23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was treated with disrespect at the bank in XXXX waited 30 min while teller was on the phone about my drivers lecense. Was not told WHY i was waiting? When i told the teller i was late for work he rudely put his hand up in my face to shut me up. Finally he was told to cash my chk and was done being obnoxiouse and RUDE. IN A SMART ALLEC way he tells me " thank you for your NOT patience!!! Because of his rudeness i will NEVER visit that establishment again. This teller needs to be addressed ... my mother has banked there for years and will be switching banks because of this ONE TELLER!
Product: Debt collection

my XXXX was repossessed, and the account was charged off but still shows a balance due, it was charged off in XXXX of 2020 but states it was repossessed in XX/XX/2020 2020
Product: Credit card or prepaid card

Someone has opened a Goldman Sachs credit card under my name and has been using it for a while now.
Product: Checking or savings account

Notice of Action Based on Information Contained in Consumer Report Date of Notice : XX/XX/2025 The PNC XXXX XXXX XXXX XXXX XXXX. 
All rights reserved. PNC Bank , National Association. Member FDIC XXXX XXXX PNC Bank regrets that we can not open the Virtual Wallet account you requested. Our decision was based in whole or in part on information provided by the consumer reporting agency noted below. The consumer reporting agency identified did not make this decision and is unable to provide you with specific reasons why this action was taken. 
Its important for you to understand your rights under the Fair Credit Reporting Act : You have the right to know the information in your consumer report. 
You have the right to a free copy of the report from the consumer reporting agency that provided the information if your request to the consumer reporting agency is made within 60 days of receiving this letter. 
You have the right to file a dispute with the consumer reporting agency if you find that any information in your report is inaccurate or incomplete. 
To exercise these rights, contact the consumer reporting agency noted below : XXXX XXXX XXXX Phone : XXXX Fax : XXXX Mail : XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Services XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Website : XXXX
Product: Debt collection

Diversified Consultants calls me several times a day and when I pick up no one says anything. The phone hangs up, and the calls are repeated. I have mailed letters to this company asking them to validate this debt that is not mine. I never lived at this address that is listed on this account. And I never had this service with XXXX XXXX XXXX XXXX XXXX. They have failed to provide me information such as the written agreement that created my original requirement to pay. They have been unable to give me the proof that they have the right to collect on this debt. I will upload the letters that I have mailed to this company. Even though they could not produce any proof, they put this negative information on my credit report. I sent a letter to XX/XX/XXXX and XX/XX/XXXX. I will also provide evidence of tracking that it reached their office.
Product: Debt collection

The collection agency is CAPITAL ACCOUNTS XXXX. Account have been removed four times but being repeated re-entered.
Product: Mortgage

Wells Fargo stated that Covid related forebearance would not go on the credit record, but it did and they have caused many problems since then. When everything started with covid-19 Wells Fargo reached out to mortgage customers like myself to say they could assist if you needed it or were making changes to your loan. At the time I was refinancing my house through another local lender and looking have a safety net with the change over and losing a few hours at work. I contacted Wells Fargo and explained the situation, and they recommended that I take the payment assistance through forbearance. I expressly asked if it would change anything on my credit and they said it would not. I accepted the assistance and kept moving forward on my refinancing. After this Wells Fargo did submit a change on my credit report that did list the mortgage in forbearance. It made my refinance fall through 5 days before the closing date. When I contacted Wells Fargo a representative told me that they discovered this was happening because they did not properly disclose what could happen when you used their assistance program and how it would effect refinancing. I asked to be removed from forbearance immediately and for them to send me a letter as proof of being removed from the program. From this point I started working with my local lender again and they said I would need to wait for the three credit bureaus to update in order to move forward. I contacted each bureau and submitted a dispute so they could verify the change. Today I was contacted by XXXX  and told that Wells Fargo stated that I was still in forbearance, did not confirm the change. I feel like this is happening because I'm looking to change lenders and they want to place roadblocks for me to get refinanced. The longer this takes the more interest is charged and collected by them. I'm looking for help because I don't know where to turn to.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing a significant drop in my credit score as of XX/XX/XXXX, I pulled my personal credit report and noticed KOHL 'S reported my XX/XX/XXXX payment received as being 30 Day 's Late on my XXXX  and XXXX  Credit Report. 

I contacted Kohl 's on the following dates : XX/XX/XXXX, XXXX XXXX, XXXX & XX/XX/XXXX, in regards to the reporting discrepancy. They stated that an investigation took place and the information furnished to the credit reporting agency is accurate, however they have yet to show me tangible, verifiable evidence that I paid my monthly payment 30 days after the due date. They further stated, that an investigation took place and determined that the information furnished to the credit reporting agency is accurate. 

However according to my credit report furnished by XXXX, they stated that my account is CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS!! 

How is it that XXXX  is reporting paid as agreed, with no late payments for XX/XX/XXXX and XXXX & XXXX  are reporting 30 Days Late?
Product: Checking or savings account

Witholding tax is withdrawn each month from my checking account at Charles Schwab Bank. I am not required to file 1040 due to low income. No witholding has ever been taken in brokerage accounts or funds. IRA is opt out. For 2022 the amount was too small to report. I did not file. 
Numerous contacts saying it is fixed yet it does not stop. 
This is an interest bearing account. Capital gains, dividends and other taxable income have never been taken from other accounts. 
Why should THIS BANK take withilding when other banks do not? Why won't they let me opt out in this account for tiny amounts when they do for large amounts in onother accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

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. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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 : 1. Account name : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account ID : 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: Mortgage

Concerning my note/ mortgage loan with Wells Fargo Home Mortgage , Upon careful examination of my loan documents I 've found many and various violations of the documents and regulations relating to the loan, and loan application as well as the commission of appraisal fraud. I would appreciate your help in this matter.
Product: Student loan

I went to the Dept. of Education site, and it was unbelievably messed up and I couldn't find history, payments, etc.. I saw a button to download the data. After reviewing it, I was horrified. Im a XXXX XXXX  and do auditing for a living. There were no payment details, large distributions over the loan amount, and a big unbelievable mess. I couldnt get any information, history, payments made, or any explanation of why this mess exists. 

I had to look at the data to even get the original amount originating in XXXX. I graduated in XXXX. I enrolled in the XXXX from XXXX to XXXX. The XXXX was {$6100.00}, total : {$16000.00}. The current lender is Nelnet. The current bill is {$220000.00} at 8.25 %. 

Nelnet had no previous history, so I had to go to the Dept of Ed. I saw 15 loans from 8 different lenders ( XXXX, XXXX XXXX, XXXX, etc. ). I cant fathom the original amount going from {$16000.00} to {$220000.00}. I found massive amounts of unauthorized or extra distributions during my enrollment as well as after I graduated, including one for {$60000.00}, attached to my loan. 

I never authorized any loans, selling off my loans, and distributions. Why distributions? From whom and for what? I was never contacted or signed any documents other than the original one in XXXX and probably XXXX. 

According to Nelnet 's dashboard, I'm on the IDR ( IBR ) plan, and my loan is a XXXX XXXX with 283 qualifying payments out of XXXX ( XXXX left ) and a total of 340 payments made ( 57 not qualifying ). I assume these 57 payments were never attached to my loan. 

Nelnet has not responded after several complaints were filed and the Dept of Ed sent my complaints to Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely.

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report.

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the a method of verification with XXXX, Equifax and XXXX about an Bankruptcy and I have attached the response from XXXX which is not truthful. They stated they CERTIFIED THE INFORMATION WITH THE " Company '' ; however, there was no investigation of the this nature and I have letter from the courts stating they do not share information with Credit Agencies. Therefore, I requested method of verification with validation which was not provided. 

I request this information be removed ASAP as it has been more then 30 days.
Product: Credit reporting

XXXX XXXX reported me as having late payments. I disputed the info but XXXX XXXX was being bought out by XXXX, so nobody verified it correctly. I now have a letter stating the info is incorrect and the Transunion site is stuck on the submission page. I can not submit my dispute again to them. Furthermore, they 've repeatedly come back saying the info is accurate which is impossible. They have a history of doing this. I 've proved them wrong several times.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter in the mail that Chase Card services decided after careful consideration to close two accounts ending in XXXX and XXXX. They gave the reason as I was associated with an account that was closed before. 

On XX/XX/XXXX, I called into Chase to ask for further reasoning on the closure and to ask for a reconsideration. I spoke to XXXX in the XXXX XXXX office and after some discussion, she refused to give me any more details into the closure. 

She stated that one account was opened in XXXX of XXXX, and the second in XXXX of XXXX. She confirmed the following facts : - zero red flags on either account - zero late payments - no indication that I had committed any fraud I asked her to confirm if there was any details on my account that showed I violated Chase card services. I asked 3 different times and she refused to answer. She stated she can not give any details on why my accounts were closed. I asked to speak to someone who could and she refused, saying that I can not know why my cards are being cancelled. I asked again the question of, " You are saying that you cancelled my card, will not tell me what rules or policies I violated, and will refuse to give that information to me? She affirmed that statement. 

I asked her about opening a card and the underwriting process I went through months ago. I explained that I was cleared to open a card 5 months, violated no terms of the credit card agreement, and now I'm being cancelled without being told why. She confirmed this and wouldn't give me any more details. 

In my time with Chase card services, I have spent more than {$500000.00} with them and had zero warnings about any suspicious activity, had my credit lines increased several times, never had any written or verbal or electronic notifications that I was in violation of any policy, procedure, or contract.
Product: Credit card

My sister passed away in XXXX, and I ordered flowers from Amex merchant XXXX. 
The flowers delivered where not described as on their website. Flowers also where delivered wilted and look to be old flowers. I reached out to Amex merchant XXXX to express my dissatisfaction. XXXX would not exchange or credit my card. I than reached out to my Amex to file a claim. The merchant stated that I never called them to complain but for some strange reason they had credited my Amex {$130.00} about one half of the charge. I find this strange if the merchant stated to Amex that I never contacted them why would they credit my card half of the charge. I have reopen this dispute with my Amex on 3 separate occasions and the reply I get from Amex is that they are federal regulated. I have a Amex XXXX card for over 40 years with Amex and can not believe I have to continue to reopen the dispute with them. 
I believe I have rights as a consumer but I believe Amex has not actually read the response from XXXX since XXXX stated I've not contacted them. Unfortinitly XXXX is a big merchant with Amex and Amex does not want to jeperdize that relationship. My sister passed away in XXXX, and I ordered flowers from XXXX, an Amex merchant. Unfortunately, the flowers that were delivered did not match the description on their website. Additionally, the flowers arrived wilted and appeared to be old. I reached out to XXXX to express my dissatisfaction, but they refused to exchange the flowers or issue a credit to my card. 

Subsequently, I contacted American Express to file a claim. The merchant claimed that I never called to complain, yet somehow they credited my Amex account {$130.00}, which is about half of the total charge. I find this situation perplexing. If XXXX stated to Amex that I never contacted them, why would they issue a partial credit? 

I have reopened this dispute with Amex on three separate occasions, but their response has been that they are federally regulated. I have held an American Express XXXX card for over 40 years and can not believe I have to keep reopening this issue. 

I believe I have rights as a consumer, but it feels as though Amex has not thoroughly reviewed XXXX 's response. XXXX is a large merchant with Amex, and I suspect that Amex does not want to jeopardize that relationship.
Product: Credit card

I have an Apple Card issued through Goldman Sachs that is largely controlled by Apple XXXX XXXX. In the app it said XXXX a payment of {$960.00} ( total balance ) by XX/XX/year> to avoid further interest charges I paid the balance in full included previous compound interest charges for the grand total balance of {$960.00} on XX/XX/year>. On XX/XX/year> ( the last day a payment could be received without being considered a late payment ) I was charged another {$20.00} in interest only. Customer service informed me that it was trailing interest I incurred carrying the balance from XXXX to XXXX. This to me would make perfect sense if it wasnt for the fact that the XXXX told me specifically if I made my payment in full I would not receive any additional interest charges. But apparently there is the previously undisclosed trailing interest. It appears to be an issue with Apple and not Goldman Sachs where they are both giving you information in the app you use to make your card payment that is a total lie on top of advertising the card as having no hidden fees which is clearly also a lie.
Product: Debt collection

I have a wage garnishment in place against me from XXXX XXXX  XXXX. ADP is the company that handles this for my current employer. I noticed they are taking money from my checks when it is protected due to the laws I do not make enough money for them to take anything for garnishment. I have tried contacting them over 45 day period and nothing is getting taken care of they continue to take money that they should not be legally taking from me.
Product: Checking or savings account

Hello, I've opened a Gemini account and tried to verify it on XXXX, the XXXX, but up to today, it is still not verified. I've tried several times contacting Gemini but in vain. 
Can you please help me with the issue encountered? 

Account 's information : Name : XXXX XXXX Email : XXXX Birth date : XX/XX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX XXXX Thank you so much! 
Best regrads,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Product: Checking or savings account

On XX/XX/XXXX I attempted to deposit a tax refund check into my checking account. I received a call from Arvest that afternoon, saying because the check was in both my wife and I 's names, and the account was just in my name, they would not be able to verify and deposit, so it was being cancelled. Understandable, so when the hold was placed on the money I deposited into an account my wife and I share with XXXX XXXX. On the XXXX while balancing our accounts, I noticed the funds from that check were verified and approved in our Arvest account. I called to alert them, and after a significant amount of time, transfers and holds, they said they would remove the funds. Today, XX/XX/XXXX, I received a letter from our other bank, XXXX XXXX, that because of duplicate presentment, they were pulling the funds from that account. I have spent hours on the phone with Arvest, they have offered no assistance and told me I should be receiving a call back from an associate named XXXX, whom I have not heard anything from. My other bank has been considerably more helpful, and was able to determine that Arvest did in fact process the check and it is no longer eligible for payment, per state taxation records. At this time we don't have the money in any account, and Arvest Bank is refusing to do anything to rectify their errors.
Product: Mortgage

We have filed complaints each year about Select Portfolio Servicing not applying our payments in the past. 

This year we fell behind and tried to call them to pay our mortgage. On XX/XX/XXXX we inquired about reinstating our mortgage. They told us it would take {$7200.00} to reinstate our mortgage by XX/XX/XXXX. 

We tried to call today to pay the amount ( XX/XX/XXXX ) well before their deadline and they have now stated they will not take the payment. We have to wait until they give us a reinstatement amount which they gave us on XX/XX/XXXX which we have tried to pay. They are stalling until the date now to force us into foreclosure. We had a witness to this conversation who can sign an affidavit. The witness helped us modify our mortgage in XXXX and is a state agency that works to help people stay in their homes.