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

On XX/XX/2020, my daughter XXXX ( XXXX ), lets me know she can't find the credit card she shares with me. She believes it's misplaced and we order a replacement from Citicard. 
After a tumultuous 2 months during which I lose both my parents to XXXX, on XX/XX/2020, I check my credit card statement and spot XXXX fraudulent transactions for a total of {$10000.00}. 
I immediately contact Citicard, cancel the card and order a new one. I am told to fax a copy of my statements, circling the fraudulent transactions. The fax is sent on XX/XX/2020. 
Without any news, in XXXX I re-contact the fraud department. It seems they have not received my first request to reverse the charges. Over the phone, we go over the fraudulent transactions. I am told they should be reversed within XXXX cycles. 
In late XXXX, Citicard informs me the investigation is closed and deems the transactions valid, because my daughter had the card in her possession. 
Over the phone I contest this point to no avail. 
The fact is my daughter was visiting XXXX, NY. She believes the card was stolen at a restaurant there, on XX/XX/XXXX. She never filed a police report because she didn't think, at the time, that it was stolen. 
The fact that I kept using the card while my daughter 's card was also used fraudulently is interpreted by Citicard as " we had the card ''. 
I explained at length that we didn't know my daughter 's card was stolen. To no avail. They refuse to hear my explanations. 
The pattern of fraudulent transactions clearly shows a very unusual pattern and could/should have been spotted by Citicard. 
At this time, Citicard refuses to listen to my explanations and keeps charging me interest on the fraudulent transactions. 
I have been a Citicard customer for XXXX years. It is the first time I have a similar issue with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, XXXX, AND CREDIT XXXXXXXX XXXX, XXXX. is obligated by the FCRA to report accurate accounting. XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXX ARE NOT TO REPORT NEGATIVE TRANSACTION HISTORY PER SECTION 603 ( 2 ) ( A ) ( i ) ( ii ) ( iii ) and SECTION 624 ( a ) ( 1 ) ( A ) ( B ). 

XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. ARE REPORTING TRANSACTION HISTORY AND UTILIZATION IN CONTRAVENTION OF THE FCRA. 

Consumer has advised XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXX. IN THE PAST OF ALL the inquires reported as fraud. Said company had four business days according to LAW to remove transaction history reporting including CREDIT UTILIZATION. XXXX fraud report will be filed on behalf of consumer, consumer is now requesting XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. to provide the documentation used to determine inquiry, TRANSACTION HISTORY AND CREDIT UTILIZATION was indeed authorized by the consumer, XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. Consumer is not asking for an XXXX report. If XXXX, EQUIFAX, XXXX, AND XXXX XXXX XXXX XXXXXXXX. does not have documentation to show TRANSACTION HISTORY AND UTILIZATION were in fact authorized TO REPORT TO CONSUMER CREDIT FILE/REPORT it must be removed immediately. 

XXXX, EQUIFAX, and XXXX ARE NEGATIVELY REPORTING LATE PAYMENTS IN CONTRAVENTION OF TIMING OF PAYMENTS : 15 USC 1666 B HOW MANY TIMES MUST A CONSUMER FILE CFPB COMPLAINT AGAINST XXXX, XXXX, and EQUIFAX FOR INACCURATE REPORTING AND VIOLATIONS OF THE FCRA BEFORE THEY CEASE TO CONTINUE THEIR OBSTRUCTION OF COMMERCE. XXXX, XXXX, and EQUIFAX ACTIONS HAVE BEEN EXTREMELY INJURIOUS TO MYSELF AND MY INALIENABLE AND UNALIENABLE RIGHTS AS A CONSUMER AND THE XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I asked them to remove this from my credit report, because I don't have a contract with them
Product: Debt collection

I am trying to understand what is going on what the payments to this account. My account is set up for auto-debit. The amount to be debited was supposed to have been calculated by XXXX to include the accumulated interest between payments. I am reviewing the payments made relative to the accumulated interest, particularly for XX/XX/2017, and see that the interest amount kept accumulating despite the monthly payment amounts exceeding the monthly interest accumulation. I don't understand how this is possible, especially since I am now learning that this loan is re-amortized on a quarterly basis. My loan statements indicate the monthly payment was being entirely applied to interest, and yet the interest kept going up, in some cases by hundreds of dollars in-between months. 

I have previously asked for the terms of my loan agreement, specifically that part that addresses interest rate calculation, amortization, and other pertinent terms to the calculation and pay-off of my loan. My monthly loan payment was changing, and I did not understand why this way occurring. I even went through the CFPB in an attempt to obtain the relevant documents. CFPB closed out my case after XXXX responded, and did not provide me an opportunity to indicate whether the information provided addressed the issue. XXXX responded that the monthly payment changed due to changes in my interest rate. However, to date, I have only received a two-page promissory note, but nothing with the loan interest rate or calculation formula. I have requested this information so that I can review it. I do not have a problem with paying an owned debt ; however, I would like to know how the debt is determined so that I can make informed decisions as a consumer on how best to resolve the debt. This issue is only occurring on my XXXX student loan serviced by XXXX. Each time, both entities keep telling me I need to go through the other party for the requested information, resulting in me not being able to obtain the information from either. Attached is all of the information I have received from either party relating to the terms of my loan. The document DOES NOT address the loan terms, but simply defines ( incompletely as terms are clearly missing ) them.
Product: Debt collection

I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or compay .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Product: Checking or savings account

On XX/XX/XXXX I received an alert from XXXX that an attempt to open an account with Fifth Third Bank was made. I waived this as not an account I attempted to open. On XX/XX/XXXX, I learned from a Fifth-Third Bank representative that a business account was opened on XX/XX/XXXX using my name and social security number. The representative would not provide any further information citing that I was not the person who opened the account, despite that it was opened using my personal information. 
Several attempts have been made by XXXX to intervene on my behalf and Fifth Third Bank has refused to acknowledge my notarized POA to XXXX, or provide any information. 
On XX/XX/XXXX, I was on yet another call with Fifth Third Bank and XXXX and they still refused to provide any information regarding the fraudulent account. The amount of damage to my credit is unknown as Fifth Third Bank continues to protect the criminal and due to several notices provided, is complicit in this ongoing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am having an issue with XXXX XXXX and Experian. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX XXXX is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX funding. That means I have no contractual agreement to pay then an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Bank of America I'm missing my unemployment checks during covid caused me to be homeless I live in Kentucky.
Product: Checking or savings account

In XXXX of 2021, I opened a checking account with Wells Fargo online. About a month weeks later Wells Fargo closed the account due to personal info that wasn't provided by me within a timely manner. The account closed with an amount of {$540.00}. I spoke with rep from the complaints department, and she stated that I had to visit a local branch to receive the remaining balance from the checking account. The rep informed me that the nearest local Wells Fargo branch is XXXX hours from my place of residence. The rep provided the bank 's address and phone number to set up an appointment. I called the branch to set up a time to pick up the cashier 's check. The issue was forwarded to XXXX at the XXXX XXXX XXXX XXXX XXXX, IL location. XXXX stated it wasn't a need for me to drive XXXX hours away and that all he needed was for me to sign a form and when I returned the form, he would send the check via XXXX. A week after I returned the form, XXXX stated he hasn't heard from his boss and to call back or he'd call me back with more info. I've communicated back and forth with XXXX within a 45-month span. XXXX weeks ago, XXXX informed me that the check is being sent off via XXXX, the check comes with a tracking number. Unfortunately, I never received the check. Since then XXXX has been avoiding my calls and will not return my phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed XXXX auto loan account is reporting a late payment in XX/XX/2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being pregnant and many complications. Please advise, thank you and XXXX bless. 
XXXX Account # XXXX ....
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 
I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company is LexisNexis an employee at XXXX brought matters to my attention and when i inquired about it further I was told that they are handling that in the back office. Requested to speak with a Bank Manager and was denied. I inquired again at a later time and it was blown off and denied to speak with a XXXX Bank manager. 
I contacted LEXIS Nexus filled out form electronically and printed a hard copy and mailed. This was back in XX/XX/2023. I still have not gotten any answers. 
What is the actual mission of Lexis Nexus. I will say it again that I believe my niece and her partners ( some work at XXXX ) are money laundering through my account.
Product: Credit reporting or other personal consumer reports

I contacted TRANSUNION, XXXX, and XXXX on multiple occasions to rectify these illegal transactions on my credit report that i did not authorize nor gave authorization to anyone!! hard inquires : 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 
UNAUTHORIZED ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a mortgage application to PenFed Credit Union. As soon as I submitted the application, my credit was checked with all 3 credit bureas. I did agree to one hard pull to process the application. That was fine. 

However, on XX/XX/2021 when I called to follow up on the mortgage application, the mortgage specialist pull me on hold to review my application and documents, and he inadvertently requested my credit for a SECOND time.

I pay for services that alert me when my credit is pulled. I immediately informed him over the phone of what happened. The representative was clueless and swore he did not request my credit again. Only 1 inquiry was needed. There was no need to run a second time. The representative though I was probably seeing the same as yesterday. I was very clear that it was two independent inquiries they ran.

I provided evidence to PenFed on multiple occasions, called over the phone, spoke to multiple departments and kept complaining and PenFed took no action. At the time, they were perplexed because in their system they couldn't see that my credit was pulled twice. I had to send them the evidence, and even with the evidence, they took no action! 

It has been well over a year and the additional credit inquiry from XX/XX/2021 is still on all my 3 credit reports. 

I'm attaching evidence of the inquiries on XXXX and XXXX. These are also showing on transunion. Please have them all removed.
Product: Debt collection

I received a letter from " XXXX XXXX XXXX, XXXX. '' purporting to represent " XXXX ''. The letter is dated XXXX XXXX, 2016 and alleges that I owe {$1600.00}. The letter does not advise of an alleged initial loan amount, date of alleged loan, this office 's license to collect in my state, or any other identifying information about this alleged debt. This letter states that I have " ignored repeated demands for satisfaction of '' the debt, although this is the first letter I 've received from this office. The letter then unlawfully threatens me with " an additional cause of action '' and " significant increases ( of the alleged debt amount ) due to added costs and charges if additional ENFORCEMENT ( emphasis added ) is needed ''. 

This letter is threatening, falsely states that I have been previously contacted by this company, and provides me with no identifying information of what this alleged debt amount was initially or when I was ever contacted regarding the alleged debt. The letter further states that if information " furnished by ( me ) is determined to have been false, an additional cause of action may be instituted against ( me ). '' No information to which I am entitled by the FDCPA has been provided to me with this letter. Furthermore, there is no indication of the alleged original loan amount. In the state of Maine a payday lender may not charge interest on a loan per Maine 's XXXX Agency.
Product: Student loan

Hello, On XX/XX/XXXX, I requested a refund of all loan payments that I made from XX/XX/XXXX to XX/XX/XXXX. Unfortunately I only received a refund for the XXXX payments that I made. A month ago, I requested the refund of XXXX $ payments that I made during XXXX that the company missed to refund me with the XXXX payments. I have been waiting for a month now to get my refund. Please help. Thanks
Product: Payday loan, title loan, personal loan, or advance loan

I was out of work for 3 months with out getting a paycheck. I was diagnosed with a XXXX XXXX and I was out of work. I am behind on all of my bills. I made one payment last month to this company and plan to make another one this month by the XXXX. It is all that I can do right now. One of the employers name XXXX is calling my job after I have asked them not to call my job twice. I get left voicemails everyday during my work hours on my cellphone. They are harassing me. I do not want them to call my job or my cell phone anymore. I will get them a payment by the end of the month and at least once a month until I can pay more
Product: Debt collection

On XX/XX/XXXX I was contacted by a company called F & M Capital who said I owed money to a payday loan company from XX/XX/XXXX. The name of the Payday Loan Company was  through an XXXX XXXX named XXXX XXXX XXXX. I was going through a divorce in XX/XX/XXXX, and needed money to pay for my attorney to keep the custody of my children. I thought I had paid all of my debts, and transferred them when I moved, but I somehow missed this one. I was threatened by someone named XXXX with legal repercussions to include my not being allowed to open bank accounts in the future and said I committed fraud. I did not know the amount I borrowed, and he said I had made payments at first, but stopped. I explained that I moved, and did not know all of the debts did not move with me. I asked how much I owed and he said {$1500.00} was the original loan amount. I asked if I could pay that amount, and he said no- that I now had to pay {$7800.00}. I asked him to mail me paperwork showing me this loan, and he said he couldn't. I told him I was willing to pay them the entire amount in full, as I was unaware of the debt, but needed to see how much I borrowed. He said he couldn't but he would settle with me for {$3100.00}, as he " understood my situation ''. Again I asked for paperwork. I received an email in which they told me I needed to call the loan company directly to get the paperwork through a " chain of title ''. I don't have a record of this loan. It doesn't show up on my credit report, and I feel like they are illegally threatening me. I also don't know how they could possibly charge me now so much more money even after I offered to pay the amount of the original loan. Can you please help me? He calls a few times a week and has reached out to my family members as well.
Product: Debt collection

Despite my sending a letter prohibiting calls to my place of employment, and notifying collector that my place of employment does not permit such calls, debt collector continues to call my place of employment
Product: Credit card or prepaid card

Hello, I'm writing in regards to application for a NFCU credit card done online. I was disappointed to hear of my denial considering my efforts over the last few months to improve my credit. Recently, I've taking steps to improve my credit reports that been riddled with inaccurate information. I currently have all my most recent accounts in good standing. No recent late payments and pay all my bills on time. I have been a valued customer with navy federal credit union for over three years. I might had some hard times with my account but other than that my account been in good standards. Navy federal states that they don't based you credit application on consumer report but you will still get an inquiry. Therefore, they based your application on your Transunion report and also your navy federal credit scoring system. Therefore, they have violate my rights as a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( **The Navy Federal Credit Union ** ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 I've done an excessive amount of research on various types of credit & what's need to build a satisfactory score. I've taken money management & a credit 101 class offered through my employer. I'm not asking for a large amount of credit, but simply enough to enjoy the wonderful benefits of the credit card while also continuing to prove my value & creditworthiness to you as a customer. I'm excited about the great perks & features that are associated with this credit card. I'm hoping this letter finds it way to someone who can help me get this application reconsidered, however I'm not authorizing an additional credit pull.

I also have the navy federal credit union NReward card that been in good standards since I got it and no credit limit increase. Please could someone review both accounts.

Below, I attached a letter in writing that I sent to them for reconsideration on my credit profile.
Product: Debt or credit management

Per the company they didnt provide what was stated in their contract and products provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently obtained copies of my credit report and noticed unauthorized items being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 pulled my credit report because score was low realized that 20-monthly car payments not reflected on credit file from original lender ( Pelican auto Finance ) not one payment was ever reported. In XX/XX/2018 loan was transferred from Pelican Auto Finance to Westlake Financial Services. In XX/XX/2018 reached out to the current lender explaining 20- monthly payments wasn't recorded to the 3-major credit bureaus ( XXXX  , XXXX, XXXX ). Westlake sent a written response stating there is nothing they could do about the current situation. My loan with Westlake Financial is reporting with the credit agencies, but it reflects a new loan as appose to an existing loan.