23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

SNAAC has been charging me late fees of XXXX per month and somehow is saying the late fees are now equal to {$490.00} but I have been charged the late fee in the monthly payment. They are also stating that the {$420.00} repossession fee is the third party fee for calling the company to pick the vehicle up. After talking to the third party they stated they have no set fee however SNAAC is still not removing the fee. They are overcharging me on the payments and then still charging me late fees
Product: Debt collection

I was contacted by Account Discover Systems, LLC attempting to collect a payday loan debt on behalf of XXXX. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. 

I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. 

I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.
Product: Debt collection

NCB Management claimed they sent an email to XXXX on XXXX XXXX. After carefully checking my spam folder and inbox I only show two emails from NCB Management. This is a Request for NCB Management to provide proof of the initial email notifying me of this alleged debt on XX/XX/2022, and a copy of the purchase agreement. The emails I have from NCB Management I will include as an attachment are dated XXXX and XXXX. NCB Management reported this fraud-related account to my credit report on XXXX not providing me 30 days under the FDCPA 15 USC 1692g ( 3 ) to dispute the alleged debt. Also, NCB Management is violating 15 USC 1692e by using deceptive tactics by accusing me of e-signing documents and receiving money without showing proof. If NCB Management doesn't provide the requested information, then should cease collection and remove this account from credit report or face litigation and penalties.
Product: Credit reporting or other personal consumer reports

with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX has violated XXXX XXXX XXXX XXXX In accordance my rights. 
15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 Section 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested for this information to be deleted due to Identity Theft. This account came back verified by transunion. Predator violates 15 US Code 1681c. Section ( e ) states shall not prohibit the disclosure of nonpublic personal information. Predator also violates 15 USC 1681a2 by furnishing accounts to my report without my written permission. Please remove this information of my report before I seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

As usual, when i call Wells Fargo Bank, NOBODY ANSWERS THE PHONE AT ANY OF THE LOCAL BRANCHES. I called XXXX and XXXX and XXXX and nobody comes to the phone. This behavior is 100 % absolutely the same, before the Corona Virus Planned Hoax to wreck the economy began. I called these numbers over and over from XXXX to XXXX. I called Wells Fargo customer service ... ... nobody answers AS USUAL. I called an out of state Wells Fargo and was able to get someone to transfer me to Customer Service ... .who did actually pick up the phone after a short wait. The Wells Fargo agent could Not tell me why when i type in the EIN and Account number of the Trust Account, the Wells Fargo system does not recognize the Trust, leaving me unable to enroll in online banking. The Agent said she would " Set me up '' with online banking ... .to which i told her, no, not yet, i wish to know why the EIN and Account number is not pulling up the Trust information within the Wells Fargo system. She could not give me an answer and instead Transfers me to another Agent. The Agent named XXXX   answers. I asked her before we get started .... '' what did the last agent tell you my issue was '' ... XXXX  proceeds to tell me A STORY, COMPLETELY OUT OF LEFT FIELD that the 1st Agent Created and told her ... ..that has 100 % Nothing to do with my issue. I told XXXX, " the reason i asked is because 100 % of the time, you Wells Fargo people do NOT LISTEN ... and that is why Wells Fargo is in so much trouble around the world ... YOU PEOPLE DO NOT LISTEN THEREFORE YOU CAN NOT ADDRESS PROBLEM SOLVING CORRECTLY. So, i had to explain the whole situation again to XXXX. As i type this complaint, i am on Hold AGAIN, waiting for the next incompetent employee of Wells Fargo ... ... And right now ... .I have been on the Phone with Wells Fargo ... going on 40 minutes and counting. The next Agent named XXXX, tells me that she does not know why the Trust information is not pulling up. I asked her how does someone enroll online and she says on the website. I tell her what i did, then she says You have to call in and that the website does not work for everyone, its random. I then tell her, i would like to set up an appointment with my Local Wells Fargo to close both my accounts and i wish to do it now over the phone because the local branches do NOT pick up the phone and i wont be able to make an appointment otherwise. She then tells me the ONLY times the Bank is available ... leaving me unable to make an appointment. She then goes on blaming the Planned Corona Hoax as her excuse for the bank NOT being available after XXXX. So, once again, i have spent over 1.5 hours on the phone with Wells Fargo and they could NOT solve my issue. They can not tell me why their system will not pull up my Trust account by its EIN and  Account number ... .and they failed to accommodate my schedule, to come close the accounts.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We have been trying to complete a short sale with Faye Servicing since XX/XX/2020. Please see the attached synopsis of what has taken place. 

Due to Fay Servicing not responding in a timely manner throughout the process we are now against the wall with a foreclosure sale date of XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Advance America credited a bank account that was not mine. I called immediately to tell them they'd deposited into the wrong account and was told they'd fix it. It's been TWO YEARS and they're still calling me to pay back a loan I never received. Advance America told me to call the bank they deposited the money into, but the bank basically laughed at me trying to discuss money into an account that wasn't mine. The calls are now harassing, as they call AT LEAST two to three times per day. I get nowhere with them when I explain the situation and who I've talked to ( which, conveniently, they never seem to have a record for. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Misinformation has been placed. Account information, comments are incorrect, please investigate remove from account immediately. 

Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Type : Credit Account number : XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Type : Credit Account number : XXXX
Product: Checking or savings account

I opened a checking account through Bank of America on XX/XX/2019 for my unemployment direct deposit of {$190.00} every two weeks. At the time when I opened the account the associate stated there was no monthly maintenance fee as long a a total of deposits were {$250.00} or more per month. I called to confirm with another associate and they also confirmed there would be no monthly maintenance fee for the amount I was having deposited by my unemployment check of {$190.00}. On the third month I was charged a maintenance fee of {$12.00} and the associate was unsure of why I was never charged the first two months and why there was a fee that month so she reversed the fee of {$12.00}. The follow month there was a {$12.00} maintenance fee so I ended up closing the account on XX/XX/2019.
Product: Debt collection

This is what I sent to the insurance commissioner of the State of FL in 2021 about XXXX  and I thought the matter was handled. " I made a payment in XXXX and XXXX for insurance for those months. I am also attaching emails that show them giving me discounts and lowering my payment as well as me cancelling in XXXX because they were in increasing my rates. I find XXXX  likes to mislead their customers through bait-and-switch tactics and then suddenly throws a large premium increase at them which is why I decided to change to a different insurer. I was only with them 3 months. In one of the emails where I cancelled and I had already paid my payment as of XX/XX/XXXX to carry me thru to XX/XX/XXXX which is when I cancelled, they told me I had a {$310.00} balance that was due in XXXX. Now why would I be paying them in XXXX if I was cancelling in XXXX? Why should I have to? I was paying every month for the month in advance. ". Now I am getting a collection notice from a 3rd party company and they are ruining my credit 3 years later.
Product: Money transfer, virtual currency, or money service

I am an American who lives in California. While on vacation to visit my wife 's family in XXXX last summer, I mistakenly opened the Coinbase app on my phone ( I did not buy, trade, or buy any cryptocurrencies or do anything besides open the app ). This prompted Coinbase to send me an automated email on XX/XX/ telling me to send a photo of my driver 's license so that they could verify that I was a US resident. In XXXX I did so, along with a photo of my residential lease demonstrating my US residency. 

That was months ago. Since then, I have been told a handful of times by Coinbase customer service reps on the phone and online that my case has been " escalated. '' But no action has been taken and I'm still unable to access my funds, which I believe are now over {$2000.00}. It's been over five months now with no progress. I've also spent over 6 hours waiting on hold to try to talk to an employee, to largely to no avail. I would appreciate any help in this hugely frustrating situation. My case id is # XXXX. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address discrepancies in my credit report that demand your immediate attention. Specifically, I am disputing the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. 

It is perplexing to me why these companies have reported this information on my credit report. I have consistently upheld timely payments with all parties involved, and there is no basis for such inaccuracies. Upon contacting them, I was directed to dispute the matter with your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a letter from Experian that they " have added an Extended Fraud Victim Alert to your credit report as requested on your behalf '' i never gave Experian permission to a fraud alert let alone an EXTENDED FRAUD VICTIM ALERT. Experian has been making it hard for me to acquire credit from creditors due to this fraud alert. They are in violation a few laws for doing this ; 15 US code 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It is not fair that i am getting declined for loans and credit and they are not respecting my right to privacy.
Product: Credit reporting or other personal consumer reports

I am reporting ongoing challenges I have encountered while attempting to update my personal information on my Experian credit report. Despite multiple attempts through various channels, the incorrect information persists, negatively impacting my creditworthiness.

Here is a summary of my efforts to rectify the situation : 1. Dispute Online with Experian : In XX/XX/2024, I submitted a dispute online via the Experian website to address the inaccuracies in my credit report. 

2. Certified Mail Correspondence : - XX/XX/2024 : Sent the first certified letter ( Green Return Receipt Number : XXXX XXXX XXXX XXXX XXXX XXXX ) detailing the discrepancies and providing supporting documentation. 
- XX/XX/2024 : Mailed the second certified letter ( Green Return Receipt Number : XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/2024 : Sent the third certified letter ( Green Return Receipt Number : XXXX XXXX XXXX XXXX XXXX XXXX ) 3. Fax to XXXX : On XX/XX/2024 I also sent a fax to XXXX, requesting that they update my personal information to reflect the correct details. 

Despite these concerted efforts, the inaccuracies persist on my credit report, adversely affecting my financial standing. 

Enclosed with this communication, please find : - Copy of the certified letter sent to Experian, including a copy of my SSN card and a utility bill displaying my current address.

- A screenshot demonstrating the incorrect information present on my credit report.

- Additionally, I am including a fax report showing the successful delivery of the fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

My past two credit reports have come low. It says this is because my oldest account has been closed. But this is not true my oldest account is with XXXX with whom I also have a credit card and have been regular in its payments.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACT XXXX XXXX, ACCOUNT # XXXX, HAS VIOLATE MY RIGTHS. 

15 U.S.C 1681 SECTION 602 A SECTION 2 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.
Product: Checking or savings account

On XX/XX/XXXX we reported fraudulent use of our debut card to PNC bank. That same day we cancelled the compromised card and received a new card. Due to the holidays we did not realize the fraud had been going on for a little over a month. The initial fraudulent transaction was on XX/XX/XXXX. On this same date there were XXXX other transactions all charged through walmart.com. Altogether there were XXXX transaction from XX/XX/XXXX through XX/XX/XXXX. The dates of those transaction are as follow : XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Initially PNC gave us provisional credit for all the transaction. However on XX/XX/XXXX we received a letter advising they were reversing the provisional credit because we did not notify them in a timely matter. Specifically, " as noted in our XXXX XXXX Funds Transfer XXXX XXXX, we must receive notification no later than XXXX  days after we sent the first statement on which the unauthorized transaction ( s ) appeared. '' i immediately called and to dispute the reversal, and asked they reinvestigate. I was assured this was mistake because they had included a change back on XX/XX/XXXX as part of their investigation. I confirmed the charge in XXXX was not fraud, and we were only contesting those starting in XXXX. On XX/XX/XXXX I received XXXX letters advising the had completed their investigation and determined I had not reported the charges timely. Again, I immediately called to dispute their response. My call was elevated to someone in the fraud the department who told me they go back XXXX years to investigate fraud, and if I have any transaction with that merchant the XXXX days starts from the initial transaction per XXXX XXXXXXXX I again explained the charge in XXXX was not fraud. She again said it does not matter per XXXX XXXX I'm responsible for all charges to that merchant. I asked to speak to a supervisor which I was told she was unavailable. I asked for a return to which to date I have not received. I also asked for the specific language from XXXX XXXX, which I have not been provided. i went into the branch on XX/XX/XXXX to elevate my concerns, at which time they also told me this is a mistake and I should not have an issue getting my money back. I received a call from another customer service representative ( XXXX XXXX ) on XX/XX/XXXX which again she said she would elevate to her supervisor, and would call me back within XXXX hours. On XX/XX/XXXX I had not received a call yet so I called again. XXXX told me she did elevate my complaint and was told they go back XXXX  years in their dispute investigation, so all charges past XXXX  days of the XX/XX/XXXX charge I would be responsible for per XXXX XXXX  I again asked for the specific language from XXXX XXXX, which she was unable to provide to me. I asked my complaint be raised to their XXXX XXXX which she agreed and said I would get a call in XXXX hours. To date I have not received a return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights.

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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and Equifax several times and i have yet to receive a response of any kind. I have 2 credit cards that are not showing on XXXX and Equifax. Equifax is also showing an erroneous payment history showing several late payments that are not on the other CRA 's for one of my listed cc ending in XXXX. I have been informed since Equifax has not responded that I am owed {$1000.00} in compensation. Please tell me how i can go about collecting that amount. The lack of information being reported by the CCRA 's is falsely suppressing my credit score and is causing me financial harm. I need this fixed immediately. Thank you.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX chase facilitated 4 unauthorized wire transfers that drained my bank account of XXXX XXXX After filing a claim and taking the necessary steps the day of. Chase then 14 days later declined my claim. says they are waiting for a hold harmless letter from the receiving bank and will only refund me what the receiving bank is willing to give back. My account has been hacked several times over the past XXXX years, after changing accounts, several different emails and passwords, and even having my online access completely blocked while this is happening. Chase assured me that I didnt need to switch banks and I was safe.
Product: Credit card

I am writing to request that the CFPB assist me in having a delinquent account from Discover Bank removed from my credit report. The account in question was opened over XXXX years ago as a student and was previously in good standing with all on-time payments until unforeseen personal and financial challenges arose in XX/XX/year> due to the XXXX pandemic and unemployment. Despite my best efforts, the account fell behind due to circumstances beyond my control. 

I had been in regular communication with Discover Bank regarding this matter and had even submitted a request for good will credit removal, however, I did not receive a response. I tried to reach out further but was denied any hearing from them. I have since regained financial stability and have maintained a clean credit record for years, making all my payments on time. Given the age of the account ( over XXXX years ) and the fact that it has been paid in full ( not partially ), I believe it is no longer a valid credit entry and is unfairly hurting my credit score. I kindly request that the CFPB explore this matter on my behalf and facilitate the removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous information has been reported.