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

In Mid XX/XX/2021 I applied for a secured credit card with Discover Financial Services. They approved me for a secured credit card, and I sent them my {$500.00} deposit for the secured credit card. Once they received my money, Discover Financial Services sent me via email a XXXX tax document to sign. I refused to sign this document because as I stated this was a secured card and I have had them in the past with other financial institutions without having to sign a XXXX tax document. They also would not provide a rational explanation for requesting this document other than for identity purposes. 

Therefore I was forced to close an account that was never actually approved because I refused to sign the XXXX, also they ask for this after they got my {$500.00} deposit. This is an important issue the deserved to be disclosed upfront in the application process. Finally I do NOT want my credit scored impacted because I had to closed account that was never actually opened from my perspective, reported to the credit bureau. But from Discover 's perspective they said I would have to close the account. I want my deposit refunded asap, as well as DFS NOT reporting this to any of the 3 credit bureaus.
Product: Checking or savings account

XX/XX/XXXX XXXX AMEX credit card balance of {$2300.00} with XXXX XXXX XXXX check # XXXX ( XXXX Routing # XXXX. Checking account balance at that time : {$39000.00}. I was notified by AMEX undated email " Return Reason : Can not be processed. Please refer to your financial institution ''. XX/XX/XXXX AMEX Cust Svc spoke to XXXX : said Credit Team told him the check was presented four times and always returned and to call my bank. XXXX Cust Svc spoke to XXXX : no record of the check being presented. He believes AMEX tried to convert it to an e-check and used wrong XXXX #. They have experienced this before with AMEX. This check never showed on my account as being returned. Two more checks have ben handled by AMEX in the same manner : check # XXXX dated XX/XX/XXXX for {$1700.00} returned XX/XX/XXXX ( my checking acct balance at that time {$32000.00} ) ; check # XXXX dated XX/XX/XXXX returned XX/XX/XXXX ( my checking acct balance at that time was {$28000.00}. Multiple conversations with AMEX Cust Service always telling me the checks were returned by my financial institution as " 'Admin Returns '' and it isn't their problem. Sent letters to AMEX on XX/XX/XXXX and XX/XX/XXXX explaining what was happening to me and asking for someone to explain and fix. Executive Cust Service Rep was assigned to this case and kept telling me the same thing, that it is all my banks problem, talk to them. This circuitous nonsense of responses has been going on since XX/XX/XXXX, and going nowhere because no one at AMEX will give me a straight answer as to why checks from my XXXX account that I have used for 20+ years to payoff my AMEX balance monthly, is suddenly no longer acceptable in XXXX.
Product: Credit card or prepaid card

On XX/XX/2019, I initiated a reservation to stay at XXXX XXXX. Within minutes, I cancelled and received confirmation that the cancellation was approved. I assumed that the charge was removed but never confirmed. I was on auto pay, so regretfully, I did not always check my balance. When I checked my account, I noticed that I was double billed and not credited so I reached out to Discover as I assumed this was an easy fix. I was given a temporary credit but then rebilled. This process of disputing to receive a temporary credit and then rebilled has occurred at least XXXX times over the past XXXX years. Each time, I am transferred from department to department with no permanent resolution. In addition, I've provided copies of the email cancellation notification by uploading to my account as well as by mail. I even say the documents when I uploaded them but now they are no longer visible and all representatives are saying they are not there. I have been billed twice for {$530.00} when I should not have been. I did not stay at XXXX XXXX and the reservations were cancelled. 
Discover continues to transfer me from XXXX department to the other and will not escalate to a decision maker.
Product: Credit reporting or other personal consumer reports

I received my credit report from XXXX, XXXX AND EXPERIAN on XX/XX/2024 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient told me if I made a payment before XX/XX/XXXX I would not be reported as delinquent. I entered into a repayment plan suggested by XXXX on XX/XX/XXXX which called for a six month interest reduction and a reduced payment. The pay was made in XX/XX/XXXX, and Navient reported me as delinquent anyway, indicating that because I made a reduced payment and enterened into the agreement they suggested, it was not enough to prevent the delinquency from being reported. In essence I was lied to and now my credit score has taken a hit that I was told would not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Kia Motors Finance located in XXXX XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Kia Motors Finance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Student loan

Greetings, My name is XXXX XXXX, and I am filing a formal complaint against Pennsylvania Higher Education Assistance Agency ( PHEAA ). The complaint arises from PHEAA 's unlawful attempt to collect on an alleged debt. 

Details : On XXXX XXXX, 2016 I received a letter from PHEAA threatening wage garnishment ( See attached letter ). They also went as far as listing my most recent employer to indicate from whom they 'd be garnishing the alleged debt from. The letters starts off by stating, " You are given notice that Pennsylvania Higher Education Assistance Agency ( PHEAA ), pursuant to Federal law ( Public Law 103-164, as amended by Public law 109-171 : 20 U.S.C. Section 1095a et seq. ), will order your employer to immediately withhold money from your pay ... ''. 

They go on to say that I must establish a " written repayment agreement '' with them by a certain date or they " will proceed to collect this debt through deductions from '' my pay. The second paragraph of the first page continues to levy additional threats in regards to garnishment. 

This letter is in violation of multiple FDCPA laws including, but not limited to, 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692j - Furnishing certain deceptive forms, etc. 

This unlawful attempt to collect on this alleged debt has left me physically exhausted and fearful. The amount of emotional distress is all-consuming because I do not know how far this company will go in their unlawful attempt. 

I would like the Bureau of Consumer financial protection to file an FDCPA lawsuit against PHEAA on my behalf for their behavior in this instant matter. 

Thanks in advance for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am seeing an inaccurate status on my XXXX XXXX XXXX Account # XXXX. It is showing 30 days late and it should say never late or paid as agreed. My other credit files show the correct payment status. only Transunion is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and again on XX/XX/XXXX all 3 Credit Agencies are refusing to provide me a paper copy of my credit report. All 3 agencies have been notified by me personally that I want my free credit report so I can have false information permanently removed. 
Credit attorneys in XXXX and the entire state of Indiana have refused to assist me even after I have filed complaints with the State Attorney General and the Indiana Bar Association. I am being forced as a single dad of a XXXX XXXX   son to suffer and try and hire an attorney from Florida because no one in this country does their job properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was going through my XXXX credit report and noticed that Grain Technology had not reported my account statement since XXXX. On XX/XX/XXXX, I sent them a message asking about whats going on with the lack of reporting with screenshots from XXXX that show the most recent report being in XXXX. They didnt respond until XX/XX/XXXX, I also tried calling them in that time but no representative answered, with some generic answer about escalating it to the credit reporting team. I tried to follow up with them, and on XX/XX/XXXX, I received a message that XXXX did not update our XXXX and XXXX credit reporting and that they have resubmitted the reports. Since then, my XXXX statement date of XX/XX/XXXX has passed and the only change is reporting has been updated to XXXX ... still three months behind. Grains reporting is also one month behind for XXXX and XXXX. Ive opened disputes for those, since contacting the company directly has been ineffective ; its a terrible product with even worse support and services.
Product: Payday loan, title loan, personal loan, or advance loan

They will not let me log into my account to pay this loan. ive tried for months now. It says I dont have an account, and tries to get me to sign up for a new one every time i put in my phone number forcing me into an endless login loop. ive tried contacting customer service to get into the account, but its automated and have yet to receive real human help. meanwhile they keep reporting incorrectly on the account saying im not paying it ... this is not a true reporting statement because again they wont allow me into the account to pay it!!! its {$7.00} ... im not too broke to pay the {$7.00}. they just wont let me into their system and there is no other way to pay it.
Product: Credit card or prepaid card

XXXX XXXX i never applied and never have i ever gotten anything for them
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, a consumer, am submitting this complaint against transunion and there is no third party involved. Transunion, XXXX, and XXXX has my personal information incorrect and inaccurate on my consumer report. My name is XXXX XXXX XXXX. I do not have any other names or alises, and I do not wish to disclose any other names. I have provided the required documentation to show my given name and transunion refuses to delete any other name that appears on my report. My current address is XXXX XXXX XXXX XXXX XXXX, IL. XXXX. I currently have no other addresses and do not wish to disclose any other addresses. Therefore if any other addresses are being reported, i demand that you delete them from my consumer report. all the phone numbers listed are inaccurate and i do not wish to provide any telephone numbers. The name on my social security card and driver 's license is how my name should be spelled as well as my address. I demand transunion, XXXX, and XXXX  correct the inaccurate information listed above within 3 business days. Transunion, XXXX, and XXXX  is liable for damages of {$1000.00} per violation for civil liability for willful noncompliance which transunion, XXXX, and XXXX  has failed to comply. This also includes my actual damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! XXXX XXXX  went into my report on XX/XX/17 again on XX/XX/17, XXXX   XXXX XXXX XX/XX/17 again XX/XX/17. CBC Innovis XX/XX/17 again on XX/XX/17. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score, which is a lie. CBC Innovis gave me three fico scores in XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX. I received these scores over the phone from CBC. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, XXXX  XXXX had this abuse not happened I would be well into the mid XXXX 's, since I have no derogatory marks against my credit or late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX*
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
I want complete DELETION of account and the sum payable in the amount of {$1000.00} for each account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I CONTACTED XXXX XXXX TRANSUNION TO ADVISE THE FRAUDLENT ACCOUNTS ON MY CREDIT PROFILE. IVE CONTACTED THE COMPANIES AND HAVE NOT HEARD FROM TRANSUNION AND XXXX CLAIMS TO HAVE VERIFIED THE ACCOUNTS. WHERE ARE THE CONTRACTS AND AGREEMENTS .. WHAT METHOD WAS USED? I AM A VICTIM OF IDENTITY THEFT AND THEY ARE VIOLATING MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

From XX/XX/XXXX to XX/XX/XXXX Ive paid XXXX in tips and fees that arent optional. The advertising on social media told me that there was 0 fees and 0 interest but there is a part of the application where they make you pay a donation and tip that seems to increase every time you take out a loan.
Product: Credit card

I received XXXX denied credit letters that i did not apply for and they are listed with my maiden name XXXX XXXX. I received the letters the week of XXXX XXXX. 
Company name : Discover  application # XXXX ( XXXX ) XXXX Company name : XXXX XXXX XXXX  application # XXXX ( XXXX ) XXXX Company name : XXXX XXXX XXXX application # XXXX ( XXXX ) XXXX Also on my credit report XXXX  card was reported and it had a balance. I called XXXX and they said their Fraud Department would handle it. it was opened in XX/XX/2023