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

My credit card company I have had for over 5 years have decreased my balance from XXXX to XXXX without notifying me. 

Upon research I found out it might because of missed payments which I did not miss any. I have proof that I have made my payments on time but they have been returned by the financial institution I was using which is a different bank that did not recognize the transaction. 

I called customer service, explained the situation, had them notating in the account and they still lowered my balance without warning or notification. 

When I called to ask why my available balance was only {$800.00} after I had basically payed off my {$1500.00} balance customer service said they sent me a letter with the reasons, letter I have not even received yet. 

I have to say learning about credit cards and credit score has been a journey. This is something that is not taught in school and one have to learn the ropes by ourselves. I have been studying and learning how to properly utilize my credit cards and now that I am paying my balance off they decide to lower my limit.

This actions not only affect me in my credit score and profile also affect me in the future plans I have of being a homeowner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I Am a Victim of identity Theft How can I be in Jail And purchase a Car. I see where the car was like XXXX and who ever stole my Identity was making payment and still owe XXXX. I am trying to finish getting my life in order and this is hard I never touch my credit and i never had a good Car. can you please do your research ... .. I even went to the County Jail House to Show Proof I was INCARCERATED AT THE TIME ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Cabelas # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX master card appears twice on my Equifax credit report. The last four of the card are XXXX.
Product: Credit reporting or other personal consumer reports

I received a message from credit karma re a " hard check '' done by XXXX XXXX - which is a credit card issuing company from XXXX XXXX. I have NEVER had anything to do with XXXX XXXX  or XXXX XXXX and never will. I called XXXX XXXX and got nowhere. In addition XXXX XXXX found nothing in my name but requested a lot of added information which they should not have done. Upon calling XXXX XXXX  directly I was connected to XXXX XXXX It was time to report both the XXXX XXXX  and its subsidiary XXXX XXXX. Apparently they are involved in some type of fraud with their XXXX - XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with Target Card services since XXXX. On XX/XX/XXXX I called to do a customer assistance due to medical issues with my spouse. On XX/XX/XXXX at XXXX XXXX, I was told by the rep that he would waive the {$93.00} and I did not need to make a payment until XX/XX/XXXX of {$28.00} and I would not be reported to the credit bureau. This is also stated on my statement and the letter I received. On XX/XX/XXXX, I realized I was reported 30 days past due reached out and spoke with a rude rep and then requested to speak with the supervisor. I spoke to the supervisor after 3 more phone calls she stated I would need to write a letter to get the call reviewed because the rep gave me the incorrect info and I needed to make the payment of XXXX and will be no longer 30 days past due. I made the payment then reached out the next week to see if there was a status on the letter and I was told no but the rep put in the dispute as well that was not previously put in. The next week I called and was told I would receive a letter with the status and my account is current and not past due. On XX/XX/XXXX I called with a follow to make sure I was not past due and was advised that I was not past due on my account and a letter was sent in XX/XX/XXXX with the results of the investigation. On XX/XX/XXXX I receive a notification from XXXX that I was 30 days past due for XX/XX/XXXX and XX/XX/XXXX, which was confusing because I made a payment 3 times in XXXX on XX/XX/XXXX, XXXX and the payment was due on XX/XX/XXXX. I spoke with a rep that then said I was 60 days past due even though I spoke with several ppl that stated I Current. I called back and spoke with a lead that stated he did not understand the reporting being my payment was due yesterday and the system will not report to the credit bureau until the XX/XX/XXXX of the month. He stated for me to call back on the XX/XX/XXXX, with the update and provided me with a case number. This is ridiculous and poor customer service and training on their end. The reps provide you with the incorrect information and the consumer pays the consequences. This is unethical practices!
Product: Mortgage

Mortgage loan closed on  XX/XX/XX  and lender noted lender 's credit on closing docs.   On  XX/XX/XX  recd  XXXX  from lender noting other income. In query to lender advised first narrative that this was a homeowner grant - disputed ; then after appro x 2 pl us weeks was advised this was a origination assistance and  XXXX  was amended and reduced the amount from {$1500.00} to {$950.00} still disputed as none of these narratives appear on the closing docs and third narrative was this was as GIFT? With filing my taxes and adding the {$950.00} to my adjusted income I 'm at a loss of refund from Federal/State of approx {$300.00}.   Have requested numerous times a letter from lender explaining the situation and yet to receive. This has been disputed continually almost daily with the lender and have all history of phone calls and lender staff from the mortgage banker who initially processed the loan application to several Escalation Managers etc. without a satisfactory explanation.   Mortgage banker aware of the credit yet never aware that it would result in other income!      XXXX   XXXX   o n loan application, underwriter 's docs and closing docs show the amount of {$1600.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern ... my name is XXXX XXXX ... my family and I have recently been affected by the COVID 19 pandemic, not in a health way ... however in a workforce way ... we have been laid off by our employers in XXXX and have absolutely XXXX income coming into the household right now. I understand the importance of keeping up with my payments and bills however I have the following outstanding accounts right now : MIDLANDCRE for {$2300.00} I am currently in no position to be able to pay back these creditors, as my family and I do not know how long the quarantine will last. All I am asking for is help, relief, sympathy and understanding to be able to get these items removed off of my report.
Product: Debt collection

This problem started XXXX of XXXX when I hired national debt relief to help me with XXXX credit cards discover and XXXX 's they resolved the discover but XXXX 's would not cooperate and in that 3 years added another XXXX or so interest to the card and then started level on my bank accounts and took XXXX and retirement out of those accounts, there were also still money in my grandsons account because his mom passed away and he was a juvenile so my name had to be on his accounts, the original amount owed was XXXX in XXXX XXXX XXXX 's they took XXXX and were offered XXXX to be done with it and they refused to take it, I feel national debt relief dropped the ball telling me they were working on this and now all this is happening, I am going to be XXXX XXXX XXXX and can't take anymore of this XXXX XXXX XXXX XXXX XXXX  national took my money monthly of XXXX up until last month which started XXXX of XXXX please help me
Product: Credit reporting or other personal consumer reports

I have a very old account that I have tried several times to resolve with no success. It's a XXXX card that is 6 years and 9 months old anyway. It's ONLY 3 months from falling off my report according to Experian. The derogatory date is incorrect. It should have fallen off in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report in line with the consumer 's written instructions. I would like to state that XXXX is in breach of this provision. The following accounts were never reported on my consumer report by XXXX with me as the consumer 's express authorization. 

Consumer : XXXX XXXX Last 4 of Social : XXXX date of birth : XX/XX/1990 XXXX file number : XXXX Accounts 1. XXXX XXXX XXXX account # XXXX 2 .Dept of ED XXXX : all accounts associated with this company 3. XXXX XXXX XXXX XXXX : all accounts associated with this company Identity theft occurs without consent. I've included a report on identity theft that claims they are being falsely provided on my credit report. I demand that these errors be taken out of my consumer report. I would start to lose trust in the financial system if these mistakes weren't fixed. In accordance with 15 USC 1681 ( a ) ( 1 ), I would like to state that the banking system dependent upon fair and accurate consumer reports. XXXX is breaking the law by allowing these accounts to appear on my consumer report. Once these illegally furnished accounts are removed ; XXXX must inform the other two credit bureaus. Hopefully this can be done without me having to file litigation.
Product: Credit card or prepaid card

To Whom It May Concern : I have an on going dispute with Afterpay, as I ordered some items back in XXXX from XXXX from XXXX. At the time XXXX was offering a VIP program I declined. I received and paid for my items through Afterpay I received those items and thought that the transaction was complete. 

Afterpay continued to charge for the VIP. I disputed these charges and closed the account that I used at the time. That account ended in XXXX. I called out to XXXX on XXXX and I have confirmation that the account was closed. 

Afterpay used the account ending in XXXX to continue paying for the Fabletics VIP membership that I no longer have. I DID NOT GIVE Afterpay permission to use this card. I guess I am still in dispute with them. 

I called the issuers for the card ending in XXXX disputed this transaction and canceled this card as well. I want them to stop. They are like a bad boyfriend with an STD.
Product: Money transfer, virtual currency, or money service

There is a Company for cryptocurrency trading platform called XXXX. 
I transferred money from XXXX and XXXX to the XXXX platform for trading. 
I built up over XXXX on this platform, recently due to a minor mistake, they froze my account totally and won't let me use my money for trading or withdrawing until I pay them XXXX dollars more. I want to report this scam or fraud for investigation. They are bulling me for an extra XXXX for no good reasons, If I don't pay them in 5 days they will take over the account and will delete my account, and will own all my funds. 
Please help me and I don't know what to do with this company. I was introduced to the company by my XXXX friend from XXXX XXXX who had never met her in person. Her name is XXXX XXXX and she claimed she is living in XXXX XXXX with her daughter XXXX XXXX. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed on my report several times an account with XXXX XXXX account # XXXX. i have never been late on this account, but your company has said that you verified the account how ever the other breaus have verified and determined that iwas never late on account
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela Department of education Opened XX/XX/15 Amounts. {$2300.00} Sent letter explaining that I never took this loan, someone has my identity information. 

XX/XX/15 Amounts. {$1200.00} XX/XX/2015 Amounts. {$2500.00} XX/XX/2015 Amounts. {$3800.00} Sent letters and made phone calls explaining. I never took out a student loan. This is affecting my credit and my score. Please find the person that is doing this. I am still getting bills and collection from Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a address listed that is not correct. XXXX XXXX XXXX  XXXX XXXX  XXXX, New York XXXX is not an address i have lived at. I have lived in XXXX  for XXXX  years. I am XXXX there is a club activity that i have not joined. Was made by applied data finance on XX/XX/19 i did not authorize.
Product: Mortgage

We received a final closing disclosure for our mortgage with JPMorgan Chase on XXXX XXXX, 2016, four days prior to our closing on XXXX XXXX, 2016. We noticed immediately that there was no line item for " State Mortgage Tax '' and subsequently no costs associated with it. We contacted our mortgage bank who could not immediately provide an explanation about the missing charge, but promised to look into it. On XXXX XXXX, 2016, less than 72 hours prior to our closing, we were issued another closing disclosure, this time including the " State Mortgage Tax '' with an associated cost of {$17000.00}. The reason we were issued this second disclosure, we were told, was to avoid any delays in the closing, with a promise that the discrepancy would be resolved at a future date. 

After our closing, we were issued an explanation that the first disclosure we received was actually a " draft '', and that the bank had purposely not included the " State Mortage Tax '' line item, and had for all intent and purposes planned to reissue another closing disclosure that would act as the " final '' disclosure. This struck us as odd since the there was no indication that the first disclosure was a " draft '' : there was no watermark indicating " draft '', " initial '', or " preliminary '' CD. Indeed, the very top of the document states " This form is a statement of final loan terms and closing costs '', giving us an assurance that this was truly our final closing disclosure. The supposed " draft '' and " final '' closing disclosures were actually exactly the same except for the " State Mortgage Tax '' line item. 

When questioned about this, Chase stated that a " draft '' CD is not a document that is typically provided to the borrower and it is watermarked " draft ''. They claimed that the first closing disclosure was an " initial '' disclosure, and the " final '' disclosure is provided at the closing table, and that there is nothing on a disclosure indicating that is it an " initial '' version. Additionally, Chase claimed that they did not need to technically re-issue the second closing disclosure until at the closing table, even though there was a discrepancy of {$17000.00}. 

After further questioning, Chase finally admitted that an error was made and that the " initial '' closing disclosure should never have been sent out. Even while admitting this error, Chase maintained they are not liable for the discrepancy. 

It is our understanding that mortgage taxes are XXXX tolerance line items that can not change from issuance of a closing disclosure to closing.
Product: Debt collection

There is a collection listed on my credit report from Carter-Young Inc for an amount of {$10000.00} which is completely wrong. I have tried to resolve this but the apartment complex has changed hands and now no one can talk to me about this false collection. I received something from the initial apartment showing {$3500.00} no where near the {$10000.00}.
Product: Payday loan, title loan, or personal loan

Recently requested SCRA benefits from OMNI Financial, company has not responded to my request I am applying under Louisiana State Law as a Key provision state. Mutiple request has been made to comply as they have violated my rights under SCRA.
Product: Student loan

My FFELP loan was sold to a private loan or Sallie Mae and then sold to NAVIENT without my approval making it in eligible for loan forgiveness. Saying that I work for a nonprofit organizations for over 15 years.Then my principal was down to XXXX owed after paying for 20 years over XXXX in interest is now escalating since they put me into a progressive interest loan so my principal now is up to you XXXX my original alone amount was only XXXX. I would like to make a complaint against NAVIENT if not a A lawsuit to prevent this from happening to other borrowers I've been paying for over 22 years {$600.00} a month with multiple forbearance is and other options seem to be nullified. I borrowed the money From XXXX to XXXX graduation. I would like to make a class action lawsuit or participate in your lawsuit for fraudulent miss leading miss knowledge poor business practices of NAVIENT.
Product: Credit card or prepaid card

On XX/XX/2022, went to a resort for an excursion : jet skiing. After our excursion, I bought beverages : {$66.00}. Yes, had card in my possession that day, Thursday XXXX, XXXXXXXX XXXX 

On Friday XX/XX/2022, there were three ( 3 ) unauthorized charges of {$700.00} : total of XXXX. Wells Fargos claims the charges were made via chip ; meaning it was in my physically possession and authorized the charges. However, I made XXXX charges that day, Friday XX/XX/2022. I did NOT physically have the card in my possession. Going forward I did have the card. I believe my card information was stole the day of the beverage purchase or in my hotel the day the fraudulent charge was made. The card was at my hotel with all hotel personnel having access to my hotel room. I did NOT use and/or have my card in my possession XXXX, XX/XX/2022. I was out and about exploring.
Product: Debt collection

i have contact this agency via a dispute i dit, this loan i never get any paper word or deb note for collection, so i can appeal or pay or find out why i old this much, Also this deb should be on loan for forbearance since the national emergency covi 19 pandemic, but they still report this to my credit as a collection account. 

all this steps they take are illegal.
Product: Checking or savings account

I withdraw a {$600.00} cash from Chase ATM from my savings on XX/XX/23 one time. On next day, I checked my transactions on my Chase mobile that shows a duplicate transaction was made.

I filed a claim thru Chase and there was a decision that there was no error on the ATM so they couldnt reserve the duplicate transaction.

I was not very happy and furious about the decision. So I contacted them again explaining that where for me to ask and help to get my money back. They kept telling me there is. Nothing I can do.

I understand that their investigation found no error and so on and they only followed their protocol. But me as consumer, I lost {$600.00} and no one is responsible for this.

Thats why I am here to file a report for help.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. I have a collection account on my credit report that does not nor has it ever belonged to me. I have tried to resolve this issue directly with all 3 of the major credit bureaus and the company. The account in question is a collection account for {$680.00} from XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  I sent the company a certified letter, of which I have enclosed the receipt from the USPS and my credit report as of XX/XX/XXXX. They never responded to my request. I have recently checked my XXXX credit report and the same debt is reporting as a Collection account and a Closed Act account. I would like this account deleted permanently from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

I had a previous complaint XXXX which CFPB closed XX/XX/2022. Moneygram detailed instructions for me to receive {$3900.00} which I followed at XXXX. The transaction could not be completed at XXXX as promised by Moneygram, " unable to process transaction '' was displayed.

Moneygram is unable to process my transaction. I have wasted hours and hours dealing with their incompetence.

Please require Moneygram to send me a check for {$3900.00} immediately. 
Thank you.
Product: Mortgage

We have been paying down our line of credit for years. In XXXX of 2023 we noticed that the average daily balance on which our interest was based on our monthly statements fluctuated from month to month often being significantly higher than the beginning and ending account balance on the statement. Upon contacting the bank I was told it was a printing error and they would get back to me. This has gone on for months and they tell me I can be assured that my interest charges are correct and that this is a system wide problem that they are working on. I am just to trust that the interest amounts I am paying are correct. Their statements are not correct and haven't been for quite some time. We are however paying interest often based on significantly higher average daily balances that are owed. So we are left to just trust their word and not our statements. I can't see how this is acceptable for bank reporting.