23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reading and understanding my federal rights as a consumer. The FDCPA intends to secure consumer right to privacy, and protect consumers from the use of abusive, deceptive, and unfairdebtcollection practices bydebtcollectors. I believe there is abundant evidence that proves Discover Card has been participating in abusive, deceptive, and unfair debt collection practices. I'm requesting that discover card please deliver a notice of debt pursuant to 15 USC 1692g including the material disclosure required under Truth in Lending. Federal Law requires a debt collector to send notice of debt within 30 days of receipt of the dispute.
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice discovery has been running credit inquires every month and every week since the year 2022. I never have or applied for a discovery credit card. I called discovery they said no open account is open on their end. They ran my social to confirm. They inform me to contact you guys.
Product: Mortgage

Currently in a VA loan assumption with them. It's VA to VA and we were already pre-approved with XXXX bank for a VA loan. We have no debt, high income, VA to Va... .should be easy right? Nope. XXXX  days in and no sense of urgency, broken promises on timelines, and barely respond. We are going to be homeless at the end of the month since our rental will be done. I thought this bank put veterans first. The seller also has government orders to leave and the house can't be sold bec of this company. 
Will update if the process gets better.
Product: Debt collection

I accepted a job offer that was posted on XXXX. My employer sent me a check in mail to purchase various office equipment via the XX/XX/XXXXI was told to inform him of when I got the check, so that he could give me the information to make the purchases. I recieved the check, deposited it into my account, and recieved email confirmation from my bank the funds were in my account. I informed my employer, he sent me the information to purchase the funds, and I did so. I a couple days later my account was over drawn from the purchases. I contacted my bank immediately and informed them of what happened. I provided documentation that I received from him, as well as all of the text messages he and I had sent to each other. My bank said that they were going to conduct there own investigation and would notify of there findings. I also went to the police and got in contact with a detective who was put on my case and was given a case number. After about three weeks my bank declared that it was indeed a fraudulent check that had been given to me, but they told me that I was responsible for said check, even there system deemed the check as good, when they released the funds into my account. My bank has been trying to hold me responsible for the negative balance, which I think is ridiculous. They have also frozen one of my accounts that has around {$550.00} in it that I can not access. This has been on going since XXXX of 2020. My hope is that you will help me hold USAA the bank in question responsible for clearing a bad check, and for releasing funds that are rightfully mine. I can provide all documentation that confirms my story.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of purchasing a house and I can not due to Transunion and XXXX 's inaccurate and erroneous reporting of accounts on my credit file. I have been trying for over a year to get them to investigate these items and they don't conduct a proper investigation and provided proof they actually have investigated these items. If all three credit reporting agencies have access to the same information how can my reports each be different? XXXX seems to be the only credit reporting agency that seems to follow the FCRA and cares about accurate reporting. This is my last attempt before legal action is taken. 

Please see attached letter and provide all items requested. If all items can't be provided these items need to be deleted immediately.
Product: Credit card

Dear CFPB, I am writing to express my concerns regarding a deferred-interest arrangement associated with my Wells Fargo Credit Card which was used for purchasing closets from closetsbydesign loan. I believe that the terms and conditions related to deferred interest have not been adequately disclosed or have been misleading. 

Here are the details of my situation : Account Information : Name of Financial Institution : Wells Fargo Issue : Interest of {$5400.00} on Balance of {$5200.00} I was not aware that interest would be retroactively applied if the balance is not paid in full by the promotional periods end. I request clear disclosure of the deferred-interest terms and a fair resolution to this matter. 

I kindly request that the CFPB investigate this matter and take appropriate action. As a consumer, I believe in fair and transparent practices, and I hope that my complaint will contribute to improving industry standards. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/2020 we started getting email about COVID-19 relief from Wells Fargo, regarding mortgage assistance. I sent them an email for more information. In XX/XX/2020, I tried to pay my house note on the WF app, as I have always done. The app advised me that I did not have an active account, thats when we called to make the payment. We were told that our loan was in forbearance and we could make a payment, but it would not post to the loan until after the forbearance period was over. We called in XXXX, XXXX and XXXX. We made another call to WF on XX/XX/XXXX and were told that the forbearance period ended XX/XX/2020 and would be off our record, as long as we started paying our payments on XX/XX/2020. We paid the note on XX/XX/2020, it has cleared the bank. We are currently filing for divorce and I am going to refinance the house in my name. We waited until the payment cleared the bank to submit the application for refinance, that is when I was told that WF still  shows us in forbearance, the payoff letter also shows them charging close to {$3000.00} in interest for past due payments. We were told that there would be nothing negative on our credit report ( untrue ) and no negative repercussions, that would affect us ( untrue ). On XX/XX/2020, we told them that we declined another 3 months of forbearance ( twice ) and that we were filing for divorce and needed to be able to refinance the house. They responded that after the XXXX note was processed, it would not show the forbearance at all, they also said that the payments from XXXX, XXXX and XXXX would be moved to the back of the loan. There was no discussion of having to pay it in full to remove the forbearance, this was brought to my attention today. I have made a case with WF.
Product: Debt collection

I faced some financial difficulties after going through a very traumatic divorce. Due to exigent circumstances, I had to stop paying my XXXX XXXX XXXX and XXXX XXXX XXXX, both owned by XXXX XXXX. Portfolio Recovery not only sent me numerous letters but harassed me via telephone calls daily trying to collect on the debt including calling during my work hours and on both my cell and work numbers. If I was available, I would answer their call. I also contacted Portfolio Recovery on numerous occasions ( some dates I documented and some I didn't ), explained my situation, and offered to settle the debt for what I was able to afford. My offers were declined every time even though I explained that I had taken a loan from my retirement account to pay what I could afford of the XXXX balances. XXXX XXXX XXXX had already gone bankrupt but Portfolio Recovery would not entertain my offers. I was so desperate that I contacted attorney XXXX XXXX to file for bankruptcy. At the XXXX XXXX XXXX XXXX and XXXX were the only XXXX collections I had not been able to settle. XXXX XXXX counseled me to try to avoid bankruptcy and offered to send them letters to try to resolve the XXXX balances but Portfolio Recovery completely ignored. They reported both collections to the credit bureaus and that has affected my credit negatively. As a single mom, I am trying to rebuild my credit but due to Portfolio Recovery 's actions, I have been unable to bring up my credit score. I have been denied credit on several occasions because of that. I hereby request Portfolio Recovery removes the XXXX collections from my credit report as I have made continuous good-faith efforts to settle these debts and they have refused. 
I have attached Portfolio Recovery Collection Letters and Attorney XXXX XXXX 's Letters to Portfolio Recovery. 
XXXX  debt amount {$4700.00} - offered {$1500.00} XXXX XXXX XXXX debt amount {$2300.00} - offered {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card does not belong to me. I did not apply for this line of credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX, Experian and XXXX regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Product: Student loan

I attended XXXX XXXX  from XXXX to XXXX where I obtained a XXXX XXXX in XXXX XXXX and a XXXX  in XXXX XXXX. I was given predatory information regarding my student loans. I also younger and not very knowledgeable about finances. I took on the loans with high interest rates not knowing the impact it would have on me even after I retired. It is very difficult to survive in XXXX XXXX due to the high costs of living. I went to school when I was a single mother of XXXX children because I wanted a better life for my children and myself. Fast-forward to today and I owe a large amount in student loans. I was a public servant for over 40 years and I don't see any end in site. I also applied for the Public Service Loan Forgiveness but my status on the Education website still shows that I owe a lot of money. It is not only frustrating but confusing. I need help but keep getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has it out for me they ding my credit weekly someone there hates me or is out to get me I have a great credit report you can check into it I have no late pays many loans paid off with no late cards up to date paid many with no balance at all and yet I can charge maybe XXXX or XXXX dollars and my credit will go down XXXX points pay them of it goes back up XXXX point Im ready to get an attorney and sue some ones XXXX off
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have previously submitted my ID, proof of address and social security number. 

Disputed Information : Incorrect Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYERS : XXXX XXXX XXXX XXXX Documentation Sent : Identification, proof of address, social security number. 
Legal Foundations : According to the Fair Credit Reporting Act ( FCRA ) : Section 609 : I have the right to request verification of inaccurate information. Section 611 : Adequate investigation of disputed information is required. I have not received a satisfactory response. Charge off : I am contacting you to file a formal dispute regarding several charge offs reported on my credit report. This communication seeks to rectify errors that seriously affect my credit history and that are contrary to applicable laws. Legal Foundations Fair Credit Reporting Act ( FCRA ) : Section 602 ( a ) : The information reported must be accurate and truthful. The charge offs in my report do not meet this standard, which represents a violation of my consumer rights. Section 609 : I have the right to request verification of any negative information. If they can not provide documentation to support these charge offs, they are required to remove them from my report. Section 611 : Credit bureaus must conduct a thorough investigation of any disputed information. Failure to provide an appropriate response constitutes a breach of this obligation. inquiries : I am contacting you to formally dispute several inquiries on my credit report. I request the immediate deletion of these records, as I do not acknowledge having given consent for their inclusion. Legal Foundations Fair Credit Reporting Act ( FCRA ) : Section 604 : Inquiries must be reported only if they have been conducted with my consent. I have no evidence of having authorized any of the inquiries in question, which means their inclusion is illegal. Section 609 : This section gives me the right to request verification of any information in my credit report. You are required to provide documentation that validates the authorization of these inquiries. Failure to respond to my verification request is a violation of my rights.Seccin 611 : 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 
Fair Debt Collection Practices Act ( FDCPA ) : Section 807 : It is illegal to report misleading information on my credit report. If charge offs are incorrect or unverifiable, their inclusion is a violation of the law.
Product: Checking or savings account

On XX/XX/XXXX, I tried to take {$300.00} out of my Business account XXXX from Bank of America XXXX XXXX was located at XXXX XXXX XXXX XXXX, and was flagged. I called to see what the problem was and was on the phone for over XXXX minutes. I then went into the bank and withdrew {$300.00} from the teller however the card was still flagged. I then spoke to the XXXX XXXX XXXX we went to the atm and withdrew {$40.00} but the card was still flagged. 
Upon that transaction, my balance was {$900.00} short. XXXX informed me that a {$300.00} credit would be returned to the account after midnight but the other {$600.00} was not seen as a credit yet. She said wait to until the end of the day so waited until the {$300.00} credit was returned. 
After I called the fraud department they insisted I file a dispute and was eligible for a temporary credit for XXXX within XXXX business days. On XX/XX/XXXX I spoke to a supervisor who told me I was not eligible for the credit and would not connect me to the fraud department and said he was the fraud department. I then called the fraud department and they told me I was not eligible for the credit and that they would have to send someone to check the machine which could take 90 days. I went back to the bank on XX/XX/XXXX XXXX and spoke to the branch XXXX XXXX XXXX who told me the atm people were there to pick up the money and if the money was over it would go back into the account. It is XX/XX/XXXX and no funds. I had to pay a bill and was able to XXXX it to the client. Sat the account was overdrawn and I was charged an overdraft fee I refused to put any money in the bank for fear I wouldn't withdraw it. 
I am mentally stressed and my business banking reputation is in jeopardy because of the history of overdrawn funds. This is not my fault and the there Atm caused the flag.
Product: Credit card or prepaid card

I am filing a complaint concerning a very misleading promotional mailer sent to me by Bank of America on XX/XX/XXXX, offering the opportunity for me to consolidate my debt and transfer any balances I have to my Bank of America XXXX XXXX  XXXX '' Visa Card. The letter offered two options ; either zero percent interest until XX/XX/XXXX ; ot 1.99 % interest until XX/XX/XXXX. The letter said, " Choose the offer that's right for you. '' It seemed like a good deal, and on XX/XX/XXXX, I decided to accept the offer of zero percent interest, using a check included in the mailer to transfer a balance of {$8400.00} that was on a different credit card. 

On XX/XX/XXXX, in reviewing current charges to my XXXX   XXXX credit card statement, I noticed that in addition to the balance transfer was a separate transaction fee of {$250.00}. Not understanding what this was for, I called Bank of America on XX/XX/XXXX, and spoke with a representative, who informed me that this was a 3 % fee that that bank charges for these balance transfers. 

The mailer that prompted me to accept this offer was very misleading and deliberately attempted to hide the fact that a 3 % fee would be charged. The mailer consisted of an offer letter on page one, followed by a page two that included the checks, and details of the promotional offer. 

The main promotional offer letter made no mention of the fee. It positioned the offer as " 0 % '' interest until XX/XX/XXXX. It said nothing of the 3 % charge. In reviewing it again after the incident, I did find on page two a single line mentioning the 3 % charge, but it was buried at the end of a legal description of other terms and conditions. At the very bottom on the letter, there was a box that listed general terms, and mentions the 3 % fee, but it is not clear this fee applies to this special promotion. 

I am generally an educated consumer. It was clear to me that Bank of America sought to mislead me and others. The reality was that this wasn't a zero percent offer as advertised at all. It was a 3 % offer. 

To date, despite repeated efforts, I have not been able to get Bank of America to waive the fee, or even agree to allow me to repay the {$8400.00} and reverse the transaction, something I would be happy to do. I request your intervention to secure a refund this fee, or the opportunity to reverse the transaction completely.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed a late payment on the account that was incorrectly documented because I was never late. The consumer reporting agencieshave assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the account that I have included screenshots to this complaint for XX/XX/23. Please investigate and provide proof with statements showing this payment as late. If unable to provide proof, I demand this payment information be Immediately updated to paid as agreed on time, as they should due to the fact that I was never late. Thank you, see screenshots attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not my accounts never had them all these inquiries was not made by me please delete. I contacted companies and they said contact the credit bureau I didn't notice until now XXXX XXXX Miscellaneous Individual XX/XX/XXXX XXXX XXXX Miscellaneous Individual XX/XX/XXXX XXXX/XXXX   Banks Individual XX/XX/XXXX XXXX/XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX  XXXX XXXX  Individual XX/XX/XXXX XXXX XXXX  Automotive Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX/XXXX  XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX  XXXX Finance / Personal Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank has 3 cards. I never had XXXX XXXX card XXXX  not mines XXXX   Finance / Personal Individual XX/XX/XXXX XXXX  XXXX XXXX   XXXX  Finance / Personal Individual XX/XX/XXXX XXXX XXXX  XXXX Automotive Individual XX/XX/XXXX XXXX   XXXX XXXX  Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX  Individual XX/XX/XXXX XXXX
Product: Credit reporting 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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b 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 that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry notifications on my credit report. 
on XX/XX/2023, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4.

1 was XXXX- XXXX XXXX was XXXX XXXX with no contact company information. 
1 was XXXX XXXX XXXX 1 was XXXX  XXXX XXXX XXXX
Product: Debt collection

I contacted States Recovery Systems when I saw medical collections pending.I gave them all they asked for including my social security number.They said they mailed details of their claim.I also gave them my email address. This has been over two weeks ago.They say in XXXX of 2013 I was taken by ambulance to XXXX XXXX XXXX. In addition I was treated for a XXXX.This never in my entire life has happened to me.