23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or around XX/XX/XXXX, I received an email from my credit card provider, Citi, that a payment had been made on my account that covered the entire balance of the card. After a week, the balance did reflect that payment being made. I did not make that payment, I called Citi to question it and they said someone called and paid off the balance on my credit card. I did not further question this, I just assumed it was a gift. Shortly thereafter, I transferred a balance onto the card and made some purchases. After 3 weeks, the person who was allowed to mistakenly pay my credit card reversed that payment. Citi put the balance back on my card and is now making me pay anything due over the credit limit by XX/XX/ or they are going to terminate my current promotional balance and completely ruin my credit because i will be unable to make this payment. 

I called them and told them there is no way I could make that payment and it'd be 5 months before I could come up with that kind of money, but they did not care. They do not believe that they did anything unethical. They allowed someone else to pay off my credit card, took away my entire balance, then reapplied it all without my acknowledgement. I have no issue paying back the full amount. My issue is that Citi is now trying to charge me the entire amount over the limit due to their mistake and will not work with me on this whatsoever. This will ruin my credit due to Citi and someone person mistakenly paying the wrong credit card & them allowing it to happen in the first place.
Product: Credit reporting or other personal consumer reports

Experian is reporting several inquiries without my consent. I did not give permission for these promotional inquiries or for Experian to sell my information as solicitation purposes. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX EXPERIAN Inquired XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, EXPERIAN Inquired XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, EXPERIAN Inquired XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX, XX/XX/XXXX, EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN BUSINESS XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a debt collector pursuant to 15 usc 1692a ( 6 ) and has violated my right to privacy by committing identity theft. Term identity theft means a fraud committee used the identifying information of another person, subject to search for the definition as the bureau may prescribe, by regulation.XXXX XXXX XXXX has never received written instructions for me authorizing the furnishing of any information to third parties in violation of 15 USC 1681B, permissible purposes of consumer reports in general subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates.This company has violated many of my rights and I will be pursing further into this and will be hiring and FDCPA advocate to move on and start a claim in court. this company has violated many rights which is {$1000.00} per violation.
Product: Checking or savings account

I opened an account with Wells Fargo as I was told it's a good bank by friends and family. I moved my savings into the account to fund it and also use the account to receive my paychecks from my job. I was not given a card in the branch but I was told I'd receive one in 7-10 business days. 7-10 business days passed by. I still didn't receive it. I called Wells Fargo and was told I need to wait a few more days. I waited a few more days until I never received it. I went into my account to set up my direct deposit from work when I discovered {$10000.00} has been withdrawed through ATM withdrawals at various branches. How is this possible when I did not have my card? I filed a fraud claim with Wells Fargo for these XXXX unauthorized ATM withdrawals. Wells Fargo denied my claim stating that I or someone that I know used the PIN to make these withdrawals. I was not in possession of the card as I did not receive it. Skimmers and other technology exist to extract data from cards which is very possible. Wells Fargo refuses to open the claim as they claim it's my fault that this happened which is absolutely biased. 
I'm reaching out to CFPB in hopes there is resolution. I'm highly disappointed and also behind on my bills because this happened. I trusted my money with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no judicial system releases information to second or third parties because its illegal and I can sue them.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Consumer Loan

Kia finance created XXXX accounts for my loan. I was unaware of the XXXX accounts and continued making payments under the initial account, though payments under XXXX account numbers show I have not missed a payment. They have sent me letters saying I am in default and am risking repossession. I have bank statements, as well as the combined account statements that show I have never missed a payment. I have been charged late fees, when payments have not been late. I have been unable to resolve this with Kia after months of attempts.
Product: Debt collection

Spring Oaks Capital is sending letters to me in regards to a debt that wasn't opened by me. I asked them to send me a copy of my id not a history of payment that was made by someone who opened an account in my name. That doesn't show that that I opened the account. You can buy a closed account and expect me to pay for it because the creditors didn't protect me and allowed someone to open an account in my name. I understand that they bought this account for pennies and trying to collect {$900.00} from me. I have no contract with this company and I will not be paying this
Product: Payday loan, title loan, or personal loan

I am XXXX, over XXXX years old, and I live of $ XXXX/month in  XXXX income. On XX/XX/2019 I acquired a {$500.00} title loan. At the time of signing the loan, I was unaware, that my vehicle was used as a collateral for the loan. I was told by Speedycash Customer Service, that Speedycash would never repossess vehicles, because that " was not worth it ''. 
Due to increased medical expenses due to my XXXX I felt behind with my payments. I contacted Speedycash Customer Service and they were absolutely unwilling to respond to my payment plan proposals and also very rude. All they did, is to overwhelm me with collection calls. So I wrote several letters to their Company Headquarters and also to their CEO 's office, proposing several different payment plans, that would allow me to pay off the loan with lower payments. I never received an answer to my requests. I tried a complaint with the XXXX  in their area, also without success. 
I simply do not know, what else to do, so I sent another letter in XX/XX/2019, asking them to write off the balance, if they are unable or unwilling to solve the issue with me. 
However, I did make several payments in the beginning of the loan term, but Speedycash did not deduct them from the overall loan balance.
Product: Debt collection

This is a  XXXX  debt that is being handled  by Pinnacle Credit Service but a lso being sought on by LVNV Funding LLC. The credit bureaus are reporting what is being sent to them monthly.
Product: Debt collection

XX/XX/year>, I sent a certified letter to the creditor disputing the collection item on my credit report and requesting debt verification. The letter was delivered, but I have not received a response over 30 days later.
Product: Credit card or prepaid card

On XX/XX/2021, I paid the balance {$8900.00} but I inputed the wrong number, because I thought the account number is the wire number. I contacted with the bank to tell the truth, and the customer service told me that they know it now. One reject payment would not close the account, unless you have two rejected payment. This is Synchrony bank rule. 
I only have this one time reject payment, so I paid my full balance at {$9200.00} on XX/XX/2021 including the orders still pending and undelivered. The statement is shown up in XX/XX/2021. I paid the full balance after 1 day. 
On XX/XX/2021, Synchrony bank closed my amazon store card account. Their reason is that they thought I could not pay my balance. This is unreasonable. 
I have {$710.00} rewards on my account, and they don't give it bank to me when they close this account. They don't have any reasons to close my account unless they try to un-pay my rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Lexisnexis dated on XXXX starting that I would like all my information removed from their system due to violating my consumer rights of privacy and permissible purpose. The information that is on this report stems from XXXX  while I was still a minor up until now. I sent it to the XXXX XXXX address where I received notification that the company has moved and there's no forwarding address. I called them today and I spoke with a representative by the name of XXXX. This representative of Lexisnexis told me that she could provide to me ways to opt out but her company will not do as I ask and remove the information. I ask several times during the conversation and she continued to provide me ways to opt out. LexisNexis is willfully housing, sharing, sending information that is damaging to my character and my reputation. They are in violation of Title 15 USC 1681 ( a ) ( 4 ), Title 15 USC 1681 ( B ), Title 15 USC 1681 ( e ) and now they are holding my information hostage so it is definitely intentional violating Title 15 USC 1681 ( n ). I also have a voice recording of the call where the representative continues to give me options in which I did not ask for.
Product: Checking or savings account

I applied for a job and it turned out to be a fraud. 
On XX/XX/2018, While studying at XXXX  XXXX  University, I once decided to look for jobs through a website called XXXX, which is affiliated with XXXX and I could not join the website unless I use my student email, which has the XXXX domain in it. I stress that XXXX 's job website encourages its students to use XXXX to look for jobs. As I looked through the jobs, one caught specific job caught my eye ; it was a virtual assistant job for XXXX XXXX. I applied for it and got " accepted ''. 
On XX/XX/XXXX, I receive a check of {$1900.00} via mail from my " employer '', with a set of instructions that were texted through messages. I deposited the check into my Bank of America Checking Account and received the funds onto my checking account pretty quickly ; the instructions they gave me were to buy {$500.00} worth of XXXX cards to check for my loyalty to the company. 
Being a XXXX year old at the time, and recently moved to the United States, I was never warned or have dealt with anything like this, I had no experience with being used in such way. It was also my first time ever applying for a job, and as XXXX was what XXXX used to provide its students with jobs, I trusted the university and fell for the fraud. 
Later on the same day, they instructed me to wire {$1400.00} via XXXX to another XXXX in XXXX XXXX  XXXX, Tennessee. At this time, i felt that something was wrong, but I got scared and went ahead with it as I did not know what I was dealing with and I just wanted to get rid of the money. 
Directly after, I drove down to the XXXX police station and told them about what happened, and the kind officer explained to me that I was the victim of a fraud case that has happened to many students before me. I also went down to XXXX XXXX Police Department to report the fraud case. 

The next day, Bank of America then took funds equivalent to the check ( {$1900.00} ) out of my checking account, as it turned out that the check was not a real one, and directly closed my account and could not help me with the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX, Midland Credit Company Profile add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Student loan

Navient contacted me from XXXX during my working hours. Even after notifying them of starting a payment plan and had an agency to represent me on behalf of me for my debt after on XX/XX/XXXX and to push all further contact to them they continued to contact me and even threatened to harm my credit by reporting missed payments. They did such even with debt representation ( national debt relief ). They kept asking me if I was " refusing to pay the debt '' which I responded " No, this is my representation please push all further contact to them. " Which has not happened. 

They're been calling me from a myriad of numbers as listed below. Even after reporting legal representation. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Student loan

The Seminary I attended in XXXX says I have an unpaid loan for {$970.00}, but the only proof of the loan they can provide is an email, that the author has no memory of writing. 
My issues with the debt are : - I did not apply for this loan or receive any funds from this loan- I withdrew less than 2 weeks into the semester- I legally could not take out a loan due to loan forgiveness from my In the Line of Duty Injury - They can not provide a loan application or canceled check - The only documentation of the loan that LTSS has provided me is an email that the author has told me she has no memory of writing.

- LTSS has refused to provide me a loan application, canceled check or an official invoice to verify this loan - The Seminary will not release my transcripts and LSAC is requiring this transcript The loan that there attributing the {$970.00} balance to is a zeroed out forgiven loan by the department of education. It was forgiven and pardoned in XXXX and the seminary refused to give me the information they just forwarded this information to the South Carolina department of consumer affairs. I contacted the department of education and Nelnet and Nelnet says that when they forgive a loan, they pay the full loan so the {$970.00} cant be valid if its attributed to the loan they are citing. Nelnet is the administrator of loans and spoke with XXXX at Nelnet and she stated that they forgive the loan in its entirety and they said its the responsibility of the university to zero the loan out. Also i have text messages where the university has twice invalidated the loan and then brought it back to life and those messages show the administrator admitting to the other agent was lying and they knew that the loan was invalid back in XXXX when they brought me back to the university. And this same administrator admits that he invalidated the loan also and that's why he allowed me to take more courses at the university. But now the loan is back with no explanation. I also have the download and my discharge letter that shows that the {$970.00} shouldn't be valid. And according to department of education when they XXXX  out a loan not only is the loan completely paid for but if i would have made any payments toward the loan they would have been paid back to me.
Product: Checking or savings account

XX/XX/XXXX Credit Karma XXXX XXXX XXXX account hacked into. Hackers transferred {$2000.00} from my XXXX account to my XXXX  Account. Hackers spent {$2000.00} using my hacked virtual debit card issued my Credit Karma Money at a XXXX XXXX in XXXXXXXX XXXX XXXX online. I noticed only XX/XX/XXXX when I logged into my account. Phone number also had been changed to an XXXX XXXX  area code number ( Im in XXXX, XXXX  ). Fraud dispute issued with Credit Karma Money, their bank and XXXX. Store called and alerted by myself. Credit Karma associate hanging up on me and refusing to assist. One told me I most likely am XXXX XXXX XXXX XXXX With?!? Please help.
Product: Payday loan, title loan, personal loan, or advance loan

Dear all, I took out a loan with Credit Fresh and have realised the bi-monthly payments are too high and unaffordable for me. 
I have made 3 payments so far.

I called Credit Fresh today ( XX/XX/28 ) to explain the situation and asked if I can make monthly payments instead of bi-weekly to help with the affordability issue and they refused. 
They advised they can not or will not reduce the frequency nor the payment amount until Ive paid off several months. The other option they have is to not pay and go into a past due status which will lead to credit score being affected and eventually collection.

I spoke to both an advisor on the phone and their manager who both refused to assist. 

Please could you advise what options I have? 
Surely as Im not in arrears and trying to make a more affordable payment, they should be willing to assist? 

Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am filing a complaint against TransUnion, LLC due to their failure to remove unauthorized credit inquiries from my credit report, despite multiple requests and documented evidence that these inquiries lack my authorization. These unauthorized inquiries have impacted my creditworthiness, and TransUnions lack of compliance with the Fair Credit Reporting Act ( FCRA ) has infringed upon my rights as a consumer. The details are as follows : Unauthorized Inquiries : My credit report lists the following unauthorized inquiries : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, and each entity listed above has confirmed they have no record of my authorization or any permissible purpose for accessing my credit information. 

Violation of FCRA Regulations : TransUnions failure to remove these inquiries constitutes a violation of the following sections of the Fair Credit Reporting Act : Section 1681b ( c ) : Credit reporting agencies may only provide reports for specific, lawful purposes. None of the inquiries listed meet these requirements.

Section 609 ( a ) ( 1 ) ( A ) : TransUnion is required to verify each inquiry by providing the original signed consumer contract. To date, they have not provided this verification.

Section 1681i ( 5 ) : This section mandates the prompt deletion of inaccurate or unverifiable information. TransUnions refusal to act on unverifiable inquiries directly violates this requirement. 
Dispute and Response : I originally filed a dispute on XX/XX/XXXX, through both TransUnion and the CFPB under report number XXXX. In response on XX/XX/XXXX, TransUnion stated that inquiries remain on the report for XXXX years, suggesting that I contact the companies involved if I believe there was no permissible purpose. This response does not address the core issue, as TransUnion has not provided any proof of authorization or a permissible purpose for these inquiries. 

I am requesting the CFPBs intervention to ensure that TransUnion removes these inquiries from my credit report as mandated by federal law, and that they are held accountable for their lack of compliance with FCRA regulations. 

Personal Details : Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Date of Incident : XX/XX/XXXX ( initial dispute, report # XXXX ) Company Address : TransUnion, XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX