DIVISION ) on multiple occasions requesting information on their process of releasing public records information to 3rd party for-profit agencies. Each time I was given the same response, The court does not share public record information with 3rd party or for-profit agencies. I have forwarded the response to Transunion on multiple occasions and requested that the unverified information be deleted from my Transunion credit report. Transunion continues to report the unverified on my credit report as verified and accurate as seen in supporting document # 1 dated XXXX. This is a violation of the Fair Credit Reporting Act. I want the unverified information deleted from my consumer profile immediately and updated. Please refer to the attached supporting documentation.
Product: Credit card or prepaid card

I received a Brinks prepaid card in the mail. I didnt not request one.
Product: Mortgage

Loan Servicing company : LoanCare, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXXI am writing to complain that despite my having adequate funds, my last XXXX previous mortgage payments for XXXX and XXXX have deliberately not been processed by LoanCare through their website ( XXXX ). 

I tried to made a payment for XX/XX/XXXX using the same account that I have always used from my XXXX XXXX Account, and then realized later in the month that the payment was not processed through the website despite receiving an email confirmation that it had been accepted. 



As soon as I realized that they payment was not processed I then made a second attempt to pay XX/XX/XXXX, plus make my payment for XX/XX/XXXX as well, using a different account from a different bank. That payment was not processed as well as I have just come to find out. 

At the time of my second attempt to make my payment I also wrote a message to LoanCare customer service through their website ( XXXX ) requesting explanation why the payment was not processed. To date I have not received a response to that enquiry. 

Both bank payment accounts have more than adequate funds to cover the payments at the time that I made them. I have the bank statements to prove this. 

I have now ( XXXX XXXX ) made a third attempt using my XXXX XXXX account to pay all the past overdue amounts but I am baffled what the problem is because the last two attempts have been unsuccessful and I have received no explanation from LoanCare. I have just tried to call my credit union- XXXX XXXX and they have still not received a withdrawal request from LoanCare for any of the payments that I have scheduled through LoanCare website. 

I just want to simply make my payments but LoanCare is making that impossible, and tarnishing my credit, as well as charging me late fees. I would an explanation from LoanCare why my payments have not been processed despite having adequate funds in XXXX different accounts, and receiving email confirmation. 

I again called my bank to check if they had received a withdrawal request from LoanCare and to date they have not. This leads me to believe that my third attempt to pay will not be successful, and that LoanCare is dishonestly refusing to accept payments in order to collect late fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX On XX/XX/XXXXXX/XX/XXXXI asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXXXX/XX/XXXXI asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. So on XX/XX/XXXX I pointed out to you how you reported that this was charged off in XX/XX/XXXX, but this is wrong because XXXX AND XXXX show this account was charged off in XX/XX/XXXX. I wanted you to look at this again and on XX/XX/XXXX, and you still did not fix this. In addition to this error, I want to point out that it doesn't show my balance as XXXX, and you don't show my most recent payment. I will attach a letter from the collection agency XXXX was using for this account, " XXXX XXXX XXXX '' that shows this account was satisfied. Also, the fact that this debt was owned by a collector shows that this account had already been charged off in XXXX. According to the FCRA you either need to fix these errors and omissions or delete the account. This is the 5th time I have asked you to fix this, and now I have also shown you on this complaint that you are also neglecting to show my account balance as XXXX, and my last payment even though I have a letter from XXXX collector stating this account is satisfied. And I will attach XXXX and XXXX report to show this was charged off many months before you show it was charged off.
Product: Student loan

I have an open complaint against XXXX XXXX, reference # XXXX. 

However, I now have a new issue. Please see the relevant portion of the copied and pasted conversation I had with XXXX XXXX 's chat service today : " XXXX : I 'm writing to confirm that XXXX XXXX has recalculated my income correctly, and to ask what the monthly payment will be moving forward. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : OK XXXX : Right now, your account is currently past due by 3 days for {$39.00}. We also report the status of your loans to the consumer reporting agencies each month. 
Your request for the Pay-As-You-Earn Repayment plan was approved. Your first monthly payment of {$39.00} on the new plan is due on XXXX XXXX, XXXX. The approval letter was sent to you on XXXX XXXX, XXXX, which can be found in your Paperless Inbox. 



To remain on this plan, you must recertify each year. A reminder will be sent to you a few months before your current annual period ends. 



XXXX : Yeah no ... I called over a month ago and was informed that that payment was incorrect. I submitted additional documentation of my income and was told that my monthly payments would increase to around {$350.00}. But in the meantime I needed to pay the {$39.00} payment in XXXX which I did, and that payment would count toward the Public Service Loan Forgiveness program. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : I see no open tasks in relation to your current payment amount. If you would like us to review the amount you may submit for a Recalculation of your Income-Driven Repayment Plan. 
XXXX : Of course. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I hope all is well. I made two payments on my Macys XXXX credit card because I was giving the wrong information by an agent that I needed to make another payment because the first payment didnt go through and agent told me when I asked several times it was not going to retry but it did after I made another payment of {$280.00}. 
I requested for the second payment of {$280.00} to be returned to my XXXXXXXX XXXX  account they said it would take 8 days its been way over 8 days and the payment of {$280.00} is still not returned to my account. Can you please return the {$280.00} because it was not my fault I was given the wrong information by an agent thats why two payments were made. Thank you for your time. Have a wonderful day!
Product: Consumer Loan

This is an RV loan negotiated XX/XX/XXXX with XXXX. In XX/XX/XXXX the loan was transferred to Santander Consumer USA. The loan is at 7.25 %. We have called numerous times the latest being on XX/XX/XXXX to ask again that the loan be renegotiated to what the Nat'l average is now between 3.25-3.50 %. They have refused and just today we found out that it is because they did n't negotiate the loan in the first place. We were never told this. No other loan company will work with us either because the loan is {$100000.00} more than what the RV is worth. There are 10 years left on the loan. If we walk away from it-which we really do n't want to do-they wo n't get their monies as we are seniors living off Social Security and annuity.
Product: Credit card

I was looking to pay off my my credit card with Wells Fargo, which was set up to pay for my XXXX and install installation 18 months or so ago. When I looked at the balance I noticed it seemed pretty high through further investigation. I realize a month and a half ago that over {$3600.00} in deferred interest was charged to my account and I only had a {$2400.00} balance alarm by this amount I called to try to rectify this and pay the principal which I had the money to pay. I didnt realize the time frame or the terms were up again I applied for this credit card through XXXX XXXX XXXX XXXX I wasnt sure what the terms were or remembered them. So again I tried to settle they said if I was late or stop making payments they could do XXXX or so percent however, I refused to not be current on my loan so instead they worked the deal out or to give me one percent however, Im still paying {$3600.00} more than what I had on my original statement as of XXXX Which I think is absolute predatory lending in addition they never ever contacted me to at least do a courtesy called to tell me about this or sent me an email to remind me when youre going to charge someone that kind of money I feel like its just an obligation by the company to protect the consumer from these exorbitant prices and fees and interest fees. so now Ill have to pay {$4000.00} more than I would have had I paid the six weeks ago which I did have the money to pay now Ill pay it over the next 15 months again this is absolute predatory lending Im a banker I know if I did this to a customer my phone would be wrong ringing off the hook Please look into this and correct this because this is not a great and to me. Its an evil practice in our community and it just hurts the consumer. Wells Fargo has been doing this type of predatory lending for sometime and needs to be hit again, because they XXXX seem seem not to learn their lesson.
Product: Payday loan, title loan, or personal loan

I applied for a loan to purchase a XXXX XXXX from a retailer ( XXXX XXXX ). I have a high credit score and no issues, but was denied and the reason given was they were unable to confirm my identity, despite being provided my accurate address, last 4 of my social, etc. I called to offer more verification, as was told they could't verify my identity, I was denied and that decision was final. My belief is that Affirm is denying people with good credit so they can make more revenue off of higher interest rates and fees from preditory borrowing from lower-score borrowers. As I said, I called and offered any form of verification request, but was told know. I believe I was denied credit for unlawful discriminatory reasons.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to delete any erroneous accounts from my credit report. Could you examine the documents? Some accounts are reported inaccurately regarding the amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

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
Product: Credit reporting

experianXXXX XXXX XXXXaccount show collection/charge off ( should be unknown with a XXXX balance ) account was included in chapter XXXX bankruptcy filed XX/XX/2015
Product: Debt collection

I'm receiving calls every day and multiple times a day from the following number, XXXX. Back in XX/XX/2019, I answered the call and told them to take my number off their calling list as the person they asked for was unknown to me. The woman told me she would do that. The calls stopped for a few months but have now started up again for the past two weeks, non-stop. Today at XXXX, I answered. No one spoke and they hung up. I called the number back and only get recordings saying they are XXXX XXXX, a collection agency. I'm unable to leave a message or speak to anyone.
Product: Debt collection

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.
Product: Debt collection

I reached out to southwest credit systems regarding a debt they are trying to collect for a company called XXXX. I sent a certified letter to them requesting a validation of debt, State the amount of the debt when you obtained it, and when that was, if they had gotten this from another collection agency, the statute of limitations on the debt, their companies debt collection license, and requesting the copy of the contract bearing my signature only thing the company returned was a list of charges by XXXX  that does not supply my signature or consent or any of the other important information I requested. This company is illegally reporting this debt to my credit without proper debt validation and I need this removed immediately.
Product: Bank account or service

This is a follow up to complaint # XXXX where the bank USAA resolved the issue in my favor but as " revenge '' decided to deliberately disable my overdraft protection linked to my USAA credit card on both of my checking accounts. Customer service there following the complaint only got worse and more rude where they could n't answer the most simple of questions of when the hold policy would change as it applied to me because I was getting conflicting answers. They suddenly decided to do as I asked one day, refunding the interest charged on my credit card and lifting the hold policy but decided for some immature unprofessional reason to disable the overdraft protection on both of my checking accounts, which has now resulted in a {$29.00} overdraft fee from them on XXXX plus probably interest and a late fee from the credit card company requesting the payment. I really do n't understand why they ca n't be straightforward and professional instead of having a temper tantrum. The complaints will continue until they do the right thing without exceptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX double credited my account on XX/XX/XXXX and I didnt pay the {$7900.00} additional charge as it was their mistake. I stopped using the XXXX card immediately because of this and because of how horrific their Customer Service is. XXXX refused to fix their mistake until XX/XX/XXXX and in turn, my credit score went from XXXX to XXXX because I did not pay my credit card bill for 2 cycles ( the only charge on my card was XXXX XXXX double credit of {$7900.00} as I stopped using the card after this happened ). After they resolved this and removed the charge 2 months later, they said I must contact Experian to bring my credit score back to what it was. I contacted Experian but they would not change my credit score as they said they contacted XXXX and all of the information is accurate. I will include the dispute letter from XXXX explaining that this was their error, and a photo of my Fico score dropping due to their mistake. Please fix this ASAP and bring my credit score back to XXXX. Thank you.