23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A few weeks ago, I remitted a payment to XXXX XXXX XXXX for a minimum payment of {$180.00} dollars which was submitted on my due by date of XX/XX/19. The payment was an on time payment, and wasn't late. Two days prior, I made a deposit at bank with my paycheck of a large sum of money, and later found out that my check was coded incorrectly while depositing it. The paycheck wasn't clear to deposited into my account on time due to a banking era, which was caused by mishandeling the check improperly at bank. It caused my payment at XXXX XXXX XXXX alone with some other payments I had made, to return as insufficient funds on all my accounts I had paid out. I put the funds into the bank in good faith to have my bills paid on time. After I found out some days later, that the bill wasn't paid, I went to the XXXX Store here in XXXX XXXX, Mo. to pay in person and instead of paying the minimum payment, I paid {$1900.00} dollars on the account to get caught up. Two days after I paid {$1900.00} dollars, XXXX closed my account and gave me a thirty day late payment on my credit file. I've had this account for over two years with no thirty day late payments. Not Even One ... I pay my bills on time. It's not my fault the bank made an era on their part. I would like to have this late payment removed and my account restored.
Product: Debt collection

This debt collector has performed unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to full monetary compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This situation has caused me so much stress and fear.
Product: Debt collection

These XXXX  at Bestbuy said they could put it on hold but they straight up didn't. 

Not only did they not put me on hold, they contacted the debt agency and also kept sending me credit debt emails as if I never spoke to a representative at all. 

I told them time and time again that I needed time and they said they'd send me something in the mail so we could work something out but I never got anything and my credit score took an even bigger hit out of nowhere. 

Not only that, the debt has gone up by like... XXXX XXXX??? I just paid these XXXX not that long ago and they're upcharging me like crazy on purpose. It's BEST BUY interest for crying out loud...
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX$18000.00} XXXX XXXX XXXX {$590.00} XXXX Bank XXXX. XXXX {$9700.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$18000.00} XXXXXXXX XXXX XXXX XXXX {$1000.00} I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Ensuring timely payments on this account has always been my priority, never allowing them to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$1100.00}
Product: Checking or savings account

I have been with Wells Fargo for over 20 years. Although I have all procedures in place to Not have any free deducted they are still being deducted every month and or billed to me. 

I have 5 different account all which have in place not to get charged fees when in fact they do.
Product: Debt collection

I, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 USC 1692 ( a ) ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt. I am aware and have proof that Midland Credit Management has violated 15 USC 1681 ( a ) ( 1 ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 3 ), 15 USC 1681 ( a ) ( 4 ). On XX/XX/2023 I sent Midland a letter to validate the debt they claim I owed. I have disputed the alleged debt multiple times and allowed Midland Credit Management appropriate time to show evidence of the alleged debt they claim I owe. They have disregarded these repeated requests and only sends a bank statement. They have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have suffered severe humiliation, embarrassment, emotional distress, and physical discomfort. I have been getting denied a car loan. Because of this I have missed multiple days of work due to no reliable transportation. Midland has violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Checking or savings account

On XX/XX/2022 I woke up to my account in the negative on my payday. When I inquired with Bank of America the employees stated this was a legal order they had received But no Proof of their claim has been presented to me as of today.
Product: Mortgage

I was under a forbearance plan when my account got transferred to PHH Mortgage. I was told that no bad credit reporting and no late payment charges was going to take place while I was on the plan. When I got transferred I started to receive harassing calls and was told i needed to pay all my payments at once or go on a repayment plan right away. I was without a job and had no money to pay. I managed to pay for al the payments and then after a year PHH bills me for inspections and other fees when the inspection took place I was no longer behind on my mortgage. I demand that all those assessment fees be taken off my account or credited. PHH failed to follow my forbearance plan prior to the account transfer to them, they also failed to give me assistance and demanded I pay all my payments.
Product: Student loan

I have sent a letter to AES requesting information ( see attached ) on how to be released from being a co-signer and they keep responding with a blank form letter asking for more information. I feel that they are being non-responsive to a situation where the Originator has demonstrated excellence in responsibility. I still want their policy on how to be removed from the loan.
Product: Mortgage

I responded to an email from Wells Fargo to refinance my home mortgage. The email stated how easy it would be since I was already a Wells Fargo customer. Wells Fargo purchased my mortgage last XXXX. I spoke with a mortgage specialist. He obtained my credit report. After going over my credit report he said there looked to be no problems, that we needed to proceed, and we should close in approximately XXXX days. He said we needed to order an appraisal of the house and said there would be a {$500.00} fee for that and I needed to pay it immediately. I paid the {$500.00} ; the appraisal was performed by a Wells Fargo employee. Then I heard nothing. The mortgage specialist then said the underwriter was looking at a short sale I was involved with in 2011 when I sold my home in XXXX, Michigan. He said the underwriter wanted proof the house was sold. I submitted the requested documents. Again a period of silence, I inquired about the status of the loan and was told Wells Fargo was rejecting the loan application since XXXX years had not passed since the short sale. The XXXX year anniversary will be XXXX XXXX. However, Wells Fargo purchased my mortgage last year when I was only XXXX years removed from the short sale. I fail to understand how I was a good credit risk a year ago, but I am unqualified now. I have never been late or missed a payment ; my income-to-debt ratio is the lowest it has ever been ; the loan-to-value is 52.32 %. Wells Fargo faced very little risk if they made this loan. 
My grievance is that the mortgage specialist had my credit report. The credit report shows the negative short sale of 2011. He stated that everything looked good and we needed to proceed. If there was a question of my creditworthiness there was no need to rush ahead with ordering the appraisal. My creditworthiness should have been ascertained prior to ordering the appraisal. It was nothing short of a money grab by Wells Fargo.
Product: Checking or savings account

Flagstar Bank suspended my account today and wont give me access to my funds. There is about {$15000.00} in funds that they are keeping from me. I called them today to find out whats going on. They wouldnt tell me anything on the phone. They said someone would call me back. They never did!
Product: Debt collection

After noticing the derogatory remark on my Credit report I contacted them. to try to resolve the matter and was made to feel very uncomfortable and threatened to pay. So I made a payment to have it removed to only see that a month later I is back on my report but with another collection company .It went from Frost to XXXX XXXX XXXX  . I feel like my personal medical information is being passed around and used to get money from me in these tough times. I have been very irresponsible in the pass but I have learned to be more careful with my finances. Please help me to correct this situation
Product: Credit card

Opened a credit card account with Bank of America and charged using a 0 % APR promotional rate. According to BAC that rate ended on XXXX/XXXX/2015. On XXXX/XXXX/15 BAC sent me a statement that indicated a balance of {$6500.00} ( I have no idea where that XXXX came from ) with NO indication that any interest would be charged to the account, no indication ( as they NOW tell me ) that I need to call them for a payoff amount. I immediately sent them a check to cover the ENTIRE balance ( {$6500.00} ) which they credited to the account XXXX/XXXX/2015. To me that should have paid the entire account in FULL. The next month I get a statement from BAC claiming that I now owe them {$25.00} in interest on the account. I feel that is VERY DECEPTIVE ; consumers should have an expectation that paying off an account IN FULL well before the due date ( indeed, only 8 days past the statement date ) that there should be NO huge interest fee charged unless there 's some indication on the statement that this will occur. This is a very deceptive practice and I 'm sure I 'm not the only one who has been scammed by this.
Product: Mortgage

I am the confirmed successor in interest. The servicer said they can not issue escrow overage in my name. I ask them to apply it to the principle. I got a message that a change occured. But no payment was applied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I,, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Securit

y Number. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am trying to link to my account and it has stated that PNC will not allow it.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit card or prepaid card

I use a general purpose debit card with the Mastercard logo issued by Key Bank. I use this card only to get cash at the ATM in XXXX. On XX/XX/XXXX I noticed some {$2000.00} + of fraudulent charges on my card statement. I immediately called the Bank and had the card closed. The bank then investiged the fraudulent charges. 11 days later, they concluded that they were not at fault, largely because I had not lost the card. Since that time I have been investigating on my own. One transaction for an amount over {$500.00} was made at a major retailer. I was able to gain the name of the person making the purchase from the receipt. {$640.00} in fraudulent purchases were made at an XXXX bingo parlor, which was not open to the public at the time. When I inquired at the parlor about possible survelliance video they weres, I was told that they were kept on ly two weeks, so they had no information. I plan to initiate legal action in both of these cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied for a loan through XXXX, my score showed XXXX and I called Equifax I was told it was the car company 's fault. In XX/XX/XXXX, I applied for a personal loan, and was told again that the issue was with the loan company. In XX/XX/XXXX, I am trying to purchase a home. Last month, in the beginning of XXXX, I called Equifax again to report that the mortgage companies could not pull up my information. I was told it was the mortgage companies ' fault. I explained that I had asked for help from four different mortgage companies. I asked to speak to a supervisor. I was told that the wrong name and address were on my credit report. I was told that I needed to get my SScard and Drivers license and send them over. I had to order a copy of my ss card, so I could not send the information just then. I called XX/XX/XXXX, after I was able to get the card. I was going to send the information over, but I was told that I just needed to change my middle initial. I received a letter a couple of days ago stating the issue was resolved. I asked the mortgage company to pull the information, it did n't work. I called for help from Equifax. I was told I needed to fax the information ( ss card and drivers license ) to XXXX. Today, I called to confirm that the information was received and I was told that I need to fax the information to XXXX. I have been hold for a bout nearly an hour now, waiting on a supervisor or someone that can help me. I just want to buy a home. Can someone help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent disputes XX/XX/2022 to XXXX, XXXX, & TransUnion to remove information under Public Records regarding bankruptcy. XXXX XXXX XXXX have stated two time ( XXXX & XX/XX/2022 ) the information has been verified. TransUnion stated the information as verified ( XX/XX/2022 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX {$730.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card

In accordance with the fair credit reporting act this creditor XXXX/kay has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plam as late for any purpose. 
late payments stated XXXX of XXXX late payments stated XXXX of XXXX late payments stated XXXX of XXXX please DELETE these late payments off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reached out with a demand to comply letter to Equifax to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the fraudulent inquiries on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.
Product: Credit reporting or other personal consumer reports

Hi, I disputed the unauthorized transaction for XXXX / XXXX with Experian, and the dispute report # XXXX did not find the mistake. 
Back in XXXX, I found many fraudulent transactions and called XXXX to cancel the account, but it kept sending the statement to ask for the payment I did not authorize. 
It affects my credit score a lot. Could you please help me to solve this problem? 
Thank you. 

Best regards, XXXX XXXX
Product: Debt collection

This does not belong to me and this company just placed on my credit file. I have NO XXXX collection. I have requested validation, verification etc and nothing has ever been sent to me. Please help