23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I called and spoke with Regional Finance on XX/XX/2023. I asked the young lady the requirements and she stated you need to be employed and have at least a XXXX credit score. She never mentioned that I could not be receiving employment pay under a staffing company. She simply stated you have to be employed and have at least a XXXX credit score ( again I repeated back to her and she say yes thats all you need ) I am currently working for XXXX XXXX XXXX and currently XXXX is using this staffing company to assist with payroll and Human Resource concern. I even mentioned I can have my operational manager send over a letter or my original offer letter showing I work for XXXX. Regional Finance located in XXXX, GA refused to accept my pay documents from XXXX XXXX. All of my documents are legit and verifiable and they still refused to accept documents after my credit was pulled. Regional Finance was not transparent and upfront about not accepting pay documents from a staffing company. I checked Regional Finance website and requirements and it does not state any where in the website they dont accept staffing payroll documentation. This is a violation, and very much so discriminatory and unethical. I provided the documents required to Regional Finance. The even pulled my credit report and now I have an inquiry that shouldnt be there. The branch manager suggested that I dispute it and she would have it removed. Clear requirements need to be listed on their website and provided when calling. I am very disappointed it was a slap in my face when I clearly asked upfront before providing my information to the young lady.
Product: Student loan

Hello, I am writing to address an issue with FedLoan Servicing taking over a month to recalculate XXXX plans which in turn, adds months onto your XXXX  time length. This information is not shared up front that time spent in adminsitrative forbearance is not included in eligible months, despite employment by a certified employer. I have now lost 3 months of progress because my amount needed to be re-calculated- it took them 3 months to return the new amount to me which now just adds an additional 3 months on the back end. There has been a long history of misinformation about XXXX from FedLoan Servicing and in the end, it is just hurting those who are trying to dedicate their career to public service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN and XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : Bankruptcy XXXX XXXXXXXX Reference number : XXXX Filed Date : XX/XX/2018 ; Bankruptcy : XXXX XXXX Reference number : XXXX Filed Date : XX/XX/2018 XX/XX/XXXX
Product: Credit card

I received a letter from Citibank/Best Buy regarding my account- the letter stated that my account would be closed due to recently updated information on my credit report. I called the creditor and asked what was going on. The lady who I spoke to explained that my account was being closed due to a late payment from a different creditor being updated as 30 days late- I explained to the lady that the late payment from the different creditor was incorrect, it was a system error and it's being updated soon- I also explained I had documentation to prove it. I explained that if she reviewed my credit report holistically that she would see the dispute and the remarks. She became rude and said " Well, okay- the account would have still closed because the credit usage is high '' - I then explained, it's high because my credit limit was dropped by their company and that I haven't paid the balance off because I am on a promotional plan. She became VERY aggressive and short with me saying that NO MATTER WHAT the account was going to be closed because I am a " risk ''. I explained that I have had my account with the company for YEARS, I have never paid LATE, and I have made several purchases with my card and I have NEVER had these issues until the late payment ( Which is NOW removed and updated on my report ) was added. She refused to listen- she did not attempt to assist me with an appeal of anything. PLEASE PULL THIS CALL. - The rep 's name I spoke to was XXXX ID # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$910.00} XXXX XXXX XXXX   XXXX {$920.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX : {$26000.00}
Product: Payday loan, title loan, personal loan, or advance loan

My XXXX credit report shows this unauthorized loan that i never received of {$3100.00}. from a Transform Credit Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. ( XXXX ) XXXX, XXXX # XXXX opened on XX/XX/XXXX  and closed on XX/XX/. This account is fraudulent and has a fraudulent address of XXXX XXXX XXXX, XXXX GA XXXX in which i never lived at. I have contacted the company by telephone and email to remove this erroneous account from their records and my XXXX credit file.
Product: Money transfer, virtual currency, or money service

My XXXX account has unable to log into Pnc bank to save me money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just completed a chapter XXXX bankruptcy and it was discharged XXXX/2017. The case was completed and is closed. Navient are now reporting we have now filed a petition for a chapter XXXX and we have not. Our case is closed and no petition has been filed but they are reporting this incorrect information to XXXX and wont updated it.
Product: Debt collection

Yesterday I received several calls warning me that I needed to speak to this debt collection company on behalf of the debt collector that day I pressed zero to talk to the company and it rang and rang and rang and never got anybody the first time the second time it finally got to somebody who had no idea why I was calling after checking on it they said that I owed from a loan taken out in Tennessee in XXXX I've lived in Georgia since XXXX it had my Georgia number but my address in Tennessee from XXXX that I have no access to at first I thought possibly my mother did this until I heard that it had my actual phone number then I was positive they are just lying this is absolutely 100 % false statement from them not only this but they continually send me emails asking me to get a loan my proof will be one of those emails if I already had a loan and didn't pay it why would they continually be sending emails to get a loan come on now that makes no sense not only that but I'm fairly certain that they got my information from me filling out a loan request for them but not taking it possibly in XXXX I did not like the times and I never would have agreed to it I have never taken out a loan from them that is not true something has got to be done about these companies getting away with this stuff I am positive that I'm not the only one that they've tried this to and I guarantee several people are probably fallen for this XXXX this is not the only company doing this XXXX every credit card company on my credit report falsely claiming I haven't paid them has been paid and overpaid why are they not getting in trouble for this something has got to be done about this
Product: Credit card or prepaid card

I purchased a hotel and sports ticket package with my citi MasterCard from XXXX in XX/XX/XXXX for a football match taking place in XX/XX/XXXX in XXXX, XXXX. The amount of the purchase was {$490.00}. XXXX XXXX was liquidated in XX/XX/XXXX and I did not receive any tickets or hotel stay. I immediately disputed this charge with Citi and they have denied my dispute twice.
Product: Debt collection

This was a loan that I never solicited either in person or online, the loan company just mailed a check under my name and in that a time I was needed of money, the interest rates are 33 % since I was never able to make payments they sue me without even letting me know by mail or phone, also an agent came to my house to threaten to sue me if I did not say the XXXX in full, now they entered into a judgment against me, which am learning it does violate my rights!!
Product: Credit reporting or other personal consumer reports

I called Bank of America because I was not able to open a Bank account on my behalf. I ordered XXXX XXXX  and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the Bank in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to Bank of America and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.
Product: Credit reporting

Last week the XXXX show me my credit report and credit score that is lowthe main reason is they cant confirm my identitybut when i log in the experian website to get my credit reportit shows they were unable to honor my requestso if i cant get my credit report how can the XXXX get my credit reportand i want to know how to get my credit report thanks for helping
Product: Credit card or prepaid card

I have multiple 0 % balance transfer offers on this card. 
I have paid regularly over the last 12+ months.

I requested that amounts over the minimum payment be applied to the first incurred debt.

The first incurred debt was where payments have first been applied over the course of the promotional period. 

For the XX/XX/2020 payment, the last month of the first incurred promotional period, I paid the remaining balance of the first incurred debt. Barclays applied a partial payment to the promotional balance that was ending and XXXX, and the rest to the promotional balance that ends in XX/XX/2020. 

This is unfair enrichment, deceptive business practice, and downright unethical. I request and adjustment, and Barclay claims their policy is to apply payments at their discretion. There is already case-law on this topic from over a decade ago. I'm requesting intimidate reversal of the payment, to then be applied as was directed in my previous communication with their customer support team. 

I am also seeking a discretionary credit to the outstanding balance for the time I'm spending disputing their unfair practices.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration with the recent outcome of my second attempt to remove a fraudulent items from my credit report. Despite providing comprehensive documentation and evidence proving the fraudulent nature of the item, I have once again been met with a disappointing response from your agency. 

I submitted a formal request to investigate and remove the fraudulent entry on my credit report, which has been adversely affecting my credit score and financial credibility. I included detailed explanations, supporting documents, and any other pertinent information required to facilitate a thorough investigation. 

However, much to my dismay, I received a response indicating that the item in question was verified as accurate and would remain on my credit report. This response was deeply disheartening and failed to acknowledge the clear evidence I provided, demonstrating that the item was indeed fraudulent and should be removed immediately. 

Despite my efforts, I was once again met with the same dismissive response, with no meaningful explanation provided for the decision to uphold the fraudulent entry. 

This repeated failure to address and rectify the fraudulent items on my credit report has not only caused significant distress and inconvenience but has also undermined my trust in your agency 's ability to conduct fair and accurate investigations. As a consumer, I have the right to expect that credit reporting agencies uphold their responsibility to thoroughly investigate disputes and act in accordance with the law. 

Therefore, I am formally lodging a complaint regarding the handling of my case and requesting that immediate action be taken to rectify this matter. Specifically, I demand that : The fraudulent items be promptly removed from my credit report. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is XXXX XXXX XXXX. I have a Wells Fargo account with a debit card. My card was stolen by XXXX XXXX XXXX. This is the second time he was stolen my debit card and I have had to cancel it, but I wanted to file a formal complaint that can be dealt with legally. I one hundred percent want to take legal action this time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according toTrafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Prepaid card

I received a {$50.00} AMEX prepaid card as a gift. Allegedly, this card can be used anywhere accepted by AMEX, but to-date it's been declined everywhere I've tried to use it without exception. 

As it stands, AMEX is now keeping {$50.00} from me, after having taken it from the person who purchased this for me as a gift and the card apparently entitles me to nothing. I just want to use the money on the card- the card that was paid for with actual legal tender.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards opened at XXXX on XXXX XXXX, XXXX, XXXX opened on XXXX XXXX, XXXX, XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, personal loan opened at XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX, credit card opened at XXXX XXXX  XXXX on XX/XX/XXXX, finance loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, utility accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX , and XXXX XXXX XXXX XXXX opened on XX/XX/XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Wells Fargo Nationwide marketing group. I purchased furniture with 12 months no interest financing from them. The furniture was delivered in two separate deliveries and consequently, there are two separate special term balances with different end dates. I receive one statement with a single minimum payment due. Wells Fargo applies separate minimum payments against each of the two balances. They do not apply the full payment against the balance with special financing that expires the soonest. The documentation does not state how much of a minimum payment is required against each balance. In discussing this with the company, they can not provide the minimum balance for next month. This makes it difficult to pay off the balance without paying deferred interest since I have no idea how much of my payment will be applied against the longer term balance. My contention is, if there are indeed minimum payments required against each balance then they should be clearly spelled out.
Product: Credit card or prepaid card

I did not apply for a credit card. I have received an email stated that I was denied. I have checked my XXXX account and Chase card is on my report. It should not be because I did not do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.
Product: Mortgage

We did a modification on our mortgage almost a year ago now & have not been late or missed a payment. We now have a charge on our mortgage statement of {$330.00} XXXX of what they are calling lender paid fees but no explanation of what those fees are for or who exactly they paid. Our mortgage statement shuts that they will not accept another mortgage payment until we pay this fee first. We have tried to contact them, only to be put on eternal hold and were given the option to press 1 for a return phone call, which we did, but still no returned call. I dont see how this is legal for them to access a fee out of the blue with no detailed disclosure of who they paid the fees to or what they are for & now refusing to take our next mortgage payment until we pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed already and information was updated but they have no records from XXXX then put a Charge off at the end of XXXX ... .. this is impacting my credit score. This account was paid in full ... .. I need the charge off to be corrected. My account was in great standing as long as I had the account.
Product: Debt or credit management

I contacted midland Credit Management on XX/XX/XXXX After receiving a letter of writ of Garnishment a default judgement from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) against my wages from XXXX XXXX in XXXX XXXX XXXX. I contacted them again XX/XX/XXXX to attempt to mediate and settle the FRADULENT Debt and informed them if they continued the Garnish and attempt to collect the fraudulent debt I would be taking Legal Action against them. I am looking for Compensation for Damages & an IMMEDIATE END to the Garnishment. 

The original creditor was XXXX XXXX XXXX  on a XXXXXXXX XXXX XXXX for XXXX $ which i NEVER used and asked them to close. They have been trying to collect a balance since and I have repeatedly told them and midland credit management that this debt was fraudulent. I made contacted with numerous employees who boasted about their " WIN '' on a default judgement and that they did not have to PROVE anything. that if I could prove the debt was fraudulent they'd stop the judgement. Their corrupt and deceptive trade practices needs to dealt with immediately. I reached out to the XXXX Attorney Generals Office and have consulted several lawyers.
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 recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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.