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

I want to dispute to my credit card provider PNC Bank the amount of {$100.00} for late fee and interest charges in my account. 
I signed up automated payments to avoid paying late fees and interest charges. 
My total balance was withdrawn from my checking account every month. 
PNC Bank mailed me a new card with a new number and new security code, the customer service representative told me that my balance in my card ending XXXX will be transferred to the new one, but never mentioned that I'll have to enroll the new PNC credit card in automatic payment again. 
I spoke with XXXX XXXX PNC customer service supervisor today XX/XX/XXXX but he refused to remove these charges
Product: Credit card or prepaid card

A Care Credit/Synchrony Bank Card was opened in my name without my permission on XX/XX/XXXX and used a XXXX  XXXX  of XXXX XXXX, FL, totalling $ XXXXSynchrony bank notified me on XX/XX/XXXX due to payments not being made. I requested the account be closed XX/XX/XXXX due to fraud. However, Care Credit/Synchrony continued to take payments from my bank account. An additional call to the Care Credit/Synchrony fraud department was made on on XX/XX/XXXX to close the account, but payments were again being taken out of my bank account without my authorization. I filed 3 fraud reports with Care Credit and each claim was denied, claiming I benefited from the card. However, I never opened the card or used it for XXXX  services.I receive XXXX  services through my employer and therefore would have no reason to open this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. DISCOVER BANK XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX are all reporting inaccurate information to present and future potential creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been previous issues involving Bank XXXX XXXX XXXX " Bill Pay '' and XXXX XXXX and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

XXXX tells me the collection dept made attempts to collect $ XXXX and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX since opening the line of credit.
Product: Credit card

You closed my previous complaint against Apple Card ( XXXX ) without even giving me a chance to respond, which is incredibly rude. I never said that I did not conduct the courses, and I never said that I did not receive a certificate. In fact, I could create a website right now and issue courses and certificates as well. Does that make me a legitimate ACCREDITED institution? This is my argument, and it has been all along. I found this website online and it looked like a good way to earn my XXXX XXXXXXXX XXXX XXXX XXXX, however my company does not accept the " piece of paper '' that is being pawned off as a certificate because it is not from an ACCREDITED institution. As in, most XXXX courses are held at nationally or regionally accredited colleges and require green belt and black belt projects. This website offers none of this. It's a certificate mill. It is part of the greater fool theory. 

If Apple Card and the CFPB is not intelligent enough to understand my argument of accreditation, then I will need to escalate to legal means. As I am one of the four primary plaintiffs suing XXXX XXXX and XXXX XXXX XXXX XXXX at the moment for $ XXXX, I have no problem doing that. It seems quite petty that I can not get a {$500.00} BS charge removed. Pretty low-end for someone with a seven-figure net worth to even be dealing with, but I will not be paying it at all out of the principal of the matter. What do I need a credit score for?
Product: Credit reporting or other personal consumer reports

The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent. 

Wells Fargo Central Region ( I have NEVER had an account with this institution ) : disclosed/reported 2 ACH transactions on XXXX XXXX  report. 

This is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. 

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : XXXX My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing.

408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.

408.682 Customer authorization required.

408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX XXXX whom I trusted. I also have an account with another XXXX XXXX that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXX Balance : {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : # XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXXXXXX XXXX  : # XXXX These creditors have violated my rights. 

15 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I'm going back on my credit report I noticed usual use of my credit report. Someone has used my credit for information that does not tan towards me. Some of the information with accounts reporting on my has be used that was not authorized by me. 


These accounts have been included on my FTC Fraud Affidavit XXXXXXXX XXXX XXXX presented by my local police department 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

Hello, After the XXXX  data breach, I used the XXXX  website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, XX/XX/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, XXXX, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX - {$5.00}, XXXX - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!
Product: Student loan

I called last week to see if I could lower my payment. I work for a non-profit, will be eligible for PSLF in a couple of years and am paying monthly payments for my oldest in college. I was told when my student loans transferred to Navient, I would be put in the plan with the lowest monthly payment, since I qualify for IDR. 

The rep immediately told me, I was in the best IDR for me and my only option was forbearance. I informed her per StudentLoans.gov, I was eligible for several payment plans with lower monthly payments. She immediately told me I was eligible for said plan and I could lower my payment by {$200.00} a month. 

She then told me how to request this change. I submitted the paperwork on the same day. Today, I get communication I will be moved into a standard repayment plan and that my IDR Recertification can not be processed as it is too early. 

So I call, again, and am told I have to pay the {$5.00} processing fee to have my IDR plan changed. I asked the rep if I missed something in the online process to pay this fee. No, I have to call into do it even though I agreed to the fee online. 

It is evident Navient is not working in the best interest of borrowers like me. 

I have struggled to pay my student loans for years and am committed to doing so, but I do not have a partner in my loan provider who will support my success. These are shameful and predatory business practices. Navient should correct my last 5+ years of payments to the lowest amount I should have paid in the IDR and apply the difference to my principal. Or advance my payments so I am eligible for PSLF sooner.
Product: Credit card

I send proof that my accounts were compromised after I received a work from home job that turned out to be a scam. I called the police at the actual bank the day this happened and they closed all accounts except this one and I hadnt used the card. I provided proof and documentation.
Product: Credit card

What happened? 

I am filing this complaint because Capital One has arbitrarily closed two of my credit card accounts without prior notice or sufficient justification. These closures have negatively impacted my credit score and financial stability. I believe this action violates my rights under several consumer protection laws. 

USC Codes and CFRs Applicable : 15 U.S.C. 1691 ( Equal Credit Opportunity Act ) 15 U.S.C. 1601 ( Consumer Credit Protection Act ) 12 CFR Part 1002 ( Regulation B ) 12 U.S.C. 1431
Product: Money transfer, virtual currency, or money service

My Sister Was Under Age And Using Me As A Guardian For Her Cash App My Account Is Locked For Whatever Reason And She Had Money On It And I Use My Cash App To Get And Send Money And I Cant Do ThatAnd It Has Almost Been A Month No One Has Contacted Me Or Nothing Yet Why Is It Taking They So Long .People Have Lives And Bills They Have To Take Care Of Im Very Mad
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that need to delete in my personal file : XXXX XXXXXXXX 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

There are 4 unauthorized hard inquiries reporting on my Transunion and XXXX XXXX reports from : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Product: Mortgage

I called LoanDepot at XXXX on XX/XX/2022. I called from my mobile number XXXX. 

I called for general information and stated multiple times I did not want a hard inquiry and they still ran a hard inquiry on my credit. 

The representatives name was XXXX XXXX XXXX XXXX
Product: Prepaid card

I received a gift card for American Express for {$50.00}. It works no where. In store or online. I have called the number on the card and they just say try it some more or hang up on me. It's very embarrassing. It shows active and {$50.00} available but it will not work anywhere. My mother is out of money for a gift she bought and it can't be used. XXXX XXXX XXXX XXXX XX/XX/32 XXXX XXXX
Product: Vehicle loan or lease

I surrendered my car two years ago because of hardship. I could not keep up with the payments..I really believe that the vehicle was way over priced. I needed it because the one i had prior from the same dealership had computer problems, that could not be remedied. So i needed another vehicle for work at that time. After getting the vehicle i looked at the " blue book '' value and realized that i was charged {$15000.00} dollars more then the car was worth and payments almost {$500.00} a month + insurance. So when i could no longer work because of health issues. Which I relayed to the lender. And was put on a payment plan.I found myself struggling to survive. I am on XXXX now. I received a letter from XXXX XXXX XXXX with an offer to pay 25 % of the debt. I called and was told i would have to pay it off in 3 month. When i called back. I got another irate representative that told me that i could not pay what i had agreed on. I ask why,,, she demanded that i pay the whole amount. Because of my XXXX i can't afford to go back and forth with this. I need help.
Product: Debt collection

I made an agreement with Macy 's, back in XX/XX/XXXX, to keep a couch that the material was defective, and they would give me a credit of {$550.00}. This appeared on my credit card statement, but on XX/XX/XXXX, I received a check for this amount under my husband 's name. My husband passed away on XX/XX/XXXX, therefore I could not cash the check due to the fact that I no longer had a checking account with him. I called Macy 's and was told that the account was joint and that I was entitled to a new check. That is when the trouble started! They credited my Macy 's credit card with the {$550.00}, on XX/XX/XXXX. The next statement I received it showed that I owed {$550.00}. I have spoken to multiple people even sent multiple certified letters to the Citibank, which is the bank that issued the credit card. A year later I still have not been able to resolve this issue. I just spoke to someone at the Citibank office and was told there was a resolution and it went to the banks side, I asked what does that mean? I was told that I owe that money! I was never contacted about this so called " RESOLUTION '' I am at the end of my rope I ca n't speak to anyone that knows anything. And at this point I do n't want the money, I want this issue cleared and close my account with Macy 's. I have an excellent credit score and this is not helping me. I need for someone to please help me!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information.

The account in question is as follows : 1. Account Name : [ XXXX XXXX ] Date Listed : [ XXXX XXXX, XXXX 2. Account Name : XXXX Date Listed : XX/XX/XXXX The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action.

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Debt collection

called multiple times last call today XX/XX/2021 today at XXXX request itemized statement was told one was already sent but i never receive one but was told they cant send another one, im just asking for one but was told no no no we cant send another.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXXXXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXXXXXX XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. XXXX. The source of the inquiry. XXXX. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. XXXX. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.