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

To Whom it May Concern, While checking my most recent credit report, I noticed a late payments that I did not authorize, I am unaware of, and believe to be fraudulent made by the following companies : Accounts : 1. ) GOLDMAN SACHS AND CO ( XXXX and XX/XX/year> ) I believe this was never late and paid as agreed to be removed on file. This is a violation of the Fair Credit reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. As well as Section 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purposes. 

All three credit bureaus are reporting incorrectly, XXXX, XXXX, and XXXX and need to please be contacted to get removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file with Equifax for a delinquent account with an unpaid balance of {$310.00} reported by XXXX XXXX XXXX XXXX ( account number XXXX ) which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. Equifax and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Debt collection

I have written many letters to LVNV to dispute this account that LVNV is reporting on my credit. I am not familiar with this account. I asked LVNV to verify this debt for me. They have yet to do so. I am at my wits end. they need to verify this account or delete it from my credit.
Product: Mortgage

Ditech has approved a mortgage modification for me, and I 'm grateful for that. However, they will not allow me to pay online, they will not accept my debit card over the phone, and they want to charge me {$12.00} to make a payment by phone. It 's the {$12.00} that I 'd like investigated. If they 'd let me pay on line ( free for all customers ) then the {$12.00} would not apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states this account is accurate. How is that so when they failed to provide a XXXX release between me and XXXX XXXX for account # XXXX amount {$3600.00}. Also they never provided... 

1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for or delete ; 2. Provide 1099c and credit insurance or delete ; 3. Provide original signed purchase agreement with me and XXXX XXXX or delete ; 4. Provide payoff disclosures, interest rate disclosures or delete ; 5. Provide collections ; license number and court documents that allow XXXX XXXX to continue to pursue this debt in Florida or delete ; XXXX. Provide documents that states this account was purchased or is XXXX XXXX collecting on the original account holders behalf or delete. 
7. Provide the name and phone number of the contact Equifax states verified all of the above. 

This account has been removed from XXXX and XXXX due to many violations and could not provide a written signed contract between me and XXXX XXXX. So what has Equifax received that the other credit bureaus did not?
Product: Debt collection

I never received any type of information about the debt on my credit nor do I have any idea of what the debt is from.
Product: Prepaid card

I purchased a prepaid card on XX/XX/XXXX. Card did not work for any purchases. Incomm admits card was funded properly but they " locked the card for my protection ''.

I called Incomm on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent requested documents via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I have been repeatedly told to " resend '' documents and/or " wait XXXX hours ''. 

Incomm has taken no action. They are fraudulently withholding my funds.
Product: Debt collection

This person claiming to represent pioneer credit called both my children and discussed a debt that i supposedly owe this company. This loan is not only XXXX years old ... it was paid off with my XXXX insurance i took out on the loan
Product: Debt collection

Enhanced Recovery Company has reported a collection account to my consumer credit file in the amount of XXXX. I do not owe this alleged debt. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.
Product: Credit card or prepaid card

I filed a dispute on XXXX to NetSpend for charges that were made in la the same day I brought the remind you I stay and brought the card in XXXX Recently I had a XXXX and just got out the hospital I went to activate the the card they send u to d find out money has been taken from my account told NetSpend all of a sudden my card is closed never gave me a notice of account closure they say it's due to unusual transactions but I haven't used the card there is no transaction
Product: Mortgage

I filed for a deferment on the mortgage and was approved. The company continued to report late payments although the deferment was set with the company and I completed all necessary paperwork. I sold the home on XXXX and a wire was sent to payoff the full balance. The company reported a late payment for the month of XXXX because their accounting department did not payoff the loan. State Home reported another late payment and did not close the loan. They found payment on XXXX. This has caused me to be denied for an apartment because the mortgage is in arrears. 

State Home Mortgage Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When my husband lost his job I closed my American Express account unaware that I would have to pay the balance in full. After alot of back and forth I was set up with a payment plan through a collection agency. I was assure that the my account and credit reporting information would show current. After paying the collection agency for over a year on time American Express XXXX XXXX XXXX 'd my account and sold it. They said I was past due even after I explain my arrangement. I then pulled my credit report which showed past due for all the months I paid on time. I got a letter a few months after contacting them and was told they made a mistake and corrected my credit report to show on time for 6 months. I heard nothing more from them. I called today after pulling my credit report again and finding they are still reporting me past due and attempted to make arrangements again. They agreed to a monthly payment of {$100.00} until they account was paid but stated they would continue to show me past due until the account was paid in full. Paying on time every month will do me no good in repairing the credit they destroyed.
Product: Credit card or prepaid card

I contacted Discover in regards to a " XXXX XXXX '' program, involving the freezing of charging privileges on the account, combined with a lowering of the interest rate to 9.99 %, and automatic payments of {$14.00} per month, paid on the XXXX of the month for a period of XXXX months, or until I was under the credit limit, at which point I was free to be removed from the program upon request and verification. 

Upon requesting removal from the program, I was told ( falsely ) that this was not possible. The argument became quite heated, and it came to the point where I 'd said that we either need to find some remedy, or close the account, and that I would wait for the debt to age out. I eventually began using profanity, and she told me she would terminate the call. I told her to " go XXXX herself '' and she hung up. 

Upon calling back to speak to another representative, I received a notification that an email was received from XXXX. The email said my account had been closed. 

This happened without a proper request for authorization on my part. Me being angry does not constitute a verbal contact, as there is no agreement portion involved, and because of that, it 's also not enforcable, because it 's unlawful. 

I 'm seeking the maximum damages, as this resulted in my losing access to the money that I put into the card before my request ( {$260.00} ). Also, it damaged my credit report because this was a closure of my oldest account. 

They refused to provide a copy of the internal complaint I submitted for " security reasons ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 @ approximately XXXX XXXX I phoned into Experian using XXXX XXXX XXXX XXXX in hopes of reaching a live agent to assist my husband in deactivating and account that was fraudulently opened in his name. When he attempted to call from his own cellular device, he was not given the option to speak with a representative. Being as though I did have an account it allowed me to speak with a representative. The representative was a female and was explained the reason for the call. When she asked to verify my information I never gave it to her and explained that the individual that needed to speak with her was sitting right next to me. She then spoke with him and gathered his personal information. She advised him that she had deactivated the account he did not subscribe. I now check my email and this lady must have deactivated the wrong account and somehow reactivated it. I am actively in credit repair and have someone working on my credit. She deactivated my experian boost as well bc it's no longer there.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$190.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5000.00} Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Original collector : XXXX Iv never had sprint as a cell phone carrier this needs to be removed Alleged amount owed : {$4500.00} XX/XX/XXXX as showed on my credit report
Product: Credit card

I have made phone contact and have sent letters twice regarding two disputed charges made by the same merchant but my credit card company has refused to offer a reply and they have simply ignored my communication
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 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 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 has violated my rights. Or 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: Checking or savings account

On XXXX XXXX i opened an buisness account for my LLC at Chase Bank XXXX in XXXX XXXX at XXXX XXXX XXXX -the LLC was formed in order to buy real estate in the US.Everything was ok throw the years, with no problems. 
My account was always with money in the account. 
On XX/XX/XXXX i recived an email informing me that my balance is XXXX, i immediately checked online and saw there is a pending check for the balance that was in the account and after a few hours the account disappeared and i couldnt reach it. 
I was afraid it was a fraud and contacted that bank in the secured messages and throw the phone- on that call i was iformed that the bank decided to close my account, and that the decision was made back on XX/XX/XXXX, they said it is a final decision, that its irreversible and that they do not have to give me the reason. 
What happend was that on XX/XX/XXXX i found out there were XXXX fraudulent wires from my account ( XXXX on the amount of XXXX $ and XXXX on the amount of XXXX $ - total of XXXX $ ) - the wires were from XX/XX/XXXX to XX/XX/XXXX. 
I asked the bank to get a refund for these wires, and they responded that it is my responsebility to check my account and they refunded only XXXX $ from XXXX. 
I contacted them back and explaned them that i am from XXXX, and because of the war and the bad situation in my country i did not manage to check the account these months and asked for their consideration, the responce was that they will see what they can do, i didnt get any answer and on XX/XX/XXXX i asked again- and got the same responce- that they will not pay the rest of the amount... 
Never did i get a notification that they decided to close my account! no email, no letter!! 
They said that they will send the balance by a check to my mailing address in XXXX, but i cant do nothing with this check in XXXX since it is a US LLC- i will have to fly to the US and open a new account in a different bank. 
I feel they did that on purpose for XXXX and XXXX reseons only- there is no other reason! 
I want to receive compensation for the unfair treatment I received and which also damaged my business activity.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX LOCAL GOVERNMENT FCU/P # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted at XXXX from a XXXX XXXX in regards to a claim about to filed against me. My mother was also contacted and left the same exact voicemail, but XXXX stated they were looking for me. The voicemail is attached below. When I called the company, Waypoint, I spoke with XXXX and asked for debt validation and their purchases agreement, she told me I would have to contact the original loaner. She told me I would end up having to pay close to {$5000.00} but they would settle for {$1800.00} and a {$500.00} payment today. I asked XXXX if this was a debt collection agency and she stated no, i asked if it was a law firm and she stated no. She told me their company just mediated payment between the original loaner and the consumer. Everything sounded fishy so I contacted a lawyer who confirmed my suspensions.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XXXX, there was a coupon-based promotion run by Paypal on purchases at XXXX that state {$15.00} off when you make a purchase of {$15.00} or more. Many customers including myself saved the coupon offer on Paypal, saw the {$15.00} off apply during checkout, and got the Paypal email receipt showing only the remaining balance above {$15.00} should be charged. However, we got charged the full order amount. I personally paid with Paypal balance so you would think it can easily be refunded by Paypal. 

I attempted to contact Paypal support as well as transaction dispute immediately to resolve the issue and got a response that they can only issue a {$15.00} voucher for future use because they can not go back and apply a voucher that should have been applied, and even that voucher needs to wait until they get communication so no clear timeframe of resolution. This is clearly not an acceptable resolution as I would not have placed the order if the {$15.00} offer didnt apply, and I do not want a {$15.00} offer for future use, I need it refunded. 

Paypal response : We were advised of this issue occurring on this type of transaction, I'm sorry to hear that you were affected. 
We are working on getting these resolved with our affected buyers who are experiencing this. 
Once it's been completed, you'll get the voucher for {$15.00} that should have applied. Once the payment is captured, we're not able to go backwards to apply the discount that should have transpired. Sorry. 
Thanks for your patience while we work through this issue. 

Paypal response : There are some things beyond our control when it comes to the rewards we offer to our customers. 

If others are saying a refund is being done, I've not been communicated that yet on our end. 

Currently we have not been updated yet on any resolution on this matter. I'll leave the chat open another 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to Experian requesting an investigation of the inquiry thats on my credit report. 

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX XXXX ''. I never applied or authorized this company to check my credit. 

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX XXXX ''. I never applied or authorized this company to check my credit. 

Experian failed to re-investigate. I also sent a letter to the company requesting for proof of this authorization, yet I received a response.
Product: Mortgage

My complaint is that I wish to be considered a member of the injured parties to receive compensation in the Wells Fargo settlement with CFPB. 

I was recently told by Wells Fargo that their research shows that I am not currently part of the settlement. 

I believe that I was legitimately injured by Wells Fargo 's actions while managing my home mortgage. I believe that my inconveniences should be remediated through inclusion in the CFPB settlement. 

The mismanagement of my mortgage took place when : ( 1 ) I was told I would qualify for a modification, but only after going into arrears ; ( 2 ) being denied a modification, multiple times, because the mortgage type could not be modified ( not true! ) ; ( 3 ) if the mortgage truly could not be modified, I should have been told that when I first requested a modification before going into arrears ; ( 4 ) the house being sold in foreclosure even though the mortgage could be modified. 

I have already received a detailed explanation from Wells Fargo of how they handled my mortgage requests over the years. I am filing this complaint to receive full consideration for inclusion in the settlement with CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX  XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Hello, I have a complaint related to overzealous over draft fees of Citizens Bank, and their systemic ignorance in notifying their customers of the fees. We have 2 accounts with Citizens Bank -- a checking account, and an Equity Line of Credit. The checking account is the default credit  account for the equity line of credit. 1 ) XXXX XXXX we paid off equity line of credit and left it open without any balance. We also called customer service to make sure no other fee is accessed on the checking or equity line of credit. 2 ) XX/XX/XXXX7, an annual fee of {$25.00} was accessed on equity line of credit account and checking account was automatically debited as the default crediting account. 3 ) On XX/XX/XXXX, an overdraft fee of {$35.00} was assessed on the checking account. 4 ) OnXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a service fee of {$30.00} was assessed 3 times on the same checking account for sustained overdraft, for total of {$90.00}. 5 ) However, during these period, the Citizens Bank only sent notification to their own document center, without notifying us in any other ways through email or phone. 6 ) We only found out these charges after they finally sent us a letter onXX/XX/XXXX. As you can see, Citizens Bank work hard NOT to actively notify their customers of the over-draft fees, but they actively and overzealously charging their customers at the same time. The equity line of credit annual fee is only {$25.00}, but Citizens Bank now charges us {$120.00} in overdraft and service fees within 10 business days by piling on various fees. This is outrageous, borderline of a loan shark. Thanks for looking into this.