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

I checked my credit score and noticed my credit score went down. I looked further and found credit card was open with Barclays Bank Delaware. More than {$2000.00} was charged to the card.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding my repeated attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite numerous requests, these issues persist, negatively impacting my financial standing. I urge your agency to take immediate action to investigate and rectify these errors, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies that require your attention for removal : 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 

I have attached copies of documents that support my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

Under the FCRA, I insist that you : Initiate a thorough investigation into the accuracy of the disputed items immediately. 
Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any information that is found to be inaccurate, incomplete, or unverifiable from my credit report. Non-compliance with the FCRA may result in legal consequences, and I trust that your agency will adhere to the law and handle this matter with utmost professionalism. The XXXX, Equifax, and XXXX Credit Bureaus are required to removed the following mentioned items above.
Product: Credit card or prepaid card

DID BALANCE TRANSFERS TO XXXX XXXX XXXX XXXX THAT XXXX XXXX AT CAPITAOL ONE CONFIRMED INITIATED BY CONSUMER THAT CUSTOMER COULD NOT VIEW BUT CAPITAL ONE CAN. THE AMOUNTS WERE FOR XXXX NUMEROUS OTHER TRANSACTIONS TO SAME CREDITOR AND AMOUNT WERE CONSUMATED .THESE OTHER 5 ARE OUTSIDE THOSE TRNASACTIONS AND NOT TO BE CONFUSED WITH ONES SPECIFICALLY BEING QUESTIONED.ALSO ALL THESE CALLS WERE RECORDED, THE INEPTNESS OF CERTAIN REPRESENATIVES I SPOKE IN TRYING TO RESOLVE THIS ISSUE IS BEYOND BELIEF.I LETTER WAS SENT TO PRESIDENT A COPY CONTAINED .THIS IS A NIGHTMARE DEALING WITH THESE PEOPLE. ALL THESE CALLS WERE RECORDED ALMOST EIGHT REPS LAST 2 WEEKS WITH THE CULMINATING FRUSTRATION WITH REP XXXX WHO I THOUGHT GRASPED THE PROBLEM BUT DID NOT XXXX XXXX A CAPITAL ONE IS THE REP TO INTERVIEW
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am WRITTING you about an entry listed on my credit report which I have tried to have removed. 
Apparently someone with a similar name to mine filed bankruptcy in ( NAME OF COURT AND DISTRICT HERE, and it is appearing on my credit report. 
After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. 
As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. 

VICTIM OF IDENTITY THEFT! 

Please be advised this is my SECOND WRITTEN REQUEST. You failed to block the fraudulent accounts and inquiries I requested in my last correspondence to you sent via Certified Mail, and by doing so you have incurred civil liability for Willful Non-Compliance under Section 616 of the FCRA. I keep all records of my correspondence with you so I am prepared in case I need to take you to court. 

I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete ALL accounts and inquiries resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Police Report and/or Fraud Affidavit. THIS IS A REQUIREMENT, AND NOT AN OPTION.
Product: Credit reporting or other personal consumer reports

Ive disputed XXXX XXXX & XXXX XXXX through XXXX and XXXX because they have listed the same accountXXXX XXXX XXXX three times in the amount of {$460.00} on all three of my credit reports of XXXX, XXXX XXXX XXXX. Thats incorrect. I did not have three accounts for that amount. And the dates opened are wrong. I didnt open any credit card in 2023 as XXXX and XXXX has listed.
Product: Money transfers

I was contacted by XXXX, XXXX XXXX, and asked if I would like to sell the time share we purchased in XXXX. She said she had a buyer ready, she sent a contract XXXX XXXX, 2015, read it over with me on the phone. Then she said I had to send her commission, which would be fully refunded by the buyer. Then it was title fees, then XXXX fees, etc., and to be refunded back to me. I was also contacted by XXXX XXXX at XXXX XXXX XXXX XXXX, and told he was holding the money in escrow account. Many promises, no action. Have not be able to get anyone to call me back for weeks.
Product: Checking or savings account

On XX/XX/20 I deposited a cashiers check for {$29000.00} which had been sent to me to purchase XXXX. The bank froze the account. XXXX XXXX XXXX contacted XXXX in the fraud department and he decided it was part of a large scam involving stolen money. This is not true. The money was not stolen and there is no fraud. XXXX told me he would find the rightful owner and I wasn't to bother him. I had been calling him regularly. He threatened to involve the XXXX XXXX if I bothered him again. He offered no explanation for his decision on this. He became quite rude. That money has been held for no good reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in conjunction with Lendmark keeps reporting that all info which is never provided to me the consumer is acceptable and accurate. 
As XX/XX/XXXX XXXX opened up the Lendmark account which is charged off and is ex husband 's account to make it appear as an active auto loan. Lendmark will not make.payment arrangements for specific dates, will not give balance owed which has received XXXX dollars and XXXX dollars in XXXX and XXXX, which is charged off after it was a judgement and paid on, which still has an incredible increasing amount because they will not supply balance, give receipts or bills, or and were not even sure if they could accept money because it was closed but that has not stopped XXXX in conjunction with Lendmark from reporting major discrepancies such as loan amount, saying it was open account, and now messing up my payment history by saying a payment is late when indeed there IS NO payment date set in stone and the consumer has no clue balance owed or if it is even supposed to get payments to it because Lendmark will not produce info. 
Also in XXXX I got divorced. The ex never showed up or responded to divorce but Lendmark accepted his word I had to pay and judge said so. The ex took the car. Lendmark refuses to go after ex XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX unless he calls in because he is pretty much exempt due to a fictious letter. This needs fixed. It is not an open account. It is charged off. It is not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alleged Account With XXXX ( Alleged Account XXXX XXXX ) Needs To Be Removed From My Credit Report As We Received A Loan Verification Letter From XXXX Stating That Loan Status Is Paid In Full. Letter Will Be Attached To This Complaint. Experian Needs To Remove This From My Credit Report Immediately.
Product: Student loan

Over the past 3 years I have experienced life changing events that have caused me to have difficulty to make my student loan payments in a timely manor. I have been through a very costly divorce and custody battle with my ex-husband after 10 years of marriage. I had contacted XXXX the servicer of my XXXX XXXX XXXX loans on multiple occasions requesting help with my student loan payments. There were no options available to me other than to pay the payments set. In XX/XX/XXXX I was unable to make the payments. The accounts serviced by XXXX for XXXX XXXX XXXX defaulted after 120 days of non-payment. I was able to locate that my loans were in default status with a collections company called XXXX, XXXX XXXX XXXX. In XX/XX/ I made a {$2300.00} payment to XXXX XXXX XXXX over the 5 loan origination 's to bring them current. I requested a reasonable payment plan and for my loans to come out of default status if I brought them current on the past due payments. I had brought the past due amounts current in XX/XX/XXXXand I was willing to resume payments. The collections agency XXXX XXXX XXXX on behalf of XXXX XXXX XXXX refused to work with me. They continue to threaten me that the entire balance due of {$36000.00} is due immediately. They threaten me with wage garnishment and that these loans will stay on my credit report until the full amount is paid. I have paid XXXX XXXX XXXX for almost 9 years. The payments have been consistent. This company is being unfair, unrealistic and abusive. It is not practical for me to come up with {$36000.00} when I have been struggling to make my minimum monthly payments. I have investigated that many companies will bring an account out of default and negative credit reporting when the account is brought current. This company is refusing. They threaten to ruin my life and my financial stability for many years to come. Even though I have made an evident effort to reconcile my debts. When I called XXXX & XXXX the first week in XXXX to make a payment. The representative refused my payment and told me to just mail it in. This makes it appear as if my payments were even more sparse. I know they are able to accept payments by phone because they took my payment of {$2300.00} by phone. I assume since the payment was much smaller in scale. It was not worth the representatives time. I am absolutely disgusted. I have been a good payer of my debt to this company for 9 years. Now my life and my children 's life will be ruined for ten plus years because they refuse to work with me.
Product: Debt collection

I have recently received my credit report and I've noticed many accounts opened without my authorization : Sequium Asset Solution ; {$600.00} .I am not sure where my information is being stolen from but I'm initiating this report with hopes of getting these issued resolved as it is hurting my credit profile and creating debt that isn't mine.In addition to statement above, I have not live or resided in these locations where these accounts have been opened. This was brought to my attention once I have finally seen my full credit report. I was being denied for a lot of things like bank accounts, credit cards, and loans for example.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXXXXXX, and the loan was financed through Credit Acceptance. The advertised price was {$4400.00}, but the final amount financed was {$6600.00}. I also paid a {$1500.00} cash down payment that was not properly applied. Within two hours of driving off the lot, the vehicle broke down due to major mechanical issues. It has remained inoperable ever since, with projected repair and financial losses totaling {$22000.00}, including the loan, repairs, diagnostics, and towing. 

I requested to cancel the sale within 20 minutes after being told the AC needed repair, but the dealership claimed the finance company didnt allow cancellations. I was pressured into signing the contract without time to fully review the terms. 

On XX/XX/XXXX, I sent a certified dispute letter to Credit Acceptance requesting loan cancellation, correction of the inflated charges, and reimbursement of losses under the FTC Holder Rule. I also contacted the Illinois Attorney General, FTCXXXX XXXX, and CFPB for assistance.

As of today, I have not received the requested information or resolution from Credit Acceptance. I am disputing this loan and asking for a full investigation and relief.
Product: Debt collection

In XX/XX/2019, I called XXXX XXXX XXXX to cancel my TV, Phone and Internet services. XXXX XXXX XXXX failed to document my request during the phone call and only requested to port the phone number, instead of fully canceling the account. XXXX XXXX XXXX continued to bill the account for full months services in XX/XX/XXXX and XX/XX/2019. After numerous phone calls, XXXX XXXX XXXX removed charges associated with XX/XX/2019 but refuse to remove the charges from XX/XX/2019. 

I spoke with representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX. On each phone call, I was assured that the charges were going to be reversed for the months billed after my request for cancellation. 

On XX/XX/XXXX I received a letter from a collection bureau dated XX/XX/2019, demanding payment of {$300.00}. 
I do not feel obligated to pay this amount and demand that XXXX XXXX XXXX reverse all charges to this account that occurred after XX/XX/2019 and recall this collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XX/XX/XXXX - XX/XX/XXXX was XXXX and was lowered to XXXX during XX/XX/XXXX - XX/XX/XXXX. The most recent score for XX/XX/XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XX/XX/XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.
Product: Bank account or service

XXXX fraudulent checks were posted to my checking account, XXXX for {$5900.00} and XXXX for {$890.00}. Neither had any signature on them - the signature line was blank on each. Upon seeing that my account was depleted of funds, I reported the fraud to Chase and froze the account. They tell me it will take up to 30 days to hear back from the investigation and get my money back from the other bank, even though the checks are clearly fraudulent. They also tell me there is no system for me to track the progress of my claim, and they 'll let me know if they need anything else.
Product: Student loan

I have been trying to work with Navient to work out a payment plan that I can actually pay, and every time I talk to them they give me an outrageous amount that there is no way I can pay. After a lot of discussion and supposed misunderstandings on their part, they finally say that they can put the loan in forbearance for a few months. And If I 'm a day late contacting them or making the payment, which is still at the high payment that I 've told them I ca n't pay, they call at least once a day, myself and my husband both. The report monthly on each separate loan to the credit bureaus, a total of XXXX separate small loans. This is the third time I 've tried to work out a plan, I did n't realize until very recently that this is a common practice of theirs. I do want to at least attempt to get this paid off, but right now I have the only income, my husband is still recovering from a pretty bad accident last year, and we have the medical bills to try to pay off, too, so I do n't have a lot I can pay, but I would like to do what I can. But they just keep giving me a loan payment that is completely out of my ability to pay - which is over half of the household income - and putting my loan in forbearance, accruing more interest.
Product: Payday loan, title loan, personal loan, or advance loan

My credit score dropped a lot so I checked my credit report. I found this personal loan but I never authorized it. 

Loan company : AFFIRM INC Account number : XXXX ( XXXX  stand for number or letter that doesn't shown in credit report ) date opened : XX/XX/2023 original balance : {$2500.00} Current balance : {$2600.00} terms : 12 month loan company address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone number : ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX is saying I owe {$840.00} for a magazine subscription. I was trying to win a {$100.00} gift card and one of the things offered was this magazine subscription. They said I had within 14 days to cancel. I did not receive any Bill or any information about this company until AFTER the 14 days were up. It came after the 14 day limit. Therefore I could not cancel within the 14 days because I did not have their phone number. After I got their Bill I called and told them to cancel. They refused saying I should have cancelled within the 14 days. I could NOT cancel because I did not have the phone number or the Bill. Now they have sent me a letter from the Interstate Recovery Service saying my debt is in collections. I looked online and the Interstate Recovery Service is a fraudulent company that has numerous bad reviews. I do not believe it is a real company. I called the number and a woman answered and said Hello? There was no automated voice and no numbers to type. She just said Hello? I said This is a scam. And she said How dare you talk to me that way? That cemented my belief that they are a scam company. When I got the Bill saying I had 14 days to cancel after the 14 day period I called and told them to cancel. The woman refused. So I changed all my credit card numbers. Now they say I'm in collections. I am filing a complaint against XXXX XXXX AND Interstate Recovery Service XXXX XXXX XXXX XXXX  XXXX, VA XXXX. Their phone number is XXXX XXXX XXXX. I refuse to pay {$840.00} to this scammer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Experian, the credit reporting agency, block information on my credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information includes : Inquiry from XXXX XXXX XXXX on XX/XX/year> Inquiry from XXXX XXXX on XX/XX/year> Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> Inquiry from XXXX XXXX XXXX on XX/XX/year> These fraudulent accounts have led to several hard inquiries and collections that are also fraudulent. I have attached a list of these hard inquiries and a copy of my consumer XXXX credit report from Experian that shows these fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. I did not open, make, or initiate these accounts, collections, or hard inquiries. They are all the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint from the U.S. Federal Trade Commission as proof that these accounts, collections, and hard inquiries are the result of identity theft and fraud.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Experian block this fraudulent information within 4 business days of receiving this complaint.
Product: Mortgage

ON XX/XX/XXXX I MADE AN ADVANCED 1 MONTH PAYMENT FOR MY MORTGAGE TO GO BI-WEEKLY. TRANSACTION # XXXX  TEL ID# XXXX IN THE AMOUNT OF $XXXX. SINCE XX/XX/XXXX I HAVE BEEN RECEIVEING THREATENING LETTERS AND PHONE CALLS FROM PNC BANK THAT I HAVE BEEN DELINQUENT 1 MONTH BECAUSE THEY NEVER RECIEVED THE PAYMENT IN QUESTION. I HAVE COMMUNICATED AND FAXED OVER MY BANK STATEMENTS SHOWING PROOF OF THE PAYMENT WITH THE TRANSACTION NUMBER AND NOW IN XX/XX/XXXX THE HARRASSMENT AND LETTERS HAS NOT STOPPED. PNC BANK IS UNWILLING TO FIX THEIR MISTAKE THEY ARE CAUSING MY FAMILY AND MYSELF UNDUE STRESS THAT I MUST CONTACT YOU FOR HELP.THANK YOUXXXX XXXX (XXXX)-XXXX
Product: Checking or savings account

Before opening a checking account for a promotion, I needed to make sure I understand the limitation correctly. The limitation was : You are ineligible for the respective bonus if : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past XXXX months. 
You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past 12 months. 
I needed to find out specifically, when the XXXX months period starts, as it was not clearly and explicitly stated In the clause, compare to other banks, which use the same limitation and clearly state in the clause, when the XXXX months period starts ( XXXX XXXX, for example ) ( Exhibit XXXX ). 
I contacted several Wells Fargo representatives to find it out and clarify this clause. 
On XX/XX/year> at XXXX PST I spoke to XXXX XXXX XXXX XXXX XXXX customer service. He confirmed on recorded line the that the XXXX months period mentioned in both clauses STARTS from the day of OPENING of the previous account, I.e. XXXX  months between the dates of OPENING of the previous account and the next one. The conversation was recorded and can be confirmed. 
He also advised me to contact a banker at a local branch for an additional confirmation. So I had done. 
On XX/XX/year>, at XXXX PST I spoke to XXXX XXXX XXXX a banker at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tel. ( XXXX ) XXXX She clearly stated confirmed on recorded line that the XXXX months period mentioned in both clauses STARTS from the day of OPENING of the previous account, I.e. XXXX  months between the dates of OPENING of the previous account and the next one. The conversation was recorded and can be confirmed. 
On XX/XX/year> at XXXX PST I spoke to XXXX XXXX a banker at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX tel. ( XXXX ) XXXX She clearly stated confirmed on recorded line that the XXXX months period mentioned in both clauses STARTS from the day of OPENING of the previous account, I.e. XXXX  months between the dates of OPENING of the previous account and the next one. The conversation was recorded and can be confirmed. 
And finally, at the time of opening both accounts at the branch I asked the same question the banker who actually opened the accounts - XXXX XXXX XXXX. 
She confirmed verbally before opening both accounts that the XXXX  months period mentioned in both clauses STARTS from the day of OPENING of the previous account, I.e. XXXX  months between the dates of OPENING of the previous account and the next one. 

I opened the accounts, based on their statements above, as the final clarification official representatives of Wells Fargo, speaking on their behalf. 
I request XXXX XXXX to CLEARLY address, whether the statements above made by the Wells Fargo representatives mentioned are correct specifically that the XXXX  months limitation period begins from the date the previous account was opened.