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

i became a lendup card member since XX/XX/XXXX to move up the ladder you have to pay on time, update correct contact info my card was up for review for a credit line increase i had called to update my phone customer service called and when i answerd they hung up and sent an email stating they needed a code to get throughwhich was not true i had a dial tone couldnt call out but i could recieve in coming calls.i was denied a credit line increase there excuse was i was over my limit it was there interest fee that brought me over the limit from XXXX to XXXX credit limit is XXXX i was angry because they are playing a game what ever is going on at the moment emailed several times and stated close my account. they sent an email on a saturday that stated my account is closed there office is closed on weekends i called monday morning wanted my card re-instated i was told they cant made my payment of XXXX min of XXXX and XXXX for the overdraft.i was told my account was closed and couldnt re-open my account shows available credit of XXXX and is still open at this time looked up the card agreement it states i can cancel at any time and can be re-instated they de-activated my card so i cant use my avail. credit the card agreement and or disclosure had been breached by the lendup card co.
Product: Credit reporting, credit repair services, or other personal consumer reports

took my ftc off and added as a debt collection fcra violation equifax and XXXX XXXX XXXX inc XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE APPLE CARD/GS BANK USA 10 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5000.00} Balance updated XXXX XXXX, XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX CO - XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - CO XXXX XXXX CO XXXX XXXX XXXX XXXX Account charged off. {$5000.00} written off. {$5000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$5000.00} Highest balance {$5000.00} Monthly payment - Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ran my credit twice for the same credit card. There are two inquiries listed on my XXXX  when there should only be one inquiry. The inquiry for XX/XX/2019 is an error
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 



XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$10000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
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 and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX. 

XXXX. XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX 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 an 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, 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: Debt collection

I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XXXX of XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT XXXX. XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from XXXX ) I wrote a letter disputing the disposition fee charge of {$350.00}. XXXX To Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XXXX for a settlement at a less amount from XXXX {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from XXXX. I sent this letter to both of them. Here it is XXXX XXXX, XXXX and I received another letter from XXXX Debt Collector that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.
Product: Credit card or prepaid card

This is a more important matter than what it may seem because I have excellent credit and have never had a 'past 30 ' or a late pay of any sort in 25 years. HSBC 's inability to correct their mistake has lowered my credit score significantly. I have tried since XX/XX/2018 to get HSCB to  correct this simple error. I have tried by phone, online chat, email and a written dispute with HSBC directly. I have filed this dispute with all major bureaus. My last attempts were between XX/XX/XXXX - XX/XX/XXXX. I  opened their credit card In XXXX and closed it within 5 mos. because HSBC 's online autopay system was unable to process payments. A person has about a 30 % chance of reaching HSBC, hearing a human voice, being routed in less than 3 attempts to the right department, not being disconnected, being given correct advice, or having their issue resolved. HSBC is well aware of the above issues. Out of 387 complaints recorded within a 7-month period of time from XX/XX/2018 -- XX/XX/2018 approximately 80 % were related to the above. I want HSBC to remove the negative mark on my credit ASAP because they were unable to collect my payment automatically from my bank account. I would also like HSBC to directly apologize to me and the 10s of thousands or millions (? ) of other consumers affected by their inexcusable lack of service and concern
Product: Mortgage

I submitted a complete Borrowers Response Package on behalf of my clients on XXXX/XXXX/2016. The Borrowers were finishing a Forbearance period upon submission of the package for review of modification and other options. As of XXXX/XXXX/2016, the SPOC, XXXX XXXX at PHH Mortgage Servicing Center reviewed the file with me. She stated that she sees the documents were scanned to the Borrowers file. However, no action has been taken to open a review. I inquired about an Acknowledgement letter being sent to the Borrowers. She verified that one was on the file, but was never sent to the Borrowers. I requested escalation of the file. She stated she will email the Document Review Department. This file was submitted on XXXX/XXXX/2016. It is now 40 days from the submission of the Borrower Response package without being looked at.
Product: Credit card or prepaid card

A card was opened for XXXX XXXX in my name. In XXXX of 2022 I sent an Identity Theft Report to Equifax to get the XXXX XXXX account removed from my credit report, but it has not been removed. Before the Identity Theft Report was sent to them I unsuccessfully made an online depute and wrote a letter after the online dispute. Nothing has seemed to work. Equifax has not removed this account from my credit report. It was opened by a friend of a friend who thru the mutual friend gained access to all of my informs and began opening varios credit cards in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In my last dispute I requested removal of the account in its entirety, removal from collection along with all late payments reported in good faith. There is an inconsistency since in the 3 bureaus I have different information regarding this account. XXXX with 0 late payments, in another bureau I have it in collection and with late payments. 
I was never notified about the collection, and I have been disputing these errors and requesting removal of them for approximately two years without success. Since as soon as I realized that they sent me to collection I settled the account. Action that I took so that my credit would not continue to be affected. Up to now it is the only negative item that I have in my reports, and it is greatly affecting me.
Product: Checking or savings account

On XX/XX/XXXX, Suntrust allowed a wire transfer of {$2900.00} out of my daughter 's savings account, I am also on the account. There was not even {$2900.00} in the account. I saw it immediately, put {$300.00} in it to bring it to even. She works late shift, I had to wait for her to wake up from working until XXXX XXXX, she let me know she does not know what happened. It was not anything she did. We called the bank, and by the time we did, the {$300.00} that I had put in was also gone ... all of this happening onXX/XX/XXXX. The bank will not put the $ back in, will not do anything other than say " our fraud department will handle it ''. 10 days later, no $ has been put back, no updates. This was over 60 % of of my daugher 's funds. They closed the account on the XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : Unknown Account Number XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. This creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy. 15 USC 1681 sections 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCs 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 or other personal consumer reports

I have inaccurate information on my credit report and I was informed it's due to XXXX XXXX. I requested these accounts with them to be removed as well as my information to be locked a year ago and that has not happened. 

I reached out in XXXX of this year to have alot of information removed from my consumer report and I did not get correspondence back. 

I am reaching out again as this is hurting my credit and has cause my score to decline significantly.
Product: Vehicle loan or lease

I had called the company that I did not sign for a car and they told me that yes in 2015 I said no I dnt even drive I go in the bus every day all they said is that no u owe this ... ..so I am writing to dispute these collections account. Under the laws of FDCPA and under the advice of my attorney, I have already sent them a dispute to the agency requesting validation of the debt with no response, asking them to validating my debts, and the receipts showing that I send these letter certified signature requests. These debt are not mine and I was given no evidence of my obligation to pay this debt to this collection agencies.
Product: Student loan

I have been in contact with Navient for years asking for information regarding the school that I attended which was closed down due to fraud asking for assistance. They refuse to give me any information or advise me what action I need to take to regarding the student loan balances. 

I received an email from Navient advising me my forbearance period expired and to contact them before XX/XX/XXXX to prevent any negative reporting. I called on XX/XX/23 and spoke with an agent requesting a forbearance and that I filled out the borrower defense package which they never advised me of even though I reached out to them numerous of time asking for assistance regarding the school and the student loans. 

On XX/XX/XXXX I received an email from them saying my loan is still pass due. I called again and spoke with a representative who advised me that once the borrowers defense is received they will place the account in an administrative forbearance. I told them that I spoke with a representative on XX/XX/23 requesting a forbearance until the borrower defense issue was resolved and she basically disregard what I said, she advised me that I would be reported delinquent to the credit reporting agencies even though I reached out requesting the forbearance prior to the reporting. 

I asked to speak with a supervisor and he basically told me the same thing and acknowledge that I spoke with the representative and advised me to contact the credit reporting agencies to dispute the reporting. 

I asked him for the same forbearance, he went over disclosure statements and it is now six hours later and I still haven't received any confirmation of the forbearance I have asked for twice.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX. Toyota sales personnel refused to negotiate a lower MSRP of {$30000.00}. I had been looking for a new car as I had totaled my XXXX XXXX in an accident on or around XX/XX/XXXX. During the course of looking, I noticed the MSRP on the XXXX XXXX listed with a price tag of about XXXX. The XXXX XXXX value also list a sales price of {$26000.00} see attached I also noticed the older cars had sales prices of {$34.00}, XXXX or above, years XXXX and up. As I was homeless at the time and without a permanent home, my car was of vital importance to me. I informed the salesperson of this, and he stated I should never tell anyone I needed a car. In trying to get a fair price, I inquired as to any discounts available. I informed the Finance person, I had a military ID. TOYOTA PROVIDES A {$500.00} MILITARY DISCOUNT as noted on their official website. XX/XX/XXXX Rule for military ex spouses. They refused to allow the military discount available but did give a {$500.00} rebate. They have also added fees entitled accessories of {$1600.00} in which I did not request or add any additional accessories or add-ons. The tinted windows came already with the car from the manufacturer.. The carpet in the car has dislodged from the molding holding it in place. The car does not appear to be new and has never had a new car smell, and in fact when I turn on the heat now, or not running the air it smells like a mans cologne blowing through the vents. I assumed I was buying GAP insurance, but instead it seems I have purchased an extended service agreement. I requested to pay for the insurance/service with cash but the finance officer said I had to have it included in the loan for the coverage to be in place. I also researched and discovered the invoice price was {$21000.00}. The whole experience was one of deception and cheating. The loan amount is {$10000.00} over what it should have been. The complaint is filed pursuant in violation of ECOA guidelines and FDCPA. 
The loan amount and balance due is is {$36000.00}. The sales price of the vehicle ends up {$32000.00} The amount financed is {$34000.00}. I am XXXX, XXXX American age XXXX, female,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello im not sure if I would classify this as a complaint this is more of a plea of help. Ive had my account with capital one acct # XXXX and I love the companyni recently added my XXXX  on as an authorize user. However, the tradeline is no longer reporting to his credit report. Im asking for assistance with this matter.
Product: Debt collection

I XXXX XXXX XXXX XXXX d/b/a XXXX XXXX entered into a consumer credit transaction via with Citibank N.A. in XXXX of XXXX. A consumer credit transaction in which the terms of the transaction were deceptive. A written notification dated XX/XX/XXXX was received from XXXX XXXX XXXX, a law firm that Citibank N.A asked to contact me regarding the alleged debt which is a violation of 15 USC 1692b ( 2 ) ,15 USC 1692c ( a ) ( 1 ) and 15 USC 1692e ( 3 ). A validation of debt request was sent to Citbank N.A/ XXXX on XX/XX/XXXX pursuant to 15 USC 1692 ( g ), which was ignored. A notice of dishonor and opportunity to cure the default was sent on XX/XX/XXXX and was ignored as well. Citibank N.A then filed a complaint to sue ( See Exhibit B ), which is a violation of 15 USC 1692i ( b ). Citibank N.A also committed additional violations as evidenced by the attached exhibits.
Product: Credit reporting or other personal consumer reports

My credit card was stolen from XXXX  and the Citibank MC people are investigating and sent me a letter saying so. But when I call in and via emails thar are sent to me and CREDITORS who are calling me : My account is 'past due '. CITIBANK MUST freeze this account now! Why on earth am I getting late fees and my credit score is being harmed for 'over due account ' when my account was STOLEN from? I am certainly not going to pay off the thievery? What in the XXXX is wrong with Citibank? They need to correct this NOW and alert XXXX XXXX XXXX XXXX NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX homeless n  cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Galaxy international purchasing LLC, sent me a letter, claiming to show up for a court date, but I have no knowledge of this debt, nor no where the debt is coming from. They have never notified me or anything now theyre threatening to take me to court and sue me and seize my assets and freeze my bank account. I just received a letter XX/XX/2023, claiming I have a civil action against me again no clue what debt I owe or who is it from was never notified at all now Im getting threatening letters from the company I receive eight letters stating theyre going to take me to court.
Product: Mortgage

My loan was recently transferred to Truist and I have not received a welcome letter with my account number and payment info so I can make a payment. I tried reaching out via social media and was told I had to call in for assistance. I spent over XXXX HOURS on hold before giving up. I was not given an option for a call back either. Im simply trying to pay my mortgage.