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

THD/CBNA is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. THD/CBNA wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX  and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. THD/CBNA also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting THD/CBNA delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Product: Mortgage

My mortgage payments fell behind due to a temporary loss of paid hours at my job. The loss of the hours was because of an unpaid internship requirement for completion of my XXXX 's in XXXX.I lost 25-30 hours per week I could have been working at a paying job. I have since graduated with XXXX and have received many job offers. I 'll accept one of the offers on or before late XXXX early XXXX after my license application is finished in State review ( I must be licensed to XXXX. ) I 've also gotten extra income from my XXXX XXXX daughters and an online business. 

Wells Fargo has repeatedly ignored my requests for assistance of any kind. I 've been working with my State and local consumer specialists/ legal aid was was directed to attend the foreclosure meeting and request a 60 - 90 day extension. I was advised it was my legal right to have one extension. I went to the hearing on XXXX XXXX with even more documentation than my counselor advised. At the meeting I was told that I was not allowed to provide any evidence, no explanations would be accepted, no questions answered, and no extensions given. I explained that the State/county representative had told me I had the right to one extension. I was told, " Well, he 's wrong, you do n't. '' The only information we 'll take from you is documentation that Wells Fargo had an accounting error and you have been paying all along, and the payments and are not behind. A representative of the law firm representing the bank was there but I was not allowed to ask her any questions. No representative of the bank was present. 

I was asked if I had been in the military in the last 90 days ( I had not. ) I asked if I could offer the documentation about my permanent XXXX status with SSI. I was told " no. '' Today, Saturday XXXX XXXX I received a notice that Wells Fargo was going to auction my home off on XXXX XXXX. 

I 've worked with the bank multiple times and in multiple ways to correct the situation and/or ask for help. I 'm always denied. 

I believe that Wells Fargo is discriminating against me for my XXXX, and possibly for my XXXX daughters ( XXXX XXXX ). I have been denied my right to appeal, to have a time extension, and assistance. 

I also need information on any program that would allow me to stay in my home as a renter for two to three months, until I am able to accept one of the offered XXXX jobs and resume paying mortgage payments. I have and my family have no place to go, no extended family here, and no extra funds for moving and storage help. I am not physically able to move the contents of the home, especially with such short notice.
Product: Credit reporting or other personal consumer reports

Nelnet inaccurately reported that my accounts were XXXX days ' late, in XX/XX/year>. My attempt to work out this issue with Nelnet has not been successful, at all.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date - several beginning XX/XX/XXXX This collection agency called my ex-wife, daughter and several other family members telling them there was a garnishment action that was ordered and filed and that immediate legal action was going to take place. When I called back the number that this company gave, they said this was a collection from 10 years ago that was not satisfied. When I asked them about further details, they made fun of my XXXX XXXX, said I was XXXX and i should go XXXX XXXX XXXX  my dog. This call happened on XXXX XXXX onXX/XX/XXXX. 
When I called back, they hung up on me. Furthermore, I requested on this day that the contact me no more. 
1 ) This company is representing themselves as a legal arm of the Government with power or as an attorney. 
2 ) on XX/XX/XXXX I registered on the National do not call log - this call should not of happened 3 ) I feel my rights as a XXXX  person was exploited 4 ) This company identified as a representative of H.S.B.C who I could not confirm as legal representative of this company. 
5 ) If what they said was correct, this dept based on conversation with representative, is well past the 7 year window for collection
Product: Bank account or service

A manager at Citibank in XXXX, CA offered me XXXX different promotional bonuses ( XXXX bonus of {$800.00} and a XXXX bonus of 5 times the current interest rate ) if I opened a checking account with {$100.00} and a savings account with {$200000.00} and kept the money in the accounts for 90 days. ( She also talked me into applying for a Citigold Double Cash Reward credit card and told me it was a Visa card, which I needed. When I received the credit card, it was a MasterCard, not a Visa card. ) After the 90 days, I finally received the XXXX bonus of {$800.00} but the branch said they had to file a dispute for the XXXX bonus. I spent over a week visiting the branch and calling Citigold 's customer service number multiple times, and was given XXXX completely different reasons why I had not received the XXXX bonus. The branch manager finally told me that the manager who opened my accounts made a mistake telling me I was eligible for both bonuses and refused to honor the XXXX bonus even though she agreed it was their manager 's fault. I could have complied with XXXX the other XXXX reasons why I supposedly was not eligible for the XXXX bonus, but after speaking with the branch manager, I closed out both of my accounts since it seemed fruitless to pursue the matter any further.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, & XXXX are report inaccurate information on my credit report. XXXX are reporting accounts that at XXXX years old and will not remover them. Also all 3 credit bureaus are reporting a XXXX XXXX Credit card on my credit report and I have called and went into the bank branch and they have no record of the account in their system. Ive disputed the account several times and they continue to verify false information. I am in the process of buying a home. The account has late payments and because XXXX XXXX doesnt have any record of the account they cant remove the late payments, which is the reason for the dispute.
Product: Student loan

I, consumer XXXX have tried numerous times to request that company Lendkey stop reporting late payments to my consumer reports without my consent.

The company Lendkey is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the company Lendkey the written instructions to furnish this on my consumer reports.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the last attempt to get this resolved outside of court with the company Lendkey and

I plan to explore remedy minimum of {$1000.00} for each violation to name a few below. Defamation of character Negligent establishment of identity fraud Fair Debt Collection Practice Act 15 USC Violation Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a ding on my credit report stating my score went down. I checked the report and it stated payment was delinquent on a Barclay credit card. I logged into my Barclay account and checked the account which stated past due. I immediately made a payment and called customer service. I asked why I NEVER received a statement nor email regarding my due account. I am NEVER late. My credit is perfect. The customer service rep credited my late fee but never resolved the late reporting. After this my credit went down 50-75 points. I was not late if I did not know a payment was due. I want this reversed immediately with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had several fraudulent accounts and inquiries on my report. Please remove these accounts and inquiries, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to go online to report misinformation on my credit report to Equifax. There is a collection reporting on my report twice for the same account. I had it disputed and removed last month but it appeared again on my report this month. Trying to dispute it online for the second time it said I was locked out on my account and had to call them. After getting completely frustrated by the automated system I was finally able to get someone on the phone. The representative took all of my sensitive information then asked me 2 impossible questions to answer as there are multiple answers to both. This then got me locked out of my account. Now they expect me to mail more sensitive information to prove who I am because their system and employees can't get into the account. This is a ridiculous practice as they couldn't get me unlocked or back to an online status to be able to file online! Yet I'm expected to give even more information for them to XXXX up me account! These people are allowed to have access to people 's credit reporting?? They can't even help you over the phone or online! Expect you to keep jumping through hoops to prove your identity over questions with impossible answers because there are possible multiple responses!!! Get it wrong and now you are out until you do more!! What good is it to have a call center to help then!? This is UNBELIEVEABLE to me!!!!!! Online it gives you options to choose from but over the phone it's guess the answer and hope you're right or get locked out of your own account until you provide all this paper information and pay for the postage while you're at it?! There has to be some sort of standard because I had the same issue with XXXX and XXXX  yet it was not this difficult to clear up!!! Nor have I had these issues getting into my own file!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX XXXX   XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  XXXX ACT #  XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I demand the following accounts be verified or removed immediately.
Product: Checking or savings account

I have been in active bankruptcy since XXXX of 2021 XXXX XXXX Bank of America executed a bank levy on my accounts from a creditor attempting to circumvent the Bankruptcy Protections in place. 

Bank of America should be able to verify BK filings ( as they are readily available public records ) but they did not, they simply executed the request without doing due diligence. 

I have spent several hours now sending documents to B of A regarding this. 

From what I understand - B of A simply disregarded simple Bankruptcy provisions of protection. 

Beyond that - B of A has charged legal fees to my account which shouldn't have been charged given the above mentioned facts. 

I am glad to provide any documentation needed confirming my XXXX XXXXXXXX status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. I am currently reviewing my credit report and there are several Inquiries ( 34 ), I do not agree with. There are a few duplicates and several I did not authorize. I attempted to dispute the items online, but the site advises customers to contact Experian at their XXXX number. I contacted them directly XX/XX/18 @ XXXX and was advised I could not dispute the information because they do not have access to dispute inquires.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Product: Debt collection

On or about XX/XX/XXXX of this year, 2017, I received a Wage Garnishment notice from my employer, by XXXX XXXX XXXX XXXX XXXX XXXX. This was to my surprise, because I was not aware that this old debt still existed, since as I understood, it was a time barred debt that had not been in my credit for many years. 
After acquiring the referenced legal documentation on my own, I reviewed it and found several clear and obvious " flaws '' in the core legal documentation. I noticed the following : JUDGMENT ( VOID ) : 1 ) The Proof of Service ( " POS '' ) for the initial Small Claims document, Plaintiff 's Claim, was NOT served properly, because stated therein : A ) Manner of Service, " Personal Service '', incorrectly states the wrong apartment number ; and B ) Even IF, stated the correct Apt number, it would still be a false and fraudulent statement ( needless to reference all the code/rules violations ), because I had moved out months before the supposed service period. 
Thereof, it is my understanding, that this void judgment would render this wage garnishment without merit, invalid, and VOID. 
In Addition, but at this point, less significant, the following : NOTICE OF RENEWAL OF JUDGMENT : All post renewal of Judgment documentation has been supposedly been served by mail, with these technical issues : A ) Again, reiterating, I have not lived at such documented residence, for way over a decade ( 16 years ) ; B ) Obviously, any remote due diligence attempt to verify the documented address to be my current mailing address were unsuccessful ; and C ) Any direct or indirect claims such as by affidavit, to have complied with required process service Rules/Codes would be clear violations of such pertaining local rules/Rules/Statutes, subject to but not limited to, not receiving any Return Receipts/Acknowledgments.
Product: Credit card or prepaid card

Called to open my brand new credit card and the representative on the other line started questioning my identity when I had clearly answered all of the security questions. She asked me very personal questions related to my education and wether or not I had graduated from college or high school. Not only did she discrimaminated against me because I am XXXX but I'm sorry I have credit cards over {$10000.00} dollars. Why in the world would I do any business with this bank that gave me a {$1000.00} credit card account. Ridicoulous.
Product: Mortgage

I applied for a refinance with Wells FArgo XXXX XXXX. I provided all the required information and uploaded to the secure Wells site. An XXXX XXXX requested additional information on my partners start up business which I do not have and XXXX said I do not need, multiple times. XXXX staed that XXXX XXXX {$290.00} in income would not need to be disclosed due to my assets and XXXX plus revenues generated YTD in addition to the large escrow amount accumulated.Since XX/XX/XXXX I have left 9 emails and or messages with XXXX without one return call or email from her. I contacted her manager XXXX who said I need to speak with XXXX although she is XXXX XXXX  supervisor. XXXX claims that due to Covid the rules have changed and that I should not listen to XXXX. I am the CUSTOMER and was directed to supply information by a Wells employee that I should not listen too????? XXXX claims refinance is dead in water and he would escalate to Executive Office. I received a call yesterday from XXXX at EO and he said would look into everything and send me his contact information. Contact information never received! XXXX calls me at XXXX last night to tell me she was in XXXX XXXX with her daughter and that is why she never called back when she said she would. XXXX also said she was mistaken and did not know the rules changed, additionally stating just make up the numbers. Seriously!!!!!! I received a call today from XXXX at EO after I sent many messages to XXXX asking what is XXXX contact information. XXXX states XXXX no longer handing now an XXXX at EO is in charge.Wells continues to mislead customers in ways that are unacceptable and cost resistant. If customers are not to listen and trust Wells employees with sensitive information than they should not be speaking to customers. This entire process has been misleading and misrepresented the entire journey. The number of hours I spent trying to contact Wells employees has been detrimental to my health and XXXX revenue.
Product: Bank account or service

How are you doing, and hope all i well. I had posted a comment before about PNC bank, and how they have not helped me with my disputes. They actually recently reversed a {$210.00} dispute, and now I am - {$930.00}. This is ridiculous for real, these banks do whatever they want to you and your account. They charged me {$7.00} up to {$92.00} for not having positive funds. Because of their judgements I have defaulted on student loans, late on rent, and just been hard with no funds. I reported that my debit card was compromised by my nephew, and he took all those funds out my account. I reported it to PNC, and cancelled my debit card for a new one. They later said after like 2 weeks that they could n't do anything for me, because my nephew knew my pin somehow. I understand that, but I never gave him my pin and he must of seen me withdrawing money and saw my pin digits. And I never thought in a XXXX years family would do this to me too, and I filled out a police report on the matter and nothing. This is very upsetting, because I live day to day and do n't make a lot of money. Its sad to see a huge bank not help you at all, or just make their own decisions on your matters. I do n't do claims or disputes for fun or a living. I actually think its embarrassing, and upsetting you have to call your bank for this, and when you do they do n't do anything for you, but if you owed them money you ca n't let them wait or make your own judgement on the matter. They sent me latters in the mail saying the transactions were just, and the atm film too. How does that even make sense? They are not just, because I reported them to the bank as fraud. It 's only like {$1000.00} not a {>= $1,000,000}, and that money was for my everyday survival. It 's sad to see a bank like this not help its customers the way they should, and I think these banks get away with anything they want too and that 's not fair to us the people that keep these banks running with our money.
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.
Product: Debt collection

XXXX sent a defective item XX/XX/23 for which I requested to return for a refund. XXXX customer service contacted me and stated that they would refund me for the item and they did not want me to return the item. I have emails proving this. Several months later XXXX began contacting me by email and harassing me saying they reversed the refund on the credit card. I canceled the credit card and they sent a debt collection to Cedars Business services.