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

On XX/XX/XXXX I opened a checking account online with Wells Fargo. I used my prepaid XXXX to fund the account with {$25.00}. Then on XX/XX/XXXX a young lady named XXXX XXXX contacted me about opening a savings account. I agreed and gave my XXXX info again to take {$300.00} and opened the savings. On XX/XX/XXXX another {$300.00} was pending as if she ran the transaction twice. I went into the branch on XX/XX/XXXX and was told that because they didn't SEE the pending charge i would need to contact XXXX. The banker also GUARANTEED me that my account was funded and in good standing and the {$300.00} was available to use. I did contact XXXX and was told that if Wells Fargo didnt deduct the funds it would be released in 11 days which i believe was the XXXX of XXXX. Now on XX/XX/XXXX another {$300.00} came out of the Wells Fargo savings account. I contacted the bank 8 times ; XX/XX/XXXX, XXXX, XX/XX/XXXX, 3 times on XX/XX/XXXX and twice on XX/XX/XXXX. Each time i was transferred and given a case number. If they listen to the calls there was a guy on XX/XX/XXXX or XX/XX/XXXX that said someone from the BANK initiated the " {$300.00} dispute '' on my behalf. I told the guy i never made a dispute so he made a dispute for the dispute they claim i made. I was then told on XX/XX/XXXX that it was in fact XXXX who made this {$300.00} dispute. I called XXXX and confirmed it was NOT them and told Wells Fargo I can provide proof or to CONTACT XXXX on a conference call and id verify. They instead refused and sent me a letter saying call XXXX which i already did and had them email bank statements to prove it was and is not them taking the money.
Product: Debt collection

A debt collector continuously calls me at least four times throughout the week. They have begun contacting my grandparents and parents. The debt collector asks them for my information and informs them that I owe a large amount of debt. The debt collector informs them who I owe the debt to but not the amount. The debt collector leaves voicemails at least twice a week if my grandparents or parents do not answer. My mother had asked them to stop calling her, but they continue doing so. My grandparents feel the debt collector is intimidating them by saying that they are trying to locate me and found their information so they know they are my grandparents. The debt collector told my mother, we found your information so you are her mother, and when my mother told them she was not providing my personal information to them and asked for their name, the debt collector disconnected the call ; however, they continue to call. 
I do not let any companies know about my family relations, so I am unsure where they received the contact information for my family members. Any financial matters are personal ; therefore, the debt collector is releasing my personal matters to others without my consent. This complaint has not been communicated to the debt collector that continuously harasses my family because we do not know who the debt collector is since they fail to identify themselves other than saying DSR.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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: Debt collection

LVNV FUNDING LLC is a Debt Collector who has reported a debt of {$560.00} that I do not owe, to the Credit Bureaus. I have contacted this collector several times to validate the Debt and send me documentation to prove that I owe the debt. This collection agency just sends a bill without any documentation that I owe the debt. This debt is not my debt and may be because of identity theft because I never opened that credit card. 
Their address is : LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Phone # ( XXXX ) XXXX
Product: Bank account or service

I had a joint account with my son that was compromised by fraudulent activity. My son was a victim of identity theft and his account accrued unauthorized charges. A report was made to USAA to rectify the situation, but instead of providing us with outstanding customer service, we were treated like the CRIMINALS. I along with my son and his mom called into the customer service for USAA on several occasions and received horrible service. Each time we called in we were put on hold for hours at a time, passed along from person to person and department to department without anything ever being resolved. I have spoken to supervisors who promise to get back with me within 48 hours and I never hear from them, I am so frustrated with the poor excuse for leadership and customer service that USAA has. Since 2012 my account has been compromised 5 or 6 times and USAA has yet to resolve the issue. I have asked on several occasions to close out and reopen my accounts but they assure me that nothing is wrong. Now I 'm stuck with a {$400.00} bill for fraudulent charges that were n't properly investigated by USAA. There customer service is HORRIBLE!! VETERANS BE WARE!!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX and EQUIFAX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$6900.00}
Product: Checking or savings account

XX/XX/2023 XXXX XXXX XXXX scammed me of {$84.00} I never received the service I have filed a police report on fraud as well as a recorded phone call with the merchant. And the bank will not stop the payment from the merchant. I should be in control as to what and where my money is spent if I said I was scammed why should I have to wait for the merchant to get my funds back? when u can stop payment after all it is my money and I shouldnt be able to be scammed that easy with no rights.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.
Product: Credit reporting or other personal consumer reports

These accounts have been inaccurately combined on my credit report, and you have included accounts that should not be there at all. This is not only unfair to me but also deeply troubling, as I have never been involved in any of the activities you are attributing to me. If you do not investigate and resolve these discrepancies, I will be forced to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX is reporting blatant inaccurate, inconsistencies on my report and according to the FCRA Statutes 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

Inquiries were removed from my credit report and re-added without any documentation or reasoning received. 


XXXX XXXX XXXX, XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

My new mortgage was sold to PennyMAC this year. 
I attempted to make the first payment with the PennyMAC online payment website, XX/XX/2019. 
It was not functioning. It went to an error page. Calling the " customer service '' line was futile. The recording said there were 143 people in line ahead of me. I could use the automated phone payment service though - but at a {$15.00} service fee! Calling any one of their " customer service '' lines resulted in no contact in order to resolve my issue [ I could not have payed over the phone with an automated service anyway, since my house payment came from two different banking institutions. ] I finally took time off work to go to the post office to get money orders to pay my house payment. I have not received a payment conformation or any contact from PennyMAC. 
Today, XX/XX/2019, I tried to pay my house payment online at the PennyMAC payment site. I have my military and XXXX pay going to one account now [ with the XXXX XXXX XXXX XXXX through XXXX ] and tried to register it at the payment site. The site said that XXXX 's routing number was not valid. It is the same routing number XXXX offers to all clients, customers and other banking institutions. That is how my government direct deposits get to XXXX Bank. This is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do believe their routing number is legitimate. 
I tried calling PennyMAC 's " customer service '' numbers. Several of them. This time there were 400 people in line in front of me and one automated answerer said that I would have to wait 40 minutes to get an agent. BUT, I could use the automated phone payment service for the {$15.00} " convenience '' fee. This is called EXTORTION. 
I looked PennyMAC up on the XXXX website. There is nothing but complaints about this operation resembling mine or worse, like hidden fees, service charges for late payments and sending harassing foreclosure notices to individuals, like me, who were unable to make their house payments due to PennyMAC 's incompetence - or perhaps by PennyMAC 's design.
Product: Debt collection

Pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act, the Fair Debt Collections Practices Act and HIPAA compliance laws, I am filing this complaint against STERN RECOVERY SERVICES because of a invalided debt that was placed on my credit reports without due process ... .process to include, Notifying me of their attempt to collect on a debt that I have no knowledge of and they never sent me a letter or notice, they just placed this bad debt on my credit report.

Based on the above mentioned Federal laws they are clearly in violation of my rights as a consumer. The alleged debt amount that they are attempting to collect on is {$110.00} the original credit is XXXX-XXXX  XXXX. 

As a XXXX  on the XXXX XXXX XXXX XXXX each and everyday I find it insulting for this agency to use deceptive strong armed tactics in an attempt to ruin my credit rating. I am truly aware of my rights under the HIPAA and they have clearly been violated.
Product: Debt collection

Im am a XXXX XXXX XXXX minor and am getting called everday by a company who claims to be a debt collector for a balance i do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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, credit repair services, or other personal consumer reports

I have contacted all 3 credit agencies informing them of inaccurate personal information such as names and addresses yet they have failed to remove them. Please delete all inaccurate wrong personal information contained in the letter attached.
Product: Credit reporting or other personal consumer reports

I'm not sure of the school name but in the past I noticed that netlet was on my credit report. I spoke and tried to dispute it but they say it belongs to me. The only school I went to was XXXX XXXX XXXX. My identity was stolen I made a report with the XXXX XXXX police department in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts Cavalry, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.
Product: Credit card

I didn't see the exact option listed for my complaint. But I've notices several unauthorized inquires on my XXXX credit report that wasn't made by me and here is the list with the dates attached and I need them removed. 

pentagon fcu XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested my credit report on XX/XX/2024, but Trans Union refused to give it to me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX ' XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX XXXXXXXX BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Student loan

I have a variety of Federal & Private loans for myself & also Parent-Plus loans for my son. ( my ex-husband refused to co-sign or help ). These loan balances now exceed {$80000.00}. I am XXXX years old & this loan balance exceeds my annual income. Navient is the current loan servicer for ALL loans. I went back to school " online '' to finish my degree when I was XXXX & my children were graduating high school, which I never had time to do, working full time & raising my family. Like a mortgage loan ( & these are often just as much & certainly more risky ) these loans did NOT qualify me to be actually able to repay them. How can these loans be given so freely, when the repayment is worse than federal taxes?! The money is given too easily. I was not then & certainly not now qualified or able to repay all of this debt. The Federal government should reduce the interest to zero & cut balances in half to prevent a certain national financial crisis, which will be just as bad as the XX/XX/XXXX mortgage catastrophe. I graduated in XX/XX/XXXX, right before the " crash ''. I was unemployed for two years & then finally took a salary of $ XXXX in XX/XX/XXXX. By then, I had used my savings & took withdrawals from my IRA to pay bills & student loans. the 401K should have a loophole to remove penalty & taxes if used to pay these loans down. The Government has far too many restrictions. I had to have deferments & interest only payments resulting in ever increasing principal balances & higher future monthly payments. Since then, now ALL Of my savings are gone, my IRA is further depleted. My loans are all on forbearance yet again. My future is bleak. As a consumer & provider for my family & myself my retirement will be non-existent & future is so very restricted. These repayments are ALL wrong. The parent-plus loans should be REMOVED from my social security #. This is NOT right. There should be an age limit, when ALL loans are to be forgiven such as 60 years of age to allow recovery. THE US GOVERNMENT wastes money on frivolous travel, expenses & overseas projects. These loans should NOT be a source of revenue. They are damaging lives & the economic stability of the Country. The so-called repayment plans are worthless.
Product: Credit reporting or other personal consumer reports

THIS IS NOT MINE XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

If the disputed information is found to be incorrect or unverifiable, it must be deleted, block account, or corrected items. I request the blocking of fraudulent information. ensuring it does not affect my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX {$300.00} XXXX {$680.00} XXXX {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX Balance : {$760.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, PayPal sent me an email with the subject line, " You can no longer do business with PayPal ( Ref ID - XXXX ) ''. The email stated that my PayPal business account is permanently limited due to " potential risk associated with the account '' and my funds would be frozen for 180 days. 

I am a brand new coaching business, I signed up for this PayPal Business account on XX/XX/2021. At the time I received this email, I had a total of 3 customers who had paid me a total of {$1100.00} through PayPal. 

I am unable to access payments from these three different clients. The transaction deatils are as follows : XX/XX/2021 - {$330.00} XX/XX/2021 - {$440.00} XX/XX/2021 - {$440.00} I reached out to PayPal for an explanation on XX/XX/2021 and spoke with XXXX from PayPal Limitations Department. XXXX told me that she was unable to tell me why I can no longer do business with PayPal and she told me that the decision was irreversible. When I asked for more information, XXXX told me that that information was for " internal use only ''. She also told me that I would need to wait for 180 days from the time of the account being disabled to be eligible to receive my balance of {$1100.00}. 

I asked to be connected with her supervisor and she told me I would get a call back from XXXX XXXX, " one of the supervisors in the back office team ''. 

I then spoke to XXXX XXXX, who identified himself as a PayPal supervisor, and he told me the same thing XXXX told me. At no point was the conversation heated. He ended up leaving the call without explanation by putting me on hold ( with no warning ) and then never came back. I waited on hold and the call was disconnected after around 10 minutes.