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

Consider this complaint as a follow-up to my previous attempt to ensure that these items are entirely removed from my file : 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 Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$84.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Product: Credit card or prepaid card

I had made previous purchases on promotion with XXXX XXXX, differed interest for so many months, I have one purchase that ends on XX/XX/XXXX with a balance of XXXX, one that ends on XX/XX/XXXX with a balance of XXXX and the most recent one with a balance of XXXX ending on XX/XX/XXXX. up untill now the majority of my payment has been being appied to the purchase promotion due to end in XX/XX/XXXX but this months payment went mostly to the newest larger purchase. I called and was told that each purchase has its own min payment. I asked about the extra i sent above the min payment and was told that the extra must be split between the 3 purchases as well. This will make it impossible for me to pay off the promotion due to end soon without paying off the entire balance. I believe this is an unfair practice that will lead to them recouping the differed interest and that the promotion is misrepresented.
Product: Debt collection

On XX/XX/2023 I received an email alert of activity related to my credit from XXXX showing a debt collection opened on XX/XX/2023 for {$38000.00} from Columbia Debt Recovery posted to my Experion Credit report. I didn't see this alert until the next day XX/XX/2023 when I checked and read my emails. On that same day, XX/XX/2023 I received another email from MyIDCare showing a debt collection for {$38000.00} from Genesis Credit Management LLC posted to my XXXX Credit report. On XX/XX/2023 I received another email from XXXX showing a debt collection opened on XX/XX/2023 for {$38000.00} posted to my XXXX Credit report. I also received an Account Notification from XXXX of a new account opened in my name by Genesis Credit Management for {$38000.00} on XX/XX/2023. These two companies are connected as a XXXX, neither one has contacted me regarding this collection as required prior to reporting it to the credit bureaus.
Product: Money transfer, virtual currency, or money service

My bank ( XXXX XXXX XXXX ) accidentally submitted a dispute for a charge made to the Town of XXXXXXXX XXXX ( which uses Chase as their banking institution ) totally {$190.00} on XX/XX/XXXX which I had no record of in my account. I had called XXXX XXXX XXXX XX/XX/XXXX ( as I was advised to by the Town of XXXX ) XXXX for them to make sure that it was my card that had a disputed charge since my bank never received payment back from Chase for the dispute. Chase never sent the money back from the dispute ( which they should have done whether or not it was placed incorrectly and an accident on my bank 's side ). Because they never sent the money back to XXXX XXXX XXXX, there was no evidence of a dispute being done on this charge, and it took me until XX/XX/XXXX to find out an accident had happened on XXXX 's side. If Chase had sent the money back when the dispute was filed, it would have been obvious to me that I would need to pay the XXXX of XXXX, CO again. 

I would like to add that the only information Chase was really willing to provide me was that a charge back was issued to them on XX/XX/XXXX and that I needed to talk to my bank to find out more information. I was treated as if I was the worst customer experience that the customer service lady had, and like I was a complete waste of time. Any small question I had was answered with, " XXXX, you need to talk to your own bank about this, '' when I was asking questions that were specific to Chase/JP Morgan in this instance and not for Canvas Credit XXXX XXXX
Product: Checking or savings account

My son was due to receive his first tax return and I opted to let him open a venmo teen account to receive his money and start managing his money. Upon his money coming into his account venmo immediately froze my parent account including his. They asked to verify my identity of which I did so. Then out of the blue they closed my account permanently. Now my son 's account is also closed by default. They are holding his money and not giving me any way to recover back his money. That they want to hold it for 180 days. Now, I am stuck because my son is XXXX and we need the money for his treatment. Venmo won't let me withdraw his money as they XXXX the function. I need help recovering back my money and to anyone out there, don't use venmo it is a horrible company. On XXXX XXXX i asked for info.. no response
Product: Debt collection

XXXX never responded to my letter in regards to a medical debt that they claimed i owed. I do not owe any medical debt from XXXX XXXX. I sent a written letter asking them to validate on XXXX/XXXX/2017 and verify that the medical debt was mine and recieved no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX XXXX XXXXXXXX Date opened : XXXX, 2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXXM XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, 2022 Balance : - ; XXXX XXXXXXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX Balance : -.
Product: Payday loan, title loan, or personal loan

Okay so XX/XX/XXXX, I receive a call from " Unknown '' they left a voicemail. It stated that I need to call them or First Virginia could take me to court. So, I'm frantic and I hurry up and call. They stated that I gave the wrong bank account information knowingly back in 2010. And that they were going to take out claims and take me to court for doing so. So I'm like I would never intentionally not have money in my account. I fell on hard times and still is on hard times. XXXX XXXX-She goes well you can pay it off right now with {$320.00} and I will tell First Virginia not to prosecute you. So I'm like there's no way I can even afford that. She said well we can split what you owe in four payments. So I agreed but something just didn't sound right. I've never heard of anything like this in my life. I'm like I didn't commit any type of crime. So I did research and noticed that a lot of people were being threatened like this. My bank advised that I change my credit card number before they charged the account.
Product: Checking or savings account

Citibank keeps on putting locks on my account for no apperant reason when i call no one wants to help i have bills to pay and i can not acess my funds this is not acceptable.
Product: Credit reporting or other personal consumer reports

Dear Equifax Your company verified the below account right. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me now. Im waiting for your response, please re-investigate this item. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

Please send me details on how this account was verified. 

Thanks.
Product: Credit card or prepaid card

I have been trying to resolve issues with chase bank. I dont have a phone plan, I recently lost my ability to XXXX XXXX. I was told to use the secure app to resolve this. And they dont ever follow up. They get the messages, they say theyll reply, and they dont. One person told me go into a branch, I went in and was as to leave because I smell! XXXXXXXX XXXX, of course I smell! I cant help it!! 


Chase has stopped any reply to my messages!! I need help!!!! They are going to run the clock out and Im going to get hit with another round of late fees. They have already cost me XXXX dollars in returned check fees with my other bank and Im sick of this! Nobody has stepped in to help to accommodate my XXXX. 

I missed my payment in XXXX. In XXXX I joined a new payment plan. 
The total it gave me was {$320.00} for the missed XXXX payment plus the late fee and then the new payment amount for XXXX. I was only given this option to pay this amount, so I paid it. There was only {$320.00} in that account. you took out {$120.00} dollars and then tried to take the {$320.00}. No where did I schedule a {$120.00} dollar payment. I got {$60.00} in returned check fees from my bank because you tried to take that {$320.00} twice. Why were these charges taken separately?? I have been trying to resolve this and you never reply! I dont have a phone and I can XXXX XXXX Going into the bank is not an option for me, I need correspondence in email because last time I was in the bank they treated me like XXXX because Im XXXX and they kick me out. Look at the screenshot, I only scheduled ONE payment of {$320.00}. I have no notifications or emails saying anything about {$120.00} They have not accommodated my XXXX in spite of requesting one, they discriminate against me for being XXXX and they are not answering me. They will then charge me more fees because they say its all late when I have tried for over a week to get this resolved!!! They are already costing me money! 

When I do get a reply, they tell me they sent into the collections team and that team never answers! I was supposed to get a reply 5 days ago. Nothing!
Product: Checking or savings account

Wells Fargo Bank XXXX XXXX XXXX, has mishandled a legitimate deposit into my XXXX checking account from a legitimate payor, a health insurance company, failing to give me credit for a check that was deposited at one of their branches, properly countersigned by me and acknowledged by the payor as a proper check that has cleared their bank. They are refusing to take responsibility for their mishandling, stating it is my problem. The undisputed facts are as follows. 
On XXXX/XXXX/XXXX I deposited a check for {$120.00} from my health insurance company at a XXXX branch. The check was made out to me and I counter signed the check, noted " for deposit only ''. On XXXX I received a deposit reversed notice from XXXX with the reason stated as " refer to maker '' for the {$120.00}. My checking account was also charged with a {$12.00} return deposit item fee. Shortly thereafter, I phoned the insurance company and their representative stated that neither they or their bank had instructed any form of stop payment on the check ; I conferenced in the XXXX customer service center and the insurance company representative confirmed to the XXXX agent that there was no stop payment of any kind on the check. The XXXX agent stated that the issue would be resolved and they would contact me within 5 days ( reference # XXXX ). I never heard back from XXXX. On XXXX, after not hearing from XXXX for more than a month, I met with XXXX XXXX XXXX XXXX representative XXXX XXXX who promised to resolve the issue. On XXXX XXXX XXXX notified me that the check had been redeposited into my checking account and that the {$12.00} fee had been reversed. 
On XXXX I received notice from XXXX that the {$120.00} deposit had again been reversed out of my account and my checking account had again been charged with a {$12.00} fee, with the reason stated as " refer to maker ''. On XXXX I called the insurance company who further investigated the transaction ; the representative again reaffirmed the legitimacy of their check and indicated the check had cleared their bank account in early XXXX, even though the check had not been credited into my checking account. On XXXX I called the XXXX XXXX of the XXXX XXXX XXXX branch XXXX XXXX XXXX and provided her with the details including the fact that the check had cleared the insurance company 's bank. She indicated it was up to bank operations to resolve the problem and there was nothing she could do. On XXXX, one month later, I called the XXXX XXXX XXXX XXXX XXXX for an update who repeated her earlier statements. 
On XXXX I wrote a letter to XXXX XXXX XXXX, XXXX and XXXX of XXXX XXXX  XXXX explaining the problem and my frustration. On XXXX I received a call from a representative of the office of the XXXX of XXXX XXXX XXXX XXXX who stated that it was not the responsibility of the bank to resolve the issue and there was nothing they were going to do. 
Wells Fargo handled ( mishandled ) this transaction from the beginning to end and yet they are refusing to take responsibility for their errors. The check has cleared the bank of the payor, the insurance company, but I have not received the deposit into my account.
Product: Mortgage

I purchased my home in XX/XX/XXXX under a XXXX % loan option offered through XXXX XXXX. Because I had no downpayment I was told I would pay PMI, private mortgage insurance, until I had payed my loan down by XXXX % of the home 's value. My loan was for {$140000.00} but the house was appraised at {$150000.00} so I was told if I paid it down to {$120000.00} ( the equivalent of {$30000.00} down ) the PMI would be dropped. 

My loan was sold to Wells Fargo home mortgage in XX/XX/XXXX but the parameters of my original loan stayed the same. In XX/XX/XXXX I was able to take advantage of lower interests rates and refinance my home under what was marketed to me as a NO APPRAISAL loan. I even have documentation from the mortgage consultant that states WE REQUIRE NO APPRAISAL AT THIS TIME. Because of the refinance, I have been able to more aggressively pay down my mortgage and have finally reached the magic number ; {$120000.00}. I called Wells Fargo to negotiate the terms of dropping my PMI and I was told by the representative that I was not eligible due to my home 's value. I asked her to clarify, as I HAVE A COPY OF THE ORIGINAL APPRAISAL that says my home is worth {$150000.00}. She explained that she had no record of my home 's value prior to XX/XX/XXXX, when they " pulled comps '' during my refinance and reappraised my home for {$110000.00}. 
In XX/XX/XXXX no one ever came to my house to view the property for appraisal. In fact, no one even called. Wells Fargo did not ask me if I had made any improvements to the property ( which I had ) and every time I call I get a different answer from a different person. Well 's Fargo has committing fraud by lying about the perimeters of the refinance and offering an appraisal value of a home THEY DID NOT EVEN LOOK AT. What they are doing is wrong and I feel frustrated, taken advantage of and lied too.
Product: Student loan

I have tried emailing them and calling them. They do not respond, except for sending an additional statement. The statement says PAID IN FULL. No explanation as to why they are billing me for more money. The company is Aidvantage, XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take this derogatory account off my credit this is making me not eligible to get a house or finance a new car.. 

The following inquiries are.. 


Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$920.00} Original Balance {$920.00} Limit $ 0 Monthly Payment {$0.00} Last Payment Status Collection / Charge-Off Loan Term XXXX Loan Type Telecommunications/Cellular Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Collection Account|Placed for collection Creditor Information XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone # : XXXX this is my second notice and then legal action will be taken
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).
Product: Debt collection

This company appears on my XXXX XXXX XXXX credit report, I have reached out to this company numerous of times asking for validation and orginal documents stating ThatnI owe their company any debt, they have failed to summit any documents that say I owe them this debt, also other collection agencies are collecting on this same debt, so I need documents from the original creditor that this company is allowed to collect on this same debt that shows up on my report from other collection agencies
Product: Checking or savings account

on XX/XX/24 ( day before XXXX ), my phone was stolen from me when i was home visiting my family. they immediately changed my apple id password, turned off track my iphone, and hacked into my Wells Fargo and XXXX XXXXXXXX account. I was able to buy a new phone and get my XXXX  XXXX card replaced, as well as i turned off my Wells Fargo account within the hour and ordered new cards/new account numbers, i flew home with no money or cars. Wells fargo did not end up turning off my card and the robbers were able to keep charging it at XXXX  and XXXX XXXX  they did not have my physical card so im assuming they used XXXX XXXX or my card numbers through my phone. wells fargo knew of this, ive been on the phone with them 10 times and opened up 3 fraud cases ( my credit card, debit card & savings account was all messed with and charged ). wells fargo has notified me that they have closed the case and are not refunding MY money back to my account. i have tried to get in touch with them multiple times, put in 3 manager called and they called me and hung up. i went into a physical branch, they said they can not help me and i have to call. they have not contacted me once for information ( i have police reports, statements from XXXX, etc ). i am looking to get my money back from wells fargo that was illegally stole from me. the total for purchases was {$1400.00} that came out of my account. wells fargo will not talk contact me. thank you. -XXXX  XXXX
Product: Credit card or prepaid card

one long term account was charged off during pandemic but openly admitted to phone lines were tied up due to overflow. I tried to call many times to deal with this but was put on hold for the essive amount of time each and every time. As for my other account same issue but is due to close in 3 day finally getting to a rep. she explains my 2 options that was to stop the closing but do nothing in the event to help or lower my bill. Capitol one rep repeatedly explained that there was nothing she could do and no one to send higher for this. She then explained that every one account was different and had a different options depending on payment history. During these trouble times I've been furloughed and business completely stopped that any amount is a hardship when it does nothing but stop the close of the account.