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

On XX/XX/XXXX my card was declined for {$7300.00}. I didn't know at the time that the limit per day I could make was {$5000.00}. I called customer service and the fraud team to confirm & verify it was me and that I was purchasing a car from XXXX XXXX XXXX. That same day I tried lesser amounts for {$5000.00} & {$4000.00}. Both transactions got declined so I called customer service again and was told to to wait 24 hours to try these transactions again. I waited until 2 days later on XX/XX/XXXX to try again. I still got declined for {$5000.00} or {$4000.00} at XXXX XXXX XXXX. I talked with customer service and the fraud team again and said that the card should be working fine. I tried the same thing on XX/XX/XXXX and kept being declined again at XXXX XXXX XXXX. I was extremely frustrated bc this money was deposited into my account from my car insurance XXXX for my totaled car. I'm a single mom and need to buy a car for my independence to drive to work. I've been wasting my child support money that I've never touched before. I was saving it solely to give to my son when he's XXXX. But I've been depleting that money bc I have no choice. But I'm still car less & having to rely on a friend to take me to work or pay for XXXX. On XX/XX/XXXX is when I got paid out by my car insurance XXXX in the amount of {$6400.00} to purchase a car. The only reason I opened this Credit Karma account was because XXXX stated I'd get my tax refund quicker if I did. And on XX/XX/XXXX my refund was deposited into this account information the amount of {$3800.00}. I never had problems until the larger amount was deposited from my car insurance company.
Product: Credit reporting or other personal consumer reports

The reporting company Experian refuses to remove debt that was brought from by debt buyers and other collection agency that isn't mine or could be mine. without proper identification of the account showing my information and signature then the debt is fraudulent and therefore should be removed from my report. I have disputed these debts, and they only allow them to update them and continue. They are hindering my ability to live and apply for proper credit. I demand that these reports be removed right now. I am also attaching a cease and desist for Experian and the following debt collection/buyers to stop calling and harassing me by phone and mail. 
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

I CONTINUED TO RECEIVED REPEATEDLY PHONE CALLS ALL THROUGH THE ENTIRE DAY AND THE CALLS WERE FROM DIFFRENT PHONE NUMBERS LISTED BELOW. 

US BANK XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX there is more dates and times repeatedly us BANK called me
Product: Credit reporting

I called to check my final dispute on some items that did not belong to me and spoke with a, rep at Equifax she told me that the conser affairs dept had my information and it was locked they could not access it so ask why she transferred me, this department was rude, hung up on me and told me they would not have discussions about my credit report and that every thing I disputed was added back to my credit report, I filed a, police report and sent to Equifax to go with my disputes every thing was taken off but re added I try to explain to the consumer affairs dept but they treated me like a, criminal I told them that I had identity theft problems and they needed to take these items back off they said there not going to do it I ask why am I being sent to this department they actually told me because I was disputing so many times on information that did n't belong to me they said I had to deal with them, I have been treated with disrespect, rude, hung up on very unprofessional attitude, they would not take these items I already disputed back off XXXX bankruptcies that did n't belong to me I even have addresses showing up that i never lived at and other accounts I never had, this department is bad on customer service and would not help when I told them I filed a police report they did n't care I even sent Equifax a copy I called a, liar no supervisor has called me back on this I want this resolved and my information. Taking fro this department all because I 'm disputing wrong information on credit report I 'm treated badly I want help and I want to deal with the, regular customer service about my credit report not consumer affairs dept, I want a resolution to this I will be filling with other agencies, I ca n't believe I got treated badly because I was just disputing my credit report because I experienced identify theft this, department needs to be talked to I Wil attached documentation showing they re added these items back after I disputed them off and I have the documentation and still called a liar by that department thus, document will show that my disputes were added back after being taking off by me after 30 days please resolve.
Product: Credit card or prepaid card

I applied for the XXXX credit card with Barclays. I have an amazing relationship with Barclays - have never been late, have never gone over my limit, etc. Further, I have amazing credit. By Barclays own FICO tool, I have a credit score of XXXX. That said, Barclays refused to issue me the card because they said I had opened other credit cards, or even dared to apply, with other banks. Yes, because I had sought credit with other banks. The agent I spoke with told me that they need to see " time away from seeking credit '' with those other banks. Barclays absolutely should not be allowed to deny credit cards as retaliation for using other banks for your credit needs. Our credit system shouldn't be as such that a bank can monopolize all your credit and retaliate against you if you do not agree to stay only with them. They should only be looking at risk and with a XXXX credit score there is clearly no risk. It saddens me that Barclays has done this because it means that millions of Americans who are not loyal to Barclays are going to be locked out of credit. I even offered to move credit from one card I have with them to another. This would create 0.0 % increased risk because they are not issuing any new credit, only moving what they have already agreed to extend me. It is clear retaliation and it must stop.
Product: Debt collection

To Whom It May Concern,This is in response to CFPB: XXXX requesting for a police report and stating that my affidavit is not sufficient enough. Also, I still have not received any information I have previously requested for validation purposes.Your company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportinStating that you have  reason  to determine that you have made a misrepresentation of material fact relevant to the request to block; c) Transunion has reason to determine that you obtained possession of goods Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed [or request another specific change] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in questionPlease send me all document regarding such record, court documents] supporting my position.] Please reinvestigate [this/these matter(s)] and [delete or correct] the disputed item(s) as soon as possible Thank you.XXXX, XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX : {$0.00}
Product: Payday loan, title loan, or personal loan

Having trouble with TitleMax and XXXX Missouri and can't pay off the loan and they won't help in any way
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX sent my account to XXXX XXXX XXXX. still reporting to ChexSystems and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to ChexSystems. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Product: Debt collection

I have written in prior to complain about RPM that is listed on my credit and the original creditor is Direct TV that is shown in the amount of {$570.00}. I am writing this letter to inform the individual ( s ) again that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Debt collection

This company sent a bogus statement for verification of a debt I did not owed and even though it is disputed during the investigation. They continued to report it to credit reporting agencies. Please sent an attachment of that statement to consumer finance bureau on my request. The statement does not have my name, SSN nor any identifiable information but for some reason you linked it to my credit report. This is fraud and violation of FCRA laws. 
Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service that render service. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting or other personal consumer reports

Over 11 hard inquiries on my credit report that I did not make : 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 I have made a full report on identity theft. Gov
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX, has violated my rights. 
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.

This is a fraudulent account ; I did not open any account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my annual credit report online from Experian. I was able to look at it on Wed. XXXX XXXX, 2018. I tried to view it again later on Wed. XX/XX/XXXX and again on Thursday, XXXX XXXX. I was unable to find a way to put in my report number to view it again. Eventually through their help I was able to find a link to view the report but the link would not work and gave me a message that said : we are updating our server and this information is not available. I have tried this for 2 days. They also gave a phone number to call : XXXX XXXX but when I call I can not reach anyone to speak with and the prompts do not answer my question. 

I tried the phone number given to me by your consumer finance rep : XXXX XXXX and had the same issue. 

Experian must have a phone number for customer questions but apparently they don't want to answer any. 

I also tried 2 other numbers I found on the internet - they did not work either. 

The only way I can see to receive my report is to become a member and that costs XXXX a month-something I do not want to do. 

Even an email address would be helpful. 

I believe Experian needs to be made to provide some live contact for its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It is way past the 30 day mark and if they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible. Greatly appreciated. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

according to this account XXXX account # XXXX. There seems to be serval inaccuracies on this account between the three credit bureaus reporting. The credit bureaus stated my account was accurate but how could that be possible if the data last active is inaccurate, date last reported ins not accurate, and the length of the alleged delinquency is in accurate. This is grounds for removal. According to 15U.S.code 1681i- procedure in case of dispute accuracy. Also The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to highlight that a consumer reporting agency that does not implement reasonable internal controls to prevent the inclusion of facially false data, including logically inconsistent information, in consumer reports it prepares is not using reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

On XXXX I asked the credit bureaus ( XXXX, XXXX XXXX and  XXXX XXXX to verify the XXXX account XXXX The account came back as updated. After getting a response from the bureaus I sent a letter to XXXX on XXXX asking them to provide me documents validating this account belongs to me. They responded on XXXX stating they are unable to determine the nature of my dispute and requested I send in additional information. Then on XXXX XXXX they sent me a letter stating they do not honor requests to remove reported delinquencies when the information is accurate. On XXXX I sent another letter stating they failed to provide me with the requested documents validating this XXXX  account belongs to me. I then received a letter stating the account has been sold to another company. On XXXX I sent another letter explaining to them that I am requesting the original documents along with other documents they have because I never opened a XXXXXXXX account nor have I heard of this company. I explained to them that I don't have a credit card with their company therefore this company is reporting inaccurately along with the company in which they sold the account to which is LVNV Funding LLC/LVNV Funding. 

LVNV was deleted from XXXX however the account is currently showing on XXXX and XXXX.
Product: Credit card or prepaid card

This is not a complaint, per se, but I had 2 credit cards disapprove and need to remedy the situation to prevent future issues. I receive in the mail each week 15-20 credit card opportunities where if you spend X amount of dollars in Y amount of time you receive a bonus. 
In XX/XX/XXXX I applied for a XXXX XXXX credit card-it was approved. In XX/XX/XXXX I applied for a Capital One card, which gave me my own " Pre-Qualified Number. '' just like all the others, but it was denied. This has never happened before. My credit rating fell from XXXX to XXXX. I called Capital One and requested information on what happened. Unbeknownst to me this agent had me applying FOR ANOTHER CARD??? It was also disapproved. The agent said a letter why it was denied would come in the mail. It came, filled with vagueness. 
I am a chemist and quantitative analysis is 100 times easier to understand than all this credit stuff. I give more money on an annual basis to XXXX XXXX XXXX College annually except their XXXX. XXXX XXXX XXXX XXXX XXXX Scholarship. In short ; I am trustworthy, I believe you have access to my credit report, including the disapprovals. I would appreciate your help. Thank you.
Product: Debt collection

I request the removal of this account from my credit report as it has been over 7 years. The date on my credit report is inaccurate, and it states XXXX as the year. The charges were a result of the natural disaster Harvey, which affected me and forced me out of my home during the period when the charges were made. ( {$750.00} Despite my attempts to explain the situation to the company in XXXX, they continued to charge me without understanding. I can provide documents as proof that I was affected by Harvey at the time. The account is set to be removed from my credit report next year XXXX, however, it should be XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Around XX/XX/XXXX I received a text message from lender stating I was eligible for a payoff settlement of {$560.00}. I immediately called lender to take advantage of this offer as I am falling on hard times financially and had trouble paying the {$1400.00} I initially owed which included late fees also. Once I called the agent & I made a agreement via phone that I accepted the offer and would have to pay 4 payments of {$140.00} every week for a total of 4 weeks in a 1 month span in order to pay off settlement of {$560.00}. I asked the agent could I also receive a email or letter for proof of that agreement she stated yes I would be sent both. I was so excited to pay this off and put this behind me. My first payment was supposed to be XX/XX/2023 Friday but on that date I went to the app to pay and noticed that there was so record of this on the app and also the balance was still {$1400.00}. I called the agent back to see why and she responded dont worry about that they have our agreement on file and it would shortly reflect in the app as well as the letter and email. I was a bit concerned with that and decided to Waite to see if I received any information of this agreement or If the app would reflect the new balance of {$560.00}. After not receiving anything and fearing that I would loose the agreement I called back on the XXXX of XXXX and made what was supposed to be my first payment of 4. After making the payment I still received no written proof of this agreement and the app also did not reflect it. I called today XXXX XXXX to make whats supposed to be my second payment out of 4 and spoke to 2 reps who had no knowledge of this agreement and also didnt see any notes of this agreement and encouraged me to pay the balance of {$1400.00}. After I explained to them the offer that I agreed to they transferred me to a rep that assured me the agreement was solid and that I needed to pay my second payment of {$140.00}. He stated they sent me a email XX/XX/XXXX as well as a letter in the mail and I confirmed with him that I did not receive anything that gave me proof of this agreement. He stated they are not able to send me a email or letter of this agreement and that I would just have to trust their word and that the calls are recorded and that I can use that as my proof. I feel this company has lied to me and manipulated me and forced me to make a payment. Please help me
Product: Checking or savings account

I am submitting this complaint to formally dispute the unjustified closure of my checking account with [ Wells Fargo ]. On XX/XX/year>, I was notified that my account will be closed without a clear explanation. Despite multiple attempts to seek clarification, I have not received a satisfactory response from the bank. The company just explained a business relationship. I just received money ( {$100.00} ) from my friend. I don't think closing my account is reasonable.