23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Sir or Madam : This communique is to complain about Wells Fargo charging fees during COVID 19, particularly when clients are unemployed and subjected to illness as a result of COVID 19. 

I had requested that Wells Fargo debit my account on the XXXX, which was my payday for my prior job. This request was ignored, and I don't have an employer anymore. These additional fees cause a great hardship. Thanks.
Product: Debt collection

I have contacted Midland funding multiple times demanding any and all documents, bearing my wet signature, showing that I have a legally binding/contractual obligation to pay Midland Credit Management {$1100.00}, the payment history, and a breakdown of the bill in question, specifically naming the above company as a person/company entitled to enforce a commercial claim against me ... and my legal demands have went unanswered. I do not know this company. I have no business with this company. I do not owe this company any money. This company has falsely reported information to XXXX, XXXX, and XXXX which has resulted in defamation of my character. Furthermore, this company has created a deceptive image that gives potential & future creditors/employees the illusion that I am in debt or that I am liable for the alleged debt mentioned above.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, Pro Collect inc, account no:XXXX has violated my rights. 
15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C.1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.
Product: Bank account or service

Bank of America charged me for withdrawals done at the ATM on my savings account. Despite their deposit agreement and disclosure stating that there is a limit of XXXX but of the XXXX, those done at a staffed teller window or ATM do not count. I had done a total of XXXX, XXXX at an ATM and XXXX online transfers. When I called they said that the XXXX at the ATM used up my XXXX allowed so they had a right to charge me for the remaining XXXX at $ XXXX/transaction. I referred them to their own Deposit Agreement and Disclosure ( page XXXX ) and they agreed with what it said, but stated they still would count towards the XXXX so anything in addition would be fee 'd if done elsewhere. I said I thought this was a violation of Regulation D as I understood it as well as their disclosure be unfair and misleading. 

I have a copy of the chat where they did not even know that their disclosures stated that until I copied it. The call I made was allegedly recorded as well.
Product: Credit card or prepaid card

This is my first time making a complaint with you guys, not sure what is needed or how to go about this. I have been back and forth in a dispute with the company First Progress Card. I have contacted the XXXX  with my complaint. I have provided any & all documentation and proof that one can alongside XXXX to resolve this dispute and to prove my case. First Progress continues to ignore the information provided, they continuously reply back stating that they need " proof that they were cashed by their remittance department ''. XXXXXXXX XXXX manager and I have already exsplained several times to the managers and in the dispute via XXXX  that all payments were NOT made by a check or money order. The payments were made with cash via XXXX & wire transfers, therefore the only documentation that can be provided is the exact date, time, amount and of course the tracking ( reference ) number of that wire. I have paid all of my bills on time to this company for the past year ( including these in question ). I was told by them that they did not receive 2 months of payments from me ( which XXXXXXXX XXXX manager and I have provided proof off ). They not only have made me pay the actual bill 2x but also have added late fees both times which I have also paid each time. I am now forced to either pay another late fee on top of all of this or continue ruining my credit as this is a secured card that was " suppose to be increasing my credit not damaging it. I will provide all screenshots of out conversation ( s ) via XXXX  dispute for more detailed information. If ANY other information is needed, that XXXX, the XXXX  or I can provide, I would be more then happy to provide that upon request ( as we already have ). This has been ongoing for months now and needs to be rectified. I have also read other reviews about this company with the same issues alongside of not being able to cancel out the card and get their deposited back, which I am assuming will be the next issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries data from a dates from XXXX XXXX XX/XX/20.
Product: Student loan

I am currently a XXXX resident attempting to enroll in PSLF. I work for a non-profit and clearly am eligible. I have been submitting the required paperwork for a year to FedLoan Servicing to re-enroll in PSLF after my loan service changed last year. I have not been able to get in contact with them for over 6 months. I have emailed and called multiple times, and their online chat never is available for use. There are many eligible payments ( toward the 120 total ) that are not being documented this year. I am very disappointed in the federal loan service I am receiving right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with the three major credit bureaus Experian, XXXX and XXXX  about the unverified accounts XXXX XXXX  acct # XXXX, XXXX XXXX XXXX Account number XXXX and XXXX, XXXX account number XXXX. Over 60 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you for your help in resolving this matter
Product: Debt collection

XXXX claimed that I owe {$120.00} to Ability Recovery Services XXXX claimed that I owed {$880.00} to XXXX XXXX XXXX. 

I contacted both trying to get information on these debts. Knowing I had government insurance around these times. Representative was very rude stating that they would continue to make my credit bad and actually hung up on me while asking questions.
Product: Mortgage

1. Bank of America has not allowed me any resource to submit proof of hardship. 
2. Bank of America has not provided me with a contact representative who can be committed throughout this and previous complaint process. 
3. Bank of America has yet to acknowledge wrongdoing in processing my loan. 
4. Bank of America has not had a representative stay in touch with me, other than the first XXXX or XXXX contacts. 

Since last few months, XXXX apartments have been damaged. My total repair estimates are upwards of XXXX. Additionally, my loan has increased from {$270.00} to over {$1000.00}. 

Every month or so, BofA responds to these complaints by assigning me someone new. However, after XXXX contact, it is difficult to stay in contact with them as they have not returned calls. The most recent incident to which the new contact person for BofA did not leave an extension number. 

Bank of America took over 15 months to only deny the first step of loan, then took days to re-deny the appeal. Bank of Americas only solution is to restart the entire process.
Product: Credit reporting or other personal consumer reports

Transition and XXXX are teport my score XXXX points less then XXXX. Trying to repair credit and the scores where in the XXXX range and in a span of 4 days they took a total of XXXX points off my score with no changes to credit cards or any missed payment. These credit bureau are not reporting fairly. I have paid for the last 6 months to repair credit and made all on time payments. Opened new account to boost the credit, it did go up but a month later. They took all the progress I made away in 4 days ... ..not fair to take XXXX points off in 2 day and the 4 days later another XXXX points. My score has never jumped by XXXX points.
Product: Money transfer, virtual currency, or money service

Hi, PayPal closed my credit account this month with no warning. I had the balance paid off and everything, and I never had any issues. While XXXX  this problem, I saw that it happens to many people. I just thought someone should be aware that they cancel paid off credit cards for no reason.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an error on my credit report with Equifax. A charge-off account has been inaccurately reported by XXXX XXXX XXXX, but it was not reported to Equifax, despite the account being fully paid off. 

While the account is reflected as a charge-off on XXXX and XXXX, it does not appear at all on my Equifax credit report. This discrepancy among the three credit bureaus is causing inconsistencies in my credit profile. I have already provided proof of payment to the creditor showing that the debt has been fully resolved. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure that all information reported is accurate and consistent. I am requesting an investigation into why this account was not reported to Equifax and that the accurate, paid-off status is updated accordingly to ensure uniformity across all credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 LVNV Funding, LLC XXXXXXXX XXXX XXXX Cease and Desist and Request for Deletion of Collection Account Account Number : XXXX Credit Report Number : XXXX LVNV Funding, I am writing to formally request that you immediately cease all collection efforts and communications regarding the above-referenced account and delete the collection account from my credit reports with all consumer reporting agencies, in accordance with applicable law. 
Under the Fair Credit Reporting Act ( FCRA ) and other federal privacy protections, I am invoking my rights as follows : 1. FCRA Section 605 ( b ) Deletion of Inaccurate or Unverifiable Information Pursuant to 15 U.S. Code 1681c ( b ), any account that contains inaccurate, incomplete, or unverifiable information must be promptly removed from my credit report. Upon review, I believe that this account contains inaccuracies and/or is unverifiable. I request that you provide documentation validating the accuracy of this account as reported. If you are unable to validate it in compliance with federal law, you must immediately delete the account from my credit report.

2. FCRA Section 6802 Restrictions on Disclosure of Personal Information Under 15 U.S. Code 6802, institutions are prohibited from disclosing personal financial information to third parties without
proper notice or consent. I believe your reporting of this account may violate this provision, and I request a full investigation into this matter.

Additionally, this letter serves as a formal cease-and-desist notice under applicable laws. You are prohibited from contacting me further, except to provide written confirmation of your compliance with this request.

Failure to comply with this demand may result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory agencies. I reserve the right to pursue legal remedies for any damages caused by your failure to adhere to federal law. 
I expect a written response within 30 days of receiving this letter, confirming the removal of the account from my credit reports and the cessation of any further collection efforts. Please send all correspondence to the address listed above. FTC Report # XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Experian is Reporing a fraudulent loan from XXXX XXXX XXXX   account # XXXX. The account was blocked by Experian around the date of XX/XX/XXXX. Experian reinserted the information around the date of XX/XX/XXXX I still have not received paperwork informing me of reinsertion FCRA rules are a consumer must be informed of reinsertion with in five days its now XX/XX/XXXX and I still have not received paperwork of reinsertion. I know the item was reinserted because of credit monitoring service. Im seeking the help of the CFPB, FCRA, and my consumer attorney in the pursuit of relief from Experian for not only reinserting fraud on my report, that has a FTC   fraud report and attorney general report. But also for not informing me of reinsertion with in the 5 days given by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

My account with 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 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. 


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
Product: Debt collection

I am writing to formally dispute the debt collection notice I received from IQ Data International Inc. regarding an alleged debt owed to XXXX XXXX, XXXX. Below, I have outlined the timeline of events to provide context for my dispute : On XX/XX/XXXX, I left a voicemail for XXXX XXXX, LLLP regarding the rental amount owed. However, there was no response from their end. 
Subsequently, on XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX stating an amount owed, which I found to be incorrect. 
Despite my attempts to resolve the issue by leaving another voicemail on XX/XX/XXXX, and receiving no response, the matter escalated when on XX/XX/XXXX, I received a letter from IQ Data International Inc., again citing the incorrect amount owed. 
On XX/XX/XXXX, a representative from IQ Data International Inc. called me in an unprofessional manner, exhibiting aggressive behavior while attempting to verify the debt. 
In response, on XX/XX/XXXX, I sent a dispute letter via certified mail to both IQ Data International Inc. and XXXX XXXX, XXXX. The letters were delivered successfully, as confirmed by the tracking numbers provided by XXXX. 
Despite my efforts to resolve the matter directly, on XX/XX/XXXX, I received notification from XXXX about a new collection account from XXXX XXXX, XXXX, before receiving any response to my dispute letter. 
Finally, on XX/XX/XXXX, I received a letter from IQ Data International Inc., dated XX/XX/XXXX, which was addressed to a general delivery address I have been using since XX/XX/XXXX, due to my homelessness. 
Additionally, I would like to address the specific amount being claimed as owed. It has come to my attention that I am being charged over {$6000.00}, purportedly for carpet and blinds replacement. I must assert that this charge is unwarranted, as the carpet in question should fall under reasonable wear and tear, given my tenure of over five years at the property. It's important to note that the carpet was not new when I moved in in XX/XX/XXXX, and therefore, any deterioration over time should be considered normal usage. The XXXX  such, I dispute the validity of this charge and request a detailed breakdown of the expenses claimed to be owed. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Checking or savings account

Please, before reading this complaint, refer to my previous complaints : XXXX and XXXX. 
Yesterday, XX/XX/XXXX, the sum of {$720.00} with XXXX ID # XXXX and the TD Bank processing fee of {$120.00} was debited ( stolen ) from my TD Bank checking account. When I called TD Bank they informed me that this belongs to a garnishment imposed by XXXX XXXX XXXX. This company on XX/XX/XXXX sent me a Notice of Garnishment Dismissal ( See attached letter ) stating that they voluntarily dismissed the garnishment. After that I have not received any new communication from XXXX XXXX XXXX or its attorney so I assume nothing has changed. The money charged is NOT even earned income because I am unemployed. ( please read my previous complaints for a better understanding ). The account was overdrawn once again and I don't understand why my bank admits making these types of charges without the authorization of me as a customer. 
I repeat, I have not received any new communication from XXXX XXXX XXXX  or its attorney. 

I'm attaching the response from XXXX XXXX to my last complaint and the solution I received by mail.
Product: Mortgage

XX/XX/XXXX XXXX XXXX M & T Bank ) completed homeowner assistance/hardship application with me over the phone. XXXX educated me he will be my single point of contact going forward, which I greatly appreciated. He kindly explained the options of reinstatement, partial claim, loan modification. After a lengthy discussion, we concluded reinstatement was not financially realistic. The loan modification would affect my interest rate significantly. The partial claim was the best option to apply for and XXXX advised me there is a XXXX  % allowance of the unpaid principle that can be used for a partial claim. I appear to be under that threshold. It was his professional opinion as my single point of contact that it would most likely work out, however he could not make any promises. He and I agreed to touch base later this week, XX/XX/XXXX. He advised he is in XXXX. I called this morning and asked to be connected to his direct extension, and at which time I was advised XXXX was not my single point of contact. They would not provide a reason why. This was very distressing. The lady I spoke with, XXXX XXXX, advised me that my new single point of contact would be XXXX XXXX XXXX She declined to transfer me to her either. XXXX proceeded to review options with me causing me great distress. XXXX and I had a plan in place ; he said he was submitting, and we would check for an update Friday. Now the goal posts are moving and I am just trying to save my house. I do not have confidence in my servicer. I would like to speak with XXXX again. Furthermore, XXXX XXXX was pushing me to do a reinstatement, which I already reviewed at length with XXXX. I do not understand why XXXX was assigned my SPC and said he was submitting for the partial claim and now I can not get a status update from anyone as to where XXXX 's application is for my house. Additionally, my support person interjected wanting to know why I could not find out, and XXXX XXXX postured very harshly demanding I take my phone off of speaker, criticized me for allowing my best friend to support me through this, she said I could not involve any third party despite my attempt to say I authorized her to listen and offer me support throughout this mentally anguishing situation. It is unfortunate that I have to file a complaint, however with the goal posts moving, them redefining the definition of " single '' point of contact, I am afraid I have no choice.