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

Twice in 2018 Lowes charged me a late fee on payments electronically delivered to them a week prior to the due date ( they are on auto-pay ). They also billed me interest on in-store purchases that were paid off 5 minutes later with a cash transaction. I called in XXXX of 2018 and they said my account wasn't properly coded, but they fixed it so I was all set. The issue remained so I called back in XXXX of 2018 and again it " wasn't properly coded ''. Both times I was told I'd be credited back for interest improperly billed / the late fees I was billed. No credits were applied to my account for either of these issues. 

Another complaint, this is a Lowes Project Loan and Lowes abandoned the job. I am being charged interest on a job they abandoned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted minimum 3 disputes per account below through XXXX XXXX to XXXX XXXX and XXXX with no help. 

The following inquires are not mine, I have no knowledge of them : AMERICREDIT : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number:XXXX 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.
Product: Credit reporting

I have contacted Equifax and I have sent them documentation showing that the creditor gave the wrong information on the judgment and they have refused to remove/or update this on my credit record. The creditor XXXX XXXX had a property management company XXXX XXXX XXXX to manage his home. I got behind on rent in XXXX of 2010 and they filed an eviction. I paid the rent and all other fees on XXXX XXXX, 2010 the property managment company acknowledged when it was paid and reflected the correct date on the information that they sent me and to the courts. The credit bureaus are refusing to update the correct information and is causing my credit history to reflect negatively.
Product: Checking or savings account

This is a complaint with Chime Banking. I've have yet receive my XXXX check and they are saying that they haven't receive it from XXXX. I've emailed them a copy of the paper I received from XXXX saying that Chme has processed and receive the deposit and It has never went in my account. So now I'm at {$800.00} for late fees for rent. Where I'm at cause of Chime not putting my money in my account.

Chime is supose to put my money in on the 3rd of every month and I've yet seen any deposits in my account sense. The only one I receive was the one in XXXX and that was a reissued 0ne. 

Thank You Very Much
Product: Credit reporting, credit repair services, or other personal consumer reports

**THIS IS NEW ORIGINAL INFORMATION** Attached is a letter I found from Citi Simplicity titled " Account Approval Notice '' dated XX/XX/XXXX - the same month that according to Citi I was already 60 days late. 

I opened the card in XX/XX/XXXX, had identity theft that reached both of my Citi Cards through XX/XX/XXXX. I could not pay online or pay by phone during this time. I had new cards reissued and new accounts apparently. 

THE ATTACHED IS **NEW PROOF** THAT THE COMPANY IS INCORRECT. 

I had previously filed CFPB complaints which were denied by Citi ( XXXX ) and ( XXXX ) Please help me clean my credit so that I can put the identity theft behind me. 

Thank you, XXXX
Product: Debt collection

My case worker received the information on this debt. I believe that the original creditor is trying to collect the wrong amount of {$1500.00}. These charges are for damages made after a tennant moved from there residence in XXXX. I was renting that same trailer in XXXX. There trying charge me for damages that aren't mine.
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THESE FRAUDULENT INQUIRES BEING REPORTED ON MY CONSUMER REPORT 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 THIS IS A VIOLATION UNDER 15 USC 1681c-2 ( a ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report with the XXXX as well. A few weeks ago, I received a notification from XXXX and XXXX that someone had reported collections on my credit report. Mind you, I have never received any documentation as to this and I don't have any open medical bills or unpaid debt. I looked and found out that it's from Midwest Recovery Systems. Currently, they are claiming I owe for 4 accounts which goes like this ... {$2800.00}, {$290.00}, {$280.00}, and {$97.00} for a total of {$3500.00}. They are claiming that its for a day that I was seen somewhere which is impossible because on that particular day I was moving and driving 3 hours away from where I had lived. I also told them that I have always had medical insurance because I am on welfare so I don't owe them any money and they lied and fraudulently placed those accounts on my credit report. I got a message from the XXXX  and Midwest Recovery Systems yesterday XX/XX/2019, in which they stated, " Midwest Recovery Systems has further reviewed your account. We have sent notification to the credit reporting agencies to delete this account from your credit report. Attached to this response you will find a copy of this deletion notification. '' So, I called XXXX to verify this and to verify that they have received the deletion pdf 's and they told me no, they do not have any such thing. What a surprise!!!! I am going to inform the XXXX that Midwest once again lied and has shown that they are frauds and since they aren't accredited, they should be shut down. I will attach all of the proof that I have.
Product: Credit card or prepaid card

I have been enrolled in Autopay and the minimum payment that was due this XXXX was not taken out on XX/XX/2020 like Capital One was supposed to and so I was wrongly charged a past due fee of {$28.00} on XX/XX/2020 to my Capital One Walmart Rewards credit card. They say it is because I had cancelled my payment. On XX/XX/2020 I had made changes to my account where I had first cancelled my minimum payment so that I could make a higher payment for XXXX. However, that same day I changed my mind and decided to cancel the higher payment so that only the minimum payment would be taken out for bill due XXXX. That was the last change I made. I never cancelled my Autopay. Furthermore, on my Capital One account it states that when enrolled on Autopay they will debit my AutoPay Bank Account on my due date even if I make other payments so it should have been taken out on time. I have spoke to several representatives including two account managers with Capital One and they are refusing to refund or waive the {$28.00} late fee that I was wrongly charged. The representative stated it is because it was modified so it would have not been taken out until the next billing cycle. However, XX/XX/XXXX was the last time I had made a change and it was to cancel the higher payment. That should be enough time for the autopay to take effect and the change I made should not have effected the minimum payment that should have been taken out XX/XX/2020. In addition, after first speaking to a representative on the phone who was unable to resolve the issue I decided to write online to a representative to explain this and the representative was not only unable to assist me they responded to me with exclamation marks " I am not able to remove the late fee! " ... " It can not be fixed! '' and as I was still typing another response to them this representative quickly ended my chat session before I was able to send it.
Product: Credit card or prepaid card

I recently applied for Discover Card on Wednesday - XX/XX/XXXX at XXXX and received an Approval Notification stating that I would receive my card within 5-7 Business Days and was Congratulated on the Offer. However, I then received a " bait and switch '' notice on Saturday - XX/XX/XXXX requesting a copy of my Tax Transcripts which Discover Card had XXXX ( Security Breach Firm ) send to my email requesting that I submit a Form XXXX, after they had approved my Credit on XX/XX/2022. Also, my scores took a negative hit on XX/XX/XXXX, after applying for the Discover Rewards Card. Also, this a Discriminatory Practice against XXXX XXXX Americans who are heavily and unnecessarily scrutinized for applying for a Discover Credit Card. This request was very biased and subjective with their random requests. This is an issue because Discover has already verified my Credit and identified other open lines with major companies. So, the " bait and switch '' is an illegal discriminatory practice targeted heavily towards XXXX XXXX Americans. There are other ways to verify a customer versus requesting your Tax Transcripts via a XXXX Form they forced XXXX to send out as their 3rd Party Vendor who has also been sued for Security Breach issues as well. 

When I called Discover Card on XX/XX/XXXX, after receiving this outrageous and outlandish request which also alludes to FALSE Advertisement and Misrepresentation when applying for Credit that was approved on XX/XX/XXXX, I was threatened by the Customer Service Representative and Discover Card that if I did not turn over my Last 2 Years Tax Transcripts, they would Cancel the card which was enroute and I would not be able to utilize the card. After, I informed them that I would not turn over my Tax Transcripts, based on this biased and blatantly Discriminatory practice which also evades and violates my privacy as U.S.Citizen, XXXX XXXX American Female, and U.S. Veteran, they threatened me again and said they would Close my account, after they had already approved the account on XX/XX/2022. 

Bait and Switch is against the Law. I only applied to receive a Credit Card and have never had a Credit Card Company request your IRS Tax Transcripts. This is also a typical Stereotype that Discover Card Financial Services has towards XXXX XXXX Americans - implying we don't trust you or believe you are eligible to receive this card, so prove it! '' This Stereotypical behavior is also Biased, XXXX, and Discriminatory.

I received the Card and can not use it unless I turn over my Tax Transcripts or the Creditor Discover Financial Services has threatened to Close the account which would further Negatively Impact my Credit Score. This is Wrong and Illegal. You have Negatively impacted me already on XX/XX/2022, after I applied for the Credit and now you want to Negatively Impact a XXXX XXXX American Female who has stated " No, I am not turning over 2 years or any year of my Tax Transcripts to Discover Card for a Credit Card that was already approved on XX/XX/2022. ''
Product: Checking or savings account

Sometime between Monday XX/XX/21 and Wednesday XX/XX/21, I received a Chime Visa Debit Card that I did not request for an account that I did not open. I contacted Chime via email on Wednesday XX/XX/21 to let them know this and to request that they cancel the account. After a couple of automated responses and requests for more time, on XX/XX/21 Chime requested that I send them a copy of the debit card that I received. I complied with this request also on XX/XX/21. Later on XX/XX/21, Chime sent an additional email asking me to send them a copy of my " valid government-issued ID '' and the last 4 digits of my Social Security Number. I responded on XX/XX/21 that I am not comfortable providing them with this personal information over an unsecured email but they responded with another email on the same day insisting that I provide them with the additional personal information they requested. On XX/XX/21, I sent Chime another email declining to provide the personal information that they requested and told them that I would contact FTC/CFPB instead. Later on XX/XX/21, Chime responded that they would block the account to prevent unauthorized access and I responded on XX/XX/21 that I would like them to close the account and not re-open one in my name without first contacting me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00}. XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern I just recently looked at my credit report. I wanted to make sure everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year>XXXX XXXX XXXXXXXX was transferred from XXXX to Wells Fargo by check. Promised to clear in 2 days. A call was received by Wells Fargo for a 3 way call to XXXX. The XXXX verified I am the person on the check and on the account. Funds were released to Wells Fargo. Wells Fargo then explained to me 3 days later that account was frozen. Funds frozen. And my account would be deleted. This is theft. Fraud. Legally can hold funds for 14 days. 16 days I do not have my funds and they are still telling me there is no resolution on the account. 
The money is for XXXX aunt on a reverse mortgage to pay her bills. This is now XXXX  abuse. They were informed. They do not care. 
Attorney is now involved and I will be lobbying to have Wells Fargo removed from the state.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in documents to Experian explaining how personal information was on my report that did not belong to me such as names, addresses and SSN, to my knowledge those information was removed, however the negative accounts that were associated and opened with those such names, addresses and SSN that were deleted from my report are still listed on my credit report, these negative items are affecting my ability to build my credit and is a clear violation of my rights, these negative accounts do not belong to me as its been well over 45 days plenty of time for the company to correct and delete these items associated with those personal information that did not belong to me in the first place.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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

Equifax refuses to dispute these items XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX XXXX total amount {$950.00} XXXX XXXX XXXX Open XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Total amount {$1100.00} XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX The amount is {$300.00} XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX {$670.00} is the amount All these accounts are fraudulent and furnished on properly someone stole my identity and used to rack up medical debt the XXXX XXXX XXXX XXXX XXXX   never used XXXX XXXX XXXX and they're showing up on my credit report which Equifax refuses do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Auto Finance coded my credit report on all XXXX credit bureaus XXXX days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the Wells Fargo App with is corrected to my Wells Fargo Checking Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account XXXX supporting my compliant. My payment was not 30 days late.
Product: Credit reporting or other personal consumer reports

TransUnion verified a debt I with a company I had no contract or bussiness with. XXXX is the companys name. I was victim of the breach and repeatedly ask transunion to verify debt with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS RECIEVING MAIL AND PHONE CALLS ABOUT DEBTS THAT I WAS UNAWARE OF SO I DID MY INVESTIGATION AND CHECK MY CREDIT REPORT AND NOTICE THERE WAS DEBT I KNEW NOTHING ABOUT SOMEONE HAD USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report me owing a balance. This account has been paid in full and should reflect as such. 

XXXX is required to refund the remaining balance of my consumer account. I am now requesting the full amount due immediately to avoid legal action. 

( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;
Product: Debt collection

Debt was paid there is no collection and yet it is being reported on credit file as a collection.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 TransUnion
Product: Debt collection

I closed out my XXXX XXXX account in XXXX and I forgot to return the equipment back to XXXX in XXXX. I came to the XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XX/XX/XXXX to return the modem back to XXXX. The XXXX returned it on XX/XX/XXXX. However, XXXX and collection company stated that they have not received the item that I returned. I called XXXX more than 10 times and they were positive that the item was returned, and XXXX received it. 
XXXX  and collection company have placed a collection in my credit report just in XX/XX/XXXX. This is wrong because I have returned the modem as promised. The XXXX employee at this location can verify that he returned the equipment back to XXXX
Product: Debt collection

I am being told that I have made a loan during the time that I was not at home and my book bag and identification was stolen or lost between Florida and North Carolina my identification had my home address in XXXX XXXX on it I've asked for a copy of the contract with my signature and they provide a copy of a contract with no signature only my information furthermore I was notified by somebody that there was a filing of breach of contract by this company and then when I called the company they denied it the company is CashNetUSA
Product: Debt collection

I have multiple sclerosis and all of the collections in my report are medical bills. I just cant afford them. Ive paid off all my other debt besides my car
Product: Credit card or prepaid card

This is the second time this has been done to Mrs XXXX by this bank, they have marked her payment as missing or past 30 days late both times now falsely. The one that was marked in XXXX was paid w the rep and marked as 30 days past due over {$2.00} when the payment that was made was made with a rep they did the math removing the late fee and then told Mrs XXXX what to pay. 
This incident alone in XX/XX/2020 dropped Mrs XXXX credit 50 points due to no fault of her own. Now it is showing that XXXX was marked 30 days late and dropped her credit yet again but XXXX was fixed. The payment in XXXX was made on XX/XX/XXXX the due date is the XXXX Mrs XXXX has been informing this company the XXXX is not possible since the pandemic has started and has requested her due date changed multiple times on a recorded line since XXXX and its now XXXX to no avail they keep hitting her with late fees at this point it seems purposely Mrs XXXX has an amazing history w this company and her cards her frontier card limit went from {$1000.00} to {$9000.00}, the account didnt start to have issues until The pandemic has hit and again to NO FAULT of her own. Barclays will be lucky if they dont receive a lawsuit for the amount of my refi that I lost due to their company doing illegal and unethical things to me like fraudulently reporting my XXXX payment was late ruining my credit for no reason at all or marking on my credit report a payment missing of less then one percent of the payment that was given and again paid with by your rep. If it were the other way around I would have penalties and consequences why would Barclays not