23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXOriginal debt was .. {$500.00} a, after interest and fees accumulated to XXXX XX/XX/17 also had a XXXX ./ the original debt has been. Paid to the creditor .. the secondary debt collector .. ( XXXX XXXX XXXX located ) will not update the credit beaureas and remove derogatory remarks from credit. I am recovering from the XXXX and attempting to recover my credit as well ..
Product: Credit card or prepaid card

I got a credit card through XXXX XXXX which uses XXXX XXXX. Sometime in XXXX I purchased a sweater for less than {$25.00} with the credit card to get a discount. At the store, I paid the balance in full at the same day using my debit card. 

Through a monthly credit monitoring tool, I found out in XXXX that the balance on the XXXX XXXX was {$55.00}. I was shocked and confused and on XX/XX/XXXX around XXXX I called the company to find out why I was being charged that amount. After being passed around for over an hour and 30min to different people from XXXX to the US, I finally talked with a person who said that I had to pay {$29.00} to make my balance current because the sweater payment didn't go through at the store. Since I was very frustrated at the confusing fees and lack of contact and communication, I requested for the account to be closed as well. I paid the amount and it was taken out of my bank account on XX/XX/XXXX. 

I asked the representative over 3 times to ensure that my account balance was XXXX and my account was closed. She gave me a confirmation number of # XXXX. I checked my monthly credit monitoring and now the account shows up as delinquent, closed along with a balance of {$59.00}. I've tried to call the company but no one is picking up and I can't reach out anyone.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
Account XXXX Account # : XXXX XXXX XXXX : {$230.00}
Product: Credit reporting or other personal consumer reports

I have requested for Bank of america to remove their entry off of my credit report that is over 7 years old. I got a call from them acting real nice and promising to help. Well they lied. I got no response at promised by friday. But lucky me, i still have bad credit because they are either too petty or incompetent or too corrupt to keep their word and remove a bad credit entry that is iver 7 years old. I am a single parent trying to move and i believe they derive joy from causing people pain.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX laws.
Product: Debt collection

On XX/XX/2021, Convergent outsourcing was placed on my three credit reports with XXXX, XXXX and XXXX as a collection account. Can you please show Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Credit card

I was walking through the XXXX XXXX in XXXX, Ohio and was passing by the Kay Jewelers store. A Kay Jewelers employee asked me as I passed if I was XXXX. I said I am XXXX. She said she needed only XXXX signatures that day to meet her goal and would I help her? I have goals at work too so I thought I would help. She said it was a newsletter and I would be getting something in the mail soon. She said she needed to ask me a few questions and was typing information on a tablet. Apparently, she was signing me up for a credit card as I got XXXX in the mail and my credit report showed I had a inquiry and a new account. I had no idea that she was doing this. Not once did she mention a credit card. I have n't ever had a credit card so I did n't realize that this was n't a newsletter but a credit card. Also, I have no one to buy jewelry for and I do not wear any myself so this would be the last place I would apply to get credit. I am very upset at my credit being affected and being lied to.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. I was never late!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request the removal of a charge off from my credit report. The negative marks are having a significant impact on my credit score and decreasing my chances of being approved for loans, credit cards, and other financial products. 

The charge off occurred due to a recent change in my living situation. Starting in XX/XX/2022, I was homeless for three months and was unable to make payments on my account. As per UCC 2-725, this situation falls under the category of " impracticability of performance '' as my ability to fulfill my financial obligations was hindered by circumstances beyond my control. 

I understand that charge offs can remain on a credit report for up to seven years, but I am hoping that the circumstances surrounding my situation can be taken into consideration. I have since secured stable housing and am working to rebuild my financial stability. 

I appreciate any assistance you can provide in resolving this matter and thank you for your attention to this request. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I requested to close my credit card with XXXX XXXX through the secure messaging portal on my online account. I received an automated reply stating that account closures could not be handled online and that I would have to call a respresentative. I called later that evening and spoke with XXXX different employees to have my account closed. I was told that the account was closed and I shredded the physical credit card. However, on XX/XX/XXXX, I received an alert on my credit report that the card had been charged the annual fee. I was able to log in to my online account and realized that the card had never been closed as was promised to me over the phone.
Product: Credit reporting or other personal consumer reports

XXXX is not allowing me access to my credit report and score. 

I have had an issue with XXXX unfairly loading my credit score after I applied with Capitol One credit card services. 

Capital One and XXXX both harassed me daily with credit pre approval invitation from Capital One and credit card match emails from XXXX suggesting I apply with Capital One. 

Ever since I applied with Capital One, XXXX is unfairly and deceptively denying me access to me credit report and score. During this time I asked XXXX why they decreased my score by XXXX points when I applied with Capital One they never responded and I gave not been able to access my account since. 

When I enter the CORRECT pass word XXXX alleges it is incorrect. When I request to reset password XXXX advised they are sending a text or call to my phone number. I never received the text or call. 

I feel XXXX is purposely denying me access to my account because they are in cahoots with Capital One Im trying to destroy CERTAIN consumers credit. 

XXXX needs exposure, investigating, and auditing. 

Please ask XXXX why they are violating my fair credit rights and why I am being denied access to my credit report.
Product: Checking or savings account

I finally actually received a card. I have for once the physical card in my possession but the problem now that I finally actually the card all the money that was in my account is gone except for XXXX dollars. Bank of america let someone activate my card spend my money and at some point I guess they ordered more cards. I went through it trying to figure out what was goi g on either my account in 2020. I filed for unemployment. I had received an email saying I would receive my XXXX  account nu.ber in the mail then a month later I get another email saying my information has been updated. I called till I was blue in the face so to speak never could even get through. So I went to a bank of america and was told they could not do anything unless I had the card and that I had to take the issue up with XXXX. Well that was absolutely impossible. I got some certification papers in the mail. I filled them out and sent them back so I knew I should have had some money in my account. How was someone able to get my my money when I couldn't even get my money! And now that I finally got my information updated with the XXXX  back to what it should have been the whole time I get the card activate it and my account is empty and they aren't doing anything but telling me they are working on it. I get my tax transcript and see that I was paid out something like XXXX dollars.
Product: Vehicle loan or lease

I got a car to XXXX XXXX in XXXX, California and Lobel, financial finance the loan and XXXX XXXX use my {$2500.00} down payment to pay off their fraud fees to the California DMV and then I have to turn around and pay {$260.00} to the DMV to get a full years registration, which was included in my loan agreement XXXX XXXX lied to Lobel financial about the state of the car and Ive had to pay thousands of dollars to repair it and Lobel financial refuses to put me in a new car or cancel the loan on this one and get me a new one or either way the loan costs more then the car and I want the loan forgiven since I have had to make all these extra repairs and and loan now costs more then the car and I want to be compensated for the fraud that XXXX XXXX and Lobel committed in order to keep me in this car. I only got this car five months ago and I had to pay more and repairs and fraud fees because of Lobel and XXXX XXXX in the car is worth, so I think i should own it
Product: Money transfer, virtual currency, or money service

PayPal defaults to its own currency conversion that includes excessive fees even when the consumer has previously opted out for previous transactions. PayPal does not provide consumers any way to permanently opt out of its currency conversion. PayPal introduces friction for each foreign transaction by requiring multiple clicks to opt out of currency exchange and obscures the fees behind a pop-up in fine print, streamlining unintended transaction approval. 

Transaction for XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX converted to {XXXX, which includes a fee to PayPal of almost 10 %.
Product: Credit card or prepaid card

my best buy credit card was charged with thing I did not purchase when I spoke to customer service they did not want to remove charges and this was going on for months
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, Transunion Thank you for sending me your internal records of the debt ( XXXX XXXX ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by XXXX XXXX Manager, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my UTILITY BILL for address verification and SS # AND DRIVERS LICENSE best regard XXXX XXXX
Product: Credit card

I did a dispute with chime on a purchase I made for custom clothing that was not as described. I was denied after sending solid proof 1. Text messages between me and merchant both agreeing that if my merchandise was wrong I receive a refund 2. The merchant switched production companies without my consent and when I complained he said next time XXXX make it right so at that point he knew he messed up. 3. I sent pictures of the merchandise missing tags and the huge sizes tht were wrong and proof of me complaining to merchant Chime denied me then re oped my claim and denied me again within a few hours! They did not investigate!
Product: Bank account or service

I noticed that my account had a negative balance. As I looked at the account, I noticed that a pending transaction was listed and the balance was positive but a {$35.00} overdraft transaction was incurred. I spoke with the representative and they stated that the pending transaction was included in my available balance although the item is still processing and the merchant has not processed a receipt. I feel as though this is an unfair practice that puts consumers at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report, I noticed an inquiry from Bank Of America ( XX/XX/2022 ), which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX To whom it may concern I have tried to resolve this problem with TransUnion I have already told them that there are two XXXX XXXX hard inquiries showing up on my credit report that I did not give permissible purpose also I have spoken to XXXX XXXX about these hard inquiries on my credit report they sent me a letter stating that they were fraudulent I would like them removed or shall I say deleted from my credit report immediately I will post the letter from XXXX XXXX stating that these inquiries were fraudulent here is the letter that XXXX XXXX sent me about these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX is a federally registered service mark. All rights reserved. 
XX/XX/XXXX Re : Fraud Applications XXXX  XXXX Case : XXXX CFPB Case : XXXX Dear XXXX XXXX XXXX Were reaching out to you about your request to the Consumer Financial Protection Bureau ( CFPB ), regarding hard inquiries you said were showing on your credit file. 
On XX/XX/XXXX, and XX/XX/XXXX, we received applications for credit using your information. Our Fraud Department was unable to confirm these applications were submitted by you. 
On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( CRAs ), asking them to remove the hard inquiries dated XX/XX/XXXX, and XX/XX/XXXX. The CRAs will determine how these are reflected in your credit file. If theyre unable to remove the hard inquiries completely, they may change them to soft inquiries. Soft inquiries do not have any impact on your credit score. It may take the CRAs up to 90 days to update their records. 
If youre concerned that youre a victim of identity theft and have not yet placed a fraud alert on your credit file, you may consider contacting the agencies directly to do so. Here is their contact information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX www.equifax.com TransUnion LLC Attn : Fraud Victim Assistance Dept XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX www.transunion.com For more information regarding identity theft protection, please visit our website at XXXX. 
Additionally, you referenced an additional inquiry showing with US Bank on XX/XX/XXXX. 
XXXX XXXX is unable to speak on behalf of other financial institutions. Please contact US Bank for any additional questions or concerns you may have regarding the additional inquiry included in your correspondence.If you have questions or concerns, please call XXXX. Our Customer Service Representatives are available 24 hours a day, 7 days a week. 
Sincerely, XXXX XXXX XXXX XXXX XXXX cc : Consumer Financial Protection Bureau please delete these hard inquiries immediately from my credit report also send me a updated credit report reflecting these changes sincerely XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/2018, I applied online for a credit card of XXXX XXXX Visa Card by Citi. The Citi credit card company denied my application immediately after I submitted online even I have good credit and good credit scores.Also, I am a XXXX member ( XXXX membership number XXXX ) while many others people have much lower credit scores than mine still got approved,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me XXXX  ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ), XXXX XXXX XXXX
Product: Debt collection

I contacted Diversified Consultant In a few weeks ago about account that showed up on my credit profile. I explained to them that the account was not mine based off the last XXXX digits of the social security number. I disputed this account with the credit reporting agencies and I am getting no where with them. I write this company a letter and contacted them via phone on XX/XX/2016 to try to get assistance and they said I need to contact the creditor if I had a dispute. They are the ones reporting and they refuse to correct the issue. I am at wits end and I do n't know what to do besides file this report to get assistance. They are not following rules and guidelines of Federal Crediting Reporting Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have express mailed my dispute letter, FTC report, and police report to XXXX  at XXXX XXXX  XXXX XXXX, TX XXXX since XX/XX/XXXX regarding a fraudulent account IQ DATA XXXX # XXXX reporting date opened XX/XX/XXXX balance {$10000.00}. I have called XXXX  and opened a dispute with a representative on XX/XX/XXXX after mailing my documents. After calling to check to status of my dispute with XXXX  each time I call XXXX  representative keep reopening new dispute which is prolonging my results on my original disputes. I am requesting a complaint to be forward over to XXXX  fraud department supervisor or higher to combine my disputes with IQ DATA and  complete my results with my original mailed in dispute data as of XX/XX/XXXX FTC report. I have also twice uploaded supporting documentation with Report Number : XXXX Date Generated : XX/XX/XXXX. Please I have called everyday once a day to get help with this fraudulent account IQ data.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain 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.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about
to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Mortgage

I was dealing with a loan officer thru Prospect Mortgage. My loan officer left in the middle of loan process to go to another mortgage company. We had the inspections and appraisal completed. We were waiting on the sellers engineer report and either my work transfer paperwork or a job proposal letter. Once the engineers report came back XX/XX/XXXX, I was told that I had until XXXX XXXX to get either transfer paperwork or job proposal letter. The new loan officer called the sellers agent and told her he was denying my loan because I did not have either transfer or job proposal letter on XXXX XXXX or XXXX. He then calls me and gets all XXXX with me and informs me that he had a responsibility to sellers agent to let them know that I did not have what I needed so he was going to deny the loan. I begged him not to yet as I did not think it was being fair that he had given me until XXXX XXXX to produce one. I had a good possibility at that time on a job offer but did n't want to mislead anyone. He was aware though that I had had a few phone interviews and I was hoping to have an off before XXXX XXXX. Come to find out while he was threatening me to call the sellers agent, he had already called her prior to talking to me and she had relisted the home, they got another offer on it and accepted it. They never cancelled the contract in which I had with them. I immediately called my agent. I did in fact get a job proposal letter by Monday XXXX XXXX, 2016 I had the job offer and sent it immediately to the loan officer. He said it was too late and that he was denying my loan. That was totally wrong since he had specifically given me until XXXX XXXX to get the info to him! He and my agent had a conversation concerning the fact that I was never given a denial letter, nor did I get a cancellation notice from the sellers agent. When she asked him if he was giving me a denial letter he did not respond.