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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. 
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Debt collection

Pinnacle/XXXX is reporting to XXXX falsely as an original creditor when in fact they are a collection agency for XXXX. No where in the XXXX report does pinnacle state original creditor is XXXX. They have continued to verify disputes that I have opened with XXXX that they are the original creditor and they are not. XXXX is also reporting payment history, high balance and amount past due which a collection agency is not permitted to do. They also continue to say it 's XXXX doing it when in fact XXXX states pinnacle is reporting the debt this way. They also monthly change the amount owed on the account by XXXX dollar.
Product: Credit reporting or other personal consumer reports

Hello, After reviewing my credit report it is to my knowledge that my accounts listed below are not as fully accurate as they should be. By law of the FCRA any misinformation needs to be removed at my expense. 


XXXX XXXX XXXX XXXX  This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the open date, and the last active date are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX XXXX  This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date opened, the monthly payment, and the last date active are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date open, the last date active are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 


XXXX XXXX XXXX  This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date opened, the last date active are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX XXXX  This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date opened, the last active date are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX XXXX XXXX This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date opened, the date last active are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 


XXXX XXXX XXXX XXXX  This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date opened, the date last active are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX XXXX  This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date opened, the date last active are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX - XXXX This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date opened, the date last active are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX XXXX XXXX  This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date opened, the date last active are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX XXXX XXXX  This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date opened, the date last active are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX XXXX  This account is not showing maximum possible accuracy accounting to 12 USC 1681e ( b ), the date opened, the date last active are not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for MONTHS to get my credit in line with not much being accomplished. Creditors or Bureaus have nothing to gain by reporting the correct information. All 3 reports are different, stating different inquiries account open or closed and I actually GIVE UP. Ive done my best to get fixed what I thought I could but no one cares. Again, my credit doesnt affect them. Im done submitting, waiting, etc. You can close open disputes from me on any account with any bureau. I can only bang my head against a wall for so long. I guess Ill pay for any mistakes I made as a single parent with a son diagnosed with XXXX XXXX XXXX at a young age that set me back. Ill never recover from keeping him alive, but I did my job as a man raising a child alone. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The case no # XXXX-XXXX, I was not happy how things were handled with this case. It is amazing how one company can't call another to correct a billing problem.

The customer has to suffer and have headaches and have stomach problems. Best Buys and Citi Bank and XXXX XXXX can make a easy phone call to one another. When the customer has to get up and drive to the store and find some one to help her out and get this in writing on her own and spend money for a fax. I feel this is a tactic to keeping getting money from the customer. Yet, it was solved by me the customer, I doubt if I ever use geek squad or Best Buy again. Citi Bank I feel also play games.
Product: Payday loan, title loan, or personal loan

This company preys on hard working Americans. High interest rates ( almost 100 % ) I have asked for help several times, forbearance, deferral, lower rate, etc to no avail. During this time, My hours are low, income is low, and there is nothing they " can '' do. Now, my credit is bad because of them, and I do not have any options. They dont care, and I do not know what else to do. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has returned for a 3rd time with item remains from dispute although they were provided with documentation that the item from XXXX XXXX XXXX is reporting the Original Creditor incorrectly. I was advised today by the Experian Dispute Representative via phone that they do not require the company in dispute to provide to them any type of verification to them only to certify to them that the information is accurate. I find this process of dispute absurd! Why would an already shady company remove or update something in dispute if they do not have to provide any verification? It's like Experian is working in collusion with the creditors and big business instead of in defense of the consumer.
Product: Mortgage

I purchased a home in XXXX and in XXXX I was having issues paying my mortgage due to an injury and they set me up on a trial modification program. I made the three months payments and was waiting to hear from them on what the next step was. In the meantime, I decided to sell my home. I received a statement of account from XXXX indicating that I owed {$150000.00} on XXXX XXXX, XXXX. I sold my home on XXXX XXXX, XXXX. The end of XXXX the loan was acquired by Fay Servicing. Myself and the title company handling the closing of my sale had issues getting a payoff from Fay Serviving and on the morning of the closing they finally sent over a payoff of {$200000.00} ( without an explanation as to why the amount was so high. I had no choice but to continue with the sale and closing. I had already rented an apartment and moved and the new buyers were moving into the home that day. I have tired to obtain a a statement of account to explain the difference of {$47000.00} from Fay Servicing and I have never received anything. I am told that it will be sent to me. I have even received letters from them saying that I am behind on my mortgage and they can assist me. This loan was paid off in XXXX, XXXX. I need some assistance in getting this money refunded to me. I recently learned about CFPB and was hoping you can help me with getting the money refunded. I am not able to afford an attorney to file a lawsuit against them.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 XXXXXXXX
Product: Debt collection

NATIONWIDE RECOVERY SERVICE HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$190.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Product: Credit reporting

The following addresses have been disputed online and verbally. I have told them that these addresses are incorrect : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Product: Debt collection

I spoke with a person at the return number left. He said he was calling from MNS to perform asset confirmation for a XXXX XXXX. I do not know anyone by that name and he does not reside at my residence. I told him several times and then said that he needed to remove me from his list and I would file a complaint
Product: Credit reporting or other personal consumer reports

This company is in complete violation of my rights. I was never late on this account and it is reporting inaccurately. This company is reporting that in XX/XX/XXXX I was XXXX  days late. In XXXXXXXX XXXX XXXXXXXX, I was late 60 days. Then in XX/XX/XXXX, I was late XXXX  days. How can that b

e? I was never late on this account as I have it on automatic payments. Also, I have sent several letters for this company to update this account. Please update this to was never late. Paid as agreed. 

Account : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN DEALING WITH THESE ACCOUNTS THAT I DID NOT AUTHORIZE FOR SEVERAL MONTHS NOW AND THE CREDIT BUREAUS ARE STILL REPORTING THEM ON MY CREDIT REPORT.
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 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 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade commission and also have enclosed copies of the federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card

I bought ticket with XXXX XXXX amount XXXX XXXX on XX/XX/XXXX via Chase XXXX The ticket that I was charged is unable to return, but its possible to change date with the changed fee {$300.00}. At beginning, I just was going to change ticket, but I didnt know how to do it online, so I called their Customer Service and they told me if I need to change ticket I had to cancel original ticket first, they would give me the points, then I could use those points to buy new ticket and pay for exchanged fee & different fare, but when I cancelled ticket they didnt give a the points, I called back to them to ask then they told me that I must call them let them cancel ticket, not do by myself, but the main thing they didnt mention this to me so how I know? I feel I have been treated and they didn't do as their Customer Service said, so I made dispute charge. I made dispute with Chase Bank, at least 2 times I received Chase letters said my dispute already resolved but I was keep waiting but no charge was returned back to my account, I kept making few more claim letters with Chase since XX/XX/XXXX to XX/XX/XXXX then finally Chase rejected my dispute due " ticket policy is no return ''. 
This isn't correct, first thing, I didn't want to return, I wanted to change ticket date but their customer service didn't do as what they said, I felt not satisfied with this, so I made dispute, because it happened long time ago, so I don't have record for the date I talked to their Customer Service, Second thing, Why Chase Bank sent me letters said my dispute were resolved but finally they changed, what did they do before they send letter note to Customer, how come they can change completely
Product: Vehicle loan or lease

Hi, the consumer went in back in XX/XX/2020 for a consumer credit transaction with John Gibson Auto Sales. I went in going for a car and left with a debt. I was directed to pay a down payment of 2200 $ in cash and I had a deferred down payment of 500 $ to pay as well in a later date. On top of that my amount financed would be XXXX XXXX This was a violation of my consumer rights pursuant to 15 USC 1605 " the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '' This was also a violation of consumer rights pursuant to 15 USC 1605 " the finance charge does not include charges of type payable in a comparable cash transaction. They also violated my consumer rights pursuant to 12 CFR 1026.2 ( 18 ) " A deferred portion of a downpayment may be treated as part of the downpayment if it is payable not later than the due date of the second otherwise regularly scheduled payment and is NOT subjected to a finance charge. 

I have also have yet to receive any direction on how to receive any notice in regards to my right to recession. This is a violation of my consume rights pursuant to 15 USC 1635 ( a ) " the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and recession forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later. The creditor should also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
Product: Checking or savings account

Wells Fargo denied my fraud claim without explanation. There were several charges to a XXXX XXXX XXXX, atm withdrawals at the same place and everi charged from the same merchant. I notified Wells Fargo immediately after being discharged from the hospital. Wells Fargo never sent me text messages to ask if this was fraud. Never detected unusual activity while I was hospitalized the card was stolen. Wells Fargos policy is {$0.00} fraud liability. In the policy it states if you are hospitalized and cant report it right away they will extend when you can report it. Ive never visited this merchant nor did I make these withdrawals. Wells Fargo never temporarily credited my account. Wells Fargo cant provide me proof I made the transactions either. I never signed anything with this merchant and I didnt have the card I was sick in the hospital. I dont authorize these transactions. Wells Fargo goes against their own unauthorized policies. They waited till the 10th business day to deny the claim without explanation. Never called me to discuss the claim. I called this merchant and they dont have any proof it was me either because it wasnt and like I told them where is the proof then? No proof is available. Yet Wells Fargo doesnt take fraud seriously nor do they care for that matter. I dont authorize these withdrawals and I didnt receive anything from these transactions. Its redicules they say you authorized it when your hospitalized and had no way to authorize it. 
ATM/Debit/Prepaid Card Claim Reference Number XXXX RE : Debit Card XXXX Thank you for your patience in the time required to review your claim. We have completed our investigation of the claim regarding your Wells Fargo account XXXX. We have sent a detailed letter by mail. Please refer to the letter for more information. 
If you have further questions after receiving the letter, please call us at XXXX. Our hours are : Monday Friday, XXXX XXXX  to XXXX XXXX  or Saturday, XXXX XXXX to XXXX XXXX Eastern Time. 
Thank you for choosing Wells Fargo. 
Sincerely, Wells Fargo Claims Assistance Center
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded that the following accounts be removed from my credit report : USA Funds Account # XXXX, USA Funds Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting ( FCRA ) act Equifax has violated my rights in pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions. The FCRA is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is fair and accurate. Equifax is inconsistent with several accounts across the three credit reporting agencies and the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a   XXXX   XXXX   XXXX   credit card account on my credit report that does not belong to me. The account number listed on my report is "  XXXX ******  XXXX   '' with an open date of  XX/XX/XXXX . It is currently being reported as a " settled charge off ''. I have sent disputes on XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  and to this date, Experian has not properly investigated into this situation to remove this account. This account was previously also being reported by   XXXX   and  XXXX  before I started disputing it. They deleted it promptly after it was found that it was not my account so I can not understand why Experian keeps turning away my disputes as frivolous. How can Experian get a different investigation result for the same dispute with the other   XXXX   credit bureaus? I have called   XXXX   XXXX   XXXX   and there is n't even record of this account when I speak to them, so this makes things even more confusing.
Product: Mortgage

On XX/XX/XXXX I mailed my mortgage payment check for my XXXX payment ( due by the XXXX ). On XX/XX/XXXX, I received a call from a XXXX XXXX XXXX  ( not PennyMac ). This made me call PennyMac. They demanded an over-the-phone payment and threated debt collector again, so I made my second mortgage payment for the month of XXXX. 
On XX/XX/XXXX, five days after permitting an e-payment, I made my XXXX mortgage payment. THEN, on XXXX, they CASHED the check I mailed on XX/XX/XXXX. Now they have been paid twice for XXXX, AND I have sent payment for XXXX ... which they could receive and cash very shortly. So I called PennyMac again. I spoke with an agent AT LENGTH, and they finally acquiesced to return my money. I requested that this be returned electronically so funds would be immediately available, especially since my XXXX mortgage check could be cashed at any moment. I was told that he " expedited '' the fund reimbursement and that I should have my money within 3-5 business days. 
On XXXX I call to follow up as I have not received an e-bursement, and I don't trust them. At this LONG call... .I finally get a supervisor, and discover that they MAILED a physical check that should be there in a few days. This is unacceptable, I need my money back before my other bills are due and they inevitably cash my XXXX check. Then I'm told that NOW I will have an e-bursement to my account in 24-48 hours, that they cancelled the physical check, and the same supervisor says he will call in 48 hours to verify that I have my money. 
XX/XX/XXXX : by XXXX, no call and no money..so I call them. After yet another lengthy phone call, it is discovered that the e-bursement was DENIED. Fortunately ( I hope ), they did not cancel the physical check. So ... at XXXX I did a mobile check deposit, that still hasn't cleared ( naturally ), so I'm now late on my mid-month bills... .IF the check does clear. 

Clearly they have a processing problem, as well as a customer communication issue. They held my money for XXXX WEEKS unethically. No one should have to work this hard to get their own money back when a mortgage company has made an error by creating lengthy processing of mortgage payments, then extorting money from the customer, then holding that money XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Bank account or service

When I opened my checking account I made it clear I did not want overdraft protection, and that the bank should decline charges if there is insufficient funds. Well on XXXX/XXXX/16 by account had insufficient funds, and I was charged an overdraft fee 4 times. Also I was not notified that my account was overdrawn until XXXX/XXXX/16 in my opinion this was as deliberate attempt to collect for fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

saw an account from US DEPT OF ED account # XXXX which showed up on my credit report that I never seen before and never gave them any written permission to report anything on my credit report. I need these deleted asap. Also they have multiple addresses and my name are not accurate on my credit report. I need them to delete any names in their system that vary from my name and delete any address in their system that does not match mine.
Product: Debt collection

I clearly indicated the debt was not mine and that I needed copies of the documentation to file the necessary police reports. I believe I am a victim of identity theft and wanted the evidence to provide to the police department. The collection agency refused to have the company that provided them the claim contact me, dispute the claim and remove it from my credit report.