23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The minimum payment on my Walmart credit card is XXXX according to their web-site, the attached screen shot shows XXXX due on XXXX. However, payment options below offer a different minimum payment in the amount of XXXX. I previously paid XXXX on XXXX, I believe XXXX was minimum amount due last month. I did schedule a payment in the amount of XXXX on XXXX. I did not check for a late or over limit fee, however, I should not be charged one as their site is indicating a different minimum payment due. A previous complaint was made in regard to their high minimum payment due, Ive been trying to catch on up several credit accounts as I have fallen behind to due to several medical bills incurred by my mother who I take care of. I have several other accounts with Synchrony Bank including JCPenney, Toys R Us, Amazon. Most recently, my Banana Republic account was paid off, however, still closed. I have not checked into these accounts so I do n't know if the same situation in regard to payment due is happening with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Penn credit Corporartion did NOT address my concerns. The did NOT send adequate verification of the alleged debt. They are in direct violation of my rights under the fair credit act. They must delete this erroneous account immediately. I have sent them proof of TAX return 2019, W2, paystubs, and a lease agreement in the persons name who apartment belonged to and they've done nothing to assist me in a resolution. They are not interested in hearing the facts. They did nothing to resolve this issue. I will seek legal action against Penn Credit corporation if they don't fix this matter right away. 

I have attached copies of all the documents sent to Penn credit corporation
Product: Credit reporting or other personal consumer reports

Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX I wrote to the company : My information may have been impacted by the XXXX Data Breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my report and I sent in the ID theft affidavit and the consumer reporting agency had re-inserted this account to my report.
Product: Credit card or prepaid card

I am writing today in regards to my account with SYNCB/Paypal Account XXXX XXXX It seems that in XX/XX/2023 a late pay is reporting on my credit report. I have tried to maintain good credit I somehow missed this payment but as soon as I was made aware of this I quickly got the account caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to NORDSTROM CARD SERVICES concerning my credit report. Due to suspicious activity on my credit report. I simply asked NORDSTROM CARD SERVICES to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.
Product: Credit card or prepaid card

I WAS CHARGED ON XX/XX/13 FROM A COMPANY CALLED XXXX XXXX XXXX   FOR XXXX ON MY CHASE CARD AND I NEVER AUTHORIZED THIS CHARGE AND NEVER DID BUSINESS WITH THIS COMPANY. I LIVE ON A FIXED INCOME AND THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK
Product: Credit reporting or other personal consumer reports

I underwent a XXXX  XXXX situation where my finances were stripped and was incapable of paying the loan XXXX of 2021. I have consistently never missed a payment and the situation I underwent prohibited me from being able to pay on time. Id like for this to be removed since the police had gotten involved and had to recover my finances.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX delete all other addresses, I can not receive mail or any correspondence nor do XXXX have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 an inquiry was placed on my credit. I did not authorize my credit to be used or ran.
Product: Credit card

to whom it may concern : I got a line of credit loan from Wells Fargo. I was paying prime plus XXXX for several years. All of a sudden the jumped up to prime plus 8 % for no reason. I need help with this. I do not feel this is fair. I called to see if they disclosed to me the min and max amount. They said they do not provide anything in writing. They only do this verbally. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a credit card with XXXX and two credit cards with capital one. I recently went to apply for a loan and was surprised to hear that nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.
Product: Student loan

Since XX/XX/XXXX I have been having problems with XXXX XXXX / Navient with repayment options. I been in positions when I was able to make payments on auto debit from my account but was still receiving late fees on my account even after setting up auto payments. The did not credit me back or take care of this issue which causes me to pay more money toward fees and not even towards my balance. After a few years I went through some hardship and explained to Navient the private loan department my situation, they put me in a unaffordable programs and told me that it was my only option. I made several attempts to keep up with the program and due to rising payment and additional late fees it put me in more hardship. Then I was denied XX/XX/XXXX for lowering my payments again due to hardship from over paying these loans and was sent two documents regarding a lawsuit against me for either not making payments on time or not making full amount payments. I was told even if I pay the minimum I would still be taking to court .. these payments were anywhere from 400- 1000 dollars a month and my yearly income is only barely XXXX Year. I told Navient I would be gladly to pay but I need an option that will be doable based on my income and I was denied and threaten to be sued. They harass my family exposing my business to people in my family I did n't want to know that I 'm going through tough times, they hound and call my phone several times a day. They are calling family members that I never authorized for them to call in case of an emergency. They are saying that they will basically hinder my future if I do n't pay them XXXX a month in late fees..when I originally applied for these loans I was told that these were federal loans and that I would be giving a payment based off my income as little as 0 - 60 bucks. Come to find out these loans are from a private lender and that 's why I 'm being sued. I have been paying on these loans for 4 years and my balance only dropped barley 2,000 dollars after 4 years..
Product: Student loan

Earlier this year I contacted Navient about my loan and how to lower my interest rate. They stated if I delayed payment for two months Id be able to qualify for a different program, which includes a low ( lower ) interest option. However, when the time came they told me there was nothing they could do. I then had to make two payments and instead of applying to towards any principal they applied it towards capitalized interest. This is absolutely terrible practice. I then called to have them pull the recording of the call and they declined to help at all. At this time I have a 10 % interest rate and owe $ XXXX for a loan that had a beginning balance of $ XXXX.
Product: Checking or savings account

Date incident occurred : XX/XX/XXXX Date contacted Chase : XX/XX/XXXX Transaction Amounts : {$800.00}, {$500.00} I contacted Chase on the morning of XX/XX/XXXX when I noticed that my debit card was missing. I noticed that there was two new withdrawals ( {$800.00}, {$500.00} ) that I did not withdrawal. I reported the withdrawals to Chase that same morning. I told Chase that I had my card number written on my card because I have a babysitter that uses my card for my daughters needs while I work. Chase told me that they were going to reverse the money back into my account and investigate. Chase then contacted me a week later and told me that they were going to send me two papers that I needed to sign so they could further investigate the issue. I returned the papers and two days later I received a letter stating that my claim was denied. I contacted chase and asked them why and they continued to state that I still had my card when these transactions were made and that the person that used my card didnt put the pin in multiples of times ( WHEN I TOLD THEM MY PIN WAS ON MY CARD ) and they also said because a XXXX XXXX automatic payment came out of my account on XX/XX/XXXX. I continued to tell chase that I did not have my card and that the XXXX XXXX automatic payment was processed on XX/XX/XXXX. Chase then asked me if I had documentation like a work schedule that could prove that I did not make these transactions. I provided Chase with my work clock in/outs and dates. My work schedule said I was at work from XXXX the day of the incident. The fraudulent transactions were made in an area that is 2 hours away from where I live/work. One day after providing Chase with my work schedule they still stated that my claim was denied. Chase then sent me to the executive claims department in which a lady named XXXX said that she was going to look further into my claim and get back with me. XXXX never contacted me once I contacted XXXX numerous of times and left messages in order for her to call me back regarding my claim. XXXX contacted me back and told me that she looked at my claim and that my claim was still denied. I asked XXXX why and she said that the dates did not add up. I told them I was taking this to court in which Im in the process of doing so. I was without any money for two weeks. I could not buy gas, food or diapers for my daughter and my account is still in the negative.
Product: Student loan

This involves complaint XXXX which was closed prior to proper resolution.

I applied for XXXX Annual Recertification on XX/XX/XXXX. On XX/XX/XXXX, my XXXX application was denied. Yesterday, XX/XX/XXXX, complaint XXXX was closed incorrectly based on the company 's response.

My wife 's XXXX application was approved on XX/XX/XXXX. My wife is not employed. How can her XXXX be approved and mine be denied when we are married filing jointly?

The only thing that changed in terms of income in the last year was the Trump tax bill. My income at XXXX XXXX only increased moderately due to working full time at XXXX XXXX and XXXX for two months due the necessity of replacing the engine, alternator and rack and pinion on our 2008 XXXX XXXX, a {$7300.00} expense. I remain a XXXX XXXX XXXX XXXX at XXXX. I will be in a similar position next year as I worked full time at XXXX XXXX during the Trump federal government shutdown. My wife remains XXXX.
Product: Debt collection

XX/XX/2022, called repeatedly from then on once a day. 
Then received a call from a " Private Investigator '' hired by the company to come to my home and assess my assets as well as place of business etc. 
I had my attorney call the number back of the " private investigator '' to no answer. 
Sent in two certified letters via mail asking for the stop of harassing phone calls and to provide info via mail as to why they are contacting me as well as provided a no trespassing form and letter advising this company that any outside hired associate or any associate was prohibited from stepping any where near my private residence or any place of business. XX/XX/XXXX they have disregarded. They repeatedly call from different ghost /spoof numbers including the " private investigator ''.
Product: Debt collection

I request that Experian investigate these accounts and block or remove them from my credit report as they do not accurately reflect my credit history. I have attached supporting documents for your review. 
I appreciate your prompt attention to this matter and request that you provide me with an investigation results and an updated copy of my credit report once the accounts have been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My information was sold and bought illegally because I was a victim of the + XXXX-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$7400.00}
Product: Payday loan, title loan, or personal loan

Fixed interest rate of 15.41 % flucuates frequently. At 15.41 % Fixed, interest should calcuLatE to no more than {$100.00}. 
HOW ARE THE amountS of interest in excess of {$200.00} per month or from {$90.00} to {$250.00} a month GOING TOWARDS INTEREST? Clarify these amountS and where is the rest of the money going??? My payment are {$690.00} a month and and you deduct {$700.00} every month where is the credit of {$2.00} going as well as the miscalculation in a fixed interest RATE OF 15.41 %???????????
Product: Credit reporting or other personal consumer reports

Voluntary repossession XX/XX/XXXX. XXXX XXXX showed the account closed since that date. With a closed balance of {$5600.00} No action or activity whatsoever by me since that date Now XX/XX/XXXX they claim the account is open and has new activity - False
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX account is paid off still showing a balance Credit Collection is showing I owe the And I do not.
Product: Credit reporting or other personal consumer reports

Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Transunion and Equifax to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX. Account Name : XXXX XXXX Account Number : XXXX Account Balance : XXXX XXXX. Account Name : XXXX  Account XXXX : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Account Balance : XXXX ADDITIONAL ADDRESSES LISTED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/18 a complainant was sent to XXXX XXXX XXXX from CFPB on my behave Complainant number XXXX. As previous stated the debt is not owed. The response from collection company was as follows : " We have contacted the creditor and requested they review their file to verify insurance claims filed and payment received. Also request confirmation of the balance due ''. 

It has been 8 months since the company responded to the CFPB about my complainant and I haven't heard anything from them since. It has been more than enough time for the company to verify any and all information. Therefore, I am requesting that all information about XXXX XXXX XXXX  and any debt reported be removed immediately from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged deb which is a violation of the FDCPA. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. 
i am the original creditor so only i can validate this debt pursuant to 15USC 1692g and i do not validate this alleged debt. Sending things like contracts and bill statements is not a validation of debt under the FCRA AND FDCPA. As of this moment i am not seeking monetary relief i just need the alleged debt removed from my consumer reports but if its not i will be suing and seeking monetary relief of each individual violation that you have violated and also the emotional distress you have caused me hopefully it wont have to come to that, The ball is in your court you determine what happens next i know the law is on my side
Product: Checking or savings account

I deposited my check on the Chime mobile banking app on XX/XX/XXXX. Its now XX/XX/XXXX, and I still have no access to any of my funds. This has been extremely stressful as I rely on my checks for a majority of my bills and spending. They only send an automated message, no one actually tries to fix the problem. I see multiple people experiencing the same thing, and its the same. This is by far the worst app I have ever used and I wish I never downloaded it
Product: Debt collection

I do not believe that debt that is being reported on my credit report is valid midland credit management amount of {$370.00} opened XXXX XXXX i dont know anything about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enticed with credit card and loan offers with fair or outstanding approval odds Ive applied and get denied leading to unexpected and unnecessary credit inquiries with the belief that no effect on my credit would happen through credit karma now my phone and email is bombarded with scam loan offers and XXXX party loan finders that I dont respond to
Product: Credit reporting, credit repair services, or other personal consumer reports

Everytime I file a dispute with Equifax they send me the attached letter l. Saying they can't locate my file to keep from investigating my dispute so I'm attaching the letter they sent me along with a page from my tax return with my Social and a check stub if Equifax persists in breaking the law I will be forced to file a complaint in Federal Court.