23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUEST WELLFARGO BANK REMOVE XXXX OLD ACCOUNT WITH THEM, THESE ACCOUNT ARE CLOSED HAS BEEN WRITTTEN OFF EVERY OTHER WEEK THE COMPANY INSIST DOING A MAINTANCE SERVICE TO REVEIW MY CREDIT SCORE FROM MY CREDIT REPORT AND THEY DELIBERATELY DISCREDIT MY CREDENTIALS IF THEIRS ANY POSITIVE CHANGES TO MY PERSONAL REVIEW WITH OTHER CREDITORS.HOWEVER- I APPLY FOR A LINE OF CREDIT WELLSFARGO BANK PRODUCE A NEGATIVE INQUIRE TWO ALL CREDIT BUREAU WHICH IS PASS STATUE LIMITATION XXXX OR XXXX YEAR MARKER. NOTE : EACH TIME MY CREDIT SCORE IMPROVE BY A MARGIN OR PAYING OFF A DEBT -WELLSFARGO DOES A MAINTANCE INQUIER TO DISCREDIT MY DATA ETC. PLEASE NOTE I WA S XXXX TWICE TWO SEPARTE YEARS AND ITS IS WELL DOCUMENTED AND OUT OF WORK WELLFARGO DIDNT DESIRE TO COMPROMISE SMALL PAYMENTS AT ALL AND I REPORTED THIS INFORMATION TO THEM AND TRIED TO MANAGE REASONABLE PAYMENTS AND I WAS DENIED.THAT SAID .... THIS IS NOT RIGHT FOR THEM TO HARRASS MY CREDT SCORE AND BELITTLE MY PERSONAL DATA BY CONTIUE TO EXPOSE A CLOSE ACCOUNT JUST TO SIMULTANEOUSLY PUNISH OR REMIND ME OF A PASS HISTORY OF SLOW-PAYMENT DUE TO MY ILLNESS ETC.PLEASE HELP. TODAY DATE XXXX XXXX ; XXXX XXXX CST. PLEASE EXCUSE THE GRAMMAR. CONTACT MY VIA XXXX XXXX OR XXXX
Product: Consumer Loan

I applied for XXXX and was discouraged by staff that I could not be able to get a chance for a car.
Product: Debt collection

This complaint is against XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NY XXXX. I am a victim of identity theft, and have had an extended fraud alert placed on all three credit reporting agencies since XXXX2016. XXXX allowed someone to illegally use my personal financial information to open an account in XXXX, New York. If XXXX had done their due diligence when opening this account, they would have been notified of the extended fraud alerts in place, and stopped this identity theft from occurring. I am a resident of Texas, and the attempt to get service from XXXX in New York should have been easily detectable as fraud. 
In addition to having a sub-standard credit approval process in place when creating the fraudulent account, XXXX had the Collection Bureau of Hudson Valley place a collection on my credit file. This has cost me hours of time to correct, and I believe XXXX should be required to compensate me for all lost time during this process and for any damage done to my credit rating as the result of their poor business practices.
Product: Credit card or prepaid card

On XX/XX/21 I used my credit card for XXXX with no transaction fee. 

On XX/XX/21, XX/XX/21, and XX/XX/21, I was charged 5 transactions fees for XXXX. I noticed after XX/XX/21 when I checked my credit card to pay it and was surprised to see {$50.00} in fees. I was never warned or explained how I could get a cash advance fee for this. With my purchase in XXXX without a fee, why would there be now? I thought I was using my credit card as a normal credit card as I always have, and have never used it as a cash advance. I never received any physical money either. I never paid late. This is unfair and hidden fees I would have never agreed with or used.
Product: Debt collection

I got called from the same number 14 times in a 30 minutes period on XX/XX/2017. I got called 14 times total on XX/XX/2017 and 6 times on and 7 times on XX/XX/2017. This shows that the calls have gotten progressively aggressive over the last 4 days. I informed the lady on the phone that I was filing a complaint with the cfpb and she threatened to note my file that I am unwilling to pay my debt. I informed her I have no money to pay my debt and as soon as I get my income tax return I will pay my debt back up like I do every year. She asked if I had any money to pay and I told her I have zero money for this debt. Then I told her I needed information from her so I can file my complaint and she said your file has been noted have a good day and hung up. Talked to XXXX XXXX XXXX XXXX the supervisor I informed her my fist contact did not give me her name and employee number ( XXXX ). XXXX provided the employee 's id number. When Informed XXXX of my intentions to file a complaint she informed me the call center is automated. I told XXXX I have received 14 calls in 30 minutes and XXXX told me they are allowed to call up to 8 times a day. That 14 calls must be an issue with the automatic calling system. I asked why the calls have gotten progressively aggressive and she said she did n't know. She asked me when I was supposed to get my income tax so I could catch it up like a douche every year and I told her it was suppose to be deposited in my account yesterday XX/XX/2017. I informed her I will pay it up in full when I get my return back like I always do. After finding out that this is the last day of the month XXXX offered suggestions of why I got called so many times in a short period of time. XXXX suggestion was they only work until XXXX on the last day of the month and the other was that my account will be transfered to a new department and will have a personal account manager starting tomorrow. I thanked XXXX for the information. I was not aware they could call up to 8 times a day and if I was receiving more than 8 calls then many more XXXX probably receiving more than 8 also.
Product: Payday loan, title loan, or personal loan

Lightstream offers a .05 % interest reduction if you sign up for auto payments, which is fine in itself. However, I attempted to make my auto payment early and was informed by the Lightstream representative that it is not an option to pay the regular payment early. I was informed that my two choices are to either allow the auto payment to process on the regular date, or cancel auto pay all together and lose the .05 % interest rate reduction. I view this as an unfair and deceptive practice because I am being forced to pay the full interest on each payment because it is not allowed to process earlier than the scheduled date each month without losing the .05 % interest rate reduction. For example, if I were allowed to pay my auto payment that is due to run on XX/XX/XXXX today, XX/XX/XXXX, I would avoid paying 18 days of additional interest on my {$820.00} monthly payment amount. It was not in my contract that I would be 'penalized for making payments early ', however that is the case due to the penalty on both options given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to dispute the following items on my credit report. There has been Inaccurate information reported to the XXXX credit bureaus : TransUnion, XXXX and XXXX would like them removed immediately. Previously disputed with no resolution. 

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

Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. this is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & are in error that need to be delete from my credit report.
Product: Debt collection

Subject : Formal Complaint Regarding Unlawful Debt Collection, Violation of Computer Laws, Forgery, and Fraud To : Columbia Debt Recovery LLC, dba Genesis Address : XXXX XXXX XXXX, XXXX, WA XXXX To : XXXX XXXX XXXX Address : XXXX, CO Date : XXXX From : XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address the serious legal infractions pertaining to debt collection, computer regulations, forgery, and fraud perpetrated by Columbia Debt Recovery LLC , operating as Genesis, in collaboration with XXXX XXXX XXXX 

On XXXX, I received correspondence from Genesis ( XXXX. # XXXX ), falsely asserting an outstanding debt owed to XXXX XXXX XXXX. This deceptive claim, a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), was made with full awareness of its fabricated nature. 

This fraudulent assertion emanates from XXXX XXXX XXXX 's discriminatory actions against me, documented and reported to relevant authorities, presently under federal investigation for ADA violations. 

The collaboration between XXXX XXXX XXXX and Genesis to propagate forgery and fraud exhibits a blatant disregard for the law and an attempt to conceal their discriminatory practices. 

Moreover, evidence suggests that XXXXXXXX XXXX XXXX unlawfully disclosed my personal information to Genesis without consent, violating the Computer Fraud and Abuse Act ( CFAA ) ( 18 U.S.C. 1030 ), causing significant distress.

In light of these grave violations, I demand the following actions : 1. Cease and Desist ( FDCPA 1692c ) : Halt all debt collection attempts and cease communication regarding this matter.

2. Rescission of False Debt Claim : Provide a written retraction of the false debt claim, acknowledging its fabricated nature. 

This letter serves as formal notice of my intent to pursue legal action if necessary. 

I demand that you treat this matter with the utmost urgency and respect for my rights. Failure to comply with my demands will result in the initiation of legal proceedings, including federal civil lawsuits and criminal prosecution. 

Sincerely, XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/21 my wife and I completed the closing on a refinance loan through Rocket Mortgage. Subsequently, we were informed that our existing mortgage could not be paid off because our mortgage lender was outside of the XXXX And, if the payoff could not be made to a XXXXXXXX XXXX  account the note would have to be terminated. The mortgage company said it would take several weeks to establish a XXXXXXXX XXXX account to accept the payoff and cost {$750.00}. XXXX XXXX at Rocket Mortgage said he would issue the payoff check and once the bank account was setup it could be deposited. I told him that during the time between closing on the new loan and paying off the old loan I'd be paying double interest. He said that would be taken care of after we get the payoff completed. Upon completing the payoff on XX/XX/21 he then informed me that Rocket Mortgage would not honor his commitment and credit me the interest paid to them even though I had no access to the funds I was being charged interest on. When I told them I wanted to terminate the new loan and be made whole they said that can not be done because the loan was already sold ( I received notice of that ). It seems clear to me they enticed me with the lure that my interest would be taken care of long enough to sell my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted five times this past year ( 2021 ) to obtain a copy of the Experian Business credit report for my business, XXXX XXXX XXXXXXXX. Experian has failed to even respond to any of my requests, against federal law, albeit for a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I was re-locating from Indiana to Florida. I had to break my lease a couple of months early. I spoke with the leasing agent of the apartment complex and made an arrangement to pay the remaining balance due on the apartment. I was not aware that the apartment complex went ahead and sent this account to collections until I obtained a copy of my credit report. The amount they are reporting is false and this account should never have gone to collections in the first place. XXXX has deleted this line item from my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't under any influence of anyone else and this is not a third party. The three major credit bureaus are showing low and inaccurate credit scores and reports for me in their systems. I have complained numerous times for them to fix the situation about fully inaccurate items. The problem has not been resolved by any of them. Before these items were placed I had a XXXX and now they show me at a score like XXXX, that is a major scary difference. XXXX paints me as an untrustworthy consumer from the stuff that they placed. 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 XXXX 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 on my accounts. I have modest but ok income. Something is wrong with these bureaus. I do not understand why they are abusing consumers .They kept lying telling me they disputed XXXX its not reporting but it kept reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the inquiries and it's been 60days and they record the calls and admitted they had my police report XXXX ftc and affidavit. That was after attempting to contact XXXX more than 21 times. These companies are supposed to be protecting consumers. They need to be corrected and I wish they would listen. they are causing me XXXX  XXXX and stopping me from getting this job offer that I have which is horribly stressful PLEASE HELP im extremely frustrated. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

This is about a Lowes / Synchrony Bank Credit Card. Cardmember services help me with my card and when I get the next moth 's statements ... the Cardmemember Services are malicious moving money around in my account so that I end up paying interest cahrges or not making the promotional expiration deadlines.
Product: Credit reporting or other personal consumer reports

When entering into the program I along with several others were told that the other members in our group would pitch in and make the payments if we fell on hard times.I was given wrong information and pressured to take out this loan to " help my credit ''. 
This is not what happened. I was never offered helped. 

I had a XXXX in XXXX ( see attached ) and was unable to make payments until I recovered. I explained that to XXXX who was supposed to be the manager. I was assured that as long as I made an effort there would be no impact to my credit. I was told that this program would help my credit and that they would never do anything to hurt their members. 

They inconsistently reported balances. They never accurately furnished the correct information to the credit bureau. The center managers XXXX and XXXX did not inform me of the risk of joining this program. 

This program is predatory in that it targets XXXX XXXX  XXXX women. High unreasonable expectations that are not explained in the beginning. They promote community but it is not like that once you join and they don't help you in the long run. They then pressure you to add in more of your friends like a pyramid scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXXPLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).  You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I stopped using the credit card when it changed from XXXX XXXX XXXX to Marcus by Goldman Sachs about XXXX years ago. There happened to be a balance and fees on the card which I paid and closed the card at that time. I forgot about the card. 
It so happened that there was XXXX XXXX remaining balance on the card. I was sure the card had been closed... Then after a few months I was somehow informed that there was a XXXX balance on the card which I considered closed. I called them and tried to explain that I didn't need to use the card and if they wanted me to pay the XXXXXXXX XXXX balance they should have notified me about the balance instead of keeping it open despite my decision to close it and adding monthly late/non-payment charges to it. 
The bank people are now calling me and threatening with collection. Please help me to solve this situation with the GS bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX SS XXXX XXXX XXXX. I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files.Please delete remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

XXXX  XXXX/XXXX  XXXX  stated I owed them money for a rental moveout adn reported me to Rent Recovery. I contacted XXXX XXXX XXXX  and made a settlement to resolve the issue for which I paid them. XXXX XXXX/XXXX XXXX provided me a letter stating it was resolved, but they will not contact Rent Recovery to clear the debt off my credit. I attached the letter they provided.
Product: Credit card

To whom it may concern : ( PLEASE NOTE : MY PHONE NUMBER HAS CHANGED, IT'S ( XXXX ) XXXX ) Re : AMEX Application Approval Process. 

When I was much, much younger, back in the XXXX 's to be exact. I had an AMEX credit card, had it for some time. Had a great relationship with AMEX during such time, but unfortunately, I fell onto hard times and ended up having to file a XXXX XXXX bankruptcy. 

Since then, my life has done a complete XXXX. All is great now, better then great actually. My understanding is financial institutions can not hold bias against a consumer for past financial mistakes and that the Federal bankruptcy laws have protections in place that protects the consumer. 

It's been well over 3 decades now, and in such time, I have achieved an exceptional credit score that is just shy of XXXX, I decided to give AMEX another go and was a top match on my XXXX credit profile. 

I first applied for an AMEX Everyday credit card back on XX/XX/XXXX DECLINED. 
I made a second attempt on XX/XX/XXXX for the same card on XX/XX/XXXX DECLINED. 
I made a third and most recent attempt on XX/XX/XXXX DECLINED. 

I'm not clear on exactly what criteria AMEX is using to continue denying me access to one of their credit cards when clearly, I more than qualify. 

I'm attaching the most recent documents of reason AMEX has given me and would ask that AMEX stop the bias against me once and for all. It's beyond understanding. 

Respectfully yours, XXXX XXXX XXXX
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Accounts name : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$910.00} XX/XX/XXXX XXXX has violated my right. ( I was XXXX XXXX XXXX XXXX  of the United States of America at the time the account was opened. I am a XXXX 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.