23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Spoke with XXXX XXXX at XXXX XXXX to resolve credit card debt in XXXX. Payment arrangement of {$450.00} was set to start XX/XX/2018 and final payment was made on XX/XX/2018. I've spoke with XXXX at this company multiple times since the final payment requesting that they remove paid debt from my account and no action has been taken. I've tried to dispute the debt and the company has denied to remove the bill from my collections. I also have a letter stating that this bill is resolved and paid in full from the company.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, XX/XX/2020, and several times in XXXX and XX/XX/2020 PNC has not allowed me to Access my account through a third party so that transfers can be made between my two domestic checking and savings account. I should be able to access my PNC account by any means I choose electronically, including signing in through another banks web access point. I have attempted on several occasions to connect my PNC bank account by providing my correct log in information to credit karma bank account. I am unable to do so. PNC is not allowing access to my virtual account online. This is a violation of consumer Account access to a virtual account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and multiple banks like XXXXXXXX XXXX score powered by XXXX XXXX XXXX XXXX XXXX  all say i have scores in the XXXX to XXXX for years. I paid 100 % on time payments since I was a XXXX XXXX XXXX kid and paid 100 % on time for over a decade as one brought up in a low income minority. My credit use is XXXX % now. i took pics that show a bit higher but still in the green. XXXX derogatory marks, over 20 accounts, and only 1 hard inquiry from like 2 years ago. and 4 year average which is only 10 % of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has 80 % payment history over 30 late payments. a 96 % is lowest red. He got 80 %! 60 % card usage vs my XXXX %. a {$2000.00} credit limit vs my near {$50000.00}. only 10 accounts vs my XXXX. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and credit karma while having 100 % marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over 30 late payments and over 60 % usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. 98 % 3 hard inquiries 3 greens, 3 yellows has almost XXXX SCORE! I have 5 greens, and 1 partial red 4 year average only 10 % of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the 35 % 30 % formulas I should be easily over XXXX especially if a 98 % history with 3 hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.
Product: Money transfer, virtual currency, or money service

Coinbase took {$2500.00} deposit that was made to purchase electronic currency. After they cleared the withdrawal from my bank they locked my account and have kept the funds. It has been over 6 months and they have not given me my {$2500.00} usd or the equivalent in electronic currency.
Product: Payday loan, title loan, or personal loan

Hello, I am writing on behalf of Wells Fargo noncompliance with SBA forgivable loan programs which were submitted prior to the deadline. After months of Wells Fargo closing accounts without consent and not following up on client services related to business and personal al accounts- this is a significant issue with the banks integrity and customer service affecting consumers. After many attempts at correcting this issue with the banks in person and through phone correspondence, they have been noncompliant and deflect responsibility to loyal consumers. I mention this as Wells Fargo has been under scrutiny for their business practices for over 5 years and it seems that this is a larger systemic issue with their business ethics which go against the interests of their consumers and government mandate. 

Thank you.
Product: Credit reporting or other personal consumer reports

Over the last 4 years I have tried to get the supposed debts validated or removed the bureaus refuse to do so. they also refuse to remove inaccurate information off of my report. XXXX also now refuses to allow me to do any disputes online etc. XXXX i can not see or even dispute my credit UNTIL i PAY them the XXXX a month. I have several collections that are from a debt buyer when the original account is at XXXX XXXX XXXX or more. But yet the debt buyer account shows as brand new and is ILLEGALY reaged and the bureaus refuse to fix or even remove them and they are substantially harming my credit. All my collections have failed to provide debt verification and the bureaus themselves have refused to act on my behalf.
Product: Vehicle loan or lease

I was a victim of XXXX  XXXX  and debt XXXX. Lost my job and many other things. I am trying to put my life back together. Bank of American has been reporting late payments on a vehicle that i purchased which was stolen. I havent been able to pay the full amount due since ive been release from bondage in XXXX XXXX trying to secure a new job. I have attached all the documents needed. My new license and address info is also included.
Product: Debt collection

Every morning this week XXXX keeps calling me, waking me and my family up. Pretending to be chase to try to collect my debt. My phone hangs up on them or I end up hanging up on them. This is in convenient and affecting my sleep. Please stop them from calling me.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX placed a late payment on XX/XX/year> Account number XXXX. I have never made a late payment on this account. I contacted XXXX XXXX about the late payment and was told there was nothing they can do since the account is closed.
Product: Checking or savings account

My landlord emailed me on XX/XX/XXXX and asked me about a check from XXXX that he believed was not deposited. I asked him to give me a few minutes to research it. I emailed him back and told him that I wrote the check on XX/XX/XXXX and that he deposited it on XX/XX/XXXX and if he needed proof to let me know. I never heard from him. On XX/XX/XXXX when I was checking my bank statement I saw that he cashed that check in the amount of {$1600.00}. I immediately tried to call him and it went to voicemail. I went back online and took screenshots and texted him to show that he already cashed that check. Still no response. I called my bank who researched the information and confirmed that this check was already cashed 2 years earlier but I needed to wait 2 business days to get my money back. How can a bank cash a check that is XXXX years old? My landlord knew this was cashed, I told him and I have the proof on email that I told him it was cashed yet he still cashed this check causing my account to go into default.
Product: Mortgage

Important fact : I am not the note holder on the bank note in question. 
I am a property owner listed on the deed of trust to a property Selene Finance is pursuing foreclosure on. 
Last payment paid to Selene Finance was XX/XX/XXXX. 
Bank note holder filed bankruptcy and it has been XXXX XXXX Relationship to bank note holder : x-wife. 
Refinanced XX/XX/XXXX new deed, x-husband tool bank note in his name as per divorce, mine remained on deed of trust as he owed me {$50000.00} in equity. 
New deed paperwork was signed at my home in a different state and is noted on the deed. 

I received a call from a realtor on XXXX XXXX inquiring why we were letting the home go to foreclosure? 
I had absolutely no knowledge. Selene Finance or the XXXX XXXX XXXX and XXXX made absolutely no attempt to notify me the property was at risk or being foreclosed on. Spoke with XXXX and XXXX on XX/XX/XXXX who confirmed my name and present address was in the file however all correspondence was being sent to the vacant property being foreclosed on. 

Quick claim deed executed on XX/XX/XXXX and recorded on XX/XX/XXXX deeding the home solely to me. 
Home listed on the market XX/XX/XXXX. 
Contracted to sell on XX/XX/XXXX with a settlement date of XX/XX/XXXX I have tried repeatedly to speak to Selene Finance. I have provided the new deed as asked by Selene Finance rep XXXX on XXXX XXXX so they could add me as succession. They refuse to add me. 
I have spoke to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX who have become increasingly hostile. 
I am trying to ask for the excessive amount of fines, fees and charges be removed as they failed to contact all property owners of default.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent in a complaint regarding unauthorized activity that was discovered on XX/XX/year> for a paypal account that I was using to send money towards. 

I received word from the company and the company called me and we spoke about what had happened. I spoke to a XXXX XXXX XXXX, and he found out that The investigations ( Resolution Cases ) had not had any of the documents that I had been submitting to be looked at. XXXX XXXX gave me an email to send my documents to and that he had authorization to re-open the case. Upon waiting, I have had no communication since then. 

On XX/XX/year> I called Paypal and they were unable to re-open the case because their systems would not allow them. 

Bank XXXX XXXX whom I have opened Cases with them can not proceed further because Paypal, despite the evidence that I have submitted to both companies, will not admit that Unauthorized Access had happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To whom it may concern, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The following account holders are listed below : Fair Collections and Outsourcing has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Fair Collections & Outsourcing, illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX and XXXX. I did not grant Fair Collections and Outsourcing permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedies and make the following demands : - Cease and desist reporting of the account name filings to all consumer reporting agencies. 

- Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 



Regards, XXXX XXXX XXXX
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. Act Name : XXXX XXXX, Act Name : XXXX. Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX , XXXX  XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX, XXXX XXXX15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries from my credit report. I am a victim of a data breach, and my personal information has been used fraudulently. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiries be blocked and deleted from my credit file immediately. 
Fraudulent Inquiries to Block and Delete : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX
Product: Debt collection

This letter is in response a letter from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$4200.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, XXXX this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting accounts that have been requested by the debt collection agencies to be removed. Experian refuses to delete this information or stating my disputes are duplicates. I have uploaded the actual documents from the collection agencies that shows they have requested Experian to delete the accounts from my credit report but Experian continues to report these accounts anyways.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my credit report that I did not authorize on XX/XX/ for XXXX XXXX XXXX
Product: Debt collection

Navient sent a letter to my grandparents to try to get them to have me contact them. I have submitted a request to have my student loans forgiven through FSA due to fraud from the college ( XXXX XXXX I attended and that is pending a decision. I will not contact Navient until I know if my loan has been forgiven or not. 

My grandparents are not in good health and my grandfather is now worried Im financially unwell due to the letter from Navient. He does not have much more time to live and now hes concerned for my well being in his final days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXCLUSIONS its ILLEGAL TO REPORT INNACCURATE INFORMATION on my consumer report. 
DELETE ALL WITHIN XXXX DAYS
Product: Credit reporting or other personal consumer reports

Us Bank sent me email saying I had a balance that was over the limit but I dont recognize this. I have a feeling someone used my information without my consent. I filed a dispute with XXXX but they said it was accurate which I heavily disagree
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Experian regarding this account and told them that they are reporting it incorrectly. It has been adversely effecting me and has ran my utilization up! I finally received the same letter that the bureaus did and they have done nothing with it!! I need someone to assist me with getting this negative item removed. I have two account with XXXX XXXX XXXX  and they are updating the WRONG account.
Product: Credit card or prepaid card

I was contacted on XX/XX/22 from XXXX in the fraud department regarding some claims that occurred the day before on my JC Penney Mastercard. My card was cancelled, and I was told I would not be responsible for the fraudulent charges. On XX/XX/22, I received 2 boxes labeled XXXX XXXX that I did not order. They appeared to be some type of diet supplements. I called the Synchrony fraud department and informed them of what I received. I was told to return them to the company which I did XX/XX/22. The statement I received dated XX/XX/22 listed the company I received the boxes and returned to as XXXX XXXX. The charges were for {$60.00} and for {$190.00}. I never heard of the company, nor did I ever attempt to purchase from them. The next statement dated XX/XX/22 shows the credits from the company XXXX XXXX for the 2 boxes I returned. {$60.00} and {$190.00}. It also showed 2 purchases from some place called XXXX XXXX ; 1 for {$59.00} and 1 for {$190.00}. I received a letter from Synchrony Bank dated XX/XX/22 stating that since the purchased items were shipped to my address that they would not approve my claim. I only received the 2 boxes and returned them as I did not order them. If I had ordered them, I would gladly have paid for them. I contacted the fraud department again to tell me what merchandise I supposedly received from XXXX XXXX. They said they were vitamins, but they could not give me a contact number for me to call the company. I did not receive anything from XXXX XXXX. I am still being charged on my JC Penney credit card for this XXXX XXXX, which the amounts are similar to what the fraudulent charges from XXXX XXXX were. I was contacted about the fraud from the beginning, but I am the victim of the fraud. I cancelled the new card they sent me on XX/XX/22 when I received the letter from them stating that I was responsible for the charges.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Coinbase account to these fraudulent investment companies. 
Coinbases Position : Coinbase wrote in a letter Coinbase has no relationship with the third-party whom you state owns the blockchain address to which your XXXX was sent when you authorized your sends. Given the nature of XXXX  and XXXX  transactions, Coinbase makes it clear to its customers that they must take full responsibility for all XXXX  transactions that they instruct and authorize Coinbase to make on their behalf. 
I also contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but they also didn't help me Please help me I lost my life savings and need your help to get my money back I was affected financially and emotionally due to this dilemma and currently in a bad situation
Product: Credit card or prepaid card

I contacted c.comenity.net- Victoria Secret customer service to advise of the amount that was shown on my XXXX XXXX of a balance of XXXX when my credit limit was {$400.00}. I had made a payment of {$140.00} on XX/XX/XXXX as that was the amount I owed and was sent another credit card that I never activated due to wanting to get rid of another credit card and moving address. I wasn't aware the payment was not taken and was bounced back for some reason. I was made aware on Monday, XX/XX/XXXX, that the balance was now XXXX dollars I called to explain however I was advised that I had to pay the whole amount which I refuse to as I now longer have a credit card open with them. I told them I was willing to pay the XXXX that I had spent I was advised I couldn't so now I have to pay XXXX of interest when they have my email and could have provided this information to me with detail of the XXXX paid in XXXX not going through and I could have avoided the XXXX of interest.
Product: Mortgage

When setting up payments on this brand new loan in the year 2019, XXXX charged us a late fee. We called. They recognized that this was not legal and remove the late fee. Recently our loan was purchased by a new company, XXXX XXXX, and for some reason the late fee reappeared right as the loan was being transferred. XXXX XXXX is now trying to collect it. XXXX, when I called did not acknowledge that there were any late fees due on the account. However, I initiated a complaint with cfpb and XXXX provided information about the late fee. Everybody is pointing at each other and I'm left being told I have to pay an extra {$100.00} for no good reason. I want this late fee removed
Product: Debt collection

The County of XXXX XXXX is engaged in harassment and intimidation tactics by issuing tickets to law abiding citizens and referring accounts to collection agencies. I am trying to apply for employment and these heavy handed collection practices are prohibiting me from getting hired. I went in front of a judge and agreed to pay the extortion fees assessed against me and was told I would have time to make my payment on line. However, I received a call from a XXXX party collection agency ( AllianceOne ) demanding payment from me on the alleged infraction. The county has other means to enforce collections that should not include reporting my balance to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company did not notify of attempt to collect debt in writing. Company reported incorrect amount of debt. Company threatened to take legal action.