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

XXXX - COLLECTIONS ACCOUNT - SETTLED - XXXX STATES IT SHOULD BE REMOVED - IT'S SHOWING AS ACTIVE. 

XXXX- SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX - PAID/SETTLED -SHOULD BE REMOVED PER XXXX - XXXX XXXX XXXX XXXX COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX=SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchased a XXXX XXXX Gift set worth {$100.00} from Macy 's store ( MACY S XXXX XXXX XXXX ) in XXXX, IL on XXXX XXXX, 2019. The amount of {$100.00} was debited from my card and also an additional {$39.00} was debited from my debit card for unknown reason. I had applied for Macy 's card at the time of purchase but I did not receive any card and hence I also did not use the Macy 's card for any transactions. I had asked the customer care to close the account within a month i.e. on XX/XX/2019 without receiving any card. 

In addition to an unknown transaction for {$39.00}, I am also asked to pay {$48.00} every month for no reason. This amount has now accumulated to {$270.00}. Macy 's did not give me any reasoning for asking me to pay this amount when I have not received or used any Macy 's card and also I have paid the full amount for the product. I have been also said that the product payment was not done even after I had faxed my bank statement showing the debited amount and transactions and still Macy 's did not help me one bit despite speaking to several customer service representatives.

My account is also been reported as Delinquent account which has greatly impacted my credit score.
Product: Credit reporting or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2021, and XX/XX/2021. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report experian came back the next day as verify I called experian and asked how they 100 percent verified the information I was told they do not have to show me how they verify the information I requested again on the phone and was denied the information
Product: Checking or savings account

I closed all of my accounts with Citibank in XX/XX/2021. They have refused to close a savings account ending in XXXX I have called them numerous times and spent many hours on the phone they are wholly incompetent and unwilling to locate and close the account however they know enough to continue charging me {$XXXX} per month and overdrawing the account with account fees although the account has been closed for over XXXX months
Product: Debt collection

I attempted to reach out to the company on XX/XX/22 to let them know that they did not inform me properly and they continue to report this alleged debt on my consumer report. I also notice that they are not a registered agent in my state, and they are attempting to collect from me.
Product: Credit card or prepaid card

I have not used my Wells Fargo XXXX XXXX card since XX/XX/XXXX ( 3+ years ). Two large charges were made on those days with the card. 1 ) {$4100.00} and 2 ) {$4400.00} both invoiced for " XXXX XXXX ''. These amounts maxed out the credit of the card. I did not receive a notification or a hold on the two purchases made on XX/XX/XXXX and XX/XX/XXXX. I found out about the charges on XX/XX/XXXX from the XXXX XXXXXXXX XXXX Wells Fargo never notified me that the transactions were cleared on XX/XX/XXXX. I called the number on the back of the card ( XXXX XXXX ) to report the fraud on XX/XX/XXXX. 

I called again ( XXXX ) on XX/XX/XXXX to provide further information. I found out that they later denied my claim after calling on XX/XX/XXXX and asked to have it reopened. I was told I had to provide documents proving that I was not in Washington state during the time of the fraudulent transactions. I went over to a local branch in XXXX to have them fax all of the documents and escalate the case to be an executive complaint. I also emailed the same documents to XXXX 

I filed a police report with my local precinct on XX/XX/XXXX. Wells Fargo has been very unhelpful and have not sent any information on the transactions or why the claims have been denied. 

On XX/XX/XXXX, I was informed that my case was denied again. I called again to have the dispute opened. 

I have never visited Washington state and no other information for the location or items purchased was given to me. Wells Fargo has yet to provide any evidence that I made these purchases or authorized them to take place.
Product: Mortgage

I contacted my current mortgage company about a refinance. I spoke with the agent for about 20 minutes. I was very forthright. I disclosed we had a 2nd mortgage and would like to roll it into the current. She said we would easily be able to refinance and lower our payment and interest rate. She took my credit card info and said there would be a {$13.00} fee to get us started. We ran into some issues with the 2nd mortgage, decided to just refinance that separately. Again, she said that would be perfect. We had the appraisal. The house according to their appraisal was lower than expected. Again-she said that would n't be a problem. We refinanced the 2nd mortgage through the other company. Sent to it to the mortgage company. Again-perfect. Then we were told that the interest went up and it was n't really worth it to refinance. Also, they had charged us {$600.00} ( appraisal and other fees ) Now we were told that would n't happen. That we would n't be charged unless we were approved, etc. I was hesitant to even do this as my husband was injured and has n't worked in over a year. I would never spend {$600.00} on a 'maybe ' as that is almost our entire mortgage payment.
Product: Payday loan, title loan, personal loan, or advance loan

I went on XXXX to buy a moped, I used Affirm and had a total loan amount to pay of around XXXX less than XXXX, within 4 months of the purchase i had problems with the product due to the seller not sending over the Full product, I contacted XXXX straight away to ask for a refund due to me not having the proper item to have " OwnerShip '' of the product due to the seller not sending over said papers, XXXX granted the refund SEVERAL TIMES only for me to be told that Affirm didn't receive it, this has been going on for over half a year, Affirm is messing with my credit, my XXXX Account, and refuses to grant me my refund which was given to them by XXXX. ontop of all of that on XX/XX/XXXX a employee of Affirm told me that i would receive my refund only to be denied later like why. I've also given Proof to this company about the refund and they still refuse to honor it. they keep saying about this 60 day policy but they caused the time frame to be way past it cause they kept telling me nah we didn't receive it call XXXX to waste time.
Product: Student loan

In XX/XX/XXXX, I received my student loan disbursement. According to the terms of the loan, my interest rate during school, or the Interim period, would be one rate and after school I would receive a higher interest rate. Specifically, 6 months after finishing school. There was also a 0.5 % interest rate reduction if you finished school. 

XX/XX/XXXX was 6 months after XXXX and I was going to have to begin the repayment process. I still had to take the XXXX XXXX XXXXn XXXX, so I requested an additional 6 month pause. My request was approved. My first payment was XX/XX/XXXX, and like all loans some money went to interest some went to principal. I received my loan statement and noticed that I was charged too much interest during school. I contacted Wells Fargo about this and for 3-4 months it was just a back and forth with no resolution. 

XX/XX/XXXX I started making my payments on a monthly basis. I was charged two late fees once I started making payments in XXXX and because of the late fees the amount I was paying wasn't covering the monthly payment because of the late fees. For about 18 months I wasn't receiving monthly statements, but I continued to pay each month, the best I could and finally in XXXX of XXXX, I called Wells Fargo to try and get some information about my loan and maybe some assistance. This is when I first realized I had been charged about 17 late fees and nothing I had been paying had gone to principal. I was told during the conversation that my late fees would be removed and that I had not been given the 0.5 % off my interest rate after I XXXX  but they would make those change. I asked if I could get that retroactive since I did XXXX XXXX  and was told NO. I was also told that my interest rate during school should now reflect the correct amount. At this point, I was just so frustrated with the entire process. I continued to pay every month but was still not receiving monthly statements. This went on for about 3 years. 

In the summer of XXXX I tried to refinance my loans with Well Fargo for a lower interest rate and was denied. At that point, the only time I addressed my student loans was to send money for payments. This would continue until XXXX of XXXX. My credit score was in good shape and I was approved for a lower interest loan with Wells Fargo and was able to remove the cosigner off my loan. 

I borrowed $ XXXX in XXXX of XXXX. When I refinanced in XXXX I still owed almost XXXX. This didn't stand out to me at first but when I started to contact Wells Fargo about it, Covid happened and it wasn't easy to get in touch with someone. In XXXX of XXXX Wells Fargo sold my loans to XXXX. Before the switch I requested all my loan information on two separate occasions and never received any of it. In XXXX of XXXX I refinanced my loans with XXXX XXXX XXXX XXXX. I've paid {$33000.00} and still owe $ XXXX on a $ XXXX loan. 

Due to the late fees and higher interest rate I was charged the entire life of the loan, I feel I have more than paid back this loan.
Product: Checking or savings account

The company   XXXX   XXXX   is trying to verify our account and has not done so in a timely matter therefore keeping us from accessing borrowing money from them. They 've been trying to access our account since  XXXX   XXXX  it is now  XXXX   XXXX  and they have the option of us contacting the bank or filing a complaint so that we can be able to borrow the funds.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

I dropped my phone on XX/XX/year> @ the XXXX XXXX auction in XXXXXXXX XXXX  about XXXXXXXX XXXX. This individual changed my phone number to various accounts such as Bank of Albuquerque account, email, and my credit card information. They managed to change the password and transferred money from my bank account, I retrieved my same phone number to a brand new phone that I had to purchase, and I lost the dispute due to easy access. Here are the numbers they are using to hack into the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I found the public promotion running at First Citizens Bank 's website ( https : //www.firstcitizens.com/landing/your-bank/index.html ) in late XX/XX/2020 and I decided to open the Free Checking Bundle as it advertised on the website. The promotion was to receive {$300.00} when open a Free checking account bundle and complete the following requirements : ( 1 ) Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. ( 2 ) Enroll in eStatements ( 3 ) Open a new savings account.

There was no promotion code/ offer code requested during the application process nor was there any place to include one during the application, so I assumed it was automatically included in the application. 

I completed all the promotion requirements in a timely manner : the checking and saving accounts were opened and funded on XX/XX/2020, I enrolled in e-statement the following day, and completed my 10 debits transitions by XX/XX/2020 and also a bill pay transaction on XX/XX/2020. Based on the promotion criteria, bonus should be posted anytime within 120 days after all qualifier have been met. 

The 120 days of bonus payout date has long passed and I have yet received the bonus payment as of today ( XX/XX/2020 ). Contacted the customer support regarding this matter but they were not helpful.
Product: Debt collection

I received a letter on XX/XX/2020 from a firm called XXXX XXXX XXXX XXXX stating that they were the new owner and creditor for my " referenced account. '' The referenced account was listed as " PAYPAL ACCOUNT. '' After reviewing my e-mails and PayPal and XXXX accounts, I was not able to determine what the balance was from as I had not received any e-mails from PayPal notifying that I had a balance that needed to be paid. The only notification I received was an e-mail on XX/XX/2020 from PayPal stating that my balance had been sold to the creditor XXXX XXXX XXXX XXXX. 

The letter sent by XXXX XXXX XXXX XXXX dated XX/XX/2020 states that payment of the amount of debt must be paid within 30 days to avoid reporting on my credit report, and subsequent damage to my pristine credit history. 

The reason that I am writing a complaint for fraud is that balance in question had already been paid to XXXXPayPal in XX/XX/2020. There was not attempt by PayPal/eBay to notifying me of the balance they sold to XXXX XXXX XXXX XXXX of " Balance : $ XXXX '' as stated in the e-mail they sent notifying me of the sale of the balance on XX/XX/2020. 

While I was initially unaware as to what this balance could be when receiving the letter from XXXX XXXX XXXX XXXX, I determined that it was from the sale of a pair of shoes on XX/XX/2020 and the associated fees with the sale that created the alleged past due balance were paid prior to my transfer from XXXX to my bank account. 

In this case, I believe that PayPal and XXXX XXXX XXXX XXXX are both fraudulent operators. PayPal 's fraudulent activity including the sale of accounts receivables to XXXX XXXX XXXX XXXX in which they had already received payment from the initial customer. 

I believe that XXXX XXXX XXXX XXXX is behaving fraudulently by knowingly pressuring customers of PayPal who have had their fraudulent " balances '' sold to XXXX XXXX XXXX XXXX to pay these balances immediately due to the creditor 's threat of causing of harmful implications to consumer credit reports and scores if their payment is not made within 30 days of notification of the XXXX XXXX XXXX XXXX 's ownership of the balance and request for payment.
Product: Debt collection

I have contacted XXXX because I never received a bill from them just a notice from collections. I can not recall the exact date, but I informed them that I never received a bill from them, so how can you turn me into collections? I was told that " they do not send bills to anyone on the XXXX patient portal. '' This is not true, because I signed my mom up for this and she still receives bill statements from XXXX, and also on her patient portal, she can access her bill and make payments as well, but I can not. I informed XXXX Billing that first of all I did not know this, and after being told this information, I told them I can not access billing on my portal, nor can I see the bill owed. I need statements sent to me. How can you send collections a statement, and not send a bill to me? The person I spoke with was very rude! I also spoke with the IS department and explained to them that I do not have access to billing on my XXXX, and I'm not receiving paper bills, so are there two different XXXX, they informed me there aren't two. So, I had them access my account so they can see that I do not have access to billing to see my debts. I'm still not receiving paper bills, just turned to Collection 's, without any notice, and this is affecting my credit for no reason.
Product: Checking or savings account

3 ACH Transfers were taken from my account in the amounts of {$900.00}, {$900.00}, and {$500.00}. for a total of {$2300.00}. according to the Navy Federal Credit Union The person that removed these funds is XXXX XXXX. This was done on XXXX XX/XX/2023. The Credit Union contacted me and asked if I authorized these transactions and I said no I did not! Since then every time I contact the Navy Federal Credit Union they tell me that their security department is backed up and or working on it. That is the only information they have given me to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 

Item in question : Bankruptcy You stated that your process to verify this item was through XXXX. I sent you notice that your process was not valid due to me going directly to the company and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company is this bankruptcy is not deleted from my credit report IMMEDIATELY!
Product: Debt collection

Back in XXXX I paid an agreed payment of {$690.00} to pay in full a collection instead of going to court and being sued and the agreement has n't been honored on the part of XXXX XXXX and their associates. They 're continuing to report incorrect collection information on my credit report and its causing my scores to suffer and my report to have a bad mark on it. I would like for this tradeline to be completely removed from my credit report and stopped reporting immediately! Per my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan on XXXX for {$15000.00} On XX/XX/2022 I was contacted by XXXX XXXX regarding a consolidation and refinance offering me a lower rate and payment on my EXISTING LOAN. 
I agreed. 
I asked if this was separate loan and they said NO THIS IS YOUR CURRENT LOAN. 
on XX/XX/2022 they deposited an additional $ XXXX into my account. I called in upset because as I suspected this was AN ADDITIONAL LOAN and they used PREDATORY TACTICS because I am a senior. 
I immediately asked that the loan be rescinded. They said I was still liable for the origination fees of {$790.00} ... and I refused to because I never authorized this loan. I only wanted a refinance of my existing loan. 
They finally agreed to remove it. But, to date it is still reporting on my credit. They provided a letter saying they remove it and they still have not. This is a huge hardship as I have been declined credit elsewhere due to their inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  Balance Owed : {$48000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX