23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Discover card in XXXX and they did nothing to help me when XXXX card got stolen. I opened the account around XXXX of XXXX. They closed my account around XXXX because there was purchases on my card I did not make and I filed a dispute. They take the dispute allow more fraud purchases to be purchased on the account then they said they found XXXX my dispute invalid and adding all the previous fraud purchases back to the account. After that they close my account charging me so much fees and everything else. I found XXXX out my account XXXX was closed when I logged into my online account one day and found out my XXXX dollar Discover card limit said I owed a balance of over XXXX dollars. They did little to nothing to help me and this is still reporting to my credit report and impacted me for the last 7 years almost. I always paid my bills on time Discover did not take this serious. I spent countless hours with every XXXX XXXX and XXXX along with Discover trying to fix this in the last almost 7 years. Discover has cost me over {$200.00} dollars in my time and over {$2600.00} more dollars in damages done by their false reporting to my credit report. This is not including the damages they have done from money lost to my business I own in XXXX XXXX XXXX XXXX as I was turned down contracts and rejected credit needed at the time to operate the business because of Discovers false reporting.
Product: Debt collection

XXXX at Tek-Collect texted me and said I owed XXXX to XXXX XXXX XXXX I called Tek-Collect and explained that I didnt owe it, and XXXX said it was my responsibility to contact XXXX XXXX ( name of XXXX XXXX was changed to XXXX XXXX  at least a year ago ) and have them contact Tek-Collect. I called XXXX XXXX, and they said they had no record of me currently owing money and had no record of sending debt information to Tek-Collect or any other debt collection company.

Tek-Collect has sent this incorrect information to XXXX and possibly other credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was in the process of buying a car. However I was not aware that the company that I was buying the car ran my credit over 15 times with multiple different companies. Consequently no company agreed to finance me due to not showing enough debt to income. With that being said, I still am stuck without a vehicle. So I took it upon myself to write to the different companies asking for favor, second chances and good faith. If they could not find any of the 3 then would they please remove this inquiry so that I will have the opportunity to purchase a vehicle. Thus far several of the companies have worked with me and removed the inquiry because they understand that NO-ONE is going to finance me with all of these inquiries on my credit report. They also apologized for the inconvenience and stated that give it 30-45 days to clear and to find a better paying job then come back and they will try to work something out for me. 

Now my problem is this company called Nicholas Financial Inc. will not budge. XXXX XXXX XXXX has stated in several of the letters that even though they will not finance me, nor give me an option to receive a second chance, they will not remove this inquiry. Then she stated in another letter that all dealerships have the right to pull credit reports even if they know they are not going to finance that person. So what is the purpose of pulling someones credit report when you know that it will hinder their chances in the future. 

I have sent 3 letters, pleading and begging that XXXX XXXX please remove this inquiry. I still need to purchase a vehicle so that i can get to the " low income '' job as was stated in another letter. I still need a vehicle to get to and from period. 

Why is it so hard for you to remove this inquiry? What would happen if this inquiry removed? Who would hurt from your company if you deleted this inquiry? 

XXXX XXXX also wanted me to know, " that several inquiries over a short period of time from the same type lender within a short period of time only affect your credit ''! With that being said, then what is the hassle to help someone out and remove the inquiry?
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Collection Account Reporting Different Dates of Last Activity Dear Sir/Madam, I am writing to dispute the accuracy of a collection account on my credit report that is being reported with conflicting dates of last activity. The collection account in question is with XXXX and is currently listed with XXXX major credit bureaus XXXX, Equifax, and XXXX. 

The inaccurate dates of last activity being reported are as follows : - XXXX - XXXX - Equifax : XX/XX/year> These conflicting dates are causing discrepancies on my credit report and are negatively impacting my credit score. I have attached copies of my credit reports from all three credit bureaus highlighting the discrepancies for your reference. 

I am requesting a thorough investigation into this matter to determine the correct date of last activity for the XXXX collection account Account number XXXX. If it is found that the dates being reported are indeed inaccurate, I kindly request that the information be corrected or deleted from my credit reports. 

I understand that under the Fair Credit Reporting Act, credit bureaus are required to investigate disputes within 30 days of receiving a request. I would appreciate it if you could expedite this investigation process and provide me with an update on the resolution as soon as possible. 

Thank you for your attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you require any further information or documentation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$59000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This debt is not mine. XXXX is a fraudulent company that does NOT abide by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander and XXXX continue to corroborate on unethical and illegal practices. They were sent a debt validation letter. They produced a basic counterfeit copy. I asked for the original wet ink signature that showed I was ever in business with Santander. To no avail. Also i never gave XXXX written permission to furnish my information which is required by the FCRA Title 15 usc 1681 b2. Secondly XXXX never ran a consumer report investigation which requires them to interview my neighbor or family member. I dont have a neighbor so which family member did they interview.
Product: Bank account or service

It appears my bank has reordered the sequence of transactions so as to charge me {$100.00} in overdraft fees instead of {$34.00}. There were XXXX transaction of XXXX/XXXX/2015 : {$10.00}, {$100.00}, and {$1500.00}. The first XXXX were covered with funds of {$1300.00}, however Chase ordered the # XXXX check first.
Product: Credit reporting or other personal consumer reports

I pulled up my credit report and notice that GM Financial has placed inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reportsXXXX GM Financial should have given me an opportunity to dispute this information if they feel to believe it's correct. I need them to give me proper notification and also send me a certified notification receipt with my signature showing that we communicated about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I lost my job, and Bridgecrest XXXX my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with XXXX, XXXX, Equifax, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for XXXX. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. 

PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.
Product: Mortgage

Reference to previous complaint XXXX The response to CFPB complaint # XXXX did not include the correction requested for XX/XX/2021 payment made to XXXX XXXX servicer. If Fay servicing LLC corrects that mistake, then the second payment made on XX/XX/XXXX in the amount of {$1500.00} goes towards the principal amount. This reduces the principal amount as well as interest on the remaining principal. It is my humble request to Fay Servicing to look at the complete payment history from XXXX and fix the transactions with Fay Servicing LLC ASAP. I expect the recalculation after fixing the transaction and a refund. 

It is my humble request to assign the complaint to a competent expert to look at the complete payment history of XXXX XXXX and Fay Servicing and explain every transaction in depth while responding Thanks!
Product: Credit card

Per attachment # XXXX, Wells Fargo bank offered me a balance transfer of {$11000.00} with 0 % APR for 15 months and a transfer fee of 4 % ( = {$460.00} ). However, nowhere on attachment # XXXX, which is the offer document, does it inform me that the first payment would include the {$460.00}. Actual first payment is {$580.00}, which is a budget breaker. Of the several credit cards that I have accepted a balance transfer offer from, Wells Fargo is the only XXXX, who includes the balance transfer fee in with the first payment, which again is {$580.00} ( = {$460.00} + {$120.00} ). Attachment # XXXX is my monthly statement showing the {$580.00}. The inclusion of the {$460.00} means that is {$460.00} not available to pay on my higher rate accounts. Thus, the {$460.00} is considered a loss, if paid on XXXX XXXX, 2015.
Product: Credit card

I received an invitation to apply with a code to enter from XXXX. This is a progressive and socially responsible company and, in addition to the credit card, it has a cell phone company ; I was a cell phone customer for several years. So when I applied, I fully expected to be immediately approved. In addition to being a former customer, I have a pretty good credit score, have not had a late payment in XXXX or more years. Also, I currently have several cards issued by their bank, XXXX. When I was not only not immediately approved but got the " we 'll let you know in 7-10 days '', I was kind of upset. However, when I did get the letter from them, it stated flatly that I was denied because I had had a bankruptcy in 2008. When I called and emailed XXXX, I got a generic answer. Of course companies are certainly entitled to choose who they want for customers. My concern is that they did not state, not even in the fine print on the offer that people who had bankruptcies need not apply. If that had been the case, as in the instance of XXXX, that asks that question before even accepting an application, of course I would not have bothered. So that 's XXXX thing I think that is unfair to consumers ( and I wo n't even mention the fact that hundreds of banks have had their own financial troubles! ) as is the practice of having different criteria in the same institution. I have XXXX cards issued by XXXX and they have high limits and low balances. So, in addition to the embarrassment of having been denied credit, I have the dreaded hard inquiry on my credit which I have so carefully reconstructed after divorce forced me into bankruptcy years ago. In the interim I have been able to buy a car and a home so this hurts. And it was not stated at the outset that people who have had bankruptcies should n't bother. Can uniform standards among these companies be established? It is bad enough that they change interest rates with impunity.
Product: Credit card or prepaid card

On XX/XX/2020, I contacted Citibank to discuss my account. The automated system asked if I wished to close my account. I clearly stated " No. '' I then received an email that my account had been closed. 

That same day, I called Citibank again and requested to speak to a representative. I explained to the representative that I did not authorize the account closure. The representative stated that I could not reopen the account without a credit pull because the account was not closed in error. I refused to reopen the account with a new credit pull, and I stated that the account had in fact been closed in error. The representative stated that under Citibank Policy, an  account closure through the automated system is never a bank error. 

On XX/XX/XXXX, I attempted to resolve the issue with a Citibank manager and I spent several hours at a Citibank branch. I was told that I could not reopen the account without a credit pull. The Citibank branch initiated an internal complaint because he understood that this was a Citibank error and my account should be reopened without a credit pull. On XX/XX/XXXX, the internal complaint was rejected, and my account has remained closed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and the following ran an unauthorized credit inquiry on me on the following dates I have been a victim of Fraud and per FCRA Experian should be reporting my information accurate : Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I need these fraudulent inquires removed from my credit reports.
Product: Credit reporting

My apt manager was a XXXX lived there for XXXX years with a roommate.She let it go so badly I had to leave. Every thing was bug infested abd ruined. Now I canot get one thing straight. I do not owe my roomates half and they will not take any offer to get this resolved. I need to get a place and thie a nitemarre on my credit. 13 years is along time to live somewhere never late on the rent. I have pictures of the bugs. I need this off my credit. I am XXXX on XXXX alone, so I do not have time for these games
Product: Mortgage

I applied with American finance which was listed as an approved lender for XXXX  loans. On their website it specifically says can be approved with a score of XXXX, pic included. At the time I applied my scores were low, apparently lower than XXXX. That was in XXXX. I then hired a credit repair firm which only charges if they produce work. My score increased significantly. I continued paying debt down and off. I opened new accounts to increase my available credit. And when all my scores were over XXXX, I reapplied last week. I found a house I wanted to apply for and explained this to the agent or loan officer. He immediately reapplied and I was notified an inquiry had been placed on my credit. I got nothing. No response whatsoever from him. No email, no call, nothing. I emailed again the following day, what is the status. Nothing. Emailed again, still no response. I then called on Friday and spoke with someone explaining I want someone who can communicate with me. I have no idea what is going on. The house we wanted we just lost, my score dropped because of the inquiry, and I have no idea if I have even been approved or denied. They also told me that even though the usda website says you can use a usda loan to build a home, no lender will allow that and I cant do it.
Product: Student loan

After reading the recent lawsuit against Navient, I feel empowered to share my experience with having my loan serviced by the company and the problem I had when they were XXXX. Basically I had trouble where I had lost my home XXXX. I had lack of correspondence with the loan company and they put me into default fairly quick. I was receiving calls by their collection servicing company at my place of work threatening to garnish my wages if I did not pay all of the loan balance upfront. They offered shady payment plans that did not make sense. After speaking with XXXX and letting them know they had been trying to contact me on all of the wrong avenues they pulled my loans out of default, but the company they they used ( can not remember the name ) kept calling me and harassing me for the balance they they no longer needed to collect. 

After my loan was back with XXXX they has casually offered me the option of forbearance as a way to not pay the loan for 6 months and offered for me to defer my payments rather then set up for a income-based payment plan that I am on now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit agencies had refused to remove an account on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Product: Debt collection

I have been attempting to find out how much is due and they told me that they have to compute how much is owed and it will take several days for that to be computed. They have stated to me that they do not know how much is owed or what has been paid.
Product: Student loan

I made my XXXX 2017 payment in XX/XX/XXXX. I noticed it never came out of my account so I contacted Discover Student Loans and was told by written correspondence and over the phone twice that my payment was not received and to check with my financial institution. I called in again and tried to make a payment over the phone, despite the fact that I was on hold for twenty minutes, Discover was unable to make the payment and told me to call later. I work and do n't have time for twenty minute calls like this. At the same time, Discover has taken away my ability to make on-line payments. I contacted Discover in writing again and again was told that the late payment was my fault and that my interest rate has gone up because of it and that on-time payment benefits have been cancelled. Now today, XX/XX/XXXX, the XX/XX/XXXX payment has finally come out of my checking account from two weeks ago and I called the number on the letter that Discover sent me and I was told that was the wrong number to call ( again ) and that the department that needed to help me was not available because I called too early. The letter did n't list a time to call. In fact, the letter says that help is available 24/7 but no one on the phone or on line has been able to help, everyone has insisted this is my fault even after they now have my money which proves I made the payment. It 's a lot of hassle and makes absolutely no sense. I do n't have time to call Discover all day long to try to resolve this.