23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report on XXXX and I have yet to receive a response. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. It's been 90 days today I feel like I'm being taken advantage of and my consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!
Product: Debt collection

I went into an agreement with the debt collecter, got down to the last {$25.00} and they added {$140.00} fee to the balance. Told me it was included in the agreement they sent me but it is not.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

I am a XXXX XXXX years old disabled senior with major medical issues. In XX/XX/XXXX I suffered a XXXX XXXX XXXX, losing 30 % of my XXXX. I have XXXX XXXX XXXX, I am in XXXX XXXX, have XXXX  XXXX in my XXXX, causing incredible pain. This XXXX issue caused me to have a XXXX  XXXX implanted in me. The XXXX divers not XXXX, but the stronger XXXX : XXXX. In XXXX, we refinanced out home with Wells Faro under a Stated Loan Program in order to fund improvements to out home. At that time We were given aproximently a 6 1/4 % interest rate at the time. Since then, even after the XXXX crash, when interests rates plunged under 1 %, we were continually denied a refinance on out wildly inflated interest rate. At the point that I had my XXXX XXXX, and was thus prematurely retired from work. This out incredible strain on my wife, who overnight became the sole breadwinner for out house, with me and my college age son unable to contribute. At that point, we became delinquent on our mortgage payment due to the absurdly high interest rate that we were systematically denied for for years. We were continually denied after we explained out hardship to Wells Fargo, XXXX that put us on track for an unethical foreclosure. After numerous attempts to contacts Wells Fargo, we have been bounced around over the phone dozens of times, our hardship letter has gone totally ignored, any request for postponement or leniency has been met with silence until last month we were alerted of a sale date on our home. The NPV that is calculated by the Department of Treasury, we are told, gives us a XXXX or so on it, and while no one will give us any info as to how that is calculated, we have been told it is the main reason we can not refinance. This entire situation occurs because of a XXXX XXXX XXXX I underwent. We we're never delinquent before that occured, not once. I am physically unable to move from this house due to my health and this situation will lead to my early death if we can not get it resolved, and it will be wholly due to the unethical, immoral, XXXX disrespectful way Wells Fargo has handled This. Please help in any way you can.
Product: Debt collection

HWARFIELD XXXX XXXX XXXX XXXX This property send me to collections for {$3500.00} which is not correct. They are stating that I rented an apartment which I never lived in. I never rented any properties from them and I requested multiple times to send me any lease agreement and if they have given me any keys to their property. They never showed me any proof.
Product: Debt collection

I never received a letter from XXXX XXXX indicating they have collection on me, I tried sending a fax but they claim they didn't receive it
Product: Checking or savings account

Our Social Security checks come in on the second and third Wednesday of each month.Our bills come in various times of the month. The bank pays them and charges an " overage fee '' of {$36.00} for each even for a {$10.00} church donation. When SS checks come in, they take their money first instead of first paying current bills. This leaves us in a spiraling downward hole. Our SS checks are enough to pay our bills for the month if they would let us and then pay the overages. There is always that occasional bill that we did not expect that they pay and then charge us which starts the spiral downward and we can never catch up. We have no other income and pay our bills on time but the bank won't let us because they want their money first. Although the money is in the bank when our mortgage is due, they did not pay for two months for the same reason which put us in jeopardy with our mortgage lender. Help!
Product: Checking or savings account

Going into early 2021, up until XX/XX/2021, I had a business banking account with XXXX, owned by BBVA. 

BBVA recently merged with PNC in the US, and I needed to get statements for the account, so I attempted to contact the last number I had for XXXX. It told me that it was a BBVA number, and that BBVA is now PNC, so I contacted PNC customer service. 

Upon contacting PNC customer service on XX/XX/2021, I told them my situation and that I needed statements for the account. After waiting on hold for about 20 minutes, the representative came back and told me that she couldn't find an account with my business ' name on it. 

After spending about another 20 minutes searching to see if I had any old documents related to the account and not finding any, we agreed to end the call. 

By law, banks must provide customers statements from their accounts, and the fact that they have no information about an account is extremely scary.
Product: Credit card

Hi. I have a fairly new account with destiny card. Ive tried contacting them numerous times but cant get a hold of anyone even after being on hold for over half hour. I havent made a single charge on the card and the few times Ive tried it always declines but somehow my bill is $ XXXX and just keeps going higher. Ive called many times, I filed a dispute through XXXX XXXX XXXX and even sent a fax simply asking for them to just close my account. At this point I dont even trust having a card with the company, cant get a hold of customer service AND my bill just keeps getting higher without ever charging or using a single penny. Its ruining my credit too. Please help.
Product: Credit card

I found out Pay Pal Credit ; or XXXX/PPC as it shows up on my hard hit credit inquiry, has done an unauthorized hard hit credit check on my credit report. When I contacted them they stated it was done for an online credit account on XXXX XXXX, 2015. I never authorized this nor have I applied for any such credit. After searching out information on the internet I discovered XXXX reports by others for this exact same problem. Also my spouse and I discovered he had the same inquiry done on his credit report XXXX XXXX, 2015. He never applied for nor authorized such a line of credit either. Both of these hard hits showing through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XXXX XXXX XXXX It has been well over 30 days and still have not gotten any reply. According to 15 USC 1681 ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. THIS IS A VIOLATION OF MY RIGHTS. 

The letters were mailed out certified : Experian Certified Mailing Tracking Number : XXXX XXXX Certified Mailing Tracking Number : XXXX XXXX Certified Mailing Tracking Number : XXXX I've attached the letter sent out to all 3 Credit Bureaus. 
All letters were signed and sent with my Government ID and Proof Of Address.
Product: Checking or savings account

I received a letter from the KYC department of Citibank early XXXX requesting me to contact them as early as possible before XX/XX/XXXX otherwise my account will be blocked. I called the given number XXXX -- XXXX on XX/XX/XXXX. It is a call center in XXXX, XXXX. The person I spoke to by name XXXX said all they required from me was to complete a form XXXX. On XX/XX/XXXX, I proceeded to XXXX XXXX XXXX XXXX XXXX, XXXX, CA where an XXXX by name XXXX XXXX completed the form with me and proceeded to log it into their system and sent a copy to the KYC department. He assured me that I had provided the needed information. 

However, on XX/XX/XXXX my bank account was blocked by universal block. All efforts to have my account unblocked have failed. The branch said only XXXX, XXXX KYC can unblock my account because no one in the States can do it. Amazing.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the past 90 days since XX/XX/XXXX i have not received an accurate report of my credit/XXXX XXXX i was placed as an authorize user but still never got an accurate score reflecting me as an authorize user
Product: Debt collection

In XX/XX/XXXX I contacted Consumer financial services at ( XXXX ) XXXX after being asked my name, ect. I told the woman that I noticed a collection on my report I didn't recognize after I talked to XXXX  the day before. She tried to tell me it was from cable/internet bill from XXXX at an address I didn't live at. When I told her that, she started to get louder and told me that " it was obviously my bill since they had my social security number ''. I told her that I had several accounts opened fraudulently when I was in the hospital and that this was not my bill. She then said I can submit my proof in writing but until it's resolved they with continue to report the bad debt against my credit. Then she hung up on me. 
FIN ACCTS SV Past Due : $ XXXX Chargeoff Original creditor XXXX XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actiog have caused significant inconvenience and financial loss, and I seek appropriate recress for theses violations.
Product: Mortgage

ON XX/XX/year> THE IRS SENT A CRIMINAL REPORT TO THE VICTIM of IDENTITY THEFT / CHARACTER ASSINATION By WELLS FARGO XXXX XXXX XXXX  in CRIMINAL IRS XXXX XXXX with AN UNAUTHORIZED {$XXXX} REFUND XXXX AND XXXX FRAUD MY NAME ANE EXCELLENT CREDIT RATING IS HACKED by THIS HORRIFIC CHARACTER ASSIGNATION INVESTIGATE WITH IMPUNITY by WRITTEN CRIMINAL DISCLOSURE AS REQUIRED by FEDERAL LAW WITHIN XXXX BUSINESS DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureau on XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$180.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$93.00}.
Product: Debt collection

In XXXX of 2015, Wells Fargo illegally repossessed my vehicle. I found myself to be part of their class action CPI lawsuit. In the letter I received, it confirms that I am NO longer liable for this debt because of their unfair insurance that was added to the loan. I have disputed this multiple times with XXXX, XXXX and XXXX. XXXX HAS removed it. The other two have not. I want this illegal loan/repossession OFF MY CREDIT REPORT, and I will NEVER ever ever ever ever ... deal with Wells Fargo again!
Product: Payday loan, title loan, or personal loan

Landmark- I called to make a payment and XXXX XXXX advised me that I was prequalified for an additional loan amount of {$5100.00}. I advised her that I had a loan that was place in collections and paid. She advised me if it came up in the process I could send her proof the account was paid. I advised her that it had affected my credit score. She then told me as long as my credit was at a score of at least 500 I would be approved. I called back to review the information and told I was denied because of a late payment which was from their company for a payment while my account was deferred. She also stated my credit was below the minimum required which currently is a XXXX. I advised her that this contradicted what she originally shared with me and that it was deceptive and predatory. She had no other information to offer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, the USPS forwarded a letter to me from Equifax Information Services LLC. Equifax had addressed the letter ( dated XX/XX/2021 ) to a 3 year old address that is no longer on my Equifax credit profile. I was unable to dispute the address online with Equifax because it's not listed on my Equifax credit profile as my current or previous address. Equifax was made aware of this issue several months ago but has refused to cease sending mail to former addresses. This is the 2nd letter I've received from Equifax that they've mailed to addresses at which I haven't lived in several years. I have attached a screenshot of the letter for evidence.
Product: Debt collection

XXXX XXXX XXXX had won a default judgement to garnish wages and in doing so, they over garnished my wages by XXXX as well as were suppose to credit me XXXX that they over charged and made error in calculating. They also collected XXXX on a judgement that was awarded in amount of XXXX. They claimed the additional XXXX was interest accrued however, the judgement already included interest owed because the original debt was only XXXX. So, not only did they charge me interest twice but then they over garnished me on top of that and charged me XXXX for fees that were in error and never refunded to me either. I would like my money returned that was taken and charged wrongfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has a XXXX XXXX XXXX inquiry dated XX/XX/2018. This does not belong to me and I would like to have this inquiry removed immediately. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, & XXXX have misused my credit report by violating these codes 15 U.S.C ss 1681b exclusions ( 2 ) exclusions ( A ) subject 1681s-3 of this title 15 U.S.C ss 1681m- in relation of said requirement on users of reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. 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. XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports 8
Product: Student loan

Mohela has been unresponsive to my questions about my account. They have also changed so-called " policies and procedures '' throughout my interaction with them over the past 5 months. I applied for public service loan forgiveness in XXXX of XXXX. I was told it could take up to 90 days. In XXXX, I received two notices. The first was an update showing that my certification had been updated. And the second stating they had. These were very confusing because although they were transmitted electronically they appeared to back dated and was challenging to piece together which notice was correct. Since then, I have been told there's no other paperwork I need to file and my account reveals the necessary number of qualifying payments. However, I have not been able to confirm whether Mohela has taken any next steps to contact the Department of Education so that my loans can be discharged. I have called multiple times and received no answers. Most recently I called on XX/XX/XXXX and spoke to XXXX who only spoke to me vague generalities about how the process works and would not answer my questions about my account. He promised to transfer me to a supervisor but after 30 minutes on hold they hung up and never called back as promised. Today, XX/XX/XXXX, I attempted to utilize the chat function where I spoke with XXXX. Again, she only spoke in vague generalities and when I continued to ask questions specific to my account she told me I could call to speak to a supervisor and then blocked me from continuing the chat. The other complication is that when I call and use the directory it suggests that there has been another document uploaded to my account in XXXX that I can not see online and that I did not personal submit. I don't know what else to do in order to get information relative to my own personal account. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXXXXXX XXXXXXXX BALANCED {$760.00}
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 XXXX 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 Balance : {$31000.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$31000.00}
Product: Debt collection

I get many phone calls every single day and repeatedly have told them I am at work and to stop calling. They continue non stop
Product: Credit card or prepaid card

In XX/XX/XXXX I missed a payment on my XXXX Credit Card. The payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX so just three days late. The APR went from 16.99 % to 29.99 % on my XX/XX/XXXX statement. On XX/XX/XXXX I noticed that the APR had been raised. I was in an intense training program over the summer of XXXX so that is why I missed the payment and then did not notice the rate hike right away. On XX/XX/XXXX I contacted a XXXX via online chat who put in a waiver to get the rate lowered which was approved. My concern is that according to the Credit Card Act of XX/XX/XXXX I must be at least 60 days late in order for Citi to put the penalty rate into effect. According to XXXX after missing the payment due date the penalty rate can be put into effect and I can be charged up to {$37.00} for a late fee. Again the Credit Card Act of XX/XX/XXXX limits this to {$27.00} which is all that I was charged. I feel that since I was not 60 days late the penalty rate should not have been put into effect so Citi over charged me interest from XX/XX/XXXX until XX/XX/XXXX and that interest should be refunded. I have printed off all the statements supporting all of this but am not attaching them as they contain personal information and the website says not to attach.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

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.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports