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

I have a XXXX XXXX XXXX Credit Card through XXXX XXXX with a limit of {$200.00}. I haven't been able to make a purchase or payment for over two months because I don't have a checking account. I have received 3 Late Payment charges, for the simple fact that I don't have a bank account. When I receive statements, the only payment allowed through the mail is a check. When I attempt to call in a payment by phone, I'm only allowed to use a check. When I was late with my payment the first time, a male XXXX XXXX representative called me. I told him I didn't have a checking account. He said that since my payment was late, I could make that monthly payment plus a Late Payment Fee with an alternative method. I made that payment with my Mastercard Debit Card. I was never informed that I could make my payment every month with my Mastercard before my payment was due. I opened a checking account just to make my monthly payments to XXXX XXXX XXXX. Upon several attempts to transfer cash from my Mastercard Debit Card to that checking account, I was unable to successfully transfer funds. Then, I decided to close that checking account. I haven't attempted to open another checking account yet. I also loaded my XXXX XXXX XXXX, ( In which I have my own personal routing number ) to make a XXXX XXXX XXXX Credit Card payment that month. That payment was declined by XXXX XXXX. I missed my XXXX payment, not knowing the XXXX payment to XXXX XXXX XXXX XXXX was declined. I missed a payment XXXX, since I didn't open a bank account and I really don't want to open a bank account at this time. I received a call a couple weeks ago from XXXX XXXX male employee. He wanted a {$52.00} payment and said I could use my Mastercard. I told him about my checking account problem, the rejected XXXX payment, and how I can only use my Mastercard when my payment 's late. He told me I could use my Mastercard for my monthly XXXX XXXX XXXX Credit Card payment before the due date and that I only needed to talk to a live person to make a payment with that. I didn't know anything about that until 3 Late Payments accrued to that account. The lack of information has harmed my credit. The man I spoke to seemed to be amused and didn't offer me any credits to my account, so I didn't make any payments. Last week, I called to make a monthly payment and I described the previous incidents. I was told by a XXXX XXXX female employee that she would waive one Late Payment Charge, but first I had to pay the Late Payment Charges and my monthly payments. I didn't approve of that and didn't pay the Late Payment Charges or my monthly payments. I think the bank is deceptive for not informing me of having the option of paying by phone to a live agent until 3 Late Payment Charges later.
Product: Checking or savings account

On XXXX Bank of America ( hereinafter referred to as " bofa '' ) froze my account due to a broken fraud alert system or filter. By freezing my account bofa denied access to my social security and federal annuity pension. The SS member is being looked at by the XXXX of SS and the federal annuity by the XXXX for Special Investigations OPM. Bofa wanton disregard for federal statue and case law has cost me XXXX in legal fees and XXXX in late fees for missing my rent. Bofa has refused to reimburse me for this illegal act and violation of A CFPB/BofA Consent Order
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2500.00}
Product: Debt collection

I am writing to dispute fraudulent activity on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts or inquiries that I didn't initiate. I've disputed the account EXTRA from XX/XX/year> all the way to XX/XX/year>. It still shows up on my credit report even though it is closed.
Product: Credit card or prepaid card

I had a credit card with WF up until it was suddenly Closed. In XXXX. I have no late payments, no outstanding payments and did not go over any limits during my time of having a credit card with WF. I spent over four hour being transferred on the phone from online banking, the credit card department, the claims department to line of credit department. I have good to great credit from every agency, but can not get a credit card, because of something WF did. I can not find any delinquencies and wrongdoing on my end. Every time I call the credit card, WF departments, they tell me, " we will send you a explanation in the mail ''. I have requested explanation verbal, written and electronic for almost five years now, with no explanation. I have been making payments with the same amounts due for four years. I currently own {$5600.00} and have been making on time payments since the closure. That amount is not even close to the amount I had as my limit, so therefore my card should have never been closed. The limit was {$15000.00}. 
One month the interest rate is {$54.00}, then {$59.00}, then {$57.00}. I am being charged nearly half percentage every month of what is owed. 

The actions I have taken are contacting WF initially for four hours trying to get something resolved. I have spoken with every department they transferred me to, via phone. I have gone into the banks for explanations with no answers, but that I can not either open my account or even a new one without explanation. I have reviewed my credit card scores from multiple agencies in which there are no red flags. I've spoke with WF " claims and disputes '' and they have stated that it was closed due to " red flags ''. Years later I have attempted to open up another credit card and they stated I could not and to contact WF on the reasoning why.
Product: Credit reporting or other personal consumer reports

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  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Urgent Dispute Due to Identity Theft and Incorrect Account Information Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report due to a case of identity theft and incorrect account information. My name is XXXX XXXX, and I have discovered that there is a XXXX XXXX  account on my credit report under the name XXXX XXXX. This account does not belong to me and appears to belong to a person with a similar name. 

This discrepancy constitutes identity theft, as the account has been erroneously attributed to me, impacting my credit score and financial reputation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., I am disputing this account and requesting its immediate removal from my credit report. 

Enclosed with this letter, you will find : A copy of my identity theft report filed with the local police department. 
A copy of my personal identification documents for verification. 
Documentation showing the incorrect account information under the name XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I called the branch on XX/XX/XXXX, where I received my loan from and inquired about the interest rate that I'm being charged. I explained that I'm paying almost double my principal amount in interest. The gentleman that I spoke with said that there is nothing that he could do about it. My loan for {$11000.00} that I received in XXXX of XXXX, was a refinance on a loan of {$7500.00} that I had already been paying on plus an additional {$4000.00} that I was receiving at that time. He said that I agreed to a 5  year loan and that my pay off was {$10000.00} plus dollars. I said to him that this was predatory considering that I pay {$350.00} a month and out of almost {$4000.00} dollars worth of payments that had been made less than a {$1000.00} went towards the principal amount. He explained that when I finish the payment in 5 years I will have paid over {$21000.00} dollars for an {$11000.00} loan. That in itself is criminal.
Product: Credit card or prepaid card

Bank of America has frozen my visa credit card and they insist that I must drive 40 miles RT to a financial center to unfreeze my account. I am XXXX XXXX XXXX and I do not wish to drive that far in traffic to clear up a problem. 
I have online banking with BOA. BOA has partnered with XXXX and they have installed this program without my permission. Someone attempted to transfer money out of my checking account, using XXXX. But I understand the transfer did not take place. I have never used XXXX and I don't intend on ever using that service. I have no idea how the fraudster got into my bank account but I suspect my cell phone provided the path. In any case putting a freeze on my visa card is not going to cure anything, and BOA partnered with XXXX is a huge problem. BOA actually invites fraud using XXXX. It seems BOA is forcing me to change banks to one that is local because of the fraud that they have invited. Long story short, I am not driving the distance to clear this up. Our town lost our BOA center and now all I have left is an ATM in the parking lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Servicing XXXX, SC XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to have a Late payment that was reported to the credit bureau removed from the credit bureau reporting. The late payment was removed by the representative and I was told that it probably would not be reported to the credit bureau after explaining what had happened. 

However, I am addressing an issue with Shellpoint Mortgage from XX/XX/XXXX of XXXX. Whereas, I called, they called, in to make a payment and come off of the deferred payment status that I was under at the time. The representative informed me not to make a payment because it was coming to the end of allowable deferment and that it could potentially interfere with the repayments being placed at the end of the loan ( to be repaid at the end of the loan ). Of course, I believed this and didnt want to have to pay everything that was deferred back all at once. Then I also attempted to make an Escrow payment and was told the same thing. Upon agreeing not to make any payments I was informed that I shouldnt need to make a payment until XX/XX/XXXX, because processing would take a while to review and complete ( usually within/up to 30 days and that I should receive a letter as well ). 
Now, when I went to make my XXXX payment I was told that I needed to make 2 payments to catch up the loan. I was informed that there had been a missed payment in XXXX and that a letter was sent out to make an XXXX payment. I informed the representative that I didnt get or see a letter and that I had attempted to make a payment that would have covered XXXX but was told not to do that so it wouldnt interfere with the process of placing the deferred payments at the end of the loan. 
I asked that the phone conversation and or transcript be reviewed and they gave me a number to call to get a copy of the conversation/call pulled. Later I was told that they would not give that to me and it would be reviewed internally and a letter sent out. After that I received a letter saying that I was sent a letter out in XXXX telling me to make the XXXX payment, that my status was reviewed and approved the next day. 
I am asking that this late payment status be removed from the credit bureaus reporting status as there is conflicting information being given out. I believe that weve had 1 late payment with Shellpoint several years back prior to this and no more than 2 over the life of this 17 year loan for this property. Especially, since I clearly stated that I was trying to make a payment and was advised against it. I always call in to make my payments. I am asking that the CFPB review the call or transcripts.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a hard inquiry was added to my credit report from an advertisement that I clicked on while using social media and I was in no way trying to get financing for any of their products so there should have been no reason for them to look at my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT SCORE : ON XX/XX/XXXX XXXX, ON XX/XX/XXXX XXXX, -2.

ON XX/XX/XXXX XXXX, - 22 ON XX/XX/XXXX XXXX, -7 ON XX/XX/XXXX XXXX -31 IT APPEAR TO ME THAT THEY HAVE LOST TRACK OF THE BUSINESS, WHEN ON XXXX THEY TOOK 22 POINTS OFF ME I CLOSED XXXX XXXX CHECKING ACCOUNT THAT I HAD SMALL BALANCE AND I WAS NOT USING IT, AND I CLOSED TWO OTHER CREDIT CARD WITH XXXX BALANCE TO IMPROVE MY CREDIT SCORE BUT TO MY SURPRISE IT HAS RESULTED TO LOSS OF ADDITIONAL 31+7=38 POINTS, I HAVE OVER 30 YEARS OF CREDIT HISTORY AND HAVE ALWAYS KEPT MY CREDIT CRISTAL CLEAR NOW ALL OF A SUDDEN THEY ARE RUINING MY CREDIT SCORE I GUESS JUST BECAUSE I JUST TURNED XXXX OFFICIALLY MAKES IT ELDERLY ABUSE, PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. I am filing this FTC to report 5 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identify theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX on XXXX XXXX sold by XXXX XXXX XXXX under the account number ( private ), an personal bank loan account opened at XXXX XXXX on XXXX XXXX sold by XXXX XXXX XXXX under the account number ( private ), a personal credit loan account opened at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XXXX XXXX under the account number ( private ). a personal bank loan account opened at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX under the account number ( private ) and a personal loan account opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the debt collections in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

IN XXXX I sent a letter requesting verification of a debt/collection account reported on my credit report. 

The company responded that the original creditor could not provide the written document I requested and the item would be removed from my credit report. 

I then received a photocopy of a " final bill '' from the debt collection agency showing an incorrect address where service was provided and none of the information I 'd originally requested from the debtor which was a signed original service contract and a payment history. 

Again, I am requesting this account be removed from all XXXX of my credit reports as the information they have attempted to provide is not the items I originally requested and the photocopies they provided are from an address I 've never lived at.
Product: Credit reporting or other personal consumer reports

Fraudulent access to my consumer credit report after misleading practices which have been reported to the Federal Trade Commission today, XXXX. I did not give XXXX XXXX XXXX permission to run my credit for a vehicle collateral loan. I do not have a vehicle to put up for collateral, so I would not be applying for a loan that requires it. The prequalification assured that no hard inquiry or credit pull would show up on my credit. The hard inquiry is on my credit and the XXXX XXXX XXXX XXXX XXXX Department refuses to remove it. I called XXXX and spoke to XXXX today at XXXX XXXX  and I also submitted another complaint ( after sending XXXX via email and speaking to XXXX representatives that promised the inquiry would be removed from all credit reporting bureau reports ) via the Executive Department of Customer Care , XXXX XXXX XXXX  at XXXX. No resolution. I was not notified of investigation status or results. Difficulty submitting a dispute or getting info about a dispute over the phone -- customer service just keeps giving different phone numbers and playing phone tag with the customer, promising to remove and not remove. I asked for the written authorization as well as the decision today.
Product: Student loan

I had Navient/XXXX XXXX as my loan servicer from XX/XX/XXXX-XX/XX/XXXX. During that time, here 's what happened : -My interest rates on my loans were an average 10.46 % -My MINIMUM payment was around {$940.00} per month for 30 months -In XX/XX/XXXX, I called to ask about an Income based repayment plan, and they told me I was not eligible. At the time I was making {$12.00} an hour, living at home with no rent, no car, and STILL could barely make the payments. I still did every single month on time. 
-I requested to have my cosigner released in XX/XX/XXXX, which they denied -I requested a reconsideration of that denial, and they denied it again -I requested AGAIN in XX/XX/XXXX to have my cosigner released, which they denied -I AGAIN requested a reconsideration of that denial, and they denied it again -I tried again in XX/XX/XXXX to have my cosigner released, and they denied it again -I tired for a reconsideration of that denial, and once again it was denied My loans in total with Navient came out to {$67000.00} In the 30 months that Navient was my loan provider, I paid over {$28000.00} In XX/XX/XXXX, I had my loans reconsolidated with XXXX which cut my interest rate and minimum payment in half My loan balance as of XX/XX/XXXX with Navient was {$66000.00} After paying Navient over {$28000.00}, the principal of my loan decreased by {$710.00}. 

When I look at these numbers, the pain I feel is indescribable. Navient robbed me. Navient made me regret getting an education, a privilege that so few people are able to have. My student loans were, and still are, a constant source of struggle every single day. I think about my loans every single day, multiple times a day. This has limited so many aspects of my life, including racking up credit card debit, not taking jobs in my field ( I can't take that job, it pays too low starting out. How will I pay my loans? ), not being able to save money, etc. 

Where did the $ 28,000+ I give Navient go?? What they are doing to our youth is despicable. The interest rates for their loans are disgusting. Navient needs to be stopped.
Product: Credit reporting or other personal consumer reports

I want XXXX, Experian and XXXX to answer my letter. I've been sending them letters since XXXX and I haven't received any response from them. I was also wondering why these inaccurate accounts that have long been disputed are still being reported on my files? I urge you to have my credit report corrected immediately and remove these accounts from my credit history. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # : XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) - Account # : XXXX XXXX. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX
Product: Debt collection

vI am writing to express my extreme dissatisfaction and outrage upon discovering a fraudulent account listed on my credit report. It has come to my attention that an account that I have no association with has been inaccurately added to my credit history, tarnishing my financial reputation and causing me undue stress and inconvenience. XXXX. XXXX XXXX XXXX and Bankruptcy XXXX  XXXX XXXX
Product: Checking or savings account

Info about my account balance, direct deposit, etc are not being sent out quickly enough
Product: Vehicle loan or lease

The problem is with credit acceptance corp They they were charging me {$8000.00} over the price of the car. Plus interest on the payments The dealership did not openly disclose this info at time of signing.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at XXXX XXXX Pacific Time I authorized a wire transfer of {$25000.00} to my XXXX XXXX XXXX  account in XXXX where I was combining funds to purchase an apartment. 
WIRE CONFIRMATION # XXXX Wells Fargo accepted my wire instructions but flagged it is " fraud '' and failed to send the money. This, supposedly, based on a notation next to my account that the bank needs to verify all my wires. The bank failed to verify the wire and just allowed the matter to sit. 

I finally called the bank on XX/XX/XXXX ( my time ) and after hours of trying got to customer service I was connected to the " Fraud Detection '' department which said the wire had a hold and that bank sent me messages to 2 of my phone numbers on record .... I received no texts or messages from the bank and my phone records can prove it. Had I not spent hours trying to reach the bank the money would just sit in the account. Money is still not wired as I write this. 

When I finally did reach the bank and confirmed my identity and the fact that money was going to me, the Bank demanded to know what the money was intended for and treated me as if it was the bank 's money which I was managing and not my own. Wire is still on hold. 

In the delay I lost an opportunity to purchase an apartment at a lower price. I want the bank to pay punitive damages to the government entity which supervises it and to me.