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

On XX/XX/XXXX  i received XXXX on my prepaid card. I did not notice the money until XXXXXXXX  when i began to use it, i withdrew XXXX. I noticed before i used the card XXXX was already gone and i did not spend it. I call and spoke to customer service and they tell me there is nothing they can do. I have complained about missing money with customer service on several occasions and this time i am furious. As i look at my statement and it tell me one thing but the lady on the other line is saying something totally different than what i am looking at. Please help because i am the one losing out at the end and it is not fair. I also called again last week because i had unknown pending charges and had to close the card and be issued a new one. All of this happened within the last two weeks and it is not making sense to me at all. I went to get my money off of the card immediately because it was disappearing right before my eyes. Thanks, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Continues to come to my home looking for someone who does not live in the house knowing he does not live with us. Bangs heavily on the door and sits in his car watching the house. Now they are taping things to my door.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has had a severe impact on my life, causing significant stress and XXXX. I want to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX AM XXXX FIN 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX XXXX XXXX, 11 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, Company Inquiries : 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: Debt collection

per the FCRA as a federally protected consumer, I am now opting out any & all authorization i the consumer may have given XXXX XXXX written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods,
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no information about them, and they were conducted by the company without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX   XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XX/XX/XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX
Product: Debt collection

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY I have reported in the three credit  companies XXXX, Transunion and XXXX an account for {$500.00} XXXX XXXX XXXX XXXX XXXX. That account I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative.
Product: Debt collection

Repeated calls, morning and evening once a day, it seems like more than once a day at times and I usually do n't answer and they do n't leave a message ; when asked to ifentify themselves they give an non-descript answer like this is about a personal problem so I finally I hang up.
Product: Vehicle loan or lease

On XX/XX/XXXX I called XXXX XXXX XXXX to make a payment on my car. I advised the representative, that I have been out of the country and I have tried to pay online several times, but the system was not allowing me. I am now 31 days past due ( Back home in the US ) She looked in to it and found out the reason the online portal was not allowing me to make a payments was because of an invalid address. I have mentioned to Carmax in the past that I am in the process of moving, that currently I did n't have an address. She insisted that I can not make any payment until I update. I gave her my parents address. Representative also mentioned that Co- Borrower Keep on returning mail to Carmax . I advised them in the past about this issue. Co- Borrower lives in a XXXX/old people home. He does not receive mail there so that is the reason why Carmax is getting " return to sender '' mails.

I feel like I should not be penalized for not making the payment since the online portal did not have a clear message to why I could not make a payment.

Carmax is now reporting me late, but this was because of them. I tried to make a payment several times. I was out of the country I could not make a phone call, online was the onlyway I could make a payment. Carmax should not have that feature if not available at all times. 

This is the first time my account went to 30 days past due. I am almost finished paying this car off.
Product: Student loan

Thank you for taking the time to read this letter.
Navient gross mishandling of my student loan payments has resulted in me receiving erroneous late fees, capitalized interest charges and negative reports being sent to the 3 major credit reporting agencies.
I have unsuccessfully attempted to get a straight-forward answer from NAVIENT Student Loan servicing for the last two years as it pertains to how my student loan account. My questions are specific to how my payments have been applied, why I have been charged 18 late fees ( some months I was charged a late fee twice in the same month ) in months that my payment was not late and why I my student loan interest was capitalized in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Navient continues to ignore my complaints.
Product: Credit card or prepaid card

I keep getting credit card offers from capital one saying I am pretty approved by after they run my credit it say I ain't this has been going on for a while now
Product: Mortgage

I 've been a WF Mortgage client for over 20 years. My home, under contract, is scheduled to close on XX/XX/XXXX. In spite of being notified of the above Wells Fargo Mortgage made several harassing phone calls to me, at work, when the payments were not ( or ever in the loan 's history ) 30 days past due. They admitted that they had been notified on the closing of the loan but defended their actions. They refused to provide me with the contact information of any government agency that provides oversight of the mortgage company. My last point of contact was XXXX at XXXX who id 's herself as a supervisor.
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. 
Account Name : U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, U.S DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # 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: Credit reporting or other personal consumer reports

I have noticed XXXX Accounts on my credit report after trying to obtain credit.
Product: Credit reporting or other personal consumer reports

The persons XXXX, XXXX XXXX and EXPERIAN Consumer reporting agency has been reporting information thats not mine causing hard ship I ask for it to be remove after verifying the account on my consumer report which is being furnished by a person Name XXXX XXXX XXXX. 

XXXX XXXX XXXX has been using my consumer report without my consent I Disputed this matter with the The consumer report agency XXXX and XXXX just claim to verify account. I have no documentation of validation upon requests, this is my 3rd time addressing matter, I want XXXX the consumer reporting agency to remove XXXX XXXX XXXX from consumer report.
Product: Credit card or prepaid card

I applied and was approved for an American Express Gold Card on XX/XX/XXXX. It was advertised with an offer of XXXX points after spending {$2000.00} within 3 months as well as 20 % back on restaurants within the first 3 months ( see signup.png ). 

My third account statement closed on XX/XX/XXXX and by then I had spent {$2300.00}, which was more than the required amount and within the required time. However, I did not receive the XXXX points or the 20 % back on restaurants. The fourth account statement closed on XX/XX/XXXX and still nothing. I contacted American Express via online chat on XX/XX/XXXX to see what was going on and was told that the welcome bonus was not available on my card due to accounts opened and closed frequently and incentive misuse ( see chat1.png and chat2.png ). 

I opened the account with the intent to use it as my primary card and spent {$7900.00} on it to date. More importantly, I was not told that I would be denied the welcome bonus when I applied for the card, in any of the documentation that came with the card, or in the months while I was spending money on the card to ensure I met the requirements for the welcome bonus. This was ample time for me to be notified of this important information. Instead, it was not until I contacted American Express that I was told of this decision. I trusted that American Express would honor their advertised welcome bonus, but they did not.
Product: Payday loan, title loan, or personal loan

In XX/XX/2011 I got a loan from CashCall in California. I had to go into the office in XXXX and pay every month XXXX.For two years. I heard they were illegally charging too high interest so I stopped payments. Now 7 years later I need a charge off letter from Cashcall to get a home loan.
Product: Credit reporting or other personal consumer reports

I AM WRITING A COMPLAINT ABOUT XXXX XXXX XXXX, I TOOK OVER A LOAN FROM PREVIOUS OWNER WHEN I BOUGHT MY HOUSE WITH SOLAR PANELS ALREADY INSTALLED. I HAD PROBLEMS SINCE THE BEGINNING OF THIS LOAN BECAUSE THEY WERE MIXING UP MY INFO WITH THE PREVIOUS OWNER. FOR ALMOST THE FIRST YEAR OF THE LOAN THE COMPANY THAT WAS SERVICING THE LOAN WAS MISAPPLYING MY PAYMENTS AND TELLING ME I DIDNT HAVE THE LOAN THAT IT WAS STILL UNDER OLD OWNER. IT WAS A HASSLE EVERY TIME I CALLED.THEN WHEN SUNLIGHT STARTING SERVICING THEIR OWN LOANS THEY SENT ME A STATEMENT SAYING MY ACCOUNT WAS BEHIND, BUT THE TRANSACTION RECORDS SHOW THAT I HAD A CREDIT OF {$640.00} WHICH WAS PORTED IN ON XX/XX/year>. I HAVE BEEN ASKING IT TO BE FIXED FOR MOTHS WITH DISPUTES TO CREDIT BUREAUS AND THEY HAVE STILL NOT FIXED IT. ( DOCUMENTS ATTACHED ) I WANT MY CREDIT REPORT TO BE CORRECTED, IT SAYS IN XXXX I WAS XXXX  DAYS PAST DUE, THAT IS NOT CORRECT. I CALLED SUNLIGHT THEY AGREED WITH ME, AND THEY SAID THEY WILL OPEN A CASE TO HAVE IT CORRECTED, BUT NEVER DID, THIS IS HURTING MY CREDIT AND CAUSING ME ISSUES WITH OTHER LOANS. I HAVE PAID ON TIME OF PAID IN ADVANCE SEVERAL TIME MY HISTORY SHOULD SHOW THIS ERROR BUT IT IS NOT BEING CORRECTED. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  on my credit reports show a balance of {$420.00} but is is not XXXX and has not been updated since XX/XX/22.
Product: Credit card or prepaid card

I'm done with this garbage company. I sent XXXX hours on the phone today trying to get a fraud alert removed from my account on a card I haven't even tried to use in 3 months. I talked to literally XXXX people. Some would say there is no fraud alert, others would say there is XXXX but it's been removed. I finally just asked them to close the account. The agent refused to close the account saying there's a fraud alert ( which I can't get cleared up despite answering their endless and repeating question over and over and providing all correct and necessary information to them ). It's a secured card and they won't let me use the card, so I just want the card closed and the {$300.00} mailed to me in the form of a check.
Product: Credit card or prepaid card

Hello, My complaint revolves around the Menard 's BIG card, which is managed through Capital One. On XX/XX/22 I contacted Capital One to find out why my 6 month same as cash had not be XXXX  out. I calculated the the total divided by 6 and paid accordingly. However, when I contacted XXXX at Capital One, she said that it doesn't work that way. The money that I pay gets split up, by their determination, amongst my different balances. So I asked the question, " So if I want to allocate my payments in order for the promotional balance expiring first, how do I do that? '' Her response was, '' That's not possible. I agree with you that it's not right, but that is the way they set it up. '' I let her know that in this situation, there really isn't a 6 months same as cash if you have multiple promotions on one card because the customer really doesn't know where their cash is being applied to which promotional balance. In the end I paid the entire card off and closed my account. Kind os a XXXX  move on the credit card companies part.
Product: Credit reporting

Transunion apparently gone to some credit model called XXXX. This model is not recognized in the industry and considerably reduces a persons credit score. Mine was reduced by over XXXX points on my FICO score. This causes a denial of credit when it otherwise would be granted. I have no negative records, a perfect payment record, and low credit inquiries yet with their score it puts me in a " POOR '' rating. This should not be allowed as it is not a fair and accurate representation of a persons credit worthiness.
Product: Payday loan, title loan, or personal loan

I refinanced a personal loan that I had with OneMain Financial in XX/XX/XXXX. I have made timely payments since that time. The initial payment on the loan was due and paid on XX/XX/XXXX. The amount of payment credited to principal reduction was about {$110.00}. This amount increased to about {$150.00} over the next several payments. Recently I noticed that with my XX/XX/XXXX payment only {$55.00} was applied toward principal. With my XX/XX/XXXX payment the amount applied to principal was {$160.00} which is consistent with the statements prior to XX/XX/XXXX. However, in XX/XX/XXXX the applied to principal was only {$63.00}. I don't understand how with consistent payments I can owe more interest than a previous month on a declining principal balance. I inquired with OneMain but didn't get a satisfactory answer. I will upload the monthly statements. Please assist.
Product: Debt collection

Call 3 to 4 times a day. Does not leave messages wo n't send me anything to verify debt. None stop harassment.
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, XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX : 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: Credit reporting or other personal consumer reports

I did not authorized these inquires listed below : 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days that XXXX  has not made any written statement why they are keeping an duplicate account on my credit report. Account number XXXX fell off my account over 7 years ago. The furnisher Portillo Recover has violated the Fair Reporting Act. XXXX  by law has to show me the original date the account was removed from my credit report. XXXX does not have a credit card with XXXX XXXX. Portfolio Recovery Service to remove their name and account off all credit reporting agency in my name.
Product: Debt collection

I BELIEVE THAT MY BANKRUPTCY DISCHARGE TO MY MORTGAGE HOLDER WAS TOO MUCH AND MONEY WAS PAID TO THEM THAT SHOULDN'T HAVE BEEN PAID. I SAW TOO MANY DIFFERENT AMOUNTS THAT WERE OWED FOR THE SAME CREDITORS. WHEN I WENT TO MY CLOSING FOR THE SALE OF MY HOUSE THE FIGURES WERE TOO MUCH ALSO. I'M SENDING PAPERS THAT SHOWED ONE AMOUNT BUT SOMEHOW THEY GREW. I DON'T UNDERSTAND HOW A {$140000.00} MORTGAGE OVER A PERIOD OF 20 YEARS GREW TO BE {$190000.00}. THIS IS NOT RIGHT. PLEASE EXAMINE THE PAPERS I'M SENDIN FOR HELP G. I WAS FORCED TO SELL MY HOME AND NOW MY HUSBAND AND I ARE RENTING.THIS IS NOT RIGHT. I WAS SCAMMED BY XXXX XXXX  AND PACIFIC FINANCIAL. I REACHED OUT TO CFPB FOR HELP. I HAVE PREVIOUS CLAIMS THAT YOU ALL CLOSED. THEY STATED THAT THEY WERE WORKING WITH ME. THEY WERE BUSY FILING FORECLOSURE PAPERS. I BLOCKED THEM BY FILING THE CHAPTER XXXX. THE EXPENSES GOT SO MUCH THAT I HAD TO CHANGE TO A CHAPTER XXXX AND SELL OUT. THIS IS IN HUMAN TO TREAT TWO SENIORS WHO HAVE INVESTED ALL OF THEIR EARNINGS INTO A HOUSE JUST TO LOSE IT. ALL OF THE OTHER COMPLAINTS WERE STEMED FROM THE SAME PROBLEM WITH PACIFIC AND HOMESTEAD. PLEASE READ THE OTHER FILED COMPLAINTS THAT WERE CLOSED.
Product: Credit reporting or other personal consumer reports

I found inquiries on my report that i dont recognize such as factual data on XX/XX/year> on equifax and XXXX
Product: Payday loan, title loan, or personal loan

The company has a 90 day buyout that I start lease around XXXX of 2020 and the 90 days expired in the middle of covid 19 The purchase was XXXX and i paid a total of XXXX plus XXXX tax total of XXXX on XX/XX/2020 Because it wasnt paid off in the amount of XXXX within 90 days they are charging me double to have it paid off in one year But Georgia 's ocga XXXX states no loan shall charge any rate of Interest greater than 5 percent directly or indirectly Breaking down XXXX over one year is XXXX but they are saying I have to pay XXXX daily in there lease amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX I filed a dispute because the new law shows it should be removed. However I called and the TransUnion stated they have n't received the law that would remove this item. They informed me it would stay on my report for 10 years but the New Law is 7 years I. Which it has been 8 years in my report. Please help. I applied for a car loan and it was not approved then I was offered a high interest rate. They also stated in an email that the Court reported to them I called the Court and they stated they had not received and do n't call.