23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

To provide context to the situation, I want to explain the circumstances that led to my opening the case with Banker over the Phone. On XX/XX/year>, I traveled to XXXX and returned on XX/XX/year>. Prior to my departure, I diligently set up autopayments for my credit cards. 
Unfortunately, for reasons unknown, the auto payment did not go through, and I did not receive any notifications during my travels. Upon my return, I promptly made manual payments and reinstated autopayments. Regrettably, due to the missed autopayment during my travels, my credit score suffered a significant drop from XXXX to the XXXX range.Throughout my banking history, I have maintained a strong financial record, consistently meeting all my financial obligations in a timely manner. The sudden and significant drop in my credit score has come as a surprise and is distressing, given its direct impact on my financial standing and opportunities.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act. Specifically, these entities have breached the following federal laws : 1. 15 USC 1681b ( 2 ) : Unauthorized access to my credit report.

2. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information.

3. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification.

4. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. 
Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability.
Product: Mortgage

I contacted Wells Fargo for a loan modification on the mortgage for a rental home that I have had since XX/XX/2009. The costs have continued to increase every year for the past 15 years, while the Section 8 rent can not be increased and the tenant owes more than {$5000.00} in back rent spanning the 15 years. I can't evict the tenant because I don't have the money to rehab the house for a new tenant. The housing market crashed not long after I purchased the property, so there has never been enough equity to refinance to a lower interest rate. I struggle to pay the mortgage AND make needed repairs to the property. 

I am still paying 7.25 % interest on this loan which is double current rates. Wells Fargo 's " modification '' is to just increase the length of the loan to 40 years at the same 7.25 %. I currently only have 15 years left on this mortgage and Wells Fargo is trying to make me agree to a 40 years term. Wells Fargo told me to stop trying to make payments during their months-long review of my application for a modification. Now it seems they are adding the back payments to the balance as 100 % interest without applying any of the back payments towards the principal. But I don't really know what they are adding to my principal because they won't give me a specific breakdown on how they have inflated the amount owed. They say they can not give me an amoritization schedule until AFTER I am locked in to their " modification '' .So I can't even see how much excessive interest they going to make off of my hardship. If I refuse the modification, the total back payments of {$3200.00} becomes immediately due and Wells Fargo will start foreclosure on the property because I don't have {$3200.00}. Wells Fargo is not offering a fair modification, they are just maximizing the amount of interst that they can get away with charging me.
Product: Credit card or prepaid card

Discover Card has duplicated and, in one case quadrupled, charges on my account. I have called four times over three and a half weeks to resolve the issue. Each time getting transferred and left on hold. Discover says they are aware of the problem and working to fix it. The last person that I spoke to said she would fix it right then. Its been over a week and has not been fixed. Im currently on hold with them for the fifth time about this same issue. The charges add up to hundreds of dollars that has put me over the credit limit which was reported to credit bureaus and affecting my great rating. They are charging interest on these charges. Charging me double and quadruple for a single purchase is theft. I have notified them and asked them to fix it multiple times for three and a half weeks. They continue to charge and are not fixing it. My autopay accounts are getting declined because of these duplicate charges running my balance over the credit limit. 
The charges range from XX/XX/XXXX through XX/XX/XXXX. There are 13 duplicate charges and one quadruple charge totaling hundreds of dollars.
Product: Debt collection

Diversified Adj Serv Inc at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX who collect debt for XXXX. I had XXXX service for 1 month and was dissatisfied and ported my XXXX lines out back to XXXX in XX/XX/XXXX, I paid my last bill of {$270.00}. Apparently, I had a free line by XXXX that was not requested and was continuing to bill unknown to me. I had XXXX personal & XXXX business line. There is no need for XXXX line. I never received in correspondence from Diversified Adj or XXXX. Today XX/XX/XXXX reviewed a credit alert and seen the collections account listed and reported as delinquent When I called XXXX the address on file was over XXXX  years ago not sure how that is??? I had no idea XXXX was billing for service I did not have!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough investigation on my report and the did their investigation and responded with everything being verified. I did a thorough investigation my self and notice their were still inaccuracies after their investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX In accordance to fair credit reporting act XXXX  accounts 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted : LVNV FUNDING LLC - 4 DISPUTE LETTERS XXXX XXXX - 6 DISPUTE LETTERS XXXX - 6 DISPUTE LETTERS XXXX - 3 DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT LVNV FUNDING LLC, XXXX, AND XXXX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! XXXX AND XXXX KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH LVNV FUNDING LLC, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!
Product: Credit card or prepaid card

In XX/XX/2021 I paid off my credit card with Goldman Sachs. In XXXX and XX/XX/2021 I had thousands of fraudulent transactions on my credit card. I have dealt with Goldman Sachs for 7 months to get all of the transactions resolved. They are still not all resolved. Also, through all this, I have not made a payment on the fraud balance and so Goldman Sachs has been reporting me 120+ days past due on my credit report.

Goldman Sachs has resolved all but {$120.00} of the fraud balance. 
I have spent hours on the phone with them and each time I call I hear the same story. " We will escalate this to the appropriate department and someone will call you within 90 days ''. NO ONE has ever called me nor has anyone corrected anything. 
I just want the remaining balance to be XXXX and my credit restored to the way it was prior to the fraud, which was 100 % perfect payment history.
Product: Credit card or prepaid card

I contacted American Express on XX/XX/2021 to inquire about when I could expect the second half of the " Points Plus Promotion '' welcome bonus on the Hilton American Express card to be credited to my Hilton account. I was told that Amex had no record of the second allotment of XXXX point being due on my account and was asked to upload documents to prove the terms that had been in effect when I applied for this card back on XX/XX/2021. Rather inconvenient having to dig up details for a card I had applied for 5 month before, but I found and uploaded the screenshots of the offer page. I asked for a case number and was told there wasn't one since this is a " internal case. '' After hearing nothing, further I checked in again on XX/XX/XXXX to verify at least that the case was still in progress and was told that it was still be reviewed. After hearing nothing further, I checked in again on XX/XX/XXXX and was told that the case had been closed because I hadn't provided the screenshot evidence ( I had not been notified that the case had been closed ). I advised that I did submit the requested evidence back on XX/XX/XXXX and was told that it wasn't received and that I should re-submit it, which I did. I then checked in again on XX/XX/XXXX to confirm that my uploaded evidence had been received, I was told that it had been received and linked to the case. I checked in again on XX/XX/XXXX to verify that the case was still at least in-process and was told that the offer I was asking about was not linked to my card ( going around in circles now ) I was then asked for the case number ( which was never provided to me even though I asked for it ). In addition I was disconnected 4 times during over an hour long chat session just trying to get the status and case number. Finally I was told that I should call in for better results. This seems to be going absolutely nowhere and I have wasted hours of my time chasing what should have been credited to my account automatically when I fulfilled the spending threshold within the timeframe specified.
Product: Credit card

I had opened a First Progress Secured Credit Card on XX/XX/XXXX. Since having the card, I have had perfect payment history, as this card is advertised as a " great card for credit rebuilding ''. 
On XX/XX/XXXX I had used the card to make a purchase of {$510.00} ( I had a {$1000.00} limit ). 
On XX/XX/XXXX, I had used to the card to make a purchase of {$79.00}. 
On XX/XX/XXXX, I made a payment to First Progress for the entire outstanding balance of {$590.00}. 
On XX/XX/XXXX, First Progress closed my account. They said they had sent me a letter asking for proof from my bank that I sent my payment ; a letter which I never received. They did not call me from customer service either. 
On XX/XX/XXXX, I had called First Progress Customer Support, to inquire as to why they would suddenly close a " secured credit card '' account without notifying me. Their explanation was that " I didn't reply to their letter within the required period of time ( the letter which I never recieved ), and for " security reasons '', my account was closed. 
When I then inquired about the refund of my {$1000.00} deposit, they informed me that it would be mailed to me. They told me that this process takes up to XXXX weeks!!! I find this totally unacceptable for several reasons : First, this will negatively impact my credit score by lowering my age of credit, as well as 3 years of perfect payment history, Secondly, I no longer have this {$1000.00} of credit available, Third, taking XXXX weeks to refund my deposit seems almost " criminal '' to me, as I know that First Progress will be keeping my security deposit in an interest bearing account and making money and profit off me in an underhanded manner ; I asked for them to expedite the repayment of my security deposit and as told that I would have to contact their " back office '' as ask for them to expedite my repayment, however they did not guarantee in any decrease in this XXXX week wait for my refund. 
Lastly, this is going to negatively effect my credit by lowering my age of credit, available credit and overall payment history.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting or other personal consumer reports

On XX/XX/year> I mailed letter to each one of these companies requesting that these accounts be closed and removed from my credit report. No actions have been taken, now I am requesting again that these accounts be removed from my credit report due to identity theft. 

XXXX XXXX Account Number : XXXX Balance Owed : {$170.00} Huntington National Bank Account Number : XXXX Balance Owed : {$250.00} XXXX XXXX Account Number : XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Balance Owed : {$42000.00} XXXX XXXX Account Number : XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$200.00} XXXX XXXX Account Number : XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$780.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance Owed : {$84.00}
Product: Credit reporting or other personal consumer reports

I contacted Transunion on XX/XX/XXXX around XXXXXXXX XXXX and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXX!!!! She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me XXXX questions and secured the account within XXXX minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!! XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXX XXXX and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX
Product: Checking or savings account

I opened my checking account ending in XXXX on XX/XX/2023 at the branch located on XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX. Since then my debit card never arrived, so I requested an update on my mailling address. 
Now I tried to request a new debit card through the call center because through the app and mobile banking webpage doesnt allow me, just allow " debit card activation ''. 
At the call center they just said they cant verify me without asking me anything. 
They have all of my details such a email address phone number and all my personal information. So I dont understand why they didnt ask anything to " verify ''.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am directly submitting this complaint without any third-party intervention. Attached are letters providing detailed information about the discrepancies in my credit report. The credit bureaus Transunion, XXXX, and XXXX have reported erroneous information with inconsistent and outdated dates.
Product: Credit reporting or other personal consumer reports

As of, XX/XX/year>, I have published to the public records a Copy Right Notice of my Name, Estate, and personal private information to be private. I never gave this company permission to furnish or sell any of my personal private information. I have already disputed the matter with CFPB about the volition of my private information being furnished, without my permission and the issue still has not be resolved. The damages this company is causing are not allowing me to utilize my consumer credit because of all of the inaccurate reporting. This company is committing Fraud and Copy Right infringement and shall resolve this issue without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, NOR did I authorize these companies to pull my credit. Additionally, there are addresses that are not mine on my credit profile.
Product: Debt collection

My XXXX year old daughter considered attending XXXX university in XXXX Ma last XX/XX/2017, She registered for several classes but decided to return to her former college instead, She never attended any classes and there was not a single class paid for nor a deposit Made Any other college would not honor registration without payment. 
This college is using predatory tactics to extort money from my daughter with out Any class attendance or exchange of services ... 
There were no services rendered ....,!!, My daughter is now receiving collection notices for classes that were never attended In the amount of XXXX. From XXXX XXXX XXXX XXXX  ... out of XXXX pa This is extortion.
Product: Debt collection

I sent a letter to the company asking for proof that account was mine. They sent what proof they had but this still does not prove it is my account. The address listed on the account is not mine.
Product: Credit card or prepaid card

On XXXX XXXX I received a notification from XXXX XXXX that my score went down and went I look I saw that a American express card was opened with a credit limit of {$1000.00} and a balance of {$330.00} and it wasn't me so I called American express to notify them about my issue and they told me that I don't have any account open with them so I called XXXX and made a dispute with them
Product: Debt collection

Judgment was issued pursuant to a continuance of unlawful detainer for FINAL damages and rent. 

plaintiff was XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX The notice of hearing ( XX/XX/XXXX ) to establish was for XXXX and included XXXX in attorney fees ( I have this document ). 

The final judgment was for the amount of XXXX which I paid in full with interest on XX/XX/XXXX. I have the receipt for this payment. 

I am still receiving letters that include threat of legal action from the collection agency unless a balance of XXXX is paid. This balance was changed from XXXX initially and they claimed it was for legal fees which the judgment said were 0. They have not followed through with any legal action. I do not owe any of this money per the judgement. It is now XX/XX/XXXX and the letters keep coming.
Product: Debt collection

Phoenix Financial was contacted regarding a medical debt on my credit report. I am uploading a copy of the letter that I mailed to them. Also proof that they did receive my letter. They have failed to provide me with proof of this debt. They have violated my HIPPA right s because I have not provided them my consent to pull my medical file. I have enclosed what I received from them. This is not proper documentation for validation of debt. I have reported them to the proper department for violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  hit me with a 30 day late payment on my credit report after they failed to draw payment from the correct account. I have three credit cards, and had one mortgage with the company. All of the automatic payments were set to draw from my XXXX Checking account ( XXXX ) for an easy payment process. One of my credit cards was being paid manually, and I set it for automatic payments in XXXX. XXXX tried drawing the funds from a XXXX account that I had closed in XX/XX/2019, instead of my XXXX Checking account like they were supposed to, and where all of my accounts have been set up to draw from. The bank has placed blame on me for their error. I have never missed a payment, and I had a credit score above 820 before this happened. The mistake was XXXX 's, but they refuse to correct the error on my credit report.
Product: Debt collection

I CONSUMER XXXX SENT MIDLAND FUNDING LLC A AFFIDAVIT OF FACTS / NOTICE OF REMOVAL ON XX/XX/2020 CERTFIFED MAIL. OF VOILATIONS COMMITED AND THAT I THE CONSUMER LAWFULLY DID NOT OWE THIS COMPNY ANYTHING AND TO REMOVE MY INFOMATION FROM THIER DATABASE AND REMOVE ACCOUNT FROM CREDIT REPORT. COMPANY DID NOT RESPOND TO DEMAND IN A LAWFUL/ TIMELY MATTER ALLOWED. PLACING THEM IN DEFAULT.. SHORTLY AFTER THE ACCOUNT WAS REMOVED AND ILLEGALLY ADDED BACK TO THE ACCONT. THIS COMPANY HAS CONTINUED TO BREAK THE LAW AND TAKE UNFAIR ADVANTAGE OF OF ME.CAUSING ME STRESS. I HAVE INCLUDED COPIES THAT I HAVE MAILED CEERTIFIED. WHICH ARE 1. AFFIDAVIT OF FACTS/NOTICE OF REMOVAL. 
I ALSO HAVE RECORD TIME AND DURATION OF COMPANY DENYING ME OF MY CONSUMER RIGHTS. WHILE CREATING AND COMMITING DECEPTIVE PRACTICES
Product: Credit reporting

I did not get my Experian credit report. i received XXXX and XXXX. I should have gotten all XXXX at once. I had trouble in 2016 also. I want my Experian credit report mailed to me as I am in bankruptcy.