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

I MADE A PAYMENT ON THE XXXX FOR {$300.00} AND CANCELLED IT AND PROCEEDED TO MAKE ANOTHER PAYMENT FOR {$200.00}. THE PAYMENT {$300.00} WAS DEDUCTED FROM MY CHECKING ACCOUNT WHEN THE PAYMENT WAS CANCELLED. I CALLED XXXX XXXX/CONTINENTAL FINANCE ON XX/XX/XXXX TO ENSURE THAT THE PENDING AMOUNT WOULDN'T POST AND THEY ADVISED THAT IT WILL FALL OFF MY ACCOUNT. HOWEVER, IT POSTED LATE THAT EVENING. ON XX/XX/XXXX REACHED OUT TO XXXX  AND THEY ADVISED THAT THEY WILL MAIL A CHECK AND THAT IT WOULD TAKE 5-7 BUSINESS DAYS. XXXX THAT I NEED THE FUNDS DEPOSITED BACK TO MY CHECKING ACCOUNT. I WAS TRANSFERRED OVER A MANAGER WHO COMPLETED A THREE WAY CALL WITH XXXX XXXX TO CONFIRM THE {$300.00} WAS POSTED. AGENT FROM XXXX XXXX CONFIRMED THAT THE PAYMENT POSTED ON THE XXXX FOR {$300.00}. HOWEVER THEY ARE STILL ASKING FOR DOCUMENTATION. SENT OVER PAYMENT INFO ON XX/XX/XXXX VIA FAX TO XXXX AND RECEIVED CONFIRMATION THAT THE FAX WENT THRU
Product: Credit card or prepaid card

On or around XXXX XXXX I reported to Grain Technology , Inc that I needed to change my bank account so to fraud issues with my XXXX bank account. No one ever responded until XX/XX/XXXX saying they are backed up completely ruining my credit and livelihood .i finally was able to use my account and Im XXXX XXXX I paid XXXX $ onto my bill and my bank statement shows they took the money. On XXXX XXXX I received a email sayin it did it clear. But my {$40.00} is still gone and it shows no payment on they credit app.these people are plying with peoples livelihood and relying on a computer to run the business They dont respond and add multiple late payments to your credit card
Product: Credit reporting

My address has always been XXXX, Tx XXXX until the XXXX address was changed to XXXX ( or XXXX ), Texas XXXX. The other addresses belong to my sons XXXX or XXXX.
Product: Student loan

I enrolled in the SAVE plan when consolidating my loans under the PSLF one-time waiver on XX/XX/year>, and my payments should be in temporary administrative forbearance due to the ongoing legal challenge. However, I recently received a letter by mail from MOHELA indicating that my student loan payment is past due. When I log into my online dashboard, my account information is missing and it redirects me to a page stating " System-Platform Transfer Notice. '' Even if my payments weren't covered by the administrative forbearance, I haven't received any billing communications from MOHELA indicating that a payment was due. I've tried calling MOHELA on many occasions but can never even speak with an agent due to 3+ hour wait times. I am a working professional and can not spend my entire day waiting on hold for an agent who likely can't even answer my question ( based on my prior experiences with this company ). I am very concerned that MOHELA will report my account as delinquent to the credit bureaus and potentially move me into default if my account was erroneously placed in repayment status, as indicated by their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hoping you can help me with my issues I am having with some creditors. I have a debt with both Kohl 's and XXXX XXXX. On XX/XX/2021 I called both companies to resolve my debt with them when they asked me for the last four of my ssn ( XXXX ) I gave it to them. They told that wasnt my ssn. Well that odd because that it too my ssn. It confusing to me that both company do not have the right information. If they have the wrong information how can they be reporting to my credit?. They refuse to help me because of this mix up which is not my fault. I am at a lose as to what to do on this. I have attached my SSN card and Driver License to prove who I am.
Product: Checking or savings account

Fifth Third had a promotion to receive a slightly higher than market rate on a money market account. The banker when I set it up told me when the promo period expired they would help me get into a new promotion or a current rate. When the promo did expire, no one at Fifth Third could tell me what my new rate would be or when it might change, only " back office '' systems determine that. Another banker also encouraged me to put additional money into the bank to take advantage of another promotional rate. The " listed '' rate on a money market is 0.01 %, which is obviously well below the market rate. 

I believe these promo rates are UDAAP. It encourages the customer to put large sums of money into the account to get a marginally higher rate for a brief window of time but then Fifth Third will not disclose what happens to the account next. It is bait and switch at best and simply deceptive as well. Clearly the business model is to pay the high rate for a while, assume most customers will forget about it and then lower the rate to one well below market rate. If these things were properly disclosed, it would be one thing but they are not. It simply isn't acceptable to say the " back office '' will determine your rate and we won't tell you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details 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

In accordance with the Fair Credit Reporting Act ( XXXX  XXXX XXXX Acct # XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I have requested both XXXX and TransUnion to remove the following addresses off my credit report. 

XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX However, address still remain on my credit report Please remove all the other addresses off my report, as they are not deliverable tome by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Mortgage

We were initially overcharged on our monthly mortgage payments from XXXX onto XXXX or later and had a difficult time trying to modify our loan. This caused us to be in arrears with payments.
Product: Checking or savings account

I was out of town camping and when I returned I noticed over XXXX dollars had been debited from my account. When speaking to a representative I also found they had tried to get even more but were unable too. I filed my claim and was told the money would be returned. After the money had not been I called back ( 4 separate times ) and was unable to get ahold of the person responsible for making the determination and couldnt even get a reason why the claim had been denied. I was finally told to leave XXXX a voicemail and wait 1-2 days and she would call me back. After being five to  the runaround I have no faith in Navy Federal Credit union and I will definitely be switching banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Creditt Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXXl # XXXX 15 U.S. C 1681 Section 602 A. States that I have a right to privacy.

Also, 15 U. S. C 1681 Section 604 A. Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Also, 15 U. S. C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

Lastly, 15 U. S. C 1681s-2 ( A ) ( 1 ) states that 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert about an extended fraud alert being placed on my account. I never requested that. I tried to use my XXXX  XXXX XXXX & my XXXX XXXX XXXX at XXXX on XX/XX/XXXX and was declined. I checked my reports and neither of the 3 cards that I have are showing on my report nor is my auto loan with XXXX XXXX. I just paid my car payment of XX/XX/XXXX but the account is not on any of my credit reports. I logged into my XXXX account and show that someone has filed several disputes on my account and I was also informed by a representative at XXXX that a police report was filed. I have never filed a police report for a credit issue in my life. I believe I am the victim of some kind of data breach where someone is trying to establish accounts in my name without my knowledge. I am not sure the nature of the disputes and to what email the disputes were sent to and I can't get any information from XXXX XXXX about why my account was closed. I had been faithfully paying all of my accounts on time and had no reason to request a closure of my account. I fear that someone will get my cards reissued to themselves at a different address and I will end up responsible for their fraudulent purchases. I haven't received any correspondence from XXXX in reference to these disputes and that worries me because any time that I have ever submitted a dispute, I had verification via email. Nothing has been sent to me and they are allowing people to access my information without my consent.
Product: Debt collection

Debt not validated!!!! No documentation of the original application with signatures. I do not have a signed contract with portfolio recovery.
Product: Debt collection

A third party credit card debt collector is charging me due to a credit card that was not approved by me, my social security card was lost a long time ago and I never got the chance to report my social security card since I know it by memory and now they are telling me to pay off the debt which I never knew about it. The amount they want me to pay is {$500.00} from a credit card company.
Product: Credit card or prepaid card

I was approved for Discover credit card as my credit score was pulled on XX/XX/2020. My credit score was XXXX and I was qualified for a {$7500.00} dollar credit limit and I had received this information in the mail from Discover. I also received my credit card in the mail with my name on it at the same time. However, I was asked to fill out a form for Discover to get an copy of my tax forms. I filled this form out online and I have told Discover over and over, since then that I do not file taxes as I live on XXXX. I asked them over the phone in ( recorded call ) to verify my income another way, but they have refused to do so. My income is sufficient for the credit card but they are not letting me use my credit card, due to I dont file tax returns. I am not obligated to file income tax returns. They have repeatedly asked me to submit the same form over and over to the irs to prove my income. I had called Discover on the date of XX/XX/2020 for 3 different phone calls for an total of 33 minutes. I have wasted my time with Discover on the date of XX/XX/2020. On XX/XX/2020 I received the same form in the mail to fill out for taxes that I filled out online over 2 weeks ago. They are discriminating against my XXXX by not allowing me to have the Discover card that I was already approved for to use.
Product: Credit card or prepaid card

I have a credit score of more than XXXX. I have an auto loan with an perfect payment history. My credit report does not reflect any negative balances, any late payments or anything negative. I am a also XXXX woman with a thick accent. I stopped by a Target located in XXXX Ga, on Saturday XX/XX/2019. I was looking at a promotion that expired that day where I was to get a discount coupon valued at XXXX if I signed up for the Target credit card. The associate convinced me to apply, as he said it was a pretty simple and instant process. Since I wanted to expand my credit portfolio and had a pretty good credit score, and the promotion was very attractive, I took the bait. To my surprise, I got a receipt saying Id get a letter in 7 days. After I did some search online on many credit forums, I discovered that people had actually called in after receiving such notice and they would find out they were approved. Many consumers reported they were approved even with credit scores in the lower 600s. I called the XXXX, and was transferred to accounts payable. The first person immediately told me I was declined because I had " no credit history '' Which is false. Then she told me it was because I didn't have credit cards and they decided my score credit wasn't good enough to issue me with a Target credit card. That the bank, TD Bank USA, didn't deem me a good " fit ''. Since I know I have a good credit history and score on file and actually hold an auto loan with a very well known bank, I knew there was something more to this information. I requested to speak to a manager and I asked her first for her information to document it and have it ready when I filed a complaint with the corresponding government agency, and my attorney. The reason I want to escalate this is because I feel that there was some discrimination regarding the approval process as they have information on my demographic by looking at the places I've lived at. I also know there was a switch and bait during the whole process. The employee who took my info at the register gets his commission. Target hits their numbers without issuing the XXXX promotional coupon and I get a bad hit on my credit score without obtaining any benefit, no discount coupon and no credit card either. So the " manager '' identifies herself as XXXX, literally mocks my government agency comment by saying " what government agency lol what are you talking about '' And by finally saying in an extremely hostile, terse and disdainful tone " you better learn how to speak to me or you wont get any information from me '' So I hung up without any information besides what was originally given by the first accounts payable associate.
Product: Debt collection

I received an alert from the credit bureau that a new collection was added to my report. I I called the collection agency to find out more info and was told that it came into their office in XX/XX/2023 and 30 days later they added to all 3 credit reports. I asked why wasnt I notified to validate the debt and was told their process is to add to the report and if I want to validate the debt they can send me information. When asked could they tell me anything over the phone about the debt she mentioned its from XXXX XXXX and thats all the info she had. I asked why wasnt I contacted prior to and she said thats not their process. Reel Time Capital LLC reported information on my credit reports without following the debt related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( I ) - ( v ) ; 34 ( c ) ( 2 ) ( ic ) and itemization related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi ) - ( viii ) and consumer response information ( 12 CFR 1006.34 ( c ) ( 4 ). I never received anything from the debt collector, however the debt appeared on my credit report without my knowledge. No debt validation letter or no debt verification letter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I put in a complaint with CFPB reference number XXXX. I heard back from a representative at PNC who stated that as a one time courtesy they would put my mortgage back on my credit report. This has not happened yet. I would like for PNC to put it back because it was unfairly taken off per my previous complaint.
Product: Credit reporting or other personal consumer reports

I recently applied for an apartment and was told my application was denied because there an oustanding balance on an old apartment. I reached out to the company in regards to the debt and they only wanted me to pay. I advised that when i left the former apartment i was not informed of any outstanding balance nor damages and the leasing XXXX at the time had my contact information. i was never notified by phone or mail nor was i ever provided any pictures of supposed damage just a ledger that was typed up by someone who no longer works in the office
Product: Debt collection

On XXXX XXXX I received a notification from both XXXX and XXXX about a new collection from Pro-collect in the amount of {$5300.00}. I have no idea who the collection agency is and I was never contacted by this company in writing or over the phone in an attempt to collect this debt. I disputed this with XXXX and they have completed an investigation and are saying the debt has been verified, but did not provide any information as to how and why they came up with this result. I want to report XXXX for reporting and validating the derogatory hit to me credit and also to Pro-collect for reporting this before contacting by writing or over the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611, It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Product: Debt collection

XXXX XXXX XXXX calls me several times every single day. All time of the day, and they call from so many different numbers. A man named XXXX leaves me about 3 voicemails a day. I get a few emails from them as well. When I go to the website and attempt to log in it is a blank screen and does not tell me what I owe or from who and there is no option for me to make any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and personal info were in the XXXX XXXX XXXX and XXXX XXXX breaches in XXXX and XXXX. 
I discovered many names, phones numbers, addresses and accounts that were clearly not mine on my credit report. 
Credit agencies have been reporting addresses connected to my name with fraudulent and erroneous accounts. 
I am disputing the addresses that clearly states it's a business as a residence and I lnever lived there. 
I have sent documents and Affidavits and been on phone disputing these errors for the last 2 months. 
Please delete these accounts. 
I have been dealing with this mess for a while now and request prompt look into this matter.
Product: Money transfer, virtual currency, or money service

I sent some money to the wrong person by accident and they didnt want to help me out with this the money was {$200.00} and {$50.00}
Product: Credit reporting or other personal consumer reports

EXPERIAN On XX/XX/XXXX I sent a letter to Experian stating that I was a victim in an elaborate XXXX XXXX  scheme. I also listed the accounts and addresses associated with that experience. They did nothing at all as if I never sent the letters at all. Please follow the laws and delete the information below. Thanks in advance. 



XX/XX/XXXX RE : XXXX  Block Request Account # XXXX Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX ACCOUNT XXXX XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX DATE OPENED-XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ACCOUNT XXXX DATE XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX  ACCOUNT XXXX DATE OPENED-XXXX  XXXX XXXX INQUIRES- XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX ACCOUNT XXXX DATE OPENED-APR XXXX, XXXX XXXX XXXX. XXXX XXXX ACCOUNT XXXX DATE OPENED-MAY XXXX, XXXX XXXX BLOCK/DELETE THESE ADDRESSES USED DURIMG MY XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken upon this letter. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Enclosures : Proof of identity- License, SS card 1- Trafficking documentation 2. Self-attestation paperwork