23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used my Walmart branded Capital One credit card. I regularly charge about {$2000.00} at Walmart per month. Last month I used the card to also buy a freezer at XXXX XXXX which added a {$1000.00} charge to the card. Later that month my card was refused at Walmart because of the credit limit of {$3500.00}. I applied for an increase to {$6500.00} and was denied. At first I thought it was because my credit bureau accounts were frozen so I unfroze them and reapplied. I was still denied. All three reporting agencies have my credit as outstanding. My card is always paid automatically by my bank on receipt of the bill. My total assets are about {>= $1,000,000} and my household income is over {$220000.00} per year. I am XXXX XXXX XXXX. The credit card company would not tell me why I was denied. I figure it is either because of my age or because they don't make money from me as I always pay the full amount of the bill. Are either of those reason sufficient to deny me the credit increase? Don't thy have to tell me why the increase was denied?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account has been closed since XXXX. They have been reporting on my XXXX, Equifax for XXXX  years. When I contacted the credit bureaus they advised me that this account will be reporting for an additional XXXX  years.
Product: Mortgage

On XXXX XXXX, XXXX, Specialized Loan Servicing LLC confirmed that the balance on my HELOC was {$0.00}. On XXXX XXXX, XXXX when my Title Insurance Company requested a written estoppel letter, Specialized Loan Servicing, LLC realizing that I was selling the home, now falsely represented that a balance of {$77000.00} was due and that unless I placed that into Escrow, I would be penalized by not closing the sale of the home. I have send numerous letters, third party authorizations, and they keep orchestrating the fraud because they know that at the end of the month, the Escrow may be released.
Product: Prepaid card

I won an American Express gift card in the amount of {$2500.00}. I was saving the gift card until I needed it and when I went to use it I realized that the card wouldn't work. I then called AMEX and they said that even though the card wasn't expired that the funds had been turned over to the state and the purchaser of the card was contacted and asked what he wanted to do with it. The purchaser of the card just worked for the company that i won the prize for he didn't spend his own money to buy the card. This person told AMEX that he wanted a check mailed to him in the whole amount. He basically stole the money from me. I would like to try and get this money back since it was rightfully mine and since the card didn't expire yet. This person should also be accused of a felony in the amount of the gift card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts above have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report conmtaining 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.

5 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

These inaccuracies have prevented me to qualify for an auto loan to purchase a vehicle to commute to and from work which therefore has restricted the job opportunities that i can qualify for.
Product: Debt collection

I paid off this balance with this doctors office nearly 5 years ago. After paying off the whole balance, this item didn't appear on my CR for 4 YEARS?!?!?!. Since it appeared, I have been trying to get this removed. I did dispute this item with both XXXX and XXXX. They determined that the collection company 'American Collection Systems could NOT PROVIDE ANY PROOF THAT THIS DEBT WAS OWED by the individual ( me ) ' so they both removed it after they investigated.

Unfortunately i am STILL unable to get this removed from my XXXX   Credit Report for some reason even after disputing it multiple times with them. This fraudulent item is lowering my credit score by at least 75 points with XXXX.

The debt collections company wants me to prove I paid it off but, again, I paid it off 5 years ago and no longer have any records of those payments.

The entire bill was nearly three thousand dollars and it was paid in full in 2013. There is no logical reason why would I pay 90 % of the bill but not the rest. Also, why did no one attempt to collect on this debt for FOUR YEARS if I actually owed this?

I have asked this company ( at least 4 times now ) for ACTUAL proof that I owe this debt and all they provided was the doctors name and information. I need PROOF of the debt ( e.g. original bill amounts owed, all payments made, running balances, etc. ) otherwise I can't prove I paid it off and 'Amer Coll Sys ' can't prove I owe it either.

I researched this and, in California, where I live, the burden of proof is on the debt collection company to prove that this money is owed, not on the customer to PROVE it was paid. They are attempting to collect on FRAUDULENT debt but they refuse to take any responsibility about correcting their records.

I have attempted to resolve this with the Collection co. directly multiple times and with XXXX multiple times as well to no avail.

I want this fraudulent item removed from my XXXX credit report and for this collection company to never bother me again.

I PAY ALL MY BILLS on time, but I'm not a fool, and i don't pay debts that i don't owe or that I already paid.

Please get them to stop harassing me or get me REAL PROOF.
Product: Money transfer, virtual currency, or money service

Topped up with my Virtual card but never received funds! Company denied transaction occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to lock/freeze my credit reports with TransUnion in XXXX of 2021. I signed up for an account on TransUnion 's website to lock my credit report. Their website advertised free locking of credit reports. During the sign up process, I was asked to provide my credit card information, which I assumed was part of TransUnion 's verification process. 

TransUnion covertly subscribed me to their paid credit monitoring service. There was no clear indication that I would be signing up for this service. I did not receive any clear notice that I would be paying a monthly fee to TransUnion. I wanted to freeze/lock my credit report, which should have been available to me for free. I did not make any use of their paid credit monitoring service features. 

I was charged XXXX by TransUnion twice, first on XXXX XX/XX/2021 and then again on XXXX XX/XX/2021 before I recognized the new charges on my credit card and called in to talk to their customer support representatives. I was able to get the service canceled on their end but could not get a refund. 

TransUnion did provide a receipt to me via email on XXXX XX/XX/2021. However, they had sent me 5 emails on that day and I missed the receipt. My contention is that their sign up process for free locking/freezing of your credit port makes you sign up for their paid credit monitoring service and there was no clear checkout page, order confirmation page or anything that would be the norm for online checkouts that would indicate such a transaction has taken place.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 Navy Federal Credit Union denied me of credit. 

Federal law make it clear that a consumer can not be denied of a God given right. Banks dont have the power to lend money or credit. Banks function because of consumers. As a consumer I extend my credit to Navy Federal Credit Union and thats how they become a creditor. Im at the Original Creditor. Banks are corporations/corps mean it is a dead entity, banks cant talk, banks are powerless. I am the natural person. I have the power. Navy Federal Credit Union violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX XXXX Balance : {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage. I am very disappointed EXPERIAN allowed this to happen. They should have notice that the accounts were the same with the difference of {$1.00}.
Product: Credit reporting or other personal consumer reports

All companies that are reporting to my consumer report are continuing to report nonpublic information to my credit report. I have already sent each company opt out letters which stated that I am opting out of anything being reported to my credit report that I do not agree to have reported. According to the FCRA and the Privacy of 1974, I have the right to make sure my PRIVATE information isn't shared with any credit reporting agency or its affiliates. I have never given them written, non-verbal, verbal or implied consent to report any of my nonpublic information to the Consumer Reporting agencies. 15 UCS 6802 states that A financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. I've also sent letters to Experian, XXXX and XXXX and revoked any consent to furnish any information to my consumer report that I do not agree to have furnished. According to 12 CFR 1022.3, the definition of Identity theft, which means a fraud committed or attempted by using the identifying information of another person without their AUTHORITY, this matter could also be identified as IDENTITY THEFT because i never gave them any authority to do so. There reporting has severely impacted my credit score and I would like to be fully compensated for this.
Product: Debt collection

I have an unknown derogatory mark on my cerdit report .... I am unaware of this debit .... I have not done business with this company .... I have not received any letters .... this company has shown has a collector for XX/XX/XXXX .... I have not been notified! I have not done business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act the list of accuracy below has violated my federally protected consumers rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX5 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C 1681c states no consumer agency reporting may make any consumer reporting containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On XX/XX/2019 I cancelled service with XXXX and paid my final bill. After cancellation, I continued to receive a bill for service I no longer had. Now this company has sent my account to collections and has reported to credit bureau for an amount they are fraudulently trying to collect on.
Product: Debt collection

I received a debt validation letter from Zwicker & associates on XX/XX/2022 with a date on it XX/XX/2022. I called them on same day XX/XX/2022 telling them I am responding to the letter and they tried to collect on the debt before the 30 days and threaten for litigation if I did not comply. I was contacted again on XX/XX/2022 @ XXXX. I returned the call and stated if they sent anything out in response to my debt validation letter. They stated the sent out on XX/XX/2022, I have not received anything in the mail for Zwicker & associate. I stated to the debt collector that I haven't received anything in the mail and they emediately became agressive, I stated I sent my response by certified mail that they obviously received the response and the debt collector at Zwicker & associates denied it and threaten for litigation and stated my account was in review for litigation, that he will forward the account to an attorney at Zwicker & associates. It's been 30 days and they did not respond to my request. I feel harassed and extorted for payment without proof of debt ownership. They also stated both times I was contacted by 2 different debt collectors at Zwicker & associates that they were hired to collect debt on behalf of original creditor, a creditor that charge-off the account as bad debt and is on my credit report as a charge-off bad debt. I need proof of contract with the original creditor. If Zwicker & associates can not provide requested information on my response letter then they need to stop trying to collect debt they aren't legally able too.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, Sent a letter to XXXX, XXXX, XXXX, And Transunion informing them the information they are report to my consumer report is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the Experian credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time. 
The personal information appears with different names and I want it to be placed as stipulated by law, the same one that has the social security card which is XXXX XXXX and the address XXXX XXXX XXXX XXXX Florida XXXX. 
I want a true score considering that no late payments were made. 
In the credit report I have student loan accounts with the company XXXX  # XXXX {$4500.00} and {$3500.00}, other accounts XXXX XXXX {$3500.00}, {$5300.00}. This account is not yet authorized to charge and I want them to be removed and appear when authorized. 

Thanks for your help and justice
Product: Credit card or prepaid card

I received my bill on or about XX/XX/2020. The amount of the bill was {$51.00} with a {$28.00} minimum payment and was informed that I had cash back credit of approximately {$53.00}. I paid {$20.00} on XX/XX/2020 and assumed the cash back would cover the rest. I made a {$40.00} payment around XX/XX/2020. I was charged {$30.00} for late payment on my next bill dated XX/XX/2020. My complaint is, given my balance and the cash back credit, the late fee was excessive and the minimum payment was excessive. The late fee was almost the amount of the balance and the minimum payment was more than one half of what was owed. When I contacted customer service they were more concerned with my anger than resolving my issue and refused to answer my request as to how the fee and minimum payment were computed. I could not locate a person in Synchrony Bank that I could speak to regarding their policies.
Product: Credit card

On XXXX XXXX, 2015 I received a letter from American Express Co XXXX AE XXXX. dated XXXX XXXX, 2015. The letter states " A merchant where you used your AE Card detected unauthorized access to its data files. '' I called AE to inquire as to what merchant was involved and when the breach was found, but AE told me they were not given that information, so we closed the account. I believe that AE, and all credit card companies, should receive full details of data breaches and be allowed to pass that information along to affected card holders so they may be better aware of impacts to their personal credit and identity theft. I also believe that withholding this information is not in the publics interest and serves the criminals by allowing them to operate in the dark. I ask that you, or AE, provide me with full disclosure of this data breach. Thank you for your time.
Product: Consumer Loan

I have a loan with Hyundai Motor Finance for a XXXX Hyundai. The loan became mature in XX/XX/XXXX, however because of financial difficulties through out the year, I had to have payments deferred to the back of the loan. I am now making those deferred payments each month, but the finance company calls demanding the payments in full which I can not do, I have to make one payment at a time and there is a contract signed with them showing this for me. I have told them not to call my home, but they call anyway. I am tired of explaining to them every time I speak with them that I have their permission to make singular payments, I do n't need to harassed by them when I am 2 weeks late with a payment. I 'm doing the best I can. I have a XXXX wife to care for and XXXX income to work with. This is outrageous that they use threats and bullying tactics to try to get their money.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bank, and other financial institutions. 

# # Demand for Immediate Account Deletion XXXX has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that XXXX and Experian immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. 

# # Investigation of FraudulenXXXX Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : 1. The failure of these financial institutions to issue required 1099-C forms for allegedly canceled debts. 
2. The continued reporting of these accounts despite the lack of proper documentation.

3. The sudden deletion of these accounts when pressed for 1099-C records.

# # Demands for Immediate Action 1. Delete all accounts that have been removed from my XXXX report from your records within 5 business days. 
2. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts. 
3. Initiate an investigation into the reporting practices of XXXX  XXXX XXXX, XXXX XXXX, XXXX Bank XXXX and other involved institutions. 
4. Provide written confirmation of these actions within 10 business days. 

# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX 's actions, may constitute : 1. Negligent or willful noncompliance with the FCRA 2. Complicity in the financial institutions ' fraudulent practices XXXX. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) 2. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees 3. Seeking punitive damages for willful noncompliance The deletion of these accounts by XXXX confirms the validity of my claims. Your immediate action is not just expected, but required by law. 

Sincerely, XXXX XXXX XXXX