23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE WITH ALL 3 AGENCIES address, emails, bank statement, 2 FTC reports ( two separate needed for all accounts ) police report and ID attached for full verification.
Product: Credit card

I have had a credit card with Wells Fargo for several years. When I first got the card, I had a 9 % interest rate. The company raised my interest rate to 17.4 % currently, antold me that it was due to a late payment. I went back thru several years of payments and never found documentation of them receiving a payment late. I complained to the better business bureau, and all that occurred was that Wells Fargo sent a document stating that I was paying the higher rate with no proof of late payment. The balance of my credit card has been quite high over the past couple of years due to my involvement in a civil law suit that has cost more than {$20000.00} in attorney 's fees. Subsequently, I have been charged an inordinate amount of interest on this account and I did not agree to such a rate, nor did I pay Wells Fargo late, thus justifying their increased charges. I have documentation of my timely payments over the past couple of years as well as copies of my complaint to the XXXX. My credit rating is over XXXX and there is no record of my paying my credit card late on my credit report either. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute about the balance on my account related to the repossession of my vehicle. 

My vehicle was repossessed by XXXX XXXX and subsequently sold at auction. Despite this, the balance on my account remains unchanged, reflecting the original amount owed for the vehicle prior to its sale. I have not received any communication regarding the proceeds from the auction or any adjustment to the account balance to reflect these proceeds. 

I believe there has been an oversight or error in processing the proceeds from the auction sale. According to my understanding, the auction sale proceeds should be deducted from the total balance owed, and any remaining balance should be communicated to me clearly.
Product: Prepaid card

I received my prepaid debit card in the mail, but my balance was {$0.00} when there should have been {$290.00}. I had them expedite my card for 2-day shipping ( cost {$12.00} ) and there was supposed to be a balance of {$300.00} before that, so {$290.00} remaining. When I logged onto XXXX Program, it said the {$300.00} was first credited XX/XX/XXXX by Nevada Unemployment ( XXXX ), then {$300.00} debited XX/XX/XXXX with the title " Return Unpinned Deposit '' ( XXXX ) and it won't even allow me to dispute the debited amount as it was not a transaction. I cant file a dispute or get ahold of anybody with either Comerica Bank or NV Unemployment Insurance Claims. Please help!!

Attached is a screenshot of confirmation I was paid out {$300.00} from my NV UI claimant account, and the second is a screenshot of my dashboard with Comerica bank with a balance of {$0.00}.
Product: Credit card or prepaid card

My grandmother passed away last year and her bank sent her a new credit card. But we never got it and received a phone call stating someone spent over {$1000.00} in XXXX or XXXX. They want us to pay the bill for a fraudulent charge on a credit card that was stolen that we reported. Which to this day we are still getting billed
Product: Debt collection

Alleged debt from 2009. It was paid to the best of my knowledge, notwithstanding, attempting debt collections on a account from 2009 ( Last date of activity/account close request by me/consumer ). This is fraudulent and illegal.
Product: Checking or savings account

Between XXXX and XX/XX/XXXX, unauthorized transactions totaling {$760.00} were processed through my Chime account without my consent. The specific transactions are as follows : XX/XX/XXXX : XXXX : {$21.00} XXXX  : {$12.00} XX/XX/XXXX : XXXX  : {$38.00} XXXX  : {$33.00} Various Dates in XXXX and XX/XX/XXXX : XXXX XXXX Transfers : Totaling {$110.00} XXXX and XX/XX/XXXX : XXXX : Multiple transactions totaling {$150.00} XX/XX/XXXX : XXXX XXXX : {$200.00} Actions Taken : XXXX. XXXXXXXX XXXX XXXX XXXX : Upon reviewing my account statements in early XX/XX/XXXX, I identified these unauthorized transactions. 
I promptly contacted Chimes customer service to report the fraudulent activities and initiated formal disputes for each unauthorized transaction. 
2. Evidence Submission : To support my disputes, I provided Chime with comprehensive evidence, including : A police report filed with the local authorities ( Case ID : [ Insert Police Report Case ID ] ). 
Medical records indicating my hospitalization during the period when the unauthorized transactions occurred, rendering me unable to monitor my account. 
Screenshots of the unauthorized transactions from my account statements. 
Correspondence logs detailing my communications with Chime representatives. 
3. Chimes Response : Despite the substantial evidence provided, Chime denied the disputes, citing the closure of my account as the primary reason. 
Its important to note that the disputes were filed prior to the account closure, which was a protective measure taken after discovering the fraudulent activities. 
4. Further Attempts to Resolve : I escalated the matter by contacting Chimes executive team, including the Chief Experience Officer and the CEO, seeking a thorough review and resolution of my case. 
Despite these efforts, I have not received a satisfactory resolution or reimbursement for the unauthorized transactions. 

Current Status : As of XX/XX/XXXX, the unauthorized transactions totaling {$760.00} remain unresolved, and I have not been reimbursed.
Product: Checking or savings account

This is, you could say, a further attachment to the complaints cases XXXX and XXXX XXXX -- -Now closed -- -- In my attachments you will see the attorney general of AZ as this was my next step. It is important to read my response to the latest letter dated XXXX XX/XX/21 to the AZ Att. Gen.by the BBVA bank. The CFPB was on a quest to remove some the the restrictions on arbitration that large companies and banks use-in their favor to avoid a court case. You succeeded in implementing class action through congress. My case involves credit card fraud upheld by a bank. Arbitration clause does not state whether it is Binding or Non Binding type-? This is extremely important as they treat the arbitration as binding whereby you can't go into a court as the judge will uphold the decision made by the arbitrator. THIS needs to be stated in all terms and conditions. It is also noted that with arbitration the bank does not have to honor " Disclosure ''. In the last letter I wrote to the BBVA bank, I requested demands be answered -- -They totally ignored that in their response to the Att. Gen. Please read all attachments especially their XX/XX/XXXX response to AG .They made a false statement saying I gave them permission to use my personal account to pay off a fraudulent debit in a business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted XXXX, XXXX and equifax regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.
Product: Mortgage

XX/XX/2015 I started inquiring about home loans through PNC Mortgage Company. The process took about 8 months and during this time my credit was pulled many times without my consent. I was giving verbal updates about stalling and needing continuation but never any updates about them needing to repull my credit over and over nor was I aware this was happening until I looked at the many inquires on my credit file. My credit prior to seeking this loan was at nearly an 800 and after I completed my Home loan my score was around 590 to 615. I suffered financially because my loan was not completed in time and I had to endure expensive month to month costs since I was out of my contract in my apartment. all in all this company was not able to complete my file because the location that I was working with had shut down and they had to transfer me to somebody out of state. I was not given a reason as to why they were shut down but I can only assume that their practices were unethical and that might have had something to do with their being shut down. It was a major inconvenience that i was transferred to another person in another state Named XXXX XXXX. So I mentioned to her all of my credit inquiries and financial burdens I had to endure and the major inconvenience it caused me -time and hours out of my day to sort through all of the issues I had with a PNC Mortgage Company . so to attempt to resolve the issue she refunded me my appraisal costs but I never heard anything back about financial compensation in regards to me having to pay out of pocket month-to-month at my apartment being out of my housing contract. XXXX XXXX was the lady who was working my loan originally and she told me I was to have my house keys on a projected day, and when I called about getting my house keys another lady said that she had never even completed my pre-approval but I had received pre-approval letters and had them on file so upon complaining to another loan office named XXXX XXXX   I had only got my appraisal finances refunded and that is the only thing that was settled in regards to my complaint with the company. I am writing this complaint since it has taken me 3 years to repair my credit since this issue has happened, I personally feel that I am I entitled to financial compensation. Not only did my loan with PNC Mortgage never get completed but I had to change to another lender and they opened and closed my file and completed my mortgage within one month. Upon looking at refinancing my home I found out that I am able to put a complaint on file and potentially resolve this issue that has personally scarred my experience with any home loan companies regarding credit scores. I have missed out on many opportunities to use credit because the damage that was done from PNC Mortgage. Below is the office and representative who mistreaded my file for future references.

XXXX XXXX  Mortgage Loan Officer PNC Mortgage, a Division of PNC Bank, NA NMLS # XXXX The PNC Financial Services Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX, WA XXXX XXXX Office
Product: Credit card

I used a Destiny card, I used the card to make XXXX dollar purchase, they sent me a bill totaling {$330.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXXl has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Product: Debt or credit management

I used Lexington Law to repair my credit and nothing happened but I was still being charged.
Product: Debt collection

I have asked MERCHANTS & PROFESSIONAL to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

Pro XXXX charged amounts on my credit that are not mine. I never agreed or signed to these amounts. I was also not made aware of these negative inquiries. I tried disputing these charges through XXXX  XXXX  multiple times, each time they say the debt is mine, but theres not proof of that. They now want me to prove ( give documentation ) it is not my debt. They have not provided me with any documents stating the debt is mine, because its not, but refuse to remove these charges on my credit.
Product: Debt collection

I received this debt in XXXX alleging I owe the company {$1000.00}. I asked for proof on XX/XX/20 of what I owed to them and they only sent me proof indicated I owed {$190.00} on XX/XX/20. Since then I have mailed them for the additional amounts to be verified and they have not responded to me and they are still reporting that I owe them {$1000.00} to the credit companies. They are violating the Fair Debt Collections act by not removing these charges from my credit before verifying the amount I owe to them. On XX/XX/2020 I attempted to contact them and they advised that my account was restricted and that I needed to email someone else at the company in order for them to give me any info or try to settle anything with me. I asked if they were refusing to settle the debt since I was ready to make a payment on what I owed and they only told me that I had to email someone in order to get any info or to move forward. They did not answer any other question I had and they only danced around the info I requested. The 1st time I tried to email this company the email would not go through and my email service kicked my email back advising that they could not connect my message to their email server.
Product: Student loan

I have been making my payments on time since I graduated in 2014. It started XX/XX/XXXX when I received a phone call from the company stating I owed over {$2000.00} even though I received a statement each month and it showed I owed {$0.00} for the month ( I still made the same payment I had been making of {$300.00} each month even if it showed {$0.00} due ). I stated this on the phone to the agent and I got escalated each time and the the 3rd agent agreed with me that something seemed wrong and that I had in fact been making payments. He indicated he thought something with wrong with their system and my account it they had recently gone through an " audit ''. He said he would send this to their expert for research and to not make the $ XXXX payment their system showed me as owing, but to still make my payment of {$300.00} on or before my normal due date of the XXXX. 

I never heard back from the company and called every two weeks or so until my loans finally I reached an agent who could explain the situation. Meanwhile my some of my accounts ( but not all strangely ) were reported to the CBR 's as past due which tanked my credit score and is preventing me from getting a more favorable rate. When i spoke finally with an agent, it seemed their system inadvertently miscalculated or messed up my account and they were going to try to fix it. 

I was told they would reach out to me once it was fixed but never heard back from them again. My accounts were finally reported as current to CBR but my score still shows past due payments on my account and my score has not gotten better. In addition, I never received any follow up from the company saying it was taking steps to fix my account or my credit they incorrectly reported. I did receive a few days ago finally a letter which does show my account not messed up anymore, but nothing still from them regarding fixing my credit or any other restitution due to the stress and impacted credit score they caused. I will be reaching once again to the company after submitting this complaint. I feel this was unfair and abusive towards me which caused me harm. I am making this complaint in an effort for the company to take notice and not just file my account away as one more statistic and hopefully someone takes action.
Product: Student loan

I need to know how many qualifying payments I have for Public Service Loan Forgiveness. XXXX XXXX XXXX said it would take 3 months to calculate. Then they said 6 months. Now they say a year. I should complete my 120 qualifying payments in XXXX of 2019. In the event that there is a mistake I would like time to fix it before I complete my payments and apply for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED TO get my report from free anual credit report website I only got XXXX  Report. XXXX and Experian kept saying there was an error try again later. Called XXXX and was on hold for over XXXX minutes and transferred to a recording to dispute a charge on my report but I DONT have my report! Called Experian was on hold for more than XXXX minutes! They say it will take XXXX weeks to process it and XXXX weeks for delivery!! That is not acceptable! I could loose alot if someone else is using my information
Product: Credit reporting or other personal consumer reports

I just looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that do not have permissible purpose. I did not authorize these inquiries and would like for them to be removed. 

1. XXXX XXXX XXXX, XX/XX/XXXX 2. US Department Of EDU, XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Fraudulent Auto Loan Company or Organization : Navy Federal Credit Union Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$30000.00}
Product: Debt collection

I contacted Jefferson capital in regards to an account. I asked them to verify the account In which they sent me a paper showing a breakdown Of costs but nothing with my signature on it or anything. I contacted the bureaus and they keep updating the Jefferson account but wont remove it. I had 2 collection accounts with them they removed only one and not the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting that collection companies provide debt validation letter for this debt. This would not involve verifying the questions debt but legal right to collect said debt if accurately reported. So, please provide copy of DEBT VALIDATION LETTER for the following account : Account name : XXXX XXXX XXXX Account number : XXXX
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX around XXXX. i went to TD Bank at XXXX XXXX XXXX to make a deposit of the amount of XXXX. in cash, and they state that the cardholder never at that ATM, if they can proof that i want them to view a camera at that time.

very much appreciated. 

Thank you, XXXX.
Product: Credit card

I spend up a Citibank card with a XXXX deposit. I was late on a payment and my account was closed. I called and was told I would receive my original deposit of XXXX back to wait a week. If I didn't receive it to call back, time passed and nothing so I called. I was then told I was charged a late fee and I would be receiving lesser amount and that it was deposited via direct deposit. I waited and waited and nothing. I called AGAIN and was told I would receive a check in the mail for XXXX to call back by XX/XX/XXXX if I didn't receive anything. I CALLED AGAIN TODAY SINCE I HAVE NOT RECEIVED MY XXXX MONEY YET. I was told a lesser amount XXXX has been sent out. I hung up because EVERY SINGLE TIME I CALL I GET TOLD SOMETHING COMPLETELY DIFFERENT. I just want MY MONEY BACK XXXX!!!!!!!!! IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XX/XX/year>