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

In light of the Covid19 crisis under the mandate of NY, my retail business, cards & gifts has been ordered to close the doors to the public as a non-essential business. It has been three weeks today that we have not been allowed to make any walk in sales. In the meantime my credit card holder JP Morgan Chase. has decided, that even though I am currently out of business and not generating any walk in sales to continue to accrue interest. At this rate, with my business closed for the foreseeable future due to the NY mandate, the costs of the accruing interest may be in an insurmountable debt the will put my business with all of it's employees in peril. Even when we are allowed to open our doors again, it may be a long time before retail sales for a card and gift store return to a normal level. We have been in business almost 44 years now and have a perfect record in paying our creditors, our government agencies, our employees and our vendors.Please, please contact JP Morgan Chase to apply pressure to reverse this greedy, unattainable, unforgiving, lack of empathy policy,
Product: Student loan

As an XXXX for the past six consecutive years in multiple XXXX that qualify for XXXX  federal loan forgiveness my application ( s ) have continuously been denied for minor issues such as incorrect date format and full title of Chief   Administrator not stating his position. Because of this I took it upon myself to call MyFedLoan directly and ask why my application is continuously being denied when time after time the people I speak to regarding what I need to fix, give me the supposed run down on what needs to be done. My call on XX/XX/17, however, was different. When I was in conversation, two people who I spoke to from my loan holder ( MyFedLoan ) said one reason I am being denied is because the gap from one XXXX to the next is larger than seven days which voids the XXXX  loan forgiveness I am looking to receive after working five consecutive years in qualifying XXXX. ( Ive worked in three different XXXX in five years ). I am reaching out because not only did one of the people I spoke to said they had no idea about this seven day gap issue, it is no where to be found on neither the application nor website. Because of the withholding of information, myself along with a long list of people may be denied because of lack of transparency, which I believe is very deceitful and should be taken serious and looked into. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

Cashapp has repeatedly XXXX  me ot of money by fraudulent activity totaling XXXX
Product: Debt collection

FDCPA Violation for Incorrect Address** Your company has repeatedly used the address XXXX XXXX XXXX XXXX ny XXXX for correspondence, which is not my current or former address. This constitutes a violation of the FDCPA in the following ways : a. Failure to Provide Proper Validation Notice Under XXXX XXXX XXXX XXXX XXXX debt collectors must send a written validation notice to the consumers *correct* address within five days of initial communication. By using an incorrect address, you have obstructed my ability to receive this legally mandated notice, violating my right to dispute the debt under XXXXXXXX XXXX XXXX XXXX XXXX  Deceptive or Misleading Representation Using an incorrect address constitutes a false, deceptive, or misleading representation in connection with debt collection, violating FDCPA XXXX. This includes : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : False representation of the debts character, amount, or legal status. 
- XXXX ( XXXX ) : Use of deceptive means to collect or attempt to collect a debt. 

c. Unfair Practices Continuing to use an incorrect address after being notified of its inaccuracy is an **unfair practice** under XXXX XXXX, as it imposes barriers to my ability to exercise my rights. 
3. Demand for Immediate Action To resolve this matter, I demand the following actions within **30 days** of receipt of this letter : 1. **Correct my address** in your records to : 2. **Cease all collection efforts** until you validate the debt as required by law. 
3. **Remove all inaccurate information** related to this debt from my credit reports ( if reported ), per XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. **Confirm in writing** that you have complied with these demands and detail the corrective steps taken.
Product: Credit reporting or other personal consumer reports

XXXX, while shutting down its money management product XXXX, enticed its user to transfer their data to XXXX other product, Credit Karma, https : //www.creditkarma.com/, ( XXXX ) XXXX. I accepted the offer, and transfer all of my financial records for the last 9 years ( XXXX ) to Credit Karma XXXX Credit Karma has verified my identity through matching my credit history and other personal information, including the SSN ( social security number ). However, it does not allow me access my own financial records, since neither of my two phone numbers are accepted by their verification system. 

All my attempts to use their chat service or call their customer support number have been unsuccessful.
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 federal protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account # XXXX 15USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a sec 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) sec 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 convictionsof crimes of which antedates the report bymore than 7 years I did not give written permission to XXXX credit reporting agency to publish XXXX XXXX Account ending in XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to pay my bill. I paid the minimum payment that month of {$240.00}. Previously, I had a card limit of {$13000.00}, my current debt with the card taking about {$9000.00} or so a the time. After I had paid the amount due for the month, I noticed my available credit was only {$240.00}. I dug around and noticed my credit limited was reduced to about {$9300.00}. I immediately called up the card 's customer service line trying to get an explanation. 

I was told that they had sent a letter in the mail-this was not true. To this day I haven't received any mail regarding this. I was also then told to check my online account as odds are there was a notice there. Surely enough, there was a notice that was hidden indirectly in a cumbersome UI. In the notice, it stated that as of XX/XX/XXXX, Citi opted to reduce my limit for the following reasons : Your payments were low on one or more of your accounts with us. 
Your credit report shows amount of credit available on accounts is too low. 

Citing a credit report from XXXX, I was confused. While my finances are going through a bit of a rough spot, my XXXX Score at the time was XXXX. The notice urged me to check with XXXX, who confirmed the following : I've had this card for 22 years with absolutely no late or delinquent payments. 
There were not major hits to my credit score up until that point. 

After that, I reached out again to Citi Customer Support to relay this information, and the phone attendant put in a request to reinstate my previous credit line. I followed up with this on XX/XX/XXXX, in which I was told my request was not only denied, but I was also denied from any sort of credit change until XXXX. 

This decision to suddenly reduce my credit without justifiable cause does far more damage to my credit than whatever Citi thought I was doing. This is how they treat a longtime customer of 22 years with NO late payments, NO delinquent payments. The best part of this is in the notice, Citi offers " advice '' on how to mend credit scores. Here 's one point that stuck out to me : Be sure to pay at least your minimum payment due by the payment due date each billing cycle That's EXACTLY what I've been doing! A fact cited by XXXX, who Citi used as a source. Citi has upped their APR to 22 %, and cut my line for no reason other than thinking that I'll pay more per month. This is EXTORTION. This is a massive betrayal of my trust and causing me financial stress during a period where I am borderline homeless. This company is disgusting.
Product: Credit card or prepaid card

I recently learned that Capital One is not accurately reporting information for two credit cards I currently have with the company. I tried to dispute the information through XXXX  but I was advised to contact the creditor as they are responsible for supplying the information in the first place. I then called Capital One regarding the inaccurate information and they stated that they update balance information each month to the credit reporting agencies. However, upon further review, I discovered that my information has been inaccurately reported for the past year. Not only is the balance history completely inaccurate, but so is the the average monthly payment listed for each credit card. This incorrect information has hurt my ability to secure a mortgage and other important lines of credit because I am not able to demonstrate a history of paying off large balances. 

Here 's the snapshot for CAPITAL ONE CREDIT CARD ( credit line {$5000.00}, current balance {$2900.00} ). On XX/XX/XXXX, Capital One reported a payment of {$140.00} but the actual payment was {$1500.00}. XX/XX/XXXX, CapOne reported {$150.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$150.00}, actual payment was {$300.00}. XX/XX/XXXX, CapOne reported {$140.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$550.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$350.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$500.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$500.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$300.00}. 

SECOND CAPITAL ONE CREDIT CARD ( {$2000.00} credit line, current balance : {$930.00} ) : XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$700.00}. XX/XX/XXXX, CapOne reported {$54.00}, actual payment was {$300.00}. XX/XX/XXXX, CapOne reported {$52.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$51.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$49.00}, actual payment was {$100.00}. XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$100.00}. XX/XX/XXXX, CapOne reported {$57.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$56.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$150.00}. XX/XX/XXXX, XXXX reported {$53.00}, actual payment was {$400.00}. XX/XX/XXXX, CapOne reported {$56.00}, actual payment was {$300.00}. Based on this information, my average monthly payment of {$37.00} is absolutely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XX/XX/18 to dispute inaccuracies reported by XXXX. Experian said the dispute process takes 30 days. I've been waiting for a decision since XX/XX/18 and I never received a response explaining why Experian is displaying false information on my credit file. Every time I call in to get the decision Experian 's phone reps get mad and hang up in my face. I've been waiting for a dispute decision since XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX, TX, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} PXXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXX Balance {$290.00} XXXX XXXX  XXXX XXXX Balance {$130.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute on XX/XX/XXXX. My dispute is still open and processing. I have received no further information or updates regarding it 2 months later. The 30 day deadline has passed. I demand that all the information be removed immediately per the FCRA. 

XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX  XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX Failure to investigate. XXXX XXXX  clearly has differing information yet Transunion refused to remove account even while XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I paid for the automation XXXX XXXX  on XXXX. I did not receive anything. I asked for a refund multiple times from my bank but I didn't get anything back.
Product: Credit card

I had a credit card with XXXX XXXX 's through Comenity Bank that I paid in full by the due date in XXXX. The following month I received a bill ( fee ) for {$2.00}. I called Comenity Bank regarding this fee, and they advised me that it was accrued interest. My wife had a credit card with The Childrens Place through Comenity Bank that was paid in full by the due date. The following month she received a bill ( fee ) for {$2.00}, again accrued interest. They are the only bank that that I am aware of that charges this fee after the balance is paid in full. Is this s legal charge? If not, how many customers are they charging this fee to illegally.
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 deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY TRIED TO BUY CAR FROM CARMAX, I AUTORIZED THEM TO PULL THEM AND XXXX  XXXX XXXX XXXX TO PULL MY CREDIT REPORTS, WE DROV TWO HOURS TO PICK UP CAR AND WAS TOLD XXXX XXXX DENIED MY LOAN. I HAVE 6 CREDIT PULLS FROM XXXX  XXXX AND 1 FROM CARMAX. THEY ALSO, PULLED 11 OTHERS.ESPECIALLY OMN MY XXXX.
Product: Credit reporting or other personal consumer reports

I'm reaching out to the CFPB to ask for their help in getting rid of these fraudulent inquiries on my credit report. This serves as my follow-up complaint regarding the issue mentioned previously. Also, I'd appreciate your assistance in ensuring that Experian Bureau completes the removal of the remaining fraudulent inquiries from my Experian credit report. Once again, here 's the list of specific fraudulent inquiries that need to be taken off in my Experian credit report by the bureau : EXPERIAN : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

The company Synchrony Bank Guitar Center- account ending XXXX closed the account without my permission. I always paid my bills on time, when using the credit card I always paid the balance every month. The Company closed my credit without my permission, resulting in hurting my credit score. I had a balance of XXXX dollars. This was not a reason to close my credit card. I always was good customer and continue being a good customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my annual credit reports from all 3 credit agencies. Upon receipt of my credit reports I found numerous hits on my credit reports from credit karma. I have never used credit karma, I use the actual credit bureaus. I contacted credit karma and they found an account with my information that someone else was using to access my information unlawfully. I still do not know who did this, I have no IP address for these people to give to law enforcement. I was physically assulted, and I believe they located me by unlawfully accessing my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with XXXX had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history
Product: Debt collection

I actually paid this company {$510.00} in XX/XX/2014 just to stop harassing me and to remove this wrong and bad information from my credit reports. They said they would nearly 7 years ago but it's still here!
Product: Credit reporting, credit repair services, 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 ( Acct # XXXX ) XXXX  : XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX : ( acct # XXXX ) has 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.
Product: Checking or savings account

In accordance with my previous complaint, I found additional monies that Wells Fargo took from me that were never reimbursed. NONE of the monies I am owed have been reimbursed at this point in that Well Fargo has continuously denied their unjustly taking of money from my account until recently when they admitted to mailing a check to an address that I hadnt lived at in 3 plus years. In XXXX, I contacted Wells Fargo with an updated address which would explain why I did receive the checks for XXXX dollars, and XXXX dollars. But, somehow despite only providing an updated address once, those small checks arrived but the large checks with the vast majority of the money they owe me, did not. Wells Fargo is intentionally avoiding paying what they illegally took from my accounts and what they owe me to reprehend the taking of money from my account illegally, were mailed to an extremely outdated address. Now, Wells Fargo refuses to cancel the checks and reissue me new checks with the correct amount owed, despite those initial checks they wrote being for the wrong amount and despite them remaining uncashed for several years now. The checks have obviously gone to a place where they will not be recovered. This was intentional by Wells Fargo. Wells Fargo, you should be ashamed of yourself. What you did was shameful and advantageous, and now to hassle those you owe and effected negatively to a huge degree, so greatly, our peace of mind, our sanity, and our financial outlooks. This is disgusting behavior on your part. How you sleep at night I do not know. If you perpetuate this type of behavior, know that you brought sadness and misery to people already financially underserved. I am attaching additional bank records that I found for an additional account. You are the bankers and need to verify that nothing has been left out, but that nothing is also doubled. Please, send the money you owe me to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX  XXXX has been reporting for years a phone that was returned to XXXX, and which was sold to me through a scam offer in the XXXX mall. I need to use my claim calls for my account to be removed from my credit bureaus. 
SW Credit Systems L ... por XXXX $ In my inquiry, I wish that all the money and the damages that this has caused in my credit be returned to me. Thank you