23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am looking to get a late payment removed from my credit history that occurred XXXX of 2017. I attempted to make this payment four times. The first three were unsuccessful because the account could not be verified. Im unsure the reason for this but I then changed to another bank account the third time and it still did not go through. Finally the fourth attempt at paying my mortgage it went through although this was after the end of XXXX. I am currently in the process of trying to refinance and in order to do this I need to resolve this issue. Any help or advice on this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with equifax about the fraudulent inquiries on my credit file. I waas asked did I file an FTC report and I stated you cant through the FTC anymore but I did file a complaint through the CFPB. I further asked for the fraud department and I was told he could help me. I aksed for the fraud department and he refused stating he could help. 

The spokesperson verified the complaint and proceeded to remove the inquiries and gave me the following confirmation number XXXX. 

This was all started on XXXX XXXX I called today the XXXX because the fradulent address and inquiries still remain. I was told by the person today that the inquiries are a statement of fact! i WAS GIVEN THE IMPRESSION THEY WILL BE REMOVED and now I am told they are a statement of facts. I also asked my proof of my permission via a signature from the creditor or any service they provide that I am associated with that would constitute permissible permission in their eye and I have received nothing. 

The following inquiries are not tied to any accounts on my credit file : XXXX XXXXXXXX XXXXXX/XX/2022 XXXX XXXX. XX/XX/2022 XXXX. XX/XX/2022 Equifax has also used the ploy of they are starting a new dispute without my permission to reset the 30 day time frame to resolve my dispute by law.
Product: Mortgage

We are buying a place in a XXXX. We are XXXX residents but spend a few months in the summer XXXX. We wanted to get pre-approved for a mortgage. We choose PNC since it has offices in XXXX places. We have perfect credit and no debt with XXXX scores of XXXX. So we had problems from the start. Our banker never seemed to know what was happening. He would be sent documents from us or our lawyer and not know he had them. He would promise to call with updates and not do so. He would never know the whole story. PNC picked an appraiser that did not live in XXXX. The appraiser did not know the community. Even though our property was considerable lower in price that comparable properties, the appraiser stuck to his/her position. The banker finally filed paperwork concerning the appraisal but told us it would delay the close. The discrepancy of appraised value to sale price was XXXX 1 %. Another independent banker and a lawyer told us the amount that can be borrowed is 80 % of the sale price or appraised value, which ever is lower. PNC bankers were insisting the contract be changed. Again the banker appeared to be clueless. We are now working with a much more responsible lender. We are only sharing this story in the hopes that other consumers become aware and AVOID PNC.
Product: Debt collection

Capio partners recently reported two accounts to my credit report from XXXX. Both accounts is in the amount of XXXX and they both have the same date of X7. First of all, I was under the impression that the debt was written off since I applied for financial assistance and was approved. Secondly, this debt collection agency never contacted me via phone or US mail in attempt verify this account or collect the alleged amount owed. By law this agency was supposed to contact me regarding the account, given a right to dispute and validate the accounts before reporting anything to the credit bureau per the Fair debt collection practices act, neither of which they have done.
Product: Credit card or prepaid card

On XX/XX/2018 a company, operating in collusion with another company seized my private property ( one truck and trailer ), towing it to an offsite location and holding it without legal rights. The vehicle was parked in accordance with law, and the towing from private property violated multiple California State Laws ( see document attached below ). The state statute is very clear regarding the siezure without due process of property belonging to any individual in a towing matter from private property. As outlined multiple elements of the statute were violated. When I went to collect my vehicle, a law enforcement officer went with me. He reported to me this was an ongoing issue, with multiple complaints from consumers, but he did not have a criminal statute to charge the tow company and property owner with. The tow company stated I would pay a large sum of money compounding daily or not have my property released. The owner threatened me with bodily injury if I did not pay. They required the use of a credit card. I had to have access to the vehicle, and while I did not request services relating to the tow, I had no option to get my vehicle save giving them my card under duress. They charged the card and I wrote on the receipt the charge was under duress. The owner confirmed the meaning of the term. I then advised Bank of America of the duress use of my card. BofA took the matter for review and then advised nothing they could do with the merchant based on Visa rules. I contacted Visa and they said they would look into their merchant but have done nothing. Visa claim number is XXXX and BofA claim number is XXXX. The owner of the property in collusion with the towing company is circling the parking lot and grabbing persons vehicles. Multiple complaints appear on the web site for this behavior. A criminal and civil case review are in process now.
Product: Bank account or service

I opened up a PNC checking account that had a {$400.00} bonus promotion if certain criteria was met. 
Virtual Wallet with Performance Select : Earn a {$400.00} bonus when you do the following : Open a new Virtual Wallet with Performance Select Establish a qualifying direct deposit of {$5000.00} to your new account Make at least one payment with PNC Online Bill Pay On XXXX XXXX, XXXX I made a direct deposit of {$2000.00}, on XXXX XXXX, XXXX {$5000.00} which was followed by a XXXX XXXX, XXXX {$10.00} bill pay. I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my {$400.00}. The customer service representative told me I did not qualify for the bonus. I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months. I then waited until XX/XX/XXXX and proceeded to close my account. I 'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( {$3300.00} ) it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 USC 6802 requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from the above companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I discovered ( negative credit item and account number ) had been re-inserted into my credit file, which was deleted by Experian 5 months ago. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Product: Credit reporting or other personal consumer reports

This company purchased this account from XXXX and has done nothing but report it to the credit bureaus. They refused to provide any documents or information I have requested. Also I have disputed the account numerous times and the credit bureaus never provide anything that connects me to the account except my name and the address of XXXX XXXX the father of XXXX XXXX who stole my information and rented an apartment, bought this phone and stole money from my bank XXXX which documented the theft and reimbursed me. I am a customer of XXXX XXXX and they agreed it was not my account. XXXX XXXX is in XX/XX/XXXXl awaiting grand jury indictments for identity theft
Product: Credit card or prepaid card

US Bank is currently running a scam to increase new credit cards acquisitions without having to pay out the advertised points. 

Here is some background about my personal credit worthiness. This is relevant to the scam. 

My credit score : close to 800 My annual salary : $ XXXX My credit utilization : 6 % Number of missed payments : 0 years of credit history : 9 Annual rent/mortgage payment : 0 US Bank currently has a promotion where if you spend $ XXXX you will get {$500.00} in points ( lined bellow ). This sounds good to the new US Bank customer so they go ahead and apply for the card. Here is the catch. US Bank will only give you a {$500.00} credit limit. This means that you need to spend EXACTLY {$500.00} a month every month for 4 months in order to actually claim the bonus. The problem with this is, there is no item you can buy that has an even number without any change. So lets say you end the first month at {$490.00} what would you charge to your card for exactly {$2.00} with no change. Even if you go to XXXX and get a XXXX it will be {$2.00} which would go over your credit limit which would decline your card. US Bank knows this and are profiting off of unsuspecting customers. How do they give someone who makes a XXXX XXXX a year with perfect credit history a {$500.00} credit limit. They are clearly trying to take advantage of their customers. Even if they had given me a {$500.00} credit limit then that would be enough to at least go a couple dollars over the {$500.00} a month to be able to claim the bonus points. But no, they made it exactly {$500.00} to ensure the majority of people are not able to actually spend enough to claim the bonus. Again, I have PERFECT credit history with a score close to 800. I have 6 % utilization and a $ XXXX salary. My first credit card ever was when I was XXXX. I worked a minimum wage job and had no credit history. I got a credit card through XXXX that had a higher credit limit than this US Bank card. They are clearly scamming their customers. This is fraudulent behavior. 

I called the company and voiced my complaint multiple times and they told me they cant do anything for me. They said I would have to wait 6 months for a credit line increase ( conveniently after the promotional period ends ). I will never bank with US bank ever again. 

Link to fraudulent promotion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo 's continuing harassment of mortgage holders late on payment. I am on fixed incomes with irregular receiving schedules with NO missed payments, only late/tardy. Have already implemented a " cease & desist '' against them for repeated phone calls - no messages left most times - & emails. So they 've resorted to other methods, like frequent certified mail & the big white door hanger with " CONFIDENTAL '' printed on the outward facing side in enormous red block font lettering ( I have photos ). This is beyond embarrassing & I consider it harassment. Inside the envelope is a piece of paper asking me to call them immediately. When done, the Wells Fargo mortgage rep just wants to know when you 'll be paying that month 's installment. That 's it??!? Big giant red letters on a bright white envelope hanging on my front door for all my neighbors to see for that??!? & Certified mail stickers plastered on there as well? What is wrong with these people??? 

I am NOT 6 months behind on my mortgage, or even 2. When you rely on others for your income, like Social Security & alimony, it 's difficult to budget sometimes & sure I 'm late but not behind. I catch up & always have, but throw in an unexpected event & my budget is a mess. Things happen. I ca n't help that & living " check-to-check '', there 's nothing to fall back on when you have to have an abscessed tooth pulled & do n't have dental insurance anymore. Wells Fargo 's motto is " Together We 'll Go Far '' but they do n't play well with others, that 's for sure. A plain letter mailed to me would be acceptable if they 're that worried about a late payment, but they have n't tried that approach to date. Got to have Certified mail & BIG red lettering on my front door. As if living with a physical XXXX trying to manage after your ex-husband, & main provider, abandoned the household, & filing for bankruptcy in the last 12 months was n't enough. 

Quit the harassing behavior Wells Fargo!!! You 'll receive your payments, like you have for the last 12+ years. Might be a week or 2 late, but it 's coming. Really!
Product: Checking or savings account

On XXXX at XXXX XXXX at Chase Bank XXXX XXXX LA XXXX # XXXX bank teller XXXX waited on me I went to cash the check and withdraw it out of my account she put in a check and told me a hold would be placed on the check until XXXX. She gave me a number to call Tuesday to see if they will release some of the funds and I was told it had to be verified. every day afterwards I called and was given a runaround saying I needed a verifiable number so I went by another location almost XXXX weeks after and I was told the same thing restriction on my account and the account closed could only use the {$46.00} I had in account. XXXX rep told me it had been several years since that kind of money had come through my account and they have continued this until now I called the XXXX Treasury XXXX for the first time today and was informed that they funded that account on XXXX they will not release my money or send it back to the XXXX dept where it came from. Money was put in my account on XXXX on XXXX they took it back out restricted closed my account and have my my my money stolen of some type. I have reached out to USDA XXXX XXXX Treasury XXXX and gave the letter with the check amount and my name to the issuing agency on the paperwork all submitted to them nothing is verifiable to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX XXXX 3. XXXX 4. XXXX
Product: Debt collection

RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNT IS OPEN WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCE OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF XX/XX/2024 THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B. 

LVNV FUNDING LLC Last reported XXXX XXXX, 2024 {$580.00} Open balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX # XXXX Certified Mail # XXXX XXXX, Arizona XXXX XXXX XXXX SSN : XXXX Equifax Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 Re : Unauthorized Hard Inquiries Dear Equifax : The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered some inquiries that I have no knowledge of. 
Because I did not apply for credit with XXXX, XXXX XXXX XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile.
Product: Debt collection

Creditor : XXXX Collection Agency : Convergent Outsourcing In XXXX I had an account with XXXX. I moved outside of their coverage area. Per my agreement, Early Termination Fees were supposed to have been waived. 

To my surprise, a XXXX bill was turned over to a collection agency ( Convergent Outsourcing ) who claimed the fees were not waived, they could not waive the fees that should have been previously dismissed by XXXX. This left me with an unpaid balance of {$850.00} as of XX/XX/XXXX. 

This already illegal debt should be 5 years old at this point. To make matters worse, the same creditor re-aged this debt as a XXXX debt, making this look more recent. This has dramatically lowered my credit score and is causing financial hardship. 

I attempted to dispute this several times in early XXXX, through XXXX. All disputes were denied, and again making this look like recent negative activity. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT. I NEVER RECIEVED ANY NOTIFICATION IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALSO, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX Bank and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



Thank You.
Product: Money transfer, virtual currency, or money service

This is the second time I have filed a complaint however you all stated the information didnt match. Review the call notes the Agent stated a Supervisor would call me months later no response.I will attach the information that was provided to me after the other claim under email address XXXX This compliant is with CASH APP.. their are several transactions that are fraudulent I have contacted them To no avail. I asked CASHAPP to close my account and as you will see from the evidence they are still sending text messages that my card was declined. They also sent me a text I was - {$900.00} and some dollars. All the money that CASHAPP allowed to go through that was fraudulent. I want all my money back. The people that did these fraudulent transactions I am willing to prosecute. They need to reimburse my money and they need go after these people to get their money back. CASHAPP has been on the news in XXXX, Florida it is not fair to me as a consumer to be defrauded and not receive any compensation for their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit services are manipulating my score incorrectly and do not have a correct scoring method. I opened a card through them, that there website recommended to build credit and it they took off over 70 points just for that. Over the coarse of 5 or 6 months of good standing i got my score up half of what it dropped. They just dropped another 16 pts today saying that my credit usage went to high which its not because i paid the entire card balance the same day i used it. I pay all my cards before there due and they recently rejected my successful payment for no explainable reason which gave me a late payment, They have mishandled my account and my score is now worse then what it was before i started using them. They do not have a number i can call to talk to an actual human and lead you on over the voice service to just hang up. They keep my score down so they can charge higher interest rates and make more money off me. This needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with Experian. I also filed a complaint with the FTC, which I have attempted several times to upload to the Experian website per their request, but it keeps crashing.
Product: Money transfer, virtual currency, or money service

This is related to XXXX XXXX, two problems 1 ) truist send me response in snail mail, nobody tried to reach me in phone or person, in which they say attached statement abd original disclosure but none were there, trying to keep fraud and cheating for more money 2 ) I deposied check of $ XXXX to pay off this un-wanted deal, the deposit timenwas XX/XX/XXXX, again they deliberately delayed cashing of the deposit to XXXX XXXX, charged another interest of {$190.00} against my will 3 ) as of today, I had paid off the money {$10000.00} I borrowed from Truist by their cheating ; I'm hereby request Truist cancel the interest and fee {$680.00} they charged and refund it to me
Product: Debt collection

Consumer Portfolio. I am so frustrated with them. I turned in a car, and they were supposed to take the money off of the account from the car I turned in. But they never did. The dealership closed, and I have no way of contacting them. I have no idea what in the world Im supposed to do. Nobody ever answers. They arent even doing a real investigation. I dont even owe this money, and they are reporting this account on my credit report as a charge off. Its impossible. They are falsely claiming I have a charge off account with the account number of : XXXX. This is so frustrating. I am an honest man, Ive never done no one wrong. I feel like the car dealership stole that car. Consumer Portfolio has no right in trying to collect this debt. Ive asked for validation and they just ignore me entirely. 

I read online that my rights are being violated and that this is all illegal. Please help me.