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

I was using my XXXX XXXX XXXX XXXX to pay for my rent on XX/XX/2023. I paid back my statement balance early from my previous month ( XXXX ) on XX/XX/2023 to ensure my rent payment can go through. However, after several days, I got a notice from my landlord building saying that my rent ( check ) got returned by Wells Fargo ( the bank that issued the credit card ) on XX/XX/2023 and I got charged {$470.00} late fees because of the returned check. I did not get any notifications from XXXX or Wells Fargo about the insufficient fund ( insufficient credit limit ) on my account before XX/XX/2023 ( which is the date that my landlord 's grace period ends for rent payment ). 

What's more, I paid back my previous statement balance on XX/XX/2023 and thus my credit limit is well above my credit limit. As a result, I contacted both XXXX and Wells Fargo asking them the reason my rent payment got returned and they keep saying that I have insufficient funds ( credit limit ) on my account which makes no sense. The customer service representative hung up on me after arguing with me for over an hour on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously asked for this account that was fraudulently obtain in my name this company XXXXXXXX XXXX is destroying my credit and my life I use my credit for everything. I went to police department to obtain a Police report and I also fill out transunion identity theft affidavit I got the police department to sign it and i also got it notarized please help me settling this account Thanks again.
Product: Credit card or prepaid card

American Express Credit Card - Standard monthly payment on the XXXX of every month - On the XX/XX/XXXX, multiple fraudulent payments to balance were attempted. Amounts were : {$4500.00}, {$4500.00}, {$3200.00}, {$4000.00} - Amounts did not clear my bank, and were sent back as return payments. 

- As a result of 4 return payments, credit limit was lowered from {$12000.00} to {$7700.00} - Additional fraudulent payment of {$7500.00} was scheduled on the XX/XX/XXXX, but was canceled ahead of time by me. 

- Fraudulent bank account was added to my account on XX/XX/XXXX - Called on the XX/XX/XXXX to American Express, assured by agent that the payments ( then unknown as fraudulent ) were not actually taken out. No other resolution - On XX/XX/XXXX after receiving notification of additional {$7500.00} scheduled fraudulent payment, called 4 separate departments to American Express, who helped me figure out the payments could be fraudulent in order to gain access to the immediate credit on my account following a payment. They gave me two options to attempt to restore my credit limit : - Submit proof of wage documents to start a credit limit raise application, told by Customer Service that this was likely to be denied due to credit score and outstanding debt -Pay a sum of around {$3800.00} by XX/XX/XXXX, which was the difference between my previous credit limit and my newly lowered limit -Passwords and information changed securely on the XX/XX/XXXX. Do not believe fraudulent activity will continue
Product: Debt collection

Several years ago I had a credit card which my fiance ' ( at the time ) used without my permission. I had tried several times to make arrangements with the original credit card company for payments that I could afford which were declined so I let the debt go so to speak -- Now a different company ( who purchased the debt ) has been calling my employer -- I contacted them and asked them NOT to but they continue. I also requested that they send me a copy of the debt ( because the amount they say I owe is NOT the same as the amount I was told before ). I also asked for payment arrangements in writing and the rep ( XXXX XXXX ) told me NO WAY -- they will NOT send anything in writing and that I would need to provide them with my checking account information for direct withdrawals. I am now filing a complaint because of the fact that they will not stop calling my employer and that they refuse to provide me any information in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to discuss a reinsertion issue with Transunion. I disputed a XXXX XXXX account on my consumer report due to it being inaccurate information and fraudulent due to XXXX XXXX sharing this information without my consent. The account was deleted. I received a report from Transunion recently stating that the account was added back to my consumer report. This account was added back without notifying me which is a violation pursuant to 15 USC 1681i. Also, how are you all going to delete an account and then re-insert it? Furthermore, when assessing my other two consumer reports, Transunion is the only one who has inaccurate information pertaining this account. I have attached the three accounts across the three reports so that you can analyze it for yourself. Per 15 USC 1681i, Transunion is required to report 100 % maxium possible accuracy. This is not accurate. Please delete or update this account.
Product: Debt collection

XX/XX/XXXX XXXX XXXX noticed that her employment wages were less than her hourly pay from an auto pay that goes to her utility company, so her account was showing as delinquent. XXXX XXXX contacted XXXX, the 3rd party payroll company for a job she started inXX/XX/XXXX, prior to excepting employment with XXXX, XXXX XXXX has maintained a few jobs with her stent of employment lasted 2 years. XXXX emailed XXXX XXXX a judgement for a court date in XXXX out of XXXX XXXX XXXX has been living in XXXX since XX/XX/XXXX. XXXX XXXX was not familiar with XXXX XXXX or Kahrs Law Offices and called the offices hoping the matter would be resolved quickly, since XXXX XXXX is a single income household and is unaware of a gym debt from XX/XX/XXXX, XXXX XXXX moved to XXXX in XX/XX/XXXX, with the paperwork proving so and would have had zero reason for a membership in XXXX  XXXX at Kahrs office ( I had to callback several times and " trick '' the automated system to get anyone to pick up ) XXXX advised me to fax over my ID, which I now realize was NOT a great idea because that was the last time that I 've been able to speak with anyone at Kahrs office. After almost 2 weeks, XXXX XXXX FINALLY received an answer from XXXX ( who also receives a FEE from the garnishment of XXXX XXXX ' wages ) stating that Kahrs will not be releasing her wages. XXXX XXXX requested that she receive ANY paperwork claiming this debt, XXXX XXXX was informed that Kahrs does not have to provide documentation because they received judgement by claiming they 've mailed a letter to an address that XXXX XXXX no longer lived at. XXXX XXXX was informed that that was all that was needed to receive a judgement to steal wages. XXXX XXXX called XXXX County Clerk to obtain court records and found SEVERAL errors on the " judgement '' paperwork that was submitted in court, there was a XXXX address that XXXX XXXX has never stayed, lived nor received mail at or been contacted at. XXXX XXXX  has stayed at 2 addresses in XXXX sinceXX/XX/XXXX and the apartments were in the same complex, so where and how did Kahrs office obtain ANOTHER address that XXXX XXXX did not reside at and claim to be trying to " make contact '' to collect? The name of the company that XXXX XXXX recently started at inXX/XX/XXXX, was spelled incorrectly and how did Kahrs find an address that XXXX XXXX had only been at for roughly 2 months and garnish a large amount with no warning nor contact but could not find XXXX XXXX at an address that she lived at fromXX/XX/XXXX to XX/XX/XXXX? XXXX XXXX was also told that Kahrs had a photo id of her and a signed contract, surprisingly ... this information materialized after Khars office requested a photo ID. It is nowXX/XX/XXXXand XXXX XXXX can not afford an attorney in Oklahoma and Kansas ( which she has to obtain or file bankruptcy or quit a job she just startedXX/XX/XXXX, she is told that is the only way she will be able to protect her income from Kahrs office, whom she does not owe debt too. )
Product: Checking or savings account

I was sent a warning from XXXX XXXX XXXX, which I contacted, about that an account was opened in my name. 

On On XX/XX/2023, I received an email from XXXX, with the subject : We Could Not Fund Your New Account ( s ). I seems that this is unfunded account. 

I did not open an account with Citizens Bank, so I'm assuming someone tried to open an account in my name. 

I called Citizens Bank ( Citizens Financial Group ), but I'm hesitant to provide them with my SSN as requested. 

So I'm not sure if this account is open.
Product: Credit card

I am receiving repeated phone calls from a man claiming to be with Experian. He said he could make all of my interest rates on all of my accounts become XXXX. I of course declined as this sounds crazy. The person has gotten very angry and will not stop calling from different numbers. He is threatening to have every single XXXX of my accounts shut down and has guaranteed me he can ensure I'm never given another credit line in my life. He says this is what I deserve for not listening to him.
Product: Debt collection

Afni collection agency is trying to collect the amount of {$440.00} from XXXX XXXX XXXX. XXXX failed to activate service and account was closed within 24 hours, failed to provide detailed for the bill and resolve the issue. XXXX supervisor of offshore billing office stated that " there nothing we could do as the bill sent to the collection agency, you have to contact them. '' Collection agency contacted issue was not resolved. 
I went to XXXX XXXX XXXX store back in XX/XX/XXXX to change my provider. I opened the account and left the store, when I got home I had no service, their representative did something wrong and failed to activate the service. Next day I went to the same store to close my account, XXXX XXXX XXXX representative confirmed that account is closed and I don't own anything. I wasn't getting any bills from XXXX. XX/XX/XXXX I received the letter from the collection agency Anfi that attached above. I went to the XXXX store in person, their representative failed to provide details for the bill, I still don't know what I was charge for if there was no service provided as activation failed, they could not even charge me for activation. XXXX representative was willing to help, he dialed billing department we explained the situation to supervisor of XXXX office XXXX, she stated that " there nothing I can do, as bill sent to the collection agency, you have to contact them. '' I contacted Afni collection agency, issue is not resolved as of today. XXXX sent " blank '' bill to the collection agency, as service never was provided, they failed activation, account was closed within 24 hr.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account completely from my Credit Reports : XXXX XXXX XXXX XXXX
Product: Student loan

I am writing to express my dissatisfaction with American Education Services. I have been out of college since XX/XX/XXXX and have been making monthly loan payments since my deferment ended in XX/XX/XXXX. Never once have I been late with a payment. Additionally, I have a steady job as a high school teacher and adjunct professor in conjunction with great credit. However, every couple of months the interest on these loans increase. I have called American Education Services several times to discuss this issue, but they claim there is nothing that they can do. If the interest continues to increase every couple of months as it has been for the past year, I 'm afraid I will no longer be able to afford my monthly payments. Also, because the interest is so high, I have barely made a dent in paying off my remaining debt. According to my last statement, I have paid a total of {$7600.00}. However, {$5300.00} went towards the interest. That is just unfair. This is a pattern that I do not see ending, and it must. Otherwise, I will drown completely in debt along with many other college graduates. American Education Services must be stopped from committing such highway robbery. It is with great hope that CFPB will take action against American Education Services in order to allow college grads the opportunity to live debt-free.
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. 
ACCOUNTS 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: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After opening a secured credit card with Bank of America, I was informed that my account had been " charged off '' after being just 30 days late. Since being originally notified of this, I have attempted 8 times to get accuate information reported on my XXXX, XXXX, and XXXX  reports. 
1 ) Problem # 1 : the amount reported was {$460.00} which was incorrect as I deposited {$300.00} to secure the credit ; this was updated.

2 ) Problem # 2 : never being told what a charge-off meant and only that my account had been closed, I did not know what my options were ; then, I received an offer of settlement letter for {$120.00}.

3 ) After contacting Bank of America re : the settlement, I decided to instead pay the full amount with the assumption that the account would be marked as Paid and Closed.

4 ) Since then, BofA has submitted 8 contradictory reports of this event and none of the agencies found the contradictory info alarming.

5 ) Account Status has been listed as everything from Paid, Closed, Charge-Off, to Open 6 ) The data of the Charge-Off has changed from XX/XX/XXXX ( date of 30 day delinquency at which point account was closed ) to XXXX - XX/XX/XXXX to XX/XX/XXXX to being removed altogether for a 30 day mark in XX/XX/XXXX. 
7 ) The paid in full date of XX/XX/XXXX has been reported, but than changed to Charge-Off, Failed to Pay, and CLS 8 ) Status has continuously stated Account written off for {$460.00} when highest balance was {$160.00} and paid.

9 ) Comments continuously state account closed by creditor when it was closed after payment.

The lack of accountability and the fact that in a situation where a creditor provides different contradicting data 8x the consumer does not get the benefit of the doubt is troubling. 

This acount never reached 180 days late as required for a Charge-Off, I paid the full debt once notified of the option, and yet I still have a damaging notation on all my reports. This should be completely removed at this point, or at minimum changed to : 1. XX/XX/XXXX - 30 Days Late 2. XX/XX/XXXX - Paid in Full ; CLS 3. Status : Pays as Agreed ; Paid, was past due 30 days
Product: Credit reporting or other personal consumer reports

To whom it may concern ( XXXX, TransUnion ) This letter is in reference to ( account # XXXX ) for services provided to ( XXXX XXXX XXXX ) on ( XX/XX/XXXXXXXX  ) In regard to the bill on this account in the amount of : ( {$280.00} ). 
Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and ( name of your State 's Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security means, with respect to unsecured HIPPA Law and PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of ( collection agency name ). Please note that the effective date for commencing enforcement of penalties against you for any vicarious liability is XX/XX/XXXX. 
( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is in violation and inaccurate. Remove this account account immediately within four business days or I will not hesitate to file a lawsuit for being in violation.
Product: Credit card or prepaid card

I applied and was approved for a XXXX XXXX XXXX XXXX with a signup bonus of XXXX bonus points after spending {$2000.00} within 3 months with the card. I spent well over {$2000.00} in less than 2 months and i did not receive any bonus miles. i have never had this card prior to recently being approved, and according to American Express terms I am allowed one sign on bonus per card per lifetime. I called several times over thee course of 3 months and received no help, I was told there was a pop up telling me i would not be eligible for the sign up bonus but i explained to them several times i never encountered that pop up/ page. After it became apparent Amex would not uphold their original agreement i downgraded the card.
Product: Credit reporting or other personal consumer reports

For the last 2 weeks, I have been trying to speak to a live person at Experian since I have been unable to login successfully to my account. I have sent them 6 emails, as well as a PM through XXXX. I called the corporate office only to be told that there is no one to help me. I asked to speak with the VP of Customer Service, and they left me on hold. All I need is to speak with a tech support person. When I try to login, Experian is supposed to send a text for the 2 step verification which I never get.
Product: Credit reporting or other personal consumer reports

I do not recognize debt to NCB. As of 15 USC 1681 validation of debt and 15 USC 1692 NCB has to show original debt agreement documents and my signature in agreement of debt with NCB.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, I have not signed any document authorizing SAFCO CREDIT COMPANY to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I don't recognize the inquiry : Creditor Name : SAFCO Inquiry Date:XXXX The above inquiry is unauthorized and is hurting my credit and is prohibiting me to get approved for a home I am trying to purchase.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally request your assistance in removing fraudulent accounts from my credit report that were opened and/or incurred as a result of my experience as a victim of XXXX XXXX. During the time I was under duress, I had no control over my personal information, including my financial records. Several accounts were fraudulently opened and misused without my consent, leading to significant harm to my credit profile. This request was sent to the credit agencies and they have failed to honor my request which is a direct violation of 15 U.S.C. 1681c3.

The attached documentation provides evidence of my situation and supports my request for the removal of these accounts in accordance with the protections offered to human trafficking survivors under the XXXX XXXX Survivors Relief Act and the Debt Bondage Repair Act. These laws empower survivors to repair their financial standing by allowing the removal of adverse credit information directly linked to their exploitation. 

The following accounts are directly associated with my trafficking situation and require removal : XXXX. XXXX XXXX XXXX / XXXX [ Result of HT ] XXXX. XXXX XXXX XXXX XXXX  / XXXX [ Result of HT ] XXXX. XXXX XXXX XXXX / XXXX [ Result of HT ] XXXX. XXXX XXXX XXXX XXXX  / XXXX [ Result of HT ] XXXX. XXXX XXXX/ XXXX [ Result of HT ] XXXX. XXXX XXXX/ XXXX [ Result of HT ] XXXX. XXXX XXXX XXXX XXXX  / XXXX [ Result of HT ] XXXX. XXXX XXXX XXXX/ XXXX [ Result of HT ] XXXX. Pennsylvania XXXX XXXX XXXX XXXX ( XXXX )/ XXXX [ Result of HT ] Attached Documentation : 1. A self-attestation letter outlining my experience and detailing the impact on my financial situation.

2. A letter from Light House Advocates, confirming my involvement in a trafficking situation and supporting my claims.

The Debt Bondage Repair Act provides explicit guidance and rights for survivors of trafficking to remove fraudulent debts and credit entries resulting from their exploitation. Under these provisions, I respectfully request the removal of these accounts, and any adverse credit information associated with them from my credit file. 

This action is vital for my financial recovery and ensures that my credit report reflects my current and accurate financial circumstances. Please let me know if additional information is required to process my request. I deeply appreciate your support in resolving this matter and look forward to your response. 

Thank you for your attention and assistance. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Stall Letters Dear TransUnion, I am writing to formally request that you cease sending me stall letters regarding my credit report. As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a maximum of 30 days to complete their investigations. 

If I receive another stall letter in the mail, I will be forced to take legal action. Please ensure that my requests are handled promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. 

Sincerely