23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I signed up for a Discover credit card last year, and shortly after received an offer in the mail for a {$300.00} checking promotion ( please note that this came to me at my address and no one else has lived here in over seven years ). I filled out the application XX/XX/XXXX, was granted the account, and fulfilled all other terms required to meet the promotion. I realized that I never received the promotional money while filling out taxes this year and contacted Discover, only to hear that I was n't eligible for the promotion because I was n't 'targeted. ' No one can explain why I got a letter when I was n't one of these targeted people, not to mention that getting a credit card is a pretty obvious trigger for targeting for other business. At this point I ca n't produce the original letter since I clean my house more than once every four months and ( clearly stupidly ) assumed that a company which claims to be ranked very high in customer satisfaction would actually meet their commitments so I did n't scan everything, but at the very least the information needs to be out that that Discover is sending promotions to potential customers and then declaring them ineligible even after the customers fulfill their side of the deal.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX  to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Bank account or service

Basically, what strikes me funny, is how I was disruptive at the XXXX XXXX, MI branch. All I did was deposit {$100.00} and then when they advised me that they would not refund the overdraft fees, I basically told them that when I find a better bank, I would switch over. I now found a better bank. I want evidence produced which backs up Old National 's claims that I was disruptive. I was never asked to leave, I did my business and was gone no more than 10 minutes. I do n't see how that 's being " disruptive. '' Being disruptive is when I would not allow other clients to the window or create a public disturbance, when I did not do that. Furthermore, there were n't even any other clients in the banking center when I went in there. Advise Old National to be careful about slander and libel. If they maintain that I was disturbing and threatening, I will contact my attorney and look into filing a slander or libel suit. I would suggest dropping that claim that I was disruptive, unless they have a recording or physical evidence that I was disruptive at that particular banking center.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # 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: Mortgage

Requested removal of XXXX  from mortgage from my loan servicer, Shellpoint / New Rez. XXXX is owned by XXXX XXXX. 

XXXX ID is XXXX XXXXXXXXXXXX 
Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

My request to remove PMI was rejected by Shellpoint XXXX XXXX XXXX, for the stated reason of missed payments. 

However, this rejection seems to be in error, as XXXX  missed payments are due to XXXX XXXX, whose rules state that a mortgage which has exited XXXX, which is owned by XXXX XXXX XXXX and has made at least XXXX regular payments since, is eligible for XXXX  removal. 

Compounding problem may be that there are several legal fees which occurred while loan was under XXXX XXXX. XXXX Forbearance rules, for this type of loan owned by XXXX XXXX XXXX do not allow for legal fees due to XXXX XXXX.
Product: Debt collection

CAINE & WEINER Original creditor : XXXX Has put a collections on my credit report. I would like this remark removed from all credit reporting agencies. I have no knowledge oft this debt nor own it. 

Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX
Product: Credit card or prepaid card

My payment is always XXXX dollars a month. I had fraud on it for over XXXX dollars last month to some online gaming. They raised my interest rate and added fees. I told them I was locked put of my account and I was having XXXX on XX/XX/XXXX. They sent a new card. I got and email stating my card was declined and it gives the last 4 digits of the new card. Declined at XXXX. I never activated it and never attempted to use it. Again I called and told them the fraud was coming from inside being the perps mew the 4 digits. I still could not access my account. I just got home from XXXX  XXXX and called them again to unlock my account They put me through sending them my dl picture and harrassed me like I was the criminal. I was told I had to pay XXXX dollars to get my account current! They raised my interest rate due go the fraud and added on on feed. All I wanted to do was pay my XXXX dollars and never use thier card again. Please help me. They would not unlock my account until now but, charged me fees that were unfair.
Product: Debt collection

XXXX is in direct violation of 15 USC 1692 ( d ) ( 4 ) : The advertisement for sale of any debt to coerce payment of the debt.

According to the FDCA, this is a direct violation of my rights and I am entitled to collect damages, minimum {$1000.00} for every violation that XXXX has committed against me. 
Synchrony Bank has equally violated my rights specifically as it relates to the aforementioned law code. 
I request that the alleged XXXX account ending in XXXX is immediately removed from my credit report. Should a XXXX representative choose to deny this request, you hereby understand and agree that XXXX is liable for the damages that have occurred due to any and all violations committed by XXXX which shall be restored with monetary relief.
Product: Mortgage

Since XX/XX/2019, I have been contacting New Rez LLC regarding our FHA Loan and the PMI cancellation. My spouse and I were denied on that inquiry, and resubmitted the request in XX/XX/2019 after making an additional principal only payment of {$1000.00}. On XX/XX/XXXX, the company acknowledges receipt of the payment and new request to remove PMI from the loan. The status of the inquiry sat pending from XX/XX/XXXX, until XX/XX/2019. After numerous phone calls from XX/XX/2019 through today, XX/XX/2019, I had gotten no where with the company. We believe at this point that there should be a refund of a couple payments of PMI that should've already been off the loan by now. Terrible customer service with no answers, or follow through that was stated on many of their calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2019, {$470.00} was sent to XXXX XXXX with the email address of XXXX via the XXXX XXXX hosted by USAA bank. I purchased a dachshund puppy from a person who told me his name was XXXX XXXX from phone number XXXX. On XXXX XX/XX/2019, the alleged shipper with an email of XXXX called me from XXXX ( XXXX, NJ ) at XXXX XXXX  telling me that the puppy required a specific crate and demanded I send them {$600.00} ( only through XXXX ) or else the puppy would die. I told them immediately that no legit company would ONLY allow payments through XXXX and that this is a scam. They continued to attempt to persuade me but I said no way you people are awful and ended the phone call. The individual who promised me a puppy that I paid for has continued to harass me regarding paying for this fraudulent shipment of a nonexistant puppy which I found out this scam is common, unfortunately, and there is a website devoted to warning people, but unfortunately I learned that too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit with the three credit reporting agencies. I was provided with a personal identification number for all three different agencies. I subsequently sought to unfreeze my credit with Experian. 

I attempted to contact Experian by phone but could not reach an individual or speak with anyone. I provided my personal identification number when requested but Experian, for some reason, Experian could not acknowledge my personal identification number. 

The Experian website requested that I submit documentation ( social security number, drivers license, etc. ) in order to have my credit report with Experian unfrozen. On XX/XX/2018 I submitted the requested paperwork to Experian. Today, XX/XX/2018, I have heard nothing from Experian, either by phone, email or regular mail, and, as far as I am aware, my credit has not been unfrozen. 

I am requesting your help to get Experian to respond to my request to unfreeze my credit and provide me with a contact person with whom I can speak if need be.
Product: Credit reporting or other personal consumer reports

I've recently gone through my credit report and noticed inaccuracies and discrepancies in the listed accounts. 

Equifax : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 
5. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report. 
6. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report. 
7. The status is incorrect for the following account Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
8. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 


XXXX : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


XXXX : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

This letter is sent in response to phone call received by you on I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision. Sincerely XXXX XXXX
Product: Consumer Loan

I upgraded my son 's XXXX in XXXX 2016 at the XXXX and set up the Personal Loan through Citizens One. My credit card expired after the first installment and when I tried to register for an online account to manage the account and set up a new card, the screen would go blank after completing all of the information. After XXXX attempts, I contacted customer service who recommended that I use XXXX XXXX or XXXX instead of XXXX ( this is an XXXX loan through XXXX ) Then I attempted to pay through the automated phone system and was told that they did not accept Debit cards. I called a 2nd time and was told to clear my browser history. Doing that would have cleared out the XXXX other windows I was intentionally keeping open because I was actively using them. A third phone call to request the information to set up automatic online bill pay through my bank was as unsuccessful as they " do n't do that '' nor do they take paper payments. They offered to take my bank account and routing numbers for them to keep on file. I declined as I had already spent 90 minutes on this problem and did not have my checkbook with me. I expressed my complete dissatisfaction with their Customer Service and explained that this had taken up an hour of my day. Never has it been more difficult to pay a bill than it is with this bank.
Product: Credit reporting or other personal consumer reports

Ive already made a report with IdentityTheft.Gov. I seen 4 unknown hard inquiries on my credit report today. Yet, Ive never approved for these company to run my credit.
Product: Debt collection

I had an account forwarded to Harris and Harris Debt Collectors. I set up a payment plan of {$330.00} per month until my debt was owed. I was able to pay off my debt in full on XXXX XXXX, 2020. They took out a payment on XXXX/XXXX/2020 of {$330.00}. I called and explained the situation and they told me they would give me a call back. no call back was received. I called again. They told me they had received another debt and that payment would be applied towards that one. I did NOT give them permission to do that, because I had paid off that debt with the originating hospital. As of XX/XX/2020 at XXXX eastern, i have called them 3-4 times about this issue of getting my money back and have been told every time that a supervisor would call me back. I have not received any call back.
Product: Credit reporting or other personal consumer reports

ResidentVerify from : XXXX via entrata.com to : date : XX/XX/XXXX, XXXX subject : Via Apartments : Decision Deny mailed-XXXX XXXX XXXX signed-by : entrata.com Dear _____________ Thank you for your application for residency with Via XXXX 
After careful consideration, we regret that we are unable to lease to you at this time, for reasons stated below. If you have any questions about this letter, please contact us by phone at ( XXXX ) XXXX or by e-mail at XXXX Sincerely, Via Apartments Reason for Denial : Criminal Unverified Information Identification Unverified Information Income ResidentVerify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ALL RIGHTS RESERVED MY REPLY TO ABOVE EMAIL CLAIMING " CRIMINAL '' TO THE LAWYER RUNNING THE UNREGISTERED BUSINESS VIA AN " AFFILIATE LICENSE PROGRAM '' ( which I have collected all the information about the affiliates, local lawyer 's side businesses as false and deceptive credit card " fee '' add-ons without TIL ) I AM SEEKING THE NAME OF THE MAN/WOMAN OR INDIVIDUAL WHO MADE THE BELOW ALLEGATIONS CAUSING INTENTIONAL HARM AND DAMAGES TO XXXX INNOCENT PEOPLE. 

SHOULD YOU FAIL TO DELIVER THE NAME OF WHO IS SLANDERING MY FAMILY AND OUR GOOD NAME, YOU SHALL BE CHARGED FOR INTELLECTUAL PROPERTY THEFT, DEFAMATION OF CHARACTER AND CONSUMER TORTS FOR HOUSING DISCRIMINATION BASED ON THIRD PARTY HEARSAY AND RELIGIOUS INTERFERENCE UNDER THE XXXX XXXX. 

WE DO NOT PRACTICE THE RELIGION OF HUMAN SECULARISM AND ARE APPALLED THAT YOUR ORGANIZATIONS RELY UPON IDOLATRY TO OPERATE IN INTERSTATE COMMERCE AND TRADE WITHOUT TRUTH IN LENDING WITH HONEST WEIGHTS AND MEASURES IN GOOD FAITH SENT TO : Office Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo Auto Loan Complaint Department responded back to CFPB complaint Number XXXX. This company has lied on me more than once. Exhibit A will show all incoming and outgoing calls. I have spoken with XXXX at Ext XXXX and XXXX at XXXX XXXX on XXXX please look at phone history. The phone calls was more than 15 minutes. The same company above lied like they never received my payment I mailed in the beginning of XXXX. I have been mistreated by this company and I suffer mental abuse. My XXXX payment that I mailed in was never applied because they wanted to repo my car. This same company has been in trouble for doing bad things to their customers now turn around and do me the same way and lie on me to make their company look good. I called in on XXXX to see have my payment been applied to my account. This company responded no and told me your account was closed on XXXX and demanding full payment or refinance the loan. The collection department was so cruel to me I couldn't believe it. I XXXX XXXX XXXX to the company on XXXX and will continue to pay on my account. I just went back to work in XX/XX/2023 and I made a payment with my debit in XX/XX/2023. I also made two payments in XXXX one payment was never applied. I have been treated unfair by this company and my account should be reopened due to dishonesty and mistakes that was not my fault. I have been taken advantage of by this company. Justice needs to happen I'm a frontline worker for my city and state. Wells Fargo need to do right by me and other customers. I put my hard earned money on this account and I get discrimnated because I caught XXXX XXXX and couldn't work until my doctor released me. I respectfully request Wells Fargo Auto Loan to apologize and reopen my account for their lack of dishonestly.
Product: Debt collection

I have recently been informed that there is negative information reported by IC System in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have three amounts owed of {$260.00}, {$280.00}, and {$100.00} as charged-off. The account is showing a balance along with the past due amounts of {$260.00}, {$280.00}, and {$100.00}. This is incorrect reporting. Please delete these accounts. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with IC System and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I recently sent a dispute to Equifax concerning XXXX XXXX XXXX XXXX ) - to delete an account that has exceeded the Date of the First delinquency. The XXXX for this account is XX/XX/2016 ; thus. Now it is XXXX years later, and based on the law, this account has to be deleted. That is the first problem. 

The second problem involves Equifax failing to delete the account- they allowed XXXX XXXX to " re-age '' the account ; thus, it was reported as if the delinquency just happened recently, dropping my credit score XXXX points! A closed account can not be reported as new or re-aged as new. That is another FCRA Violation. 

I am requesting this account be deleted based on XXXX, past the seven-year reporting period, and reporting the account as " re-aged '' and lowering my score.