23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was charged a late fee for paying too early. In XXXX 2015, I made a credit card payment to Capital One. The payment arrived at Capital One on my statement closing date, so instead of applying it to the correct statement, they applied it to the previous statement and declared me past due when the payment due date arrived. I was charged a late fee and had my account suspended even though I paid EARLY!
Product: Debt collection

I explained that I DO NOT POSSESS, NOR HAVE I USED, A PAYPAL CREDIT CARD. I contacted XXXX who redirected me to XXXX XXXX XXXX. They do not answer calls or return emails. I called XXXX back, after several unsatisfactory attempts to XXXX XXXX. I am not sure what type of fraud is occurring, however, I have not authorized this account!
Product: Mortgage

OVER THE PAST 2 YEARS I HAVE TRIED TO GET ASSISTANCE ON MY MORTAGE. WELLS FARGO HAS NOT BEEN HELPFUL WHEN TRYING TO SEEK HELP AND I WOULD LIKE TO SEE IF ANY OUTSIDE PROGRAMS CAN ASSIST IN GETTING MY MORTGAGE PAYMENT LOWERED.
Product: Checking or savings account

On XX/XX/XXXX I was on the phone with a Wells Fargo Home Mortgage Consultant to discuss options for a pre-approval. I had issues verifying my SSN and DOB. I was asked to visit a branch in person to verify this information. This was the second time I've had to get my information verified at a branch since opening my account in XXXX. Neither my SSN nor by DOB has ever changed. 

Upon visiting the branch, I've learned that my SSN and my DOB were both incorrect by one digit. In addition to this : - I also learned that a credit card application had been placed in XXXX. XXXX was a while ago, I don't remember whether or not I had placed this application. But the graver issue at hand was how an application could have been placed without verifying my DOB or SSN.

- I have been using Wells Fargo 's online banking website to view a FICO score. I've since been told by Wells Fargo that this FICO score belongs to someone else, and is visible because I had someone else 's SSN tied to my account.

In trying to clarify this issue with Wells Fargo, I'm trying to understand when my SSN and DOB first started showing up as incorrect. They refuse to share this. My concerns are as follows : - I have no visibility on whether or not this personal information was wrong from the day my account was created or whether someone had changed the info since then. Wells Fargo refuses to share this. There are implications for me if a malicious party has my personal information and is changing my account details.

- I have problems about Wells Fargo 's procedures and security measures. How was a credit card application placed without confirming my DOB or SSN? How is it possible for me to view someone else 's FICO details without some verification that the score is tied to the correct account, through some means other than SSN? Data like DOB and SSN should be nearly immutable.
Product: Debt collection

See Attachment! 
Portfolio Recovery Associates XXXX XXXX XXXX XXXX, XXXX NOTICE TO CEO, CFO and Compliance Legal Department On or around XX/XX/XXXX, I received a phone call from a person stating that they are a representative or an employee for Portfolio Recovery Associates. During that phone call I believed my consumer rights were violated under the Fair Debt Collection Practices Act ( FDCPA ). First, I would like to bring to your attention my rights under the fair debt collection practices act, fair credit reporting act and my right to privacy under the ( Gramm- Leach Bliley Act ) and the Privacy Act of 1974. Pursuant to 15 USC 1692c ( a ) ( 1 ). I did not consent to Portfolio Recovery Associates or any employee of portfolio Recovery Associates to contact me or communicate with me without my express written consent. I also want to bring to your attention that the employee of Portfolio Recovery Associates or representative called me at an inconvenient time and during the phone call I experienced harassment and threats trying to coerce me into paying an alleged debt that is not lawfully verified under oath or sworn statement or testimony as required under law. The false and misleading representation threatening to take any action that can not legally be taken or that is not intended to be taken is a violation of my consumer rights pursuant to 15 USC 1692e ( 5 ). As a federally protected consumer under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act and other applicable laws, I demand my rights be respected. I am putting Portfolio Recovery Associates and its representatives on NOTICE requesting more information as it has come to my attention that Portfolio Recovery Associates have a history of illegal debt collection practices and consumer reporting violations according to lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). See Exhibit XXXX and web Link as evidence or proof. https : XXXX SEE EXHIBIT XXXX XXXX XXXX XXXX Therefore, I am requesting the following documents below as I need to see the following documents to lawfully authenticate the alleged debt you are claiming I owe.

1. Chain of ownership.

2. Purchase agreement.

3. Evidence of license to collect in Florida.

4. Full account history which includes Full disclosure of account history, payment history, any interest, and fees from XXXX balance to current amount allegedly owed to portfolio Recovery Associates.

5. Any person with first-hand competent knowledge of the alleged debt who can testify under oath or under penalty of perjury of account ledger in question.

Please note that failure to provide full disclosure of any and all documents requested which is required under law, shall result in a violation of my consumer rights pursuant to 15 USC 1611 ( 1 ) ( 3 ).

I am also aware of potential civil liability violation pursuant to 15 USC 1692k ( a ) ( 1 ). 
Failure to provide these documents within 30 days as required by law or any delay or unverified documents that are not authenticated or verified under oath will prompt further action to protect my consumer rights. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I make a payment in full in the amount of {$2400.00} the return item when I have sufficient funds in my checking account. They are trying to say the payment failed when in it didnt and funds are available to pay them off in full. They have already received {$1800.00} in payments from me in a {$2500.00} loan the loan went down {$15.00}. They wont stop returning my payment when I asked to close my account when I make the final payment to end business with them.
Product: Debt collection

Spring Oaks Capital LLC is trying to collect on a discharged debt from XXXX. Ive asked for information to be sent to me regarding account over 60 days ago and still have not received the information request. Also asked that the remove the derogatory marking on credit report and they refused to do so. Ive also disputed this with all 3 credit bureaus and they keep saying we verified the information as accurate with the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and verbally contacted Equifax many times via certified letters and long phone calls requesting them to delete XXXX addresses that are not mine : XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, To the best of my knowledge, these addresses belonged to my father who had the same name and who died in XXXX back in XX/XX/2021. I have been very patient with XXXX expecting them to remove these detrimental mixed addresses but recently it has come to my attention, by the XXXX police, that these addresses were involved with Identity Thief activities in XXXX XXXX
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA corrected and then RE-MISREPORTED FALSE LATE STATUS Everyday of false reporting is a LARGE COST to me that BANK OF AMERICA WILL BE PAYING. 

Need help from CFPB
Product: Debt collection

Midwest Recovery Systems reported a collection debt to my - Credit file on XXXX XXXX, 2016, - for {$840.00}.. I never received a 30 day disclosure of any collection activity. I filed for bankruptcy in XXXX and never knew anything about this debt until I reviewed my credit file and saw that it had dropped XXXX points as a result of this company. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file-. Again, this caused my credit score to drop - points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. This is an illegal practice of debt selling and manipulation that violates the FCRA. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.
Product: Mortgage

I have have been trying to remove my PMI for months now and my mortgage company is dragging it's feet as I continue to pay ~ {$90.00} every month. 

XX/XX/XXXX : First contact my mortgage servicer about removing PMI. I followed up several times via email and phone before finally getting an answer. 
XX/XX/XXXX : Paid for and ordered XXXX to remove PMI and was told it would be completed in 20 days. No one ever contacted me. 
XX/XX/XXXX : No one called about XXXX so I called back. Said they'd look into and call me back. No one ever contacted me. 
XXXX : Called them again and they said the payment was rejected even though it was supposed to just go on my mortgage. No one ever reached out to tell me that is was rejected or why it was rejected. I paid AGAIN via debit card this time. 
XXXX : Called again because no one had contacted me. They told me 5-7 days someone would contact me. 
XX/XX/XXXX : 7 days from last call and no one had contacted. They told me to keep waiting.
Product: Checking or savings account

In XXXX of 2023 I opened a Chime account. Then on XX/XX/2023 I received an email stating that my account had been closed. The reason was my account failed to comply with the terms of the Deposit Account Agreement. 
I had initiated two transfers from my XXXX XXXX checking account to my Chime checking account. One transfer for {$200.00} and one for {$5000.00}. I have been trying since that time to get Chime to refund my money. 
I have called their support number and have emailed them multiple times. I have sent verification with a copy of my drivers license, a copy of my passport, copies of the emails from Chime stating the transfers had been initiated. I also sent an email explaining the situation and a copy of my XXXX XXXX stating that show the two transfers being made. 
They have sent me emails stating that they are waiting for their processor to provide a tracking number. This was on XX/XX/XXXX and I still haven't received a check or a tracking number. I also received a ticket number XXXX. Now on XX/XX/XXXX I received another email stating that I needed to provide valid documents verifying that the deposits had been made. I have already done that with my bank statement several times. They also state that for security reasons, Chime is unable to share mor information about the account closure. Basically it is the same runaround that they have given me for over two months. I would like to know what I can do to get them to refund my money. I have attached the documents I have provided Chime. I really don't know what other documents I can provide to Chime.
Product: Debt collection

This business has been told numerous times to call and leave a message and I will call back as soon as possible and has been told numbers times to not call my place of work and has done so anyways and has caused me to be written up and I have now been threatened with losing my job because of their continued calls. They have also called family members pretending to be someone who has an emergency and is in need of getting in contact with me right away and sending them into a panic thinking there is a real emergency happening.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On the morning of  XXXX   XXXX ,  XXXX  I was alerted by   XXXX   that a negative credit item had been added to my report. I subsequently learned it had been added to the other credit bureaus, as well.     They are claiming I owe {$1000.00} from alleged  medical services  performed by the   XXXX    XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX   ( three  years ago ). When my wife spoke to them this morning, they claim they purchased the debt from a company called "  XXXX . '' I have never had any contact with either the physician group noted above or any company named  XXXX  about any debt. Seems like if this was a legitimate debt, it would have been placed for collection three years ago. Even if this were legitimate, I can not go back  three  years and determine what happened.     I called the billing company for the physician group listed today and they have another  XXXX   XXXX  in their records, but none with my date of birth or address.
Product: Debt collection

The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX  XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. 

They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. 

I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent.

They will not stop and I need you to avail your assistance. 

I have a letter from the XXXX  XXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you all on XX/XX/21 about several accounts on my credit that is not mine. I received some letters from the accounts on their and they said that the accounts are verified whatever that means. Can you all please help me with getting these accounts off my credit. Im not getting anywhere with them. Im attached the FTC complaint I made.
Product: Checking or savings account

I am writing to express my deep dissatisfaction with the recent experience we had while attempting to open a checking account with City National Bank on behalf of our company, XXXX XXXX XXXX. 

We had initially encountered significant obstacles in our endeavor, as the bank staff seemed uncooperative and insisted on obtaining access to XXXX XXXX XXXX  personal banking information before proceeding with a simple checking account application. Eventually, after much persuasion, they relented and stopped requesting unnecessary details that are not typically required for such an account opening process. 

However, we have now encountered a new hurdle that is both perplexing and concerning. City National Bank is demanding an excessive amount of personal information from multiple individuals within our company, a requirement that we have never encountered with any other banking institution. Compounding our unease is the fact that they are requesting this sensitive information to be transmitted via email, which raises serious concerns about the mishandling of confidential data. 

Despite numerous requests, I have been unable to obtain a clear explanation or the relevant policy that mandates the submission of this extensive personal information. The bank representatives have been evasive and unhelpful, providing vague responses and continually redirecting my inquiries. They claim to have sent the information, but regrettably, no attachments were included. Only upon attempting to print the PDF version of the email did I discover that an attachment was present, albeit with a file size of 0K, rendering it inaccessible. 

Such disregard for our legitimate concerns and the apparent lack of professionalism demonstrated by City National Bank have left us deeply disappointed and frustrated. We expected a higher level of service and respect for privacy from an institution of their stature. 

I kindly request that you investigate this matter promptly and provide a satisfactory resolution. Our company 's banking needs are of utmost importance, and we deserve to be treated with the professionalism and diligence that should be the hallmark of any reputable financial institution. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to address our concerns promptly.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these companies to check my credit report XXXX XXXX XXXX XXXX XXXX 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 card

I initially made a purchase for XXXX XXXX XXXX on XX/XX/XXXX for {$160.00}. On XX/XX/XXXX my ordered was cancelled by the merchant. I filed a dispute with chime bank. My dispute was denied several times starting on XX/XX/XXXX. I have all the evidence needed. I contacted the Chime Dispute Supervisor XXXX, she stated that the evidence provided was sufficient and even after this my dispute was wrongfully denied. I was provided the evidence submitted by the merchant stating that were never contacted about this issue and I also have evidence that this is false as they have responded to my emails. You will see that my email sent on XX/XX/XXXX was responded to on the same day by the merchants automated email. I am filing this complaint to get some resolve.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPORTUN/PROGRE XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax disclosed my personal information as part of a data breach. 

According to Equifax most of the consumer information breached includes names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX : # I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

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