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

To Whom it may concern I went to Walmart to grocery shop. when I reached the cashier she asked me if I would like to apply for a Walmart credit card and I said yes she asked me a few questions and they replied back with what looked like a receipt. I looked it over and agreed to the terms and conditions. The card was through XXXX XXXX. I then signed my name at the bottom and gave it back to the cashier and she gave me a copy. My Walmart Credit card came in about seven to ten business days. I received a bill the next month after using it. I never paid what they would ask me for I always would pay more so I stopped opening the bill because I always paid three to  XXXXour times more then what they would ask for. About the end of the year I called to pay my bill and I noticed that my payment amount was very high. It left from been under {$100.00} to been over {$200.00} dollars. they informed that my due date had changed. I asked them why but they could not tell me why so went on and pay what I normally pay. Well by XX/XX/2020 when my bill came I opened it and it was still very high so I call them again and they said that because my due date had changed they were charging for 40 day instead of 30 days. So I asked them to change my due date back to the original date that I had from the beginning. After they did not do that when I got my bill for XXXX I realized that this was not XXXX XXXX it was Capital One I did not want to do business with Capital One because their APR was too high for my plus I never signed a contract with Capital One. I decided to just pay the bill each month until I pay it off. On XX/XX/2020 I decided use another card to do a pay off because I had a free APR with this new card for a year so I called Capital One for my pay off. My bill said my balance was {$4400.00} but the customer service representative said my pay off was {$4500.00}. I don t understand that. I thought when you pay the entire balance the interest rate comes off and it lowers the balance amount that you would have paid if you were paying a bill each month. Pius Capital One is behind on sending my information to the credit bureau.
Product: Debt collection

Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report, even after your Investigation. I would like this item Immediately re-investigated. The inaccuracies are highly injurious to my credit score. In accordance Credit Reporting Act, Public law 91-506 with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SEE ATTACHED. Petitioner incurred roughly {$220.00} in services at the XXXX XXXX XXXX  XXXX XXXX. Petitioner paid {$25.00} on-site as a deductible and the XXXX XXXX XXXX XXXX XXXX said they would bill his insurance. For whatever reason, they then began billing him for {$190.00}. Petitioner attempted, unsuccessfully, to have them charge his insurance company and ultimately paid the {$190.00} debt out of his own pocket. Now, four years later, Petitioner has learned that the XXXX XXXX XXXX XXXX XXXX never accurately reconciled the debt as being paid and, to make matters worse, sent the debt to XXXX XXXX XXXX, a debt collections agency in XXXX XXXX, MT which has been falsely reporting the debt as being unpaid and in " Collections '' to credit bureaus. Worse, they have been levying " fees '' and " interest '' on a debt which had been paid off years earlier. Both Defendant 's have been notified of their errors and have refused to correct their actions.
Product: Checking or savings account

Received an early morning email that an account was opened without my knowledge or consent. Called Chime and was able to close the account, but the entire process felt like a scam to get my full SSN. Was originally told this was required to close the account, when I pushed back they " settled '' for last four digits. Had already enabled a full credit freeze and fraud alert on all XXXX credit bureaus, so provided that to get them to close the account.
Product: Mortgage

The first thing happened was the XXXX changed the price of the mortgage from XXXX to XXXX The change was because of my land the land was already paid for. I retrieve some documents off line and it stated that the reason for the change was because I had a large lot oceanfront and rural area. I dont have an oceanfront. The other thing was the builder had me to quit claim my land to her and she sold my land back to me. The builder that built the house did not give me all my square footage when she built the house is small and not worth what she sold it to me for. The documents thats on line and the contract is not what I signed and they forged another one. I didnt get any of the paperwork that is on line at closing. I had to pay about XXXX cash and my land I feel like I was robbed because of the documents show the someone lied on the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry date : XX/XX/2020 Removal date : XX/XX/2020 Bank installment loan I went to citibank in person to request information about availabilities regarding a loan, but i did not request any loan or line of credit and i did not authorize for them to pull up my credit - they never told me they would do this especially in a middle of a pandemic. Again, i just asked information, i did not request ANY line of credit, i just simply wanted to know information. I want this inquiry to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to SELECT PORTFOLIO SVCIN XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

Under 25 U.S.C. 1666b this is a billing error, ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. - XXXX XXXX # XXXX - XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our XXXX XXXX. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to XXXX XXXX XXXXXXXX It is an Unfair act of practice. 
Pursuant to FDCPA XXXX payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose XXXX XXXX XXXX XXXX XXXX  We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year> i attempted to open a chase bank checking account with proceeds from a USDA treasury check in amount of {$75000.00}. Were told funds would not be available until XX/XX/year>. Chase account was closed on XX/XX/year> because u.s. treasury check could not be verified as legitimate. My check has been held up since XX/XX/year> and chase does not want to release back to me. Personal Bank & Agents name ( s ) are : XXXX XXXXXXXX XXXX XXXX XXXX Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX. On XX/XX/year> i've submitted this case to the XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Awaiting response from them as of XX/XX/scrub>XXXX
Product: Credit card or prepaid card

Unable to check my application online American Express put a error code under my name unable to get approved for a credit card with a credit score XXXX  for bogus reasons and they kept sending me denied letters and blocking my social security number from getting approved for XXXX XXXX American Express card and putting a hard inquiry for nothing.. I want it removed for false advertisement.
Product: Debt collection

they never took my calls I tried to get in touch with them several times but no luck.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I signed up to CareCredit for a zero interest credit promotion for my daughters XXXX, the amounts that were suppose to be paid were suppose to be in increments that would equal the total cost of the loan by the end of the promotion but they set the payment amounts wrong without my knowledge, Covid-19 pandemic hit us in XXXX hard so they did not let me know what was going on, I was charged almost {$500.00} in interest on a XXXX  interest loan. When I called to explain the situation, they refused to help me. So to summarize, the payment amounts were set incorrectly without my knowledge, the promotion expired without phone notification, the payments were suppose to satisfy the loan at the end of the promotion. The Pandemic hit all of us in XXXX when the promotion expired, which was when the loan was suppose to be paid off with the correct installments that were incorrectly set without my knowledge. I already satisfied the loan, I just requesting a refund of the interest charges by mistake on this XXXX  percent interest loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get credit for XXXX XXXX and they turned me down because there is a security Freeze on my account for my protection. They flat refuse to recheck my credit. Then Experian refused to provide a credit report based on the Date being today that XXXX rejected my credit application, XXXX/XXXX/XXXX as invalid date for requesting a credit report for an adverse action taken against me as I was notified instantly by XXXX that I was refused credit and need to pay full price for a cell phone, and Experian instantly refused to provide a report indicating why. Both XXXX and Experian credit reporting agency are at fault here.
Product: Student loan

Key Education Resources is by far XXXX of the most burdensome entites to work with. I have several student loans with them totaling about XXXX which my father co-signed on. They are insisting in locking me into a 5 year repayment plan, and will not allow me to extend the payments to anything longer which would help mitigate the cost of the loans. I fell behind on the repayment terms as it 's become impossible on my income to repay the loan on the terms they are insisting. I have tried to work with them several times and even though I have deferrment time left on my loans ( They give you 18 months ) they would not allow it. I asked for the loan to be placed in forberance as I had about 10 months of time left. They then changed the terms of the loan and sent me paperwork that clearly stated XXXX was for a LOSS MITIGATION and not a FORBERANCE. They have outright lied to me, changed the terms of their agreement, locked me into a repayment plan I can not afford, and I feell I ma left with no choice but to voice my concerns and grievences to you about Key Education Loans and Resources.
Product: Credit reporting or other personal consumer reports

A credit card account was reported on my credit which I have no knowledge of
Product: Debt collection

Amsher Collection Services has placed a frivolous debt on my credit reports that I do not owe them. I did not receive a Dunning Letter from this company before it was placed on my credit files. 

I have never heard of this company and have never done any type of business with this company. There is no contract with my wet ink signature that is binding me to this company in any way! 

Please see Attachment
Product: Credit reporting or other personal consumer reports

I was scammed I was told by this company they can help me clean up my credit report they said they just would like to look at my credit report it will not leave an inquiry
Product: Student loan

Hi, I hope all is well. 

I have one account with Navient that has reported my account as " current '' one month, then on month later, reports as " 90 days late '', before reporting as current again to all three major credit bureaus.This has happend on two separate occasions : - XXXX of XXXX - XXXX of XXXX When I log into my account, there are no links or data to shows me every being late. It is also hard for me to believe that I can be considered " Current '' on month, then 90 days late the next. Multiple letter requesting this information has been sent to Navient with no reply or update to my profile. When I call to get information about those specific months, I am told that it is not available, which makes it impossible for THEM to furnish this information to others. 

I have asked for a correction with through mail, email, calls to representatives who can not make changes even at the supervisory level which is the highest level you can get to in a call. 

Any help or clarity given would be really appreciated. 

All the best, XXXX
Product: Student loan

I currently owe {$54000.00}, my monthly payment is {$500.00} and I make about {$2300.00} per month. My rent is {$1600.00} in addition to other bills. I am unable to make this payment and need assistance as the lender, Discover Student Loans, is unwilling to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I gave my son XXXX XXXX XXXX permission to drive my XXXX XXXX XXXX and on this day he was involved in a car accident which totaled out my car. My problem with this is the report has my information tied the accident along with his but it show my license number along with my Social security number. I need for this to be corrected because its affecting my car insurance rating. I need help with this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not able to login on Experian website like I use to ; as if, Ive been blocked off it. 
For complaint number : XXXX
Product: Checking or savings account

My Citibank ATM savings account was created online on XX/XX/year> - while I was traveling in the XXXX. Once created, I transferred XXXX from my XXXX account to my newly created Citibank account. Once the funds cleared and were posted to my new Citibank account, I initiated a wire transfer in the amount of XXXX. This transaction was successful. I took a screen shot of the successful completion on XX/XX/year>. My balance confirmed the XXXX. When I checked my account, either the next day of the day after, my balance was back to its original amount and my account was blocked. Citibank XXXX department had flagged my transaction. I contacted them and the informed my that they had sent a letter to my home, in the XXXX. I needed to provide a reference number to remove the block. I had to wait until I returned to the XXXX to check my mail. Having not received any correspondence, I called them and they were able to unblock my account after verifying my identity through a series of questions. I tried to do a wire transfer of XXXX back to my XXXX account and was blocked again. I was informed that a reference number would the sent via mail, again, to my home. That was XX/XX/XXXX. It is now XX/XX/XXXX. I have not received any mail, neither the first or second letter. Escalation attempts fail.
Product: Debt collection

This is the 4th time I have tried to have the CFPB intervene on this 20 year old debt ( although I have never had an account with the bank mentioned in their letters ).

They operate under multiple names but conti

nue to pass it from one to another but it's clearly the same debt.

I have asked them to STOP CONTACTING ME FOR ANY REASON so they simply contact me under a different collection agency name.

I've attached 2 letters, sent under 2 separate collection agency names, the first dated XX/XX/2023, the XXXX XX/XX/2023, for a debt that is now 20 years old! The federal statue of limitations prevents any attempt to collect a debt anywhere near this old. 

In the event ANY of their agencies contacts me again, I have 4 other people who will join with me in a class action lawsuit to seek both a seek and desist order and any punitive damages the court will award.
Product: Payday loan, title loan, or personal loan

They charging illegal interest rates and harassing when trying to stop ACH debt. Borrowed XXXX to date have paid XXXX none of it as went to the principal they say they want another XXXX to close my account. Oklahoma law only allows you to have two payday loan with fixed interest. Which I already have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted capital one in regards to an account being opened fraudulent in my name. I requested it to be removed from my credit report and it have not.
Product: Mortgage

My name is XXXX XXXX, and I am having difficulty with my mortgage company called SPS Financing. In the past, when I applied for a deferment, sending all documents numerous of times to SPS, the company would calim that they never received documents that I sent. Until I got XXXX and CFPB got involved then SPS finally complied. I finally received the deferment and paid a fee to have my payment date moved to the XXXX of every month instead of XXXX XXXX due to I am XXXX XXXXXXXX. This company has been a nightmare from the beginningand has always had exercise predatory practice. SPS has done XXXX Annual Analysis within 15 days apart and has increased {$160.00}. Just today I received that the loan is being transferred to XXXX XXXX. 
I would like this mortgage company to be investigated due to increase of payments due to an increase payments.Attached is the documents. 

Please Address Accordingly, XXXX XXXX XXXX
Product: Mortgage

I received a phone call on my work cell phone number which I have previously written, and Ditech acknowledge not to write or call on my phone number because of the nature of my business. Phones during the day can be a interruption especially due to the nature of my job and I had told them not to contact on this number. BUT today Ditech started their harassment ways again. I was contacted by a XXXX who works for XXXX who stated that he wants to speak to me and I asked him who he was and he said he was from Ditech. I told him that I have a cease and desist on my account and I provided other methods to contact me. I receive all their notices and they must send me at least 3 certified letters telling me how much I owe as well as threats to foreclose. I dont know why they need to call me on my cell phone, to tell me what I owe. I ask to speak to a Supervisor and an XXXX came on the phone. She then tried to tell me that since I applied for a modification that the cease and desist order did not apply since 2017. I told her I just asked for the modification not relinquishing my rights for communication. If a modification will be given then they can send my a letter, which I always get and I will get back to Ditech reps. This company is also calling my ex-wife harrassing her and telling her about my mortgage account, which is totally illegal. She is also considering bringing legal action for harrassment. From what I was told from my attorney, she on the property but not on the account and have no business knowing any information about my debt. That's illegal. She is not on the note.
Product: Checking or savings account

And I also want to express myself I was always charged a lot of time sometimes the bank will catch it but I've been with you all since XXXX  and one time I was visiting Texas I had a pretty good amount of money I had a savings and checking at the time I was treated very badly inside the bank due to this lady saying that I was it wasn't my signature I can't write very well I was I was sitting in the lobby for a long time the lady would not let me get any money out it was in XXXX Texas and you can go look it up but like I said I've been with y'all a long time they have over me a lot of times they used to send me checks when they would do bad stuff but I don't know what's going on I don't know if I was into some fraud I ain't know nothing about I don't know but I just need somebody to look into that I was overcharged me for years I '