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

So I sent a letter off on XX/XX/23. Here is my tracking numbers Transunion XXXX, XXXX XXXX, XXXX XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution are suppose to share my information with third party people. 

These are a clear violation of my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

I requested PayPal.com to delete all personal information related to me and close and permanently delete any information pertaining to the paypal account. Paypal responded with the below statement and said they would not delete any information. 

" Because PayPal is a financial company, were required by law to keep your personal and transaction data for a number of years after your account has been closed or inactive to prevent fraud, money-laundering and to comply with financial laws. The amount of time we need to keep the data is determined by federal, state, and local laws. '' The account has been " inactive '' for over 12 years now and they still will not delete the information. I am pursuing legal action against this company for illegal data privacy use.
Product: Student loan

I applied for consolidation and the XXXX plan on XX/XX/year>. My loans were dispersed to Mohela on XX/XX/year> and I was placed on a standard level repayment plan that would come out to {$2500.00} per month. 
According to studentaid.gov, I should have been placed in a processing forbearance for XXXX days while Mohela processed my SAVE plan application. During those XXXX  days I should have been getting XXXX credit as well. After those XXXX days, on XX/XX/year>, they were still processing my application and at that point I should have been placed in a general forbearance where interest was not capitalizing. Neither of these processes were properly done by Mohela. 
As I could not afford the level repayment plan I had to call Mohela and ask what my options were, and I was told a general " voluntary '' forbearance was my only option, and I would have to call back every month to request an extension. I was never told about the processing forbearance or XXXX XXXX interest forbearance that I should have been in. 
On XX/XX/year> I applied for an XXXX plan in hopes that this would be processed faster, because a XXXX XXXX XXXX representative told me XXXX plans aside from XXXX were still being processed. It took Mohela several days to confirm receipt of this application, and I was told over the phone that Mohela is not processing ANY income driven repayment plans for the forseeable future. At this point I had done my own research and was now aware of the processing forbearances, and specifically asked the Mohela rep about it. I was told that I should have been in a XXXX day processing forbearance after my initial application, and then in the 0 % interest forbearance, but I submitted a new application, the XXXX days processing forbearance would start over. 
Had I been properly informed about these separate forbearances, and been told the truth about my options on the several times I called Mohela and asked, I would not have submitted an XXXX application on XX/XX/year>. My loan servicer failed to communicate the correct information about my options even though I called over half a dozen times and spoke to different representatives each time. Had they properly placed me in the forbearances I was supposed to be in, I would have been getting XXXX credit for the first XXXX days and then been in the 0 % forbearance from there on, and saved hundreds of dollars each day. The inconsistent information I was getting from XXXX XXXX XXXX representatives and Mohela representatives, and Mohela 's failure to follow the correct forbearance protocol have caused me to lose thousands of dollars which is a dire impact to my financial situation and a significant amount of stress for me.
Product: Credit card or prepaid card

supplemental complaint original complaint no. XXXX the teller and bank manager at XXXX XXXX XXXX. XXXX MI. XXXX acknowledge that the funds for my XX/XX/XXXX credit card payment where misappropriated and all applied to one account leaving the other card unpaid. so i was shocked and surprised to receive a call while working from the collection department aggressively telling me my accounts are delinquent after telling the collection agent to recheck there records again and going around in circles i hung up the phone later that night i discovered that where instantly cut in half someone manually went into the system and changed my credit limits i believe this collection department worker out of retaliation for me hanging up on me decided to destroy my credit profile my last credit review was XX/XX/XXXX and there has been no late or delinquent payments, so this immediate decrease was an unjustified act of terror i have 2 business accounts with this bank and two personal credit cards i believe companies are to appreciate there customers and not mistreat or abuse them this act of terror has not yet been reversed and my credit score has dropped at least 80 points
Product: Consumer Loan

Made a purchase with lobel bank month after purchasing the car the transmission and starter went out contact lobel and asked for a defrred payment cause the cist of repairs was XXXX which the XXXX value of the car was XXXX was met by very rude reps made a payment on XX/XX/XXXX car was repo on XXXX called to ask how much to get car out was told had to pay the full amount after being told by diffrent reps that they would tell me the fee to get the car outbeen transfered many times put on hold and hung up on
Product: Mortgage

PNC Bank won't pay the full bill for my homeowners insurance ( from my escrow ). The payment was due in XXXX of XXXX ( yes, XXXX ) according to XXXX. I called PNC bank multiple times after they missed the payment, was told on multiple occasions they understood and were overnighting a check immediately, only to find out in subsequent calls they didn't send the check. My insurance was cancelled XX/XX/XXXX due to lack of payment ( I had XXXX coverage on my home ). On XX/XX/XXXX ( 11 months after the due date ), I called XXXX and paid with my credit card. 

I received notice XX/XX/XXXX from XXXX that PNC also failed to pay my XXXX bill, due XX/XX/XXXX. 

For these reasons, I decided to close the escrow with PNC Bank. However, they now want me to pay $ XXXX {$150.00} to close the it ( even though they refuse to make required payments from the escrow account ). 

I can't understand how an organization like this can be legal.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Call all the time do not identify who it is or subject of call.Call and hang up.
Product: Vehicle loan or lease

I sent my 3rd affidavit to MBFS and they received it XX/XX/2021, XXXX XXXX  Delivered XXXX, MI XXXX item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, MI XXXX. The item was signed for by XXXX XXXX. 

I am demanding that MBFS address my concerns and respond with Federal facts and not hearsay. MBFS has failed to address me as a consumer and the federal rights i have made known to them.
Product: Debt collection

TRS Recovery Services ( XXXX ) sent a letter of collection to me claiming that I owed XXXX XXXX XXXX in XXXX Florida via XXXX XXXX {$510.00} as of XXXX, plus a fee of {$40.00}. I wrote TRS Recovery Services and asked them for the original creditor and proof of whatever this said debt was. I then received a second correspondence from them with a copy of what I assume is a digital check with " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Other information includes a merchant #, last XXXX of an account #, amount, fee, transaction total, funding type, check #, reference #, Workstation, cashier, Auth Code, purchased from, payout type, trace ID, and player card ( the only one that was blank ), and a signature at the bottom that is not mine. However, I have not been to that Casino or any Casino in years ; the date of XXXX was a Friday and I was at work that day ; none of the numbers on that receipt are mine, my name is not even on the receipt, only a fake signature. My bank did go over my accounts to make sure it didn't match anything. I have filed a police report and will continue to takes steps to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe this company ANYTHING. I have tried to fix this several times, I need some help. XXXX XXXX # XXXX through XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) To Whom It May Concern, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX  XXXX Bankruptcy : Discharged Case Number : XXXX Date Filed/Reported : XX/XX/year> Court : XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX - The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Product: Checking or savings account

My company, XXXX XXXX XXXX XXXX XXXX XXXX  has banked with Wells Fargo XXXX XXXX. On XX/XX/XXXX we mailed a check for {$5500.00} to our vendor, XXXX XXXX, XXXX, who banks with XXXX. On XX/XX/XXXX I received a telephone call from XXXX XXXX, relaying that he received a call from XXXX XXXX XXXXXXXX saying the above check had been fraudulently deposited into a XXXX XXXX XXXX account. 
I logged into our account and found that the check had been paid by Wells Fargo on XX/XX/XXXX. I immediately called Wells Fargo XXXX Department, who transferred me to the Small Business Dept. They sent me, via Secure Document Registration, a copy of the check, which showed the check had been fraudulantly endorsed and deposited into a XXXX  account by XXXX XXXX. I opened Claim number XXXX, which now is referenced claim XXXX, and my notes from that conversation are that Wells Fargo advised to make a police report and said it would take 10 days to resolve. 
Based on this promise, I wrote XXXX XXXX a replacement check, which he cashed without incident. 
I also filed a Police Report # XXXX on XX/XX/XXXX with the XXXX XXXX XXXX. 
On XX/XX/XXXX, and again on XX/XX/XXXX, having not been made whole in 10 days, I contacted my local Wells Fargo XXXX XXXX XXXX XXXX XXXX ) to inquire what was going on. XXXX XXXX, of that branch, talked to someone at Wells Fargo, who said I had been mailed an affidavit, which I neve received. Finally, on XXXX XXXX, I asked XXXX XXXX to print the affidavit. I completed it in her office, XXXX XXXX notarized it and uploaded it to Wells Fargo while I was there. 
On XX/XX/XXXX, I contacted Wells Fargo and they informed me that Wells Fargo had 100 days to resolve this. XXXX XXXX also had to sign and notarize the form, which he immediately did and I forwarded to XXXX XXXX. 
It is now XX/XX/XXXX, 67 days after my original complaint and my local branch is no longer answering my email inquiries about this. I have been made aware by a Detective from XXXX XXXX, that for a long established customer, such as myself, that standard procedure would have been to provide provisional credit in the fraudulently stolen amount of the check while they investigated, which should have been realistically be completed in 10 days, per the original conversation. He also advised me to file this complaint.
Product: Checking or savings account

On Monday XX/XX/XXXX I seen a transaction come through on my phone showing a notification that there was a {$32.00} charge that was pending from XXXX. I immediately contacted XXXX who stated they do not show this charge on my acct and I need to contact my bank. So I did this. They asked me all these questions including did I have my phone with me. I asked that they investigate because I didnt make the purchase, and XXXX agrees with me because they dont see it either but stated the bank can ask for it to be investigated so they can see where the payment was applied. Cash app stated no, i was responsible for the purchase, and wouldnt be refunded because i had my phone at the time of the transaction. I stated that doesnt mean door dash doesnt have my acct information and could have accessed it. Because XXXX stated themselves, they could have done it on another acct by accident but the bank would need to reach out for me. Then on on Sunday XX/XX/XXXX at XXXX another charge {$32.00} came through on my phone and I immediately reached out to Cashapp to let them know Im being hacked right now, my card was declined several times, by Cashapp, and then for some reason they allowed the charge to go through. My card was locked and I had a ongoing issue from door dash in process and they let this one go through as well, even though I reached out while it was happening, showed them, the emails where they declined the charges several times and then let it go thru and it wasnt me. I reached out to XXXX as well again, who stated I didnt have any such charges on my acct and I to reach out to my bank. I reach out to cash app who keeps on asking me the same questions and saying they have sent it to the required dept. but then would write back something completely different that made no since. So I said are you even reading my issue? I dont think they are even looking into the issue.
Product: Credit reporting or other personal consumer reports

I have noticed some inconsistencies in the information pertaining to my Capital One account. As shown in my XXXX credit report. It has come to my attention that certain items have been reported inaccurately, rendering them non-compliant with the XXXX XXXX compliance guidelines. It is crucial to ensure that the information provided is both up to date and meets the minimum standards for accuracy. As inaccurate information holds no significance in your database or on my credit report, I kindly request the immediate removal of these items.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below, which appears on my credit report, is the result of that XXXX. I am requesting that you block this information from my credit report under Section 605C of the Fair Credit Reporting Act. 
Accounts to be Blocked : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed High Balance : {$1100.00} Remarks : Closed or Paid Account/Zero Balance XXXX. XXXX XXXX Account Number : XXXX Status : Charge Off High Balance : {$500.00} Remarks : Account Previously in Dispute - Now Resolved XXXX XXXX XXXX XXXX Account Number : XXXX Status : Open, Delinquent High Balance : {$22000.00} Remarks : Past Due XXXX Days Past Due XXXX. XXXX XXXX Account Number : XXXX Status : Charge Off High Balance : {$11000.00} Remarks : Unpaid Balance Reported as Loss XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Open, 30 Days Past Due High Balance : {$2600.00} Remarks : Account 30 Days Past Due XXXX XXXX Account Number : XXXX Status : Closed, 90 Days Past Due High Balance : {$440.00} Remarks : Account Closed at Credit Grantors Request XXXX. XXXX XXXX XXXX  Account Number : XXXX Status : Closed High Balance : {$600.00} Remarks : Closed or Paid Account/Zero Balance XXXX. XXXX Account Number : XXXX Status : Closed High Balance : {$720.00} Remarks : Closed or Paid Account/Zero Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in XXXX  and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.I called Equifax and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). I need this XXXX  removed asap.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a JC Penneys charge card from XXXX on my credit. The card is closed, but I was born in XXXX, there is no way that card was mine.
Product: Credit reporting

I have been a victim of identity theft and credit fraud for over 3-4 years now and during that time, I have seen my credit score go from XXXX to XXXX. I have written to the reporting agencies, Equifax , XXXX and XXXX, and to this day, my reports have not been restored. I have also filled several police reports. During that time, several fraudulent accounts were indeed removed but some still remain and my credit score do not reflect my true record. I am so frustrated with everything and need help. I do n't know what else to do or who go to. 
Please note that I have been denied credit on several occasions because of this and I have been embarrassed several times as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX, XXXX, I am a victim of identity theft I never gave consent for consumer reporting please remove all reports on Credit file