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

i spoke with a lawyer and they told me to contact you'll concerning my problem with discover credit i called discover on XX/XX/XXXX at XXXX ; XXXX and spoke with XXXX about the {$7000.00} charges on my card they canceled my card and said they would investigate later i received a letter stating they reviewed my account and determined the transactions was not authorized by me and all unauthorized charges have been credited to my accounted and when i received my statement there were no changes to my account i called them back and i was told the letter was a mistake and they can only go back to XXXX and check my statement i ask were they destroyed she said no their system want allowed them to go pass XXXX i ask how you know i owe that amount if you can't see the charges she said i can't go pass XXXX i only want them to show me the charges that i know didn't make and i don't want to destroy my XXXX credit score by not paying for charges i didn't make please help me if you can
Product: Vehicle loan or lease

when i got the loan in 2016 the interest rate was around 4 % but when i got loan with wells Fargo i was charge 8.1 % interest rate for 6 years loan. i paid off loan but wants to know if anyway i can get some of the money i paid back. tries with bank but no luck. 

i am attaching wells Fargo bank statement
Product: Credit reporting

I am disputing incorrect information on my credit report. The credit reporting agency let me log into my account ( using the same information I provided ) and then would not let me dispute it ( using the same information I provided ) because they said it did not match. I entered the information exactly as it appears on my government-issued driver 's license. I do not have a fax to fax them things and am not going to pay to correct THEIR PROBLEM. I get sick of correcting things non-stop on my credit report and want an actual telephone number to speak to a person. I am not going to continually expend resources to correct their problem. Here are the accounts that they are incorrectly reporting:1. XXXXType : Student LoanAccount number : XXXXaccount holder : Individualdate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
2. XXXXType : student loanAccount number : XXXXAccount holder : Individualdate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXXType : student loanaccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXXThis account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
XXXX. XXXX XXXXType : student loanAccount number : XXXXAccount holder : IndividualDate opened : XX/XX/XXXX. 
This account is paid in full, closed, and has a {$0.00} balance, despite what they are incorrectly showing. You 've been notified, so prove the status is correct or else fix the problem. The end. 
So I got all of this information from my online Equifax credit report, which they let me see but not dispute. I am not going to spend one dime fixing this problem. I get sick of doing it continually.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted JPMCB CARD SERVICES ( Chase Card Servcies ) on my 3 accounts in XXXX, XXXX, XXXX and XXXX to let them know about issues due to my family issues with Covid19 and having to take care of many who are not working. Chase finally said they would process the request under the CARES ACT, but they were not fully staffed and it would take time to process the request. The requests came back approved, however, CHASE reported all accounts as seriously delinquent in XXXX, XXXX, and XXXX as they were processing the request. I asked and filed a dispute with the credit agencies, and it came back that CHASE provided property documentation. I am grateful they provided relief, but upset they are dinging me and surely many others while they took so long to process the application due to awaiting guidance or not having fully staffed offices. This applies to agreements set up after XX/XX/XXXX and until either 120 days after the XX/XX/XXXX enactment of the CARES Act, XX/XX/XXXX, or 120 days following the end of the national emergency, whichever is later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is furnishing inaccurate and erroneous information on my consumer report which is severely damaging my mode of living. I have requested documentation from them on this said alleged debt with no response. I want this account removed from ALL CRA 's immediatly or i will be seeking an attorney to handle the situation for me. I have let this company know an 2 occasions that this account should not be on my consumer reports yet they refuse to remove it. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXX and XX/XX/XXXX. During this time a fraudulent account was opened in my name with Exeter finance. Exeter finance and XXXX are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military  police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have Exeter remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint.
Product: Debt collection

I filed a CFPB complaint on this company on XX/XX/2024 ( CFPB # XXXX ) due to a previous situation in which I was harassed, disrespected and threatened on the telephone first thing in the morning. 

On XX/XX/2024 the complaint was closed with the company stating the following within it's response, -- " we will note in our files that XXXX XXXX has requested no further tele-communications . '' With that being said, I received yet another telecommunication and voicemail from this company this month on XX/XX/2024. I have been advised to go on record and file another complaint with the CFPB due to this now being a direct violation of The federal Fair Debt Collection Practices Act ( FDCPA ) and opens up the door for legal action ; Civil Liability 15 USC 1692k, 1692n, 1692o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report with ( XXXX, XXXX, & XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law.

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT CLOSED, PAID IN FULL, NEVER LATE XXXX XXXX ACCOUNT NOT RELATED TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Equifax in XXXX, XXXX, and now XX/XX/2022. The collection agency XXXX XXXX XXXX XXXX, account XXXX and XXXX failed twice to communicate and validate the debt with me according to my rights under the Fair Credit Reporting Act. I've requested these collection accounts be investigated and removed. All I get back from Equifax is " the account has been verified ''. They and XXXX XXXX XXXX XXXX have not provided me any proof or validation as requested 3 separate times and it continues to show on my consumer report. Again the collection agency fails to provide validation or communication as well.
Product: Debt collection

I have asked for proof of this debt because I know the social security number belonging to the loan doesn't belong to me. 

Therefore I am not responsible for this debt and would it removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Now over 120 days later I have not received one word about my inquiries and more importantly about the inaccurate items reporting on my credit report published by Equifax, XXXX and XXXX XXXX. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 128 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card

During the year 2024 I suddenly received notice of my account XXXX being reduced from {$8000.00} to {$5000.00} for no reason at all. Ive NEVER been late paying my bills. Then I had Citibank start sending me paper statements and this is when I really got infuriated because they were charging me the maximum interest at 29.99 %. In addition I find this {$2.00} fees charged line that is nonsensical because I purchased on a no interest program for 6 months or sometimes 12 month program. So with this said I deserve to have the lowest interest rate applied to my credit card and I want my limit raised back to original value because Citibank damaged my credit score. I then researched my XXXX account XXXX and found out that my interest rate is $ 25.99 %. Im now requesting cfpb to investigate legality of what seems to be mob interest rates charged to fiscally responsible paying customers like myself and WHY THEY DAMAGED MY CREDIT RATING BY REDUCING MY HIGH RATING LIMIT! 
Im very disappointed in Citibanks treatment of Home Depots customers.
Product: Credit reporting or other personal consumer reports

Bank of America did not properly notify of action against my account, and are in direct violation of 15 US code 1666 ( b ). There are no electronic notifications NOR paper notifications nor calls for my personal credit card account until after XXXX of XXXX. I did not receive statements as requested by mail in XXXX. Additionally, I have made on time ACH withdrawal payments since last year XXXX of XXXX. They have reported my payments late and the amount of XXXX of payments made from XX/XX/XXXX to current and are reporting 30 days over due from XXXX of XXXX through XXXX of XXXX making a severe negative impact of my score causing other creditors to reduce my availability to credit and closing accounts due to their incorrect reporting.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft which has caused my credit to suffer tremendously due to someone using my social security number to apply for loans and credit in my name that I did not do. Please remove the following accounts immediately.

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have been a victim of Identity Theft and have enclosed the following documents with this document, My ID for Proof of Identification, my Identity Theft Report, Identifying the following information, and a copy of my statement.
Product: Credit reporting or other personal consumer reports

I applied for a training course to open a XXXX XXXX XXXX XXXXXXXX. After finding out the course was going to costs over XXXX I immediately cancelled everything. I received all the refunds back to my credit cards except for the class course I never attended. The school refuses to refund the money back to the lender and now it's on my credit report and XXXX will not provide me with any proof of it's validity that's on my credit.
Product: Credit card or prepaid card

I checked my credit report on XXXX and someone has put in a hard inquiry for a JPMCB credit card, which I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived in the same house for 27 years and moved XX/XX/XXXX. I sent every creditor my change of address and logged it on an XXXX spreadsheet. XXXX XXXX was sent my change of address on XX/XX/XXXX. Mine and my husband 's credit scores were always within a few points of each other, around XXXX. His is XXXX right now. I had a XXXX XXXX Credit Card that I rarely used. In XXXX of XXXX I made a purchase of approximately {$40.00} on my XXXX XXXX. Apparently, they sent the bill to the old address in XXXX of XXXX, 16 months after I had moved from there. I had not charged anything during that time, so no bills were sent except this one for {$40.00}. The time limit had expired at the post office for forwarding mail, so it was returned to the sender, XXXX XXXX. No one ever called me, or emailed me. They had the phone number and email which had not changed. I was totally unaware they had sent a bill. In XXXX of XXXX, my credit was lowered on a couple of my other credit cards with a note saying to check my credit bureau for information on my account. I got a credit report and saw this blemish on my XXXX account and called them to inquire. They immediately patched me to Collections. I told her I was unaware and she practically called me a liar and was very rude. I had never been spoken to in this manner by anyone before. I paid the balance with interest and late charges added and had a {$0.00} balance when I called in XX/XX/XXXX. They kept reporting it as unpaid and in collections all the way to XXXX of XXXX, even after several calls to them. I have always paid my bills on time. When I checked my credit score it had fallen from around XXXX to XXXX. I explained that I had sent them the change of address card and had not charged anything in over a year, so had not received any bills. She was even more rude and even elevated her voice. She said they would not notify the credit bureau and the report was to remain. I have filed complaints with Equifax and they won't change it. I have another XXXX years before it is cleared. My score is up to XXXX, but it should be over XXXX and would be without this mark on my report. The way I look at it is : 1.  XXXX XXXX received the change of address card and did not process it, so it was their fault that they sent my bill to the wrong address. 2. If they looked at my record, they could clearly see my nearly perfect record, and something was not right. 3. They could have called or emailed me, but chose not to, even though I had an excellent payment history and had the card for 7 years. 4. I also sent a statement about this to Equifax to put on my credit report, but I have never seen it on there. I just want this blemish off my credit because I did nothing wrong.
Product: Money transfer, virtual currency, or money service

Remitly ( Exchenge money ) US. 


Yesterday, XX/XX/2020 I sent XXXX US dollars to my account in XXXX. 
They promised that the amount will be available today XX/XX/2020.  Now I received a message that my cash is available in my bank ( delivered ) but it's not. 
I've already check on XXXX, almost a hundred percent of the people has problem with Remitly Company. Please contact this company to stop the transaction because a lot of people has problems. 

I have the receipt : XXXX Full Name : XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Coinbase account has been under review since XXXX. 
My account is blocked. 
I have sent several tickets and emails and they do not solve the problem. 
I send my passport, drivers licence and XXXX several times. 
I can not access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 TJ max synchrony bank mislead and pulled my XXXX  and XXXX  report without my consent, both reports have fraud alerts with my cellphone number attached no one from synchrony attempted to reach out to myself for the verification questions prior to the act. Upon calling Synchrony customer service an citing the problem the agents also attempted to gain access to my credit report by asking for my Full social security number, tj maxx synchrony bank was never given my full 9 digit ssn and had their website set up in a deceitful manner leading consumers to believe this was a simple pre-qualification vs a hard pull. Synchrony bank hire and train agents to practice daily deceptive and predatory loan practices steer clear of them.
Product: Debt collection

Speedy cash said I owed them XXXX dollars. I explained to them repeatedly it was not my account. Still, they are reporting it on my credit. Im tired of disputing a charge that doesnt belong to me for XXXX years.
Product: Checking or savings account

Someone opened an bank account online on XX/XX/22 with my name and also used my name for a car online also I took went and are using my name also for payday loans I have been getting emails about it. I called Bank of America and they are in the process of closing the account now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it says that I missed payments which isnt true. I have bank statements that shows I have paid them during those months. This has brought down my credit score considerably.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX has violated my federally protected consumer rights to privacy and confidentiality. under 15 USC 1681 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 Castrucions 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 XXXX XXXX other adverse item of information, other than records or 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: Debt collection

I hearby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As establish in pacific concrete fcu v. kauano, 62 Haw 334, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to, phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Transunion captit if you fail to comply with this reques
Product: Student loan

I consolidate federal student loans to AIDVANTAGE, completed in XXXX. I applied for the XXXX loan plan and was placed in a 60-day ADMINISTRATIVE forbearance. At the end of 60 days I was supposed to be placed in a GENERAL forbearance. This is what I was told by supervisors at AIDVANTAGE and is on the Dept. of Education website ( below ). AIDVANTAGE did not place me in General forbearance they erroneously placed me into repayment and added interest to my account. They must remove this interest. 

I called once in XXXX, 3 times in XXXX and spoke to 3 separate supervisors. 

FROM XXXX XXXX________ If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance does provide IDR credit and PSLF credit XXXX with certified employment ). If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in the XXXX forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Columbia Debt Recovery XXXX you have broke the law! You have shared & used my non public personal information without my consent. I have not disagreed to pay you, however, I have requested the proof of this claim you have against me. I have requested that you provide me with verifiable proof, and You Columbia Debt recovery have failed to provide me with any verifiable proof of this alleged debt. 
I now ask that you provide me with a copy of your XXXX bond issued by a XXXX company authorized to do business in the state of Texas as prescribed by the XXXX XXXX XXXX, as well as a copy of the original contract binding you, Columbia Debt Recovery and I together, A signed invoice, a receipt of the transaction you made with XXXX on XXXX, and a full breakdown of the account ledger. You have 10 days upon receipt to provide me with this information, if you are not able to have this information available I expect this account to be deleted from consumer reporting agencies immediately! I will not hesitate to seek a private right of action should you fail to comply.