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

Firstly, I have never missed a credit card payment in my entire life ( something I pride myself on ). I also make sure to have auto-pay enabled on all of my accounts, as to never miss a payment. Nevertheless, I also regularly payoff the cards ahead-of-time. 

I check my credit score daily, and when I reviewed it today ( XXXX ) I saw that it was down XXXX points ( XXXX to XXXX ) because of a delinquent payment. I checked through all of my accounts to see where the issue may be and saw that my Apple Credit Card XXXX Goldman Sachs Bank USA XXXX was reporting that I was roughly 30 days late on a ~ {$100.00} dollar payment. 

I was extremely confused because as I stated previously, auto-pay is enabled on all of my accounts. I paid it off immediately, and had to **RE-ENABLE** Apple 's auto-pay feature when I had already done so previously. 

I received no correspondence that this was going to occur in the background, or that my auto-pay was disabled unbeknownst to me. Now my credit score has tanked significantly and pending any rectifying of this, I will have to wait seven years to " age '' off of my report. All for product disfunction on Apple 's end that I wasn't notified for.
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 law.Accounts : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} EQUIFAX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$200.00} ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had to do a loan modification with XXXX XXXX in XXXX. I was told all fees and late fees would be removed from my credit report. However, in reviewing all three of our credit reports it shows they sold us to a Planet Home lending in XXXX two months after the loan modification but they put all these late payments back on our credit report which is incorrect. 

I have tried to dispute these late fees and my loan number is XXXX, we have never been late but we did go through that modification process which put our payments in forbearance until the emergency modification was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint stems from the CFPB complaint filed XX/XX/20. I expected to receive an update or some type of follow-up from the company, Equifax, to which the CFPB report dated XX/XX/20 was filed about. I have called several times and have been unsuccessful at getting any information from Equifax. As this is a US complaint, I have asked to speak to the US call center which I have been denied. I called CFPB directly for help. CFPB said they can do nothing but send my complaint to the company. I am failing to see the point of CFPB. I need help in getting my issue resolved. I have attached irrefutable support to the CFPB complaint dated XX/XX/20 but still nothing. This is not acceptable.
Product: Mortgage

Wells Fargo XXXX XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

In addition, Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

We have seen these XXXX issues on ALL of our short sales on MINORITIES with Wells Fargo. They will NOT do an interior value, and they will NOT provide a copy of the XXXX. We would be happy to provide information on this to the CFPB to add to their case against Wells Fargo. 

We are tired of hearing from Wells Fargo that their legal department does not have to comply with federal and state law. Their legal department said its ok to open XXXX XXXX fake accounts ... and look where that got them.
Product: Credit card or prepaid card

Good day, I am writing this complaint due to the way I was treated by merchant Synchrony Bank as a longtime customer I expected better. Their sarcastic and condescending behavior is not appreciated. I also work in the   XXXX   XXXX   and this is not acceptable by any means. I contacted this merchant on  XXXX  to resolve a matter on which I was not aware until now ; I was lied to by the original merchant (   XXXX   ) about the promotional period. When I noticed that I was going to be charged an additional {$680.00} in deferred interest as of  XXXX / XXXX /  XXXX   I immediately contacted Synchrony Bank to resolve the matter. This merchant was less than helpful their representatives are less than knowledgeable and very frustrating ; all they do is repeat the same thing over and over. I tried escalating call however was left on hold for 30 minutes, I also tried calling this merchant back on  XXXX  to again try to resolve the matter and again they were not helpful. I have  XXXX  other accounts with this merchant all my accounts are in good standings and have never had this or any issues.     As a consumer I have to be given a fair chance to pay a debt off. How can this happen, you are telling me that my bill of {$860.00} will increase to {$1400.00} as of  XXXX / XXXX /  XXXX   and will take me another 3 years to pay this debt off. This is due to no fault of my own I was lied to by the original vendor (  XXXX  ) I should not be the  one  to suffer. I would not have purchased the product if I know this is what the terms were going to be. Synchrony Bank said pay the remaining balance in full by  XXXX / XXXX /  XXXX   to avoid the additional interest. I have reached out to Synchrony Bank on   two   occasions  XXXX / XXXX /  XXXX   &amp;  XXXX / XXXX /  XXXX   with no resolve.     Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, XXXX5 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

This what i sent to the credit departments of XXXX, Equifax and XXXX
Product: Money transfer, virtual currency, or money service

We received an insurance claim check from our homeowners insurance to repair our roof. Our mortgage company Pennymac Loans will not endorse and release our claim check, while our roof is literally falling down around us. Ours is not an isolated incident. Pennymac is notorious for this practice. Class action lawsuits have been filed against Pennymac for this reason.
Product: Debt collection

I contacted them to cancel the service but they are not picking my call and not responding.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, these accounts are not accurate. 

XXXX  XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

are not complete and accurate.
Product: Credit reporting or other personal consumer reports

I have encountered the following issues with the loan servicer : 1. Incorrect Delinquency Reporting : Despite consistently making my payments on time, Capital Good Fund has incorrectly reported my account as delinquent to the credit bureaus. This has caused significant harm to my credit score and caused unnecessary distress. I have reviewed my payment records, and I am certain that all payments were made as agreed.

2. Ignoring Point of Contact : I have made multiple attempts to reach Capital Good Fund through the designated point of contact, which was provided to me by their customer service. However, my inquiries have either been ignored or left unanswered, causing further frustration and confusion regarding the status of my account.

3. Failure to Update Account Information : Despite reaching out to Capital Good Fund to correct the erroneous delinquency reporting and requesting an update to my account information, they have failed to make any changes or provide a satisfactory resolution. I have not received any confirmation that the issue is being addressed or that the inaccurate reporting will be corrected.

I request that the CFPB assist in resolving the following : 1. Immediate correction of the inaccurate delinquency reporting on my credit report.

2. A review of my account to ensure that it accurately reflects my payment history.

3. Contact from Capital Good Fund to address these issues and provide a resolution, such as compensation for the intentional damaged caused.
Product: Credit reporting or other personal consumer reports

I had paid off and closed this account prior to filing for bankruptcy. Navy federal was never included on my list of creditors. This account shows discharged in bankruptcy when it should be paid in full and closed prior to filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has many inquiries on my report that shouldn't be there
Product: Mortgage

XX/XX/2020 XXXX XXXX Attention : Customer Service I am writing about a matter about a teller 's check of {$2500.00} that arrived at Planet home lending on the date of XX/XX/2020 that has not been applied to my account.. It arrived via USPS. My bank verified this information for me. I have spoken to multiple customer service representatives regarding this matter and each one has told me to wait another week. 

I sent in a written e-mail detailing this situation on XX/XX/2020 to Planet home lending. I have not received a follow up communication about the matter. Between XXXX and XXXX, I have spoken to customer service representatives who have told me, " Don't send it anymore payments until this is fixed, '' " Don't send your payment in through a bill pay, '' " A lot of people were laid off due to COVID. '' I called my bank and they were able to tell me the tracking number of the USPS delivery, date of delivery, verify the amount of the teller check, verify the address it was sent to, and proved me with the check number. 

I had spoken to a customer service representative on XX/XX/2020. He told me that I needed to send in the front and back copy of the canceled check. I told him that the teller check has not been applied to my account in order to supply that information. He told me that I needed to e-mail the XXXX in order for research to be done. I asked him if there was any other information I needed in order to move forward because not one customer service person told me that those were the steps I needed to take. He verified that the address my bank sent it to was in fact the correct address, listed above. 

I sent the e-mail with the information of the {$2500.00} teller check not being applied to my account in writing on XX/XX/2020. 

I spoke to a customer service representative on XX/XX/2020 and informed her of the countless phone calls I have made to Planet Home Lending to follow up on this payment. This representative said that she was able to read the notes of previous conversations but to give them until the end of the week. I have been put off for countless weeks with no resolution, with each representative telling me something different. 

I will be looking forward to a service representative calling me with information resolving this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello so I recently got scammed over XXXX. The backstory : I purchased a product through XXXX and a man said hed ship over the product after I send the money XXXX {$450.00} XXXX through XXXX. I sent over the money only for the man to then block me and not reply to any of my messages. I already filed a claim on XX/XX/XXXX through to Wells Fargo and Ive been utterly defeated ever since. Im a college student and I just wanted to know if theres any possibility at all that I might get my money back through the Wells Fargo claims process, or if Im just hopeless now. Thank you.
Product: Checking or savings account

XXXX XXXX Lied to me about bank process that violated my rights civil and human rights i alerted XXXX XXXX of the situation they didn't make it right they just played like signing 10 signatures is part of the process to open up a safe deposit box and also telling that biz accounts were only for biz trying to make it so unfairly that a person with the right mind could not accept i've been doing biz with them for decades and they made it seem like a was knew
Product: Debt collection

On XX/XX/2021, I saw a collection put onto my credit for {$1000.00} dollars for a medical bill that has nothing to do with me. I have not owed for any medical related bills in years and havent seeked medical attention since. I filed a dispute with experian and they deemed it as valid. I then called the collections agency, medical data systems, and they told me that someone with the same last name but a first name ( XXXX ) that Ive never heard of used my information on XXXX XXXX on XXXX XXXX. They had an address Ive never heard of and I do not recognize this person at all. I tried getting in touch with the hospital related to the account but they had no records of me and therefore would not help. Please help me get this off of my account.
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue. Please take action to ensure that my credit report accurately reflects all payments made on time, making it 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove all the FTC or FCRA vioaltions quit putting back in another name : this item was taken off 3 previous FTC violatins XXXX XXXX XXXX Account XXXX Account TypeCollection XXXX  Date XXXX2020 StatusCollection account. {$1900.00} past due as of XXXX 2020. 
Status UpdatedXXXX XXXX attach will prove of the above statement all FRCA vioaltins they didnt even notify me before they put it back on law requires them to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a car loan in the month of XXXX well I looked at my credit report and I noticed there are a bunch of other inquires on my report from XXXX XXXX, XXXX, XXXXXXXX ally, I was a victim of an inquiry issue and request that these inquires be removed from my credit report and a victim of an inquiry issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting incorrectly to XXXX ; XXXX and XXXX collections in the amount of {$26000.00} and {$54000.00} on the NAVIENT partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. These accounts have been sent to collections and therefore NAVIENT no longer owns this debt. I have attached a copy of the letter from XXXX dated XX/XX/2019 confirming they now own this debt. The incorrect reporting of a collection from NAVIENT needs to be reflected as a {$0.00} balance. This inaccurate reporting of a collection is harming my credit score and these line items need to be removed from my credit report.
Product: Checking or savings account

To whom it May Concern, I XXXX XXXX XXXX Has Not Been Able To Retrieve Not One Cent of My Money, Not Even with My debit Pre-Paid Card or Any Debit Card, and My Rewards Cards As Well, in XXXX, My Identity was Compromised misused caused by Identity -Theft XXXX XXXX Crimes, Dark Web, and as Well as. Company 's, Businesses, Groups, Teams, So Called Friends, Family 's, and Etc. 
I never Not Once Gave No Authorization for No One to Act On My Behalf, I do not Like doing Nothing Online, I like Doing All My Banking In Person Only! 
The Fact These Thieves Closed My WellsFargo Account in XXXX around XX/XX/XXXX As Well As My XXXX XXXX, date : XXXX XX/XX/XXXX ), That The IRS XXXX Provided Me To Get A XXXX XXXX Account, as of Today I'm Not Able To Withdrawal Not One Cent of My Money, also I know I'm Entitled To WellsFargo Wrong Doing, Where someone transfered My Money Out Of My Account, matter of Fact I work as A XXXX, Playing XXXX XXXXXXXX XXXX Games as Gig-Jobs the Fact I've been a XXXX for Literally 26 Yrs.

I Invested Every Single Dollar not ever Thinking That I Would Have For the Rest of My Life!

But Now I Don't and I'm In Need of Getting Some of My Money Back, the Fact I have To Live as Well as Anyone on this Earth, I have More Bank Accounts, as well As XXXX XXXX Account, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX also Just to make this Clear I'm Not From California, Never Have Been and Never Will Be from California, I was Born in The USA XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX And Current Bank Account Online, XXXX XXXX XXXX XXXX  Account, XXXX XXXX XXXX and A Whole Lot More! 
To Whom It May Concern as well as My XXXX Accounts, XXXX Accounts, XXXX XXXX Accounts, XXXX Wallet Accounts, XXXX XXXX Accounts, XXXX XXXX Accounts, XXXX Accounts, XXXX Account, XXXX Accounts, all My XXXX all XXXX XXXX XXXX, My Bank Accounts, Internationally Also I Live in XXXX XXXX XXXXXXXX And My Cellphone number is : XXXX XXXX Also I Know I Was A Consumer who hasn't Received Not One Cent From wells Fargo Online Banking and In-Person Thankyou!

Have A Great Evening!

God Bless.
Product: Credit card

I registered for an exam with XXXX for {$350.00} in XX/XX/year>, with a test date of XX/XX/XXXX. 2024. On XX/XX/year>, I needed to reschedule my test for XX/XX/year>, and was charged a {$40.00} change fee. However, I was charged the {$40.00} by XXXX, but they never scheduled the new test date. I contacted the company on XX/XX/year>, because I did not see the latest test while reviewing my account. XXXX reported that my payment never went through, so the new test date was not scheduled. However, XXXX advised they would refund the {$40.00} change fee, and the refund was received on XX/XX/year>, and confirmed by American Express. However, XXXX says I need to pay {$350.00} again to take my original exam because they did not receive the {$40.00} change fee, and my original test date remained. Please help me understand how this makes any sense. How can you refund the money you never received? Since American Express knows about all the transactions, why dont they refund my {$350.00}? XXXX will not allow me to take my exam without paying another {$350.00} or refund my money.
Product: Checking or savings account

Wells Fargo has continually avoided to answer the question why do they view transactions covered under their XXXX XXXX program as a derogatory event. This violates their advertisement that consequences with Wells Fargo are avoided with the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting or other personal consumer reports

I am writing to report multiple instances of inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act. Despite repeated disputes with the credit reporting agencies, these errors persist, threatening my financial credibility and potentially harming my access to credit. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure compliance with the FCRA to protect consumers rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Self Lender/XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( I never gave Self Lender/XXXX XXXX permission to furnish any installment accounts on my consumer report. )
Product: Credit card or prepaid card

On XX/XX/2019, I applied for a credit card through an offer from the mail. I followed the weblink on the application, citi.comXXXX and followed the prompts. 
Once the application was completed it was submitted and approved. I was not given the option to deny or accept the terms it was automatic. 
When you complete the application process you are automatically signed up for the card before knowing what your interest rates or what your credit limit will be. This is not okay at all. 
I should know exactly what I am signing up for before accepting and given the choice to accept or decline. 
Also, the mailer I received offered the interest rates at 23.99 % and was given 24.74 %. When I tried to call customer service at XXXX XXXX PST I was transferred twice, hung up on once and told there was nothing I could do until 72 hours of submitting the application. And by filling out the application I was approving whatever they gave me without given the chance to deny their terms.