23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a business credit card through Amex. They sent me a " pre-approved '' mailing pack and they gave me XXXX to open. As I was talking to the customer service rep I explained that most of my cards had higher limits. His exact response was that all I had to do was apply for a higher limit and Amex would " take care of me on that one ''. So I did-like an XXXX. I applied for an increase on my personal XXXX card which I got in 30 seconds and then I applied on my Amex business card the same day. Amex denied me. So I was thinking maybe the credit line is too new --. And the csr lied to me. So i applied for a credit increase on my personal Amex card as well. Denial. I hate Amex and their lying customer service reps that promise me an increase if I applied for one and led me to believe that if I had did a hard inquiry I would get the small credit increase of XXXX. They should not be able to lie like that --.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that my credit was accessed via a soft inquiry but I never authorized any inquiry to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted- out form receiving offers, the sale/resale and requested the suppression of any information pertaining to me.
Product: Credit reporting or other personal consumer reports

Tried to sign up for an account so I could freeze my credit. It won't let me log in, says there's an issue with my account, and that I have to call the number. I called the number ( which is horribly configured, blasts piercing music at you nonstop, and requires you to press XXXX once a minute or it hangs up on you ) and after waiting for half an hour, I pressed XXXX to receive a callback, at which point I got into a loop of it repeatedly prompting me to enter my callback number so I had to hang up. 

So, I feel they are violating my legal right to freeze my credit account with them by denying me access to the website and making it literally impossible to speak with a representative over the phone.
Product: Credit reporting 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.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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, credit repair services, or other personal consumer reports

XX/XX/2021, Someone had stole my information and had applied for 3 credit cards. I reported it to the Credit Bureaus. They had only taking 2 of the 3 off but refuse to take the 3rd one off. I dont understand why they wont take it off and when I contact them they keep telling me to dispute it and I had already done that 3 times since it had happened and nothing changes. And when I tell them they still say the samething every time
Product: Checking or savings account

On XX/XX/2020 I called capitalone informing them that I had a check getting deposited into my account to cover my negative balance of {$97.00} on Monday the XX/XX/XXXX. On the XX/XX/XXXX my account had a restriction placed on it Sunday the XX/XX/XXXX. Monday my check cleared and left a remainder balance of {$940.00}. I called the bank to see if the restrictions could be lifted but I was told no. I was willing to drive to the next state over to retrieve my money but I was told I couldn't walk into the bank to get my money I had to wait 7 to 10 business days until it was mailed. I thought this decision was very unfair so I called back the next day. Then I was told I could get the money transferred To another bank account that was linked to my restricted account. So it's now the XX/XX/XXXX and my money is still sitting in a restricted account that I have no access to.
Product: Credit card

I had made went to best buy to purchase a computer. The salesman told me that if I signed up for a best buy credit card that I would have the option to either get points back for my purchase or get 12 months interest free. We went with the interest free deal. He then gave the option to get a visa card or a best buy only card. The associate advised us that the visa card could be used anywhere and that it still would be interest free from the date of the purchase. 

This information was misleading. It was n't until a few months after we used the card for a big purchase did we realize that the card was not interest free, but only the first purchase was interest free. When we called customer service and spoke with XXXX XXXX XXXX in idaho, she advised that what someone says verbally is not considered a verbal contract and thus when the terms and conditions were mailed out after the purchase, we should have read that instead of going on what a sales person stated. I stated we should not be mislead to sign up for something that can affect our credit in multiple ways just for signing up.
Product: Credit reporting or other personal consumer reports

I provided my identification, social, proof of address. I asked that every things such as wrong addresses, social, & names be removed. They have not removed they updated even with me sending my credentials
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

Over and over again this company continuously fails to protect consumers. 

ALL OF THE FOLLOWING IS FRAUDULENT. 

I have contacted this company and patiently awaited replies only to receive nothing. They have on my credit report listed " XXXX '' inquiries. XXXX? That is more than XXXX a month on average. I work in the XXXX XXXX and i am not even off enough during the months to do such a thing. I am sick and tired of my husbands ex wife being able to run my credit without anything happening. I am going to paste a list of inquiries that are fraudulent and i would like them removed. I am in the process of seeking legal action against the person responsible but in the meantime i want equifax to realize these are fraudulent inquiries i mean i do n't have that many accounts on my credit report and the ones i do are shared with my husband. Please remove these fraudulent inquiries. 

Name of Company Date of Inquiry XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A SECURED CREDIT CARD WITH WELLS FARGO, I HAVE NEVER SEEN THE CARD, I HAVE NEVER AUTHORIZED THAT SECURED ACCOUNT TO BE OPENED. I COME FROM A COUNTRY WHERE EVERYTHING IS CASH HANDLED AND I DONT BELIEVE OR TRUST THE CREDIT CARD CONCEPT. IF YOU LOOKAT MY CREDIT REPORT YOU WILL SEE THAT I DONT HAVE NAY CREDIT CARDS, NO AUTO LOANS, NO STORE CREDIT CARDS. THE WELLS FARGO SECURED CREDIT CARD IS FRAUDULENT, ITS NOT MINE.
Product: Student loan

Navient has been founded of a number of deceptive and predatory practices, included but not limited to how they have allocated money on private student loans. Those who have not defaulted were not a part of a settlement, yet they were still wronged by Navient, with on time payments and no end in sight. 
Original loan request amount was {$14000.00} for the first student loan in XXXX, ending in XXXX. This loan has been active since then, with a variable interest rate that is set by the lender. The total accrued interest is {$16000.00}, of that {$85.00} is unpaid. While there may show some late payments or fees, this loan was never late to the point that it would show on my credit report. Not all of these late payments were my fault as some were not correctly applied or entered so that I would show a late payment, and a late fee. I have paid more than XXXX % above what my loan was originally requested for, yet the unpaid principal is listed as {$14000.00}, and the current balance is {$14000.00}. How have I paid more than what the original loan amount was listed for, but not have made a dent in the principal? In fact, the {$16000.00}, a {$2700.00} difference from the original loan amount is about XXXX  % higher, and while interest does not always accrue quite like this, how is it that I have only made {$160.00} of principal payments since XXXX when repayment began? This is XXXX years of on time payments, and while I had a rate reduction program, where is the proof that my rate was reduced enough to have made any principal payments? This is just XXXX of XXXX loans. 
Loan from XXXX Original Loan Request {$12000.00} Accrued Interest {$12000.00}, unpaid of that {$76.00} Interest Rate XXXX  % Unpaid Principal {$13000.00}, Current Balance {$13000.00} How is my balance that much higher than the original requested amount, but not in the same way that another loan from XXXX is? That interest rate is lower, but the difference is much larger, which should not be the case. The difference should be smaller, not larger. {$1400.00} is the difference between the current balance and original loan request. This is closer to XXXX XXXX, an entire XXXX  % interest rate lower. Only {$34.00} past original loan amount has been paid in so far in total accrued interest. 

Loan from school year XXXX Original Loan Request {$12000.00} Accrued Interest {$11000.00}, unpaid of that {$72.00} Interest Rate XXXX  % Unpaid Principal {$13000.00}, Current Balance {$13000.00} How is my balance that much higher than the original requested amount? {$1600.00}? Yet I have paid all but {$18.00} of the original balance. 

Loan from school year XXXX Original Loan Request {$13000.00} Accrued Interest {$15000.00}, unpaid of that {$90.00} Interest Rate XXXX % Unpaid Principal {$16000.00}, Current Balance {$16000.00} How is my balance {$3100.00} more than the original request? I have paid more than XXXX % interest, I have paid XXXX  % above the original requested amount.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for one main loan in 2017 and was informed of option products that was not in their policies and procedures. In results came higher fees which cause the loan to default.
Product: Debt collection

In XX/XX/2020 I noticed an alleged debt reporting on my credit reports for an Electric bill ( XXXX XXXX XXXX XXXX ). On XX/XX/2020 I sent Contract callers Inc., a request for validation as allowed under the Fair Debt Collection Practices Act ( FDCPA ) and requested for validation including a request for an assignment under the California Rosenthal Fair Debt Collection Practices Act ( Ca Civil Code 1788.13 ( l ) ) which prohibits " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' Contract Callers Inc. has not responded to my request and continues it's collection efforts without validation or verification of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fay Servicing LLC repeatedly marked my account as " late '', charged a late fee, additional recovery fees and reported the account as late to the credit reporting agencies, despite the knowledge and agreement to change the due date on the account to mid-month. Fay Servicing LLC, did not adhere to policies regarding the change of due date, regarding payment agreements. Fay Servicing did not do their due diligence in changing the required information and alerts, so that it would not be falsely reported to the credit bureaus. When the due date changed to the XXXX of the month, the account alerts should have been updated to reflect that important change. Otherwise, allowing the change of date is completely redundant and posturing, in order to appear to the authorities that Fay Servicing LLC was being flexible, at the time. Fay Servicing LLC should rescind the late charges, reports to the credit bureaus, from the time the arrangement of mid-month due dates was made. Fay Servicing LLC also refused to acknowledge a payment and continued to collect late charges and reported late payments to the credit bureau. I have provided official documentation from my credit union to support this, Fay Servicing LLC has not responded or attempted to remedy the situation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my FICO XXXX credit score as reported by Experian. I have observed a significant discrepancy between my FICO XXXX score on the Experian platform ( XXXX ) and my XXXX on multiple other platforms, which averages around XXXX difference of nearly XXXX points. 

My credit profile includes only one negative account, which is being actively addressed. 
I maintain a total credit limit of {$7000.00}, with a credit utilization consistently below 10 %. 
My payment history and other aspects of my credit behavior have been stable and positive. 
I fully understand that different calculations are used between a XXXX and XXXX  scoring model, however, given my overall credit profile, I find the XXXX XXXX score of XXXX to be unusually and disproportionately low compared to my XXXX. I believe there may be an error in the calculation or reporting of my FICO XXXX score.
Product: Bank account or service

I opened an account with my then boyfriend, XXXX XXXX, at the US Bank branch he XXXX in XXXX Illinois a couple years ago. I kept the account, even after we had broken up, as a savings vehicle. I rarely have more than {$100.00} in this account. The last time I checked the account, there was less than {$10.00}. I received an e-mail alert about a new balance yesterday and checked my account. It 's in the XXXX by $ XXXX. US Bank will not help me. They refuse to refund the overdraft! They state that I signed a form that gave them authority to authorize purchases on my card, even if I did n't have the funds to back them up. They are refusing to give me a copy of the form I " supposedly '' signed that gave them this permission. Furthermore, they left the final decision in my ex-boyfriend 's court. He naturally denied to refund me the overdraft! I have tried to work with US Bank. I asked to close the account and they wo n't. Even after I have paid {$150.00} towards the balance ( automatic debits that had the wrong information to draft from ), there are still overdraft fees to keep the account open. Every 8 days, they are going to charge me another {$25.00} for the overdraft fees!
Product: Payday loan, title loan, personal loan, or advance loan

Hi, I applied for a personal loan through Reprise Financial and didn't receive anything. I tried removing all my information off their website but there is no option. I called customer service and they said that they keep your information on file for 25 months. I asked them could I have it deleted because I didn't receive anything and wanted it removed. They refused. That is a very long time to hold someone's personal information and not receive anything. 
I just want my information deleted if I'm not receiving anything or plan anytime soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit reporting agency is not following the law. Per section 609 I am entitled to see the contract I signed and for the creditor to validate the debt. No documentation gets provided to me and the disputes keep getting closed. Send me proof that I owe this debt or delete it from my record.
Product: Credit card or prepaid card

Hi Sir/Madam, This is related to Target Credit Card XXXX. There was a statement that was generated on XXXX XX/XX/2021 for {$110.00}. I made the payment on XXXX XX/XX/2021. This company initiated the Auto Payment for the same amount on the XXXX of XX/XX/2021. They mentioned that the payment got returned for the wrong account number and not sharing what the account number was. If I have already made a statement balance paid how they can charge again for the same amount. They charged a fee of {$29.00} and said there is no provision to waive it off. I spoke to Supervisor also. They are not helpful. If their systems are not intelligent enough to see if a customer already made the payment of the statement and initiate the auto payment again, then it is not the customer 's fault. On top of that, they are not sharing the details. I have XXXX XXXX XXXX, while talking to them and explaining to them it is getting increased, and I don't want to talk to them.
Product: Mortgage

Hello, I am contacting you about my loan servicer and them not furnishing me with important documents. I received a call on Sunday, XX/XX/XXXX about making my mortgage payment. 

I got a letter on XX/XX/XXXX stating that I was approved for COVID-19 relief. In that letter, it states that documents were supposed to be sent to me within 15 days of reciept of letter. It is now XX/XX/XXXX and I have yet to receive said documents. 

During my call Sunday evening, I was told that I needed to pay to meet the conditions of my relief, but how do I know what to pay and terms to agree to? I feel that by paying, I am agreeing to the terms of a contract that I have never seen. How can that even be legal? I have dealt with Loancare long enough to know that I need to see everything in writing. 
Loancare is the reason I am in this mess. When I paid my first or 2nd mortgage payment, they told me that it was late because I paid it on the XXXX of the month. I was told last night that there is a 15 day grace period where I wouldn't be charged a late fee and my payment was denied because late fees were not included in my payment and they didn't take partial payments. You can see for yourself in XXXX. I have been going through this ever since. 

I was told to call back on Monday and ask for a supervisor, but I never got through to anyone. I haven't gotten through over the phone, so I've been sending emails. I haven't gotten any email responses either. 

I've had enough with Loancare and I would just like to have my documentation so I can resume my payments.
Product: Credit reporting or other personal consumer reports

Experian and XXXX putting incorrect information on credit reports. Now is the BEST time to fix my credit and send my settlement check I done psid 3 credit repair services them bureaus didnt do their job
Product: Debt collection

I had a judgment against me on a {$5000.00} balance from an old XXXX credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, Kohn Law Firm.
Product: Mortgage

On XX/XX/2019, we received notification from Rushmore in that our mortgage assistance request was denied. However, the lender failed to comply with certain requirements pursuant to treasury Loss mitigation requirements. Currently, the only loan modification option is the Standard loan modification. lenders must performed an evaluation which is refer in the guidelines as to the NPV report in order to make an adequate assessment. The lender failed to provide a copy of the appraisal, per Federal guidelines a homeowner is entitle to receive. In addition, per treasury guidelines, lenders must provide detail information as to why the negative NPV results. We are under the impression that the lender never processed the loss mitigation request and is the reason no appraisal was conducted. It is obvious that the lender acted in bad faith while ignoring all loss mitigation Federal Rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, PORTFOLIO RECOVERY, and XXXX are furnishing information that does not belong to me and the inaccurate or fraudulent information is being reported by XXXX, XXXX XXXX XXXXXXXX. I have sent letters of dispute, giving all of the companies a notice and asking that the information be deleted from the profile under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX is submitting credit reports with my authorization of any kind. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Have the credit bureaus remove these immediately.