23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called Capital One back in aproxmitaley XX/XX/year> trying to set up payment plan on my credit cards on what I owe because I had a hardship last year in moving abruptly and choosing between eating or paying my rent. They stated I couldn't do a payment plan so I just made little payments when I could. Why couldn't they do a payment plan with me if I was ; trying pay them back I had a change in jobs and hardship like XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed and submitted a FTC report to XXXX  Credit Reporting Agency ( via certified mail - they received notice on the XX/XX/XXXX ) regarding creditor : National Credit Systems that appears on my credit report in which there's a balance of {$5800.00}. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. 

P.S I have intention on filing legal proceedings against XXXX  and National Credit Systems, pending the outcome of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

I maintained a savings account for my son's college money at Bank of America from XX/XX/XXXX to XX/XX/XXXX. I opened it as a Balance Rewards Money Market account with no monthly charge, which was why I selected that type of account. Over the years I used it to pay my son's college tuition and other expenses. On XX/XX/XXXX there was XXXX in the account and no monthly charge. The following month Bank of America changed the account to a Money Market Savings account without notifying me, and began to charge a XXXX fee every month after that. I continued to use the account, assuming there was no service fee until XX/XX/XXXX, when I discovered the fee and closed the account. During these two years I used the account sporadically to transfer money online to my son, never seeing any notice of a service fee. (At this point I can't remember if I received statements in the mail, by email, or not at all. After I discovered the service fee in XX/XX/XXXX, I asked for a paper copy of each statement from XX/XX/XXXX to XX/XX/XXXX, which I now have.)When I complained to the Bank about changing the account to a different one without informing me, they refunded 6 months of service fees (XXXX), but refused to refund the remaining XXXX.
Product: Credit card or prepaid card

Please, see letter below I'm sending for XXXX time to Synchrony Bank XXXX XXXX, FL XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Synchrony threat letters without assigned case number To Whom It May Concern : Dear EXTORTIONISTS FROM SYNCHRONY BANK =. 

I have provided your lousy trained company personnel with dispute letter explaining chronology of events between your XXXXXXXX junk selling company QVC and yourself and yet you are threatening me with alleged balance due that I dont OWE you since XX/XX/XXXX I have returned junk from QVC to QVC  XXXX XX/XX/XXXX ( see attached proof ) and spoke with both QVC  XXXX and your company XXXX  on XX/XX/XXXX and was assured that all charges including your GREEDY finance charges were removed. 

I just got another letter from you that somehow you are not satisfied with your own XXXX  resolve and will now attempt to EXTORT money from anyway. 

Your company is a menace on United States body of business and individuals. You should not perform any business on this land and just close the doors and go away where CRIMINAL EXTORTION is legal. Your lack of business ethics is astonishing. You are making us customers to hold your business affairs as your employees are not educated enough to make research and keep records. Shame on you. 

Please, remove all charges against my name associated with QVC  purchase and return of their junk  sold on their site. 
You are committing EXTORTION against lawful Citizen and that is ILLIGAL in our country. 

XXXX XXXX XXXX : CFPB
Product: Checking or savings account

On XXXX XX/XX/XXXX my father received an wire transfer in the amount of XXXX from a workers compensation settlement into his Wells Fargo checking account. During this time my father was in the hospital. On he same day a purchase was authorized in the amount of XXXX at XXXX store. My father being in the hospital was unable to authorize this purchase. My father passed away on XX/XX/XXXX, still unaware that the money was missing from his account. As the administrator of his estate I filed a complaint with the bank making the aware of the fraud. A claim number XXXX was provided to me by Wells Fargo banker. I provided all documentation in regards to this fraud to the banker and have recevied no follow up on response.
Product: Credit card or prepaid card

Case Number : XXXX Merchant : XXXX XXXX Date of Transaction : XX/XX/19 Disputed Amount : {$30.00} Dear Sir or Madam : Please be advised that I continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise included in my original dispute. Merchant provided a tacky photocopy of a return/refund policy. However, the policy fails to advise as to how they handle refunds for products damaged while the untrained cashier packs the groceries. 

As mentioned in the original complaint, the cashier XXXX attempted to pack numerous items in one bag causing damage to yogurt parfait cups, cupcake container and plastic bakery container. Therefore, liability for this action rests in the hands of the merchant and not the customer.
Product: Credit card or prepaid card

On XX/XX/2019 I was alerted through my credit monitoring programs that my credit score had dropped significantly. When I went to check on the reason I discovered that my {$3000.00} XXXX XXXX XXXX card limit had decreased by {$2300.00} making it only a {$700.00}. This in turn jumped my debt to limit ratio to 97 % ( I owe {$660.00} ) which caused my score to drop over 40pts. I  accessed my online account for the card and saw nothing indicating a change. I opened my statements and saw it was still showing {$3000.00}. When I contacted the card company they said that on XX/XX/2019 they changed the limit and then on XX/XX/XXXX, sent a letter. The claim was that they occasionally receive information from the credit bureaus and then make changes without notifying their customers based on that information. When they were asked to fix the problem, I was informed that I would have to go through a full credit limit increase application allowing them to pull and place an inquiry on my credit report which is now 40pts lower due to their changes so now I won't qualify. XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance XXXX They have on my credit report missing my auto loan payment. They use to go through XXXX XXXX and for whatever reason they state they never received my payemt back in XXXX. They reported my payments missed starting in XXXX. I have provided a letter and bank statement for them to remove that missed payments off my credit report multiple ties with out success! All my other payments are exceptional and I have not missed any payments. This is not right and causing me not to be able to purchase a home along with other things! They are unprofessional every time I call and not helpful! Im sure Im not the only one to complain about their service and their wrong doing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting Portfolio Recovery breaking FCRA Laws. Some of their variations of names are : 1. Portfolio Recovery 2. Portfolio Recovery LLC 3. Portfolio 4. Portfolio RC 5. Portfolio Associates LLC This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over XXXX points. Portfolio recovery for years have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans.
Product: Money transfer, virtual currency, or money service

I paid for cleaning services but never received them. I have been scammed multiple times on CashApp and do not like doing business through their platform.
Product: Credit card or prepaid card

XX/XX/XXXX The card company took {$45.00}. 
I rented a car from XXXX the total was {$200.00}. They ( XXXX ) requested {$100.00} deposit. However, {$340.00} was taken from my account for the charge. It should have been {$300.00}. Calling my card services help number they inform me that THEY themselves keep 15 % of a rental car purchase for " incidentals ". No where in my card service agreements does it say they/ The card issuer/ bank will hold money against a purchase it says " the merchant '' may. Which they did and was expected. They ( card issuer ) say it will be returned in 21 days without interest. The bank keeps putting me on hold for supervisors that never come on the line. They refuse to return my money and can not show me the term in the contract announcing this fee.I attached XXXX billing, my account statement and my relevant contract fee schedules. ( please remove the next part as well as all attached photos before publishing..my name on the card is spelled XXXX XXXX because they refused to change it unless I faxed them a bunch of documents they already have from the card initial setup less than a month ago ). The card was set up at XXXX XXXX it is a XXXX XXXX prepaid debit thru us bank. Thank you in advance.
Product: Credit reporting or other personal consumer reports

Upstart/Finwise violating 15usc1681eb $ XXXX {$5000.00} theyre reporting inaccurate high credit, inaccurate last date active, inaccurate last reported dates. They illegally charged it off without sending me a 1099c I requested 1099c and they denied me one.i would like to request one now. 

XXXX XXXX XXXX XXXX XXXX XXXX 15usc1681eb. Theyre reporting inaccurate date opened, inaccurate high credit {$11000.00}, inaccurate last reported dates, inaccurate last date active. 

XXXXXXXX XXXX is violating 15usc1681eb they are reporting inaccurate last date active, inaccurate high credit {$1400.00}, inaccurate last reported dates, they charged it off without sending me an 1099c. 

XXXX XXXX XXXX violated 15usc681eb they also credited this as a charge off and never sent me a 1099c, theyre reporting inaccurate last reported dates, inaccurate high credit balances, inaccurate balances, inaccurate dates opened
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft and I believe someone applied for credit cards from XXXX XXXX and XXXX XXXX using my information and SSN. I want these inquiries to be removed, and any transactions on my credit report made on XX/XX/XXXX to be disputed since I was not responsible for any of them. They also got a hold of my credit card and bank documents from XXXX which I believe allowed them to get my details and SSN somehow.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc . ) due to inadequate customer services and unfair practices which violate the the consumer financial protection ACT ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund Transfer Act EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redess for these violations
Product: Credit card

My separated husband has opened credit cards in my name without my knowledge. I found out by reviewing my credit report. Several i am an authorized user and at least XXXX i am a joint user which means i am also responsible for the debt for which he created an is now in charge off. It is over {$14000.00}. I am trying to keep from filing bankruptcy so my credit will stay good. He is in the process of filing bankruptcy. I never had a credit card. He never told me that he did this.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX I on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from EQUIFAX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

ALL OF THESE INQUIRIES REPORTING IN MY ACCOUNT ARE NOT FAMILIAR WITH ME AND AND SOME OF THEM ARE REPORTING REPEATEDLY IN EACH CREDIT BUREAU. I COULDN'T APPLY FOR ANY LOANS BECAUSE OF THESE INQUIRIES THAT SOULD NOT BE THERE AND IT'S STRESSING ME OUT
Product: Credit reporting or other personal consumer reports

Dear Equifax Legal Department I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Specific Issue : " I noticed a discrepancy in the Account Type for this collection account across the credit reporting agencies. ''
Product: Vehicle loan or lease

I have been dealing with gm financial since the inception of my loan. We did get behind on our loan and have brought it up to terms as agreed apon. But they have refused us access to look at our account stating we do n't need to do that. They also still giving me a hard time want to charges fees to pay my car note. I feel that in not allowing me access to view my account and charging me fees to pay loan is illegal. They give me no proof I am paying my car loan. They are also said they do not need abide b y US regulati ons since they are in  XXXX .
Product: Debt collection

I sent a dispute letter asking for proof, don't contact me, provide liscense, etc., that was delivered via certified mail XX/XX/XXXX. The debt amount they have is incorrect, because the original creditor dropped the ball.They haven't checked their mail or something because when I spoke to them, they said they " hadn't received it ''. I asked them to stop contacting me today, XX/XX/XXXX after I received XXXX calls in a row from their robo dialer at XXXX am. They said they would stop contacting me until XX/XX/XXXX, at which time attempts would continue. 


Then I received a notification that my auto-blocker had blocked the number I flagged. They called XXXX times from the same number between XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report Per XXXX XXXX XXXXXXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  : ; {$350.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} ; 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 reporting or other personal consumer reports

I have submitted a written letter via Certified mail to XXXX, XXXX, and Experian to have my name corrected on my credit report as it is incorrect. I also submitted a copy of my Driver 's License and utility bill showing the correct address as requested. This is the 3rd time that I have requested that this be corrected on my credit report. My credit report should show the correct name and address and all incorrect names and addresses need to be removed as they are incorrect. The only name that should be appearing on my credit report is the name on my Driver 's License XXXX XXXX no other name. 
The only address that should be appearing on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX no other address should be showing on my credit report as they are incorrect. 
I have received a letter from XXXX with my name once again incorrect and I received a letter from XXXX requesting my Drivers 's License that was already submitted to them and a utility bill that was also submitted to them for the 3rd time.
Product: Student loan

I was paying my student loan, as agreed on the XXXX day of each month. On XX/XX/XXXX I logged on to pay the amount due of XXXX. The message on the Navient website indicated that {$0.00} payment was due. I spoke to a representative at Navient, who stated " You have over paid for the previous months, and now your payment 's not due until XX/XX/XXXX ''. 

On XX/XX/XXXX the unpaid principal balance was listed on the Navient website as {$12000.00}. 

On XX/XX/XXXX I received notification from XXXX CRA that my credit score had decreased by XXXX points due to an increase in the amount due to Navient, in the amount of {$120000.00}. 

On XX/XX/XXXX I contacted Navient to inquire as to why my principal balance had increased, although I was paying as agreed. After an hour long call, and waiting to speak to a supervisor XXXX. XXXX informed me that my loan was in forbearance due to a " disaster in California ''. 

I was not a victim of disaster, at any time. I did not request to be granted a forbearance, However, as a result of Navient 's dubious practice of arbitrarily placing my loan in forbearance status, increased my principal balance, and has caused further damage by adversely impacting my credit rating and FICO score. At the exact time that I was attempting become a first time home buyer. 

When I requested immediate remedy, The supervisor " XXXX '' informed me that the CRAs could not be notified and their error would not be corrected before 30 days, and that further since I did not have access or the ability to receive notification of resolution via fax, I would also have to wait.for 30 days to have proof of their mistake. 

If, I had been a victim of a disaster Navient 's proposed remedy would only have served to assist Navient by virtue of an increase in the principal balance due to Navient, In my case, Navient 's action was an egregious error/standard form of practice, and I should not have to wait an additional 30 days for ameliorative actions. At present my debt to Navient should be {$120000.00}. 

I am seeking assistance in ensuring that the amount owed to Navient is accurate, and accurately reported, also that CRAs are immediately notified.. 


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