23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/XXXX I have I have recently disputed this account it was updated but my request was to DELETE credit card ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. 

DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days THE CREDIT BUREAUS AND XXXX XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already mad an identity theft claim thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please help me. After years of waiting on XXXX to remove an incorrect 30 day late I am growing frustrated and XXXX 'S lack of knowledge and care about correcting a wrong delinquent charge is stressing me out and it is their responsibility to adjust this and yet I have been waiting years with no results promised to me. 

Covid has hit and I have been unable to reach proper departments and I have sent letters and spoken to agents in the past who have assured me that an error on the part of the merchant would be corrected after I provided proof of that letter to XXXX. The 30-Day late REMAINS on my credit report, which also affects my nephew who is a JOINT holder on this account. 

XXXX is being extremely lazy and irresponsible, they are ignoring my multiple requests for correction and ruining 2 separate humans beings ' credit reports. I have perfect credit and always have, this is absolutely torturing me and no one at this company does what they say. 

I will sue very soon because they had 30 days to correct this, I was told by multiple agents the change would be done within the end of the month years ago and it is still there! 

Please, pull my phone calls, check the email communications between myself, my nephew and XXXX and retrieve the letter from XXXX XXXX XXXX which takes full responsibility for incorrectly charging another clients services on my credit card on file and my account because those clients had the same last name as me. I was not there, I was not aware and this is absolutely unfair on my credit report. I have spoken to multiple people and so has my nephew and nothing has changed! Because I never charged anything or authorized any charges this payment went unseen until my credit report tanked and so did my nephews, yet it was not our fault. 

FORCE XXXX TO DO THEIR JOB, PLEASE!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated two payments via Wells Fargos ACH transfer portal from my XXXX XXXX XXXX XXXX account to my Wells Fargo business line of credit. The first payment of {$20000.00} was processed without issue, but the second payment of {$19000.00} was inexplicably placed on a " fraud hold, '' preventing access to the funds until XX/XX/XXXX. Both payments originated from the same account, using the same portal, and were for the same purpose. Wells Fargos inconsistent handling raises serious concerns about procedural fairness and potential discrimination. I even requested a refund for the held payment and was told no. 

At the Wells Fargo branch on XXXX XXXX XXXX in XXXX, AL, Banker XXXX XXXX described the fraud hold as unusual, stating, Ive never seen a hold like this last for over 30 days. Branch Manager XXXX XXXX attributed the hold to the payment originating from a credit union, suggesting potential bias against such transactionsa violation of the Equal Credit Opportunity Act ( ECOA ). When I requested documentation to justify the hold, staff claimed they " couldnt provide it '' and instead filed an internal complaint ( ID : XXXX ), citing their lack of understanding of the situation. 

On XX/XX/XXXX, I received a letter from Wells Fargo, dated XX/XX/XXXX, misaddressed to my personal address rather than my business address. The letter demanded excessive and irrelevant documentation, including a voided check, a bank statement showing payment details, and a confirmation letter from XXXX XXXX XXXX XXXX. These requests were unnecessary, as XXXX had already verified the payment on XX/XX/XXXX. Such demands violate customer privacy and fail to meet regulatory obligations under Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

The delayed release of funds caused significant financial and emotional harm, including breach of contract for line of credit usage. Due to the unavailability of funds, I incurred overdraft fees and was forced to use a credit card to meet the XX/XX/XXXX, property tax payment deadline. This resulted in interest charges and financial strain on other accounts. Additionally, this situation created undue stress during a critical financial period and disrupted my business operations.

Several discrepancies highlight Wells Fargos unfair practices. Two payments made on the same day through the same portal were treated inconsistently, with no valid explanation. The hold was attributed to the payments origin from a credit union, suggesting discriminatory practices. Despite requests, Wells Fargo refused to provide documentation, obstructing my ability to challenge the hold. Their excessive documentation demands and misaddressing of correspondence delayed resolution further.

Wells Fargos actions violate multiple regulations. Discrimination against credit union payments breaches the ECOA. Their lack of transparency, refusal to provide documentation, and invasive demands violate UDAAP standards. Additionally, their actions breach implied duties of good faith and customer privacy expectations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XXXX, I sent in a request for my Consumer Report. I received an email on XX/XX/2021 to resend in the information. I have submitted my request along with my identification several times and to date I still have not received my report ( See attached )
Product: Debt collection

Date Assigned XX/XX/2019 Account Number Open PORTFOLIO Recovery Original Amount Owed {$440.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Debt collection

debt resulted in termination of lease over 2 years ago, ,no info was ever recieved until now ... we moved to a house we settled the acct from the previous apt company
Product: Debt collection

I have no idea what this company is doing on my credit reports. I have never heard of them or from them and I only get insane amounts of calls demanding money. I have never left a debt unpaid and I dispute this 10000 %! I want these people to stop scamming me for money that is already covered by write-offs and taxes. They are illegally recollecting on top of money already written off and adding astronomical fees and interest not legal for them to do in my state! 

fdcpa laws were violated when i initially disputed this without any results or notice and they never ceases and desisted when i asked them to. I am frustrated and XXXX as to what they want and why they are harassing my family! I will give them 30 days to get their illegal collections off of my credit reports or I am taking this proof to small claims and suing them for FDCPA violations in my state!
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending a CEASE AND DESIST LETTER TO PNC BANK XXXX XXXX XXXX XXXX MAIL ( 1-day delivery ) To stop harassing me, which includes text messages, mail, emails and phone calls on XXXX XXXX. Pnc bank are still harassing me as of XXXX XXXX. 

Pnc is yet again in violation of 15 usc 1692c!

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except Pnc sent me an email, violating 15 USC 1692c! 
Knowingly doing so. Attached will be a copy of this law and also a picture of Pnc harassing me via email. This is causing so much emotional distress because as a consumer, I have consumer rights. 

Pnc also does not have permissible purpose and the letter sent out XXXX XXXX has also stated every other law that was violated by PNC. I have given PNC a month to comply with my letter.
Product: Mortgage

I have received a voicemail stating LoanCare has attempted multiple times to contact me in regards to my issue. This is the first voicemail I have received regarding any issue. I had previously requested a copy of all corespondent, both verbal and written, that the company would have recorded. I have yet to receive that information. I have been on the phone for over an hour now and have spoken to 6 different service representatives in an attempt to return the call as the two numbers provided in the voice mail are a non working number and the number for their front line customer care respectively. There is no option to input the extension number provided when contacting the front line customer care center. The initial complaint they are leaving the voicemail for was for a complaint regarding an incorrectly recorded forbearance end date and auto pay issue. I have been on this last call, having been escalated to the front line representatives manager, for over 40 minutes now, the majority of the time on hold.
Product: Bank account or service

My account was never resolved after disputing several charges from a rental car service. My account was closed even after speaking with a banker at Chase Bank. I then obtained a XXXX Money Card.
Product: Vehicle loan or lease

I am the victim of identity theft. PNC Bank wrote an auto loan to a person who was using my name, but was not me. There were several loans written in about a XXXX week period before I discovered what was happening. All of the other loans were resolved. Unfortunately, PNC has been completely unreliable in both the promptness of their credit reporting, which is why it took so long to discover the PNC loan, and in contacting me to resolve the issue. 

On XX/XX/XXXX, they sent me a number of forms to fill out to verify my identity. I returned these forms, notarized, as well as the additional information they requested on XX/XX/XXXX. I have not heard from them since then, nor can I reach them by phone. They then reported this loan as " verified '' to XXXX, even though it is clearly identity theft. 

It is impossible to speak to anyone there to resolve this. I have spent more than XXXX hours just waiting on hold on the phone with PNC, only to be told I can't be helped.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX keep disrespecting the laws. I showed them XXXX times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit card

Synchrony ( JCPenney ) Mastercard had an {$8000.00} Credit Limit. Payment Made on ( XX/XX/XXXX ) at XXXX Receipt after making the {$1000.00} extra payment said {$3200.00} Available to Spend. Upon trying to charge a payment on ( XX/XX/XXXX ) from my Vet for {$250.00} I DECLINED and discovered on the Synchrony Billing Page that My current balance reduced to {$4800.00} but only ( {$150.00} ) Available to Spend. Synchrony does not dispute the Payment. - {$1000.00} 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  - {$200.00}. as this clearly indicates my payments have been many time Twice a month and almost always much larger payments than the Minimum Required. I want to know why this action was taken by Synchrony.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Experian Dispute XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX {$5900.00} XXXX {$270.00} {$5900.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX {$290.00} XXXX - {$290.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX 2023. Purchased a rug through XXXX, XXXX XXXX XXXX " Bought it through PayPal in a pay in XXXX agreement. When the rug arrived I discovered it was the wrong rug. Immediately tried to reach XXXX, XXXX XXXX  XXXX, XXXX times, to no avail. 
XXXX XXXX I opened a dispute case with PayPal. I was finally able to talk to a person at XXXX XXXX XXXX XXXX Supervisor sent me a return label. 
XXXX 2023 Was dropped off at local XXXX office in XXXX Pa .Return rec. received. 
XXXX 2023 Rug arrived at final destination at XXXX. Logged in by XXXX. Notified representative at PayPal, he looked up return tracking no. Confirmed it's receipt. Assured me the info would be properly logged in. 

I have since been through XXXX appeals and no one there seems to be able to rectify the issue. They're still holding XXXX of my payments and sending me notices that my third and fourth payments NEED TO BE PAID!!! I had to pay to have a stop payment on my ck. acct. 
I have attached the proof that I sent PayPal in multiple emails and texts. 

also I have called them many, many, many times and can provide you screen shots of each call if oyu need them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account does not belong to me and should not be reporting on my credit report. This account belongs to my son. I have contacted XXXX and the representative that I spoke with assured me they would remove this account, however the account continues to be reported on my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Debt collection

Convergence Outsourcing have been told not to contact a specific number ( XXXX ) because it is a business number. Even after requesting them to cease and desist of contact they continue to call me, completely ignoring my request. They have been reported to the FTC once before, and no action have been taken, especially when this is a complete violation of the FDCPA. I feel they are continuing to contact me in attempt to harass me and my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$22000.00}
Product: Credit card

I purchased airline tickets but I never received a confirmation from XXXX XXXX. When I contacted XXXX they had no record of my purchase when I called. Then my credit card was charged for the purchase I contacted XXXX again to ask them for the ticket reservation information which they failed to provide. That's when I contacted my credit card company which said they would contact XXXX to investigate. A month later my credit card company sent me a letter stating that the issue was resolved and they were issuing a credit. Thinking that the issue was resolved I purchased new airline tickets from XXXX XXXX. Two months later my Citibank reversed their decision and charged me again for the airline tickets. They told me to contact the merchant to resolve the issue. XXXX canceled my airline tickets because I requested a refund from the credit card company. XXXX tells me to get my money back from the credit card company and the credit card company tells me to get my money back from XXXX. I am out {$950.00} dollars plus interest and no airline tickets as well. I have provided 26 pages of documents to Citibank yet they refuse to properly investigate my claim. XX/XX/XXXXis the worst airline ever and Citibank Shop Your Way Card ( Sears Credit Card ) is very irresponsible in not doing a proper investigation.
Product: Checking or savings account

I have an issue I wont to update my address and phone number to receive my settlement check XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a home loan application with Wells fargo put an offer on a home that was accepted on XX/XX/XXXX. I completed home inspection on XX/XX/XXXX. The results of the inspection were not favorable so on the XXXX I notified Wells Fargo I would not be proceeding with the purchase of that home and completed a new home mortgage application so that we can have a higher budget. Later that day we received an email that my application for the first loan was moving forward. I quickly called Wells Fargo and advised them a second time I was no longer interested in the first loan that I cancelled my offer with the home. I also asked about the appraisal. I wanted to make sure it was not completed because I would not proceed with the first loan and did not want that completed specially that I would be charged. I was told not to worry that papers were never submitted for the appraisal it didnt have to be cancelled. A day later I received an email that the first loan was now going to underwriting. I then sent an email asking them to please not proceed. On XX/XX/XXXX I receive mail at the house long and behold it was the appraisal of the home I had cancelled. We were charged over {$500.00} for an appraisal that we cancelled timely and did not want. After this I have contacted Wells Fargo and escalated with XXXX XXXX supervisor, XXXX XXXX XXXX ext XXXX. She advised in XXXX she would conduct a research and would take 10 days. In 10 days she advised she would need 10 more days which the latest would be XX/XX/XXXX. Sine then I have called XXXX she has not provided a follow up and no longer answers my call. I then called Wells Fargo and spoke to their executive office and they reported my case would be assigned to someone who would contact me in 2 buisness days at latest. Still no reply.
Product: Credit reporting or other personal consumer reports

I had got a position for new job they needed me to bring in my Social Security card and my passport or drivers license. I stopped at the grocery store and left my pocketbook in the carriage. When I realized it, I turned back around and went back and my pocketbook was gone, so they went and got car loans in my name, cell phones in my name and credit cards in my name. I contacted the credit porting agencies all three and they did nothing but put a fraud alert on my account. That was it.
Product: Credit card

I have a credit builder account as well as a credit card with Self Financial and I received a notification that I would be able to increase the limit on the secured credit card that I have by transferring funds from my credit builder account. I received a push notification as well as have a notification on my account dashboard. However, when I click the button on my dashboard to do this, it doesnt lead anywhere. It just refreshes the same page. When I talked to a customer, service agent, they mentioned that I need to wait until my most recent payment toward my credit builder account had cleared. I did that, and yet I was still having the same problem. When I contacted customer service again, they stated that I was not able to increase the limit on my credit card despite what the notification and my account dashboard says. They were unable to provide a reason as to why. this is false advertisement.