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

today XX/XX/2018 I received an email from XXXX XXXX that my lowes credit card had been closed. I pay on time every month was confused to why they would close my account. so I called customer service and got a man who just kept repeating the same line over again saying I will get a letter in the mail. after I ask to speak to a supervisor he then ask if he had permission to read me this letter that was sent to me, letter said they ran my credit, for this reason or that they closed my account. listed several reason what it could be. no specific reason. I have paid on time NEVER missed a payment. this is not the first time they have hurt my credit drastically, they lowered my XXXX XXXX account after paying some balance off. which also hurt my credit and gave them the ammunition to close my lowes card. I feel they have bad business habits which single handedly ruin people 's credit. this is not right and I will be calling a lawyer and filling a class action suit.
Product: Debt collection

RESURGENT KEEPS CALLING MY HUSBANDS CELL ( XXXX XXXX XXXX AND MY CELL XXXX XXXX XXXX XXXX COLECDTIVELY, 21 TIMES AND WE HAVE DOCUMENTED FOR LAWYER TO FILE CLASS ACTION.
Product: Credit reporting or other personal consumer reports

I called the annual credit request for all three credit reporting agencies to send a report. And since all three failed to mail a copy I called each one directly to verbally request a copy of these credit reports that are causing the principal from being denied credit. All three XXXX, XXXX and Experian have failed to disclose My Right to the file.
Product: Student loan

my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and disch mce my student loan debt in full.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that have appeared on my credit report, as I did not authorize them. These inquiries were made without my permission, and I believe they are incorrect or fraudulent. I request that you immediately investigate and remove these unauthorized inquiries from my credit report to ensure the accuracy of my credit information. Unauthorized inquiries can negatively impact my credit score, and I expect prompt action to rectify this matter. Please confirm the removal of these inquiries and provide me with an updated copy of my credit report once the issue has been resolved. 

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
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX IL {$100.00} I have been trying to work with Macys for months they took it off closed my card and gave me a new card. Can you please help me as they are charging me late charges and intrest and they are reporting me to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to move out my apartment complex due to bad maintenance. I checked a new complex out and I had to get my credit pulled. At the moment it was pulled I learned that I was not able to get the apartment due to bad items on my report. Some one has took my identity they have ran my credit outrageously. I can't think of who would do something like this to me, but the items showing on my report are not mine. Please remove these unknown items. 

XXXX  XXXX/XXXX  XXXX {$620.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$320.00} XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX {$93.00} XXXX XXXX  XXXX XXXX {$120.00} XXXX XXXX {$1300.00} XXXX XXXX {$2900.00} XXXX  XXXX  XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX XXXX XXXX {$3300.00} XXXX  XXXX {$19000.00}
Product: Checking or savings account

My 2 payroll paychecks from XXXX XXXX and XXXX distributors have been distributed by company, but have yet to be available in my checking account. This has caused several issues with attempted debits and late payments on my end ; which has resulted in fees.
Product: Debt collection

This company took a debt which was previously removed and deemed fraudulent back in 2018. This company re-aged the debt as new on my credit report, didnt validate the information and didnt give me time to dispute before entering this debt back on my credit report. 
Last XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further misuse. 
Accounts to Block and Delete 1. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXXXXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$130.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$490.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9400.00} Inquiries to Block and Delete 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 XXXXXX/XX/XXXX
Product: Student loan

This occurred with NAVIENT. This company is horrible and does not direct its customers properly. I had an old loan, which they failed to handle properly and on top of that, they have charged me ridiculous late fees that other providers have not. 

This company needs to withdraw my late fees ( around 300 ). 

They also failed to tell me about converting my OLD loan which does not qualify for IBR programs, such as forgiveness after 10 years of payment. I would be starting over, and I had opened this account back in 2005. 
This company was horrible in the mismanagement of my loan, and to this day the principle has increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please make action on this matter ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, 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 consists of a XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$11000.00}, XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$2600.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$1400.00} XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1300.00} XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$450.00}, XXXX  XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$220.00} XXXX  XXXXAccount # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX paymments : XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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: Debt collection

I am being harassed and threatened by XXXX about some debt owed that I do n't recall. They say I owe Over {$9000.00}. 

They contacted me and surprised me and pushed for me to settle the account. I did not know what to do with being threatened with court and the balance. 

I in duress set up a plan based on the threats. Once I got home I still could not remember aby debt from Cash Call. They said I probably took out a loan for {$2500.00} but I owe over {$9000.00} now. 

I requested some kind of proof to show me what the bill is and they refused. They told me that " they will only send proof to an attorney so I better get an attorney ''. I ca n't afford an attorney for a debt I font even remember or know is mine. I requested proof several times and told them I dispute this debt until proof of the debt is supplied. 

XXXX who is the collector said that I am an irresponsible person and I should be checking my credit once a year. I pulled my credit and could not find this debt. 

They just emailed me that they are sending to the fraud department for investigation. All I asked for is something showing it is my debt. 

I ca n't handle the threats and abuse anymore.
Product: Checking or savings account

I signed up for a Checking Account under a bonus offer for {$250.00} if I did one of the following : Establish a {$500.00} minimum direct deposit or make 10 debit card transactions. I did both, but never received a bonus despite waiting approximately 1.5 months after meeting the bonus requirements. I emailed Wells Fargo about the issue, and they told me I would hear back in 14 business days, which did not happen. I spoke with a representative after that time, who claimed that the promotion I had signed up for had expired on XX/XX/XXXX ( I signed up on the XX/XX/XXXX ), which is impossible because the expiration date of my offer was XX/XX/XXXX as stated in the email I received stating the bonus was attached to my account. This appears to be a classic bait-and-switch and not what I expected when I signed up for this account.
Product: Checking or savings account

BBVA USA has been stealing my deposits. Whenever I go to access the deposited funds the customer service line tells me the funds are unavailable. This has happened with the last two deposits. The bank stole them.
Product: Checking or savings account

Unauthorized charges on XX/XX/2023 for XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Filed a claim with Wells Fargo, but was told these charges were made by me. But how could I have been in California, Nevada, Illinois, and New York all in the same day? All charges from these businesses were not made by me or anyone on my behalf. 

My Wells Fargo Claim Case Number : XXXX
Product: Student loan

I called Nelnet on XX/XX/2023 and used the option to have a call back. I received the callback at XXXX MT and after stating what I needed from the agent put me on hold and then after 5 minutes hung up on me. I already waited 40 minutes to receive the call back and have already struggled with Nelnet customer service and hold times in general. I want someone to call me back and solve my issue. At this rate Nelnet should be fined for the incompetence
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. This account is on automatic draft and no payments have been missed. I am trying to get a home for me and my family and these late payments are causing me to be denied and in cases that I am approved with an extremely HIGH interest rate. See attached Consumer law attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report dispute on XX/XX/XXXX. Someone else 's {$360000.00} mortgage balance with a {$3000.00} per month payment beginning XX/XX/XXXX thru XX/XX/XXXX is on our XXXX revolving charge account. Unable to submit online dispute. Web site blow off with timed out or incorrect input data. Unable to make phone contact with a person. They have automated phone numbers for report requests and alerts and freezes, but none for credit dispute issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/XXXX regarding old incorrect addresses on my credit report with Experian they dont remove them. I tried to file another dispute over the addresses and it said i couldnt dispute because a creditor told them this address was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for almost a year. I've called US Bank informing them that I have never applied for anything with them. 
This inquiry does not belong to me and needs to be removed at once. 
US BANK ( Bank ) XX/XX/XXXX I have XXXX Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts. 
XXXX XXXX XXXX XXXX. ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I opened a new checking account with Bank of America and deposited a check issued by my previous bank XXXX XXXX XXXX XXXX XXXX  ) for {$2700.00}. A few weeks later, I received my debit card in the mail and when I went to activate it, I learned my account had been deleted. I went into a local Bank of America branch and they told me my account had been closed but they were not completely sure why. Several weeks and phone calls later, it was confirmed that my account had been closed due to a problem verifying my identity and that the funds from my account would be sent to me in a check via mail. I still have not received my check, and have called Bank of America several times for an update with no success.
Product: Debt collection

Received call after call all hours of the day on my cell phone while im at work. Then not sure how this happens but my phone would just play the debt collection recording all by itself with screen locked in my pocket every half hour for entire day all hours of day and night. i would be on my phone using it for something else the message would play. phone in my pocket at doctors office for an appointment and outloud on speaker the debt collection message would play. That should 100 % be illegal. I called to ask them to stop and they denied it. i didnt set my phone to play this message every half hour 24/7. I had to take my phone to XXXX and they ended up doing a factory reset.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiries that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ] The inquiry was made by [ XXXX, BANK OF AMERICA, XXXX XXXX XXXX XXXX XXXX XXXX without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ XXXX ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report. Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX {$770.00} In accordance with the : Fair Credit Reporting Act, Public law 91-506, Title VI, Section611, SubsectionA-D.

Please provide the names and business titles of each individual with whom you verify the above crucial information with, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Sincerely
Product: Debt collection

The company called me I answered they told me I had debt that was pushed to them from my old apartments for a cleaning fee and two utility bills for the amount of $XXXX and some change. They said I needed to pay it now at first or it was going to go on my wife and mines credit as bad debt with a derogatory remark. So I asked if there was a payment plan I could do they said no but they could try a hard ship took some of my info and then said I didn’t qualify so I asked them if I could pay them when I got paid the First Lady said let me transfer you to someone who could help you. I was then transferred to guy who said since I was in the military that he was going to give me some Military friendly loan places but he needed my card information first. When I declined he then transferred me to their manager she then got really rude with me and started to threaten to call my commanding officer and they refused to accept any payment from me unless it was the full amount so after arguing with them for about 20 minutes I gave up and hung up on them. I didn’t catch the names but this is the number they called from (XXXX) XXXX if you call it, it will take you straight to the First Lady who called me. Her name is  XXXX. That’s the only name I remember. The company is “IQ Data International”
Product: Debt collection

Dear MIDLAND CREDIT MNGMT Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies.

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges. 
Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand the immediate removal of this fraudulent account and a prompt resolution of this matter.