23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I closed out an account with XXXX XXXX XXXX acct # XXXX that was considered PAID IN FULL but has continously posted in accurate stating I made payments XXXX XXXX also posting several late payments when in fact it was closed and PAID IN FULL XX/XX/XXXX. This needs to be corrected with NO late payments or removed from my crefit profile. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted EQUIFAX or TIME FINANCING SERVICES such authority. THIS ACCOUNT HAS SEVERAL VIOLATIONS AND NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit card

I started a new XXXX credit card in XXXX. When they sent me the card I used it for one charge. They immediately sent me a bill for the charge plus {$130.00}. They called it a annual fee but I didnt see it anywhere on the paperwork. I did eventually find it, but it was buried in the paperwork and definitely was not prominently displayed. The term annual fee is also very misleading. If they had communicated this professionally and appropriately on the front end I may have even agreed to it. Its the fact they made an effort to hide it from the consumer that upsets me.
Product: Checking or savings account

On XX/XX/XXXX, I called Discover Bank to reorder a new debit card. When I called, I was transferred to the fraud and security department. I spoke the representative there and she asked me about a check that deposited. I stated that I did make that deposit in error. I accidentally did a mobile deposit twice with the same check. They both were for the same amount. It was an honest mistake and I expressed that to the representative. She took care of the issue but my account was negative. I just started a new job and my first paycheck would cover the negative balance. She agreed. I asked if I could have a replacement debit card. She placed an order to have my new debit card delivered to me by Tuesday, XX/XX/XXXX. 

Today, Tuesday, XX/XX/XXXX, I got various emails from Discover Bank. One telling me that I was being unenrolled in e-statements and that I had to detach external accounts from the account. I called Discover Bank and was transferred to the fraud and security department. I verified my account and was then told that my account was closed due to fraudulent activity. I told the person, I just spoke to someone from the same department on Saturday and they didnt tell me this. I asked the agent, who I'm currently on the phone with, " When did the account close? '' They replied, " Today Tuesday, XX/XX/XXXX around XXXX XXXX '' When I asked very reasonable questions like, " What transaction triggered the account '' or " Is there a corporate phone number I can call? '' or " Why did Discover Bank close my account when they overnighted me a debit card? ", I was stonewalled with the response, " Because the account is closed, I am unable to discuss the account. '' I would like the CFPB to do everything in their power to get the truth from Discover Bank on why my account was being closed. Especially since they mailed me out a new debit card, which was delivered on the expected due date. I was such a good customer with Discover Bank, that they send me a gift of a brand new duffle bag when I told one of the agents that I was going on a trip. Discover Bank said that it was a " Business Decision '' to close my account. I don't believe that. And hopefully, after the CFPB 's inquiry, I'll have the real reason and not a computer-generated daisy chain lased explanation in generic terminology of why my account was closed. I am starting to believe that Discover Bank is hiding behind the disambiguation phrase " business decision '' for other intentions that might be happening to other consumers. Because if my account was closed for " Business Decision '' why did they overnight my a new debit card and then wait 72 hours to determine my account was subjected to being closed.
Product: Debt collection

{$220.00} is an amount that Procollect Inc. has been trying to collect from me for the past 2 years. I disregarded it at first but this year I found that this debt is fraudulent and filed a credit dispute. This amount was removed from my credit on XX/XX/2021 by XXXX. Since that resolution procollect inc. has contacted me via phone daily with voicemails and via mail on a monthly basis. 

Per my conversations with XXXX  this company should have me removed from their records and collections tactics. When I spoke with procollect inc. I was verbally pushed around and told that I still owe the debt no matter what the credit bureau 's say. While trying to explain this situation and ask to have all communications ceased from them I was disconnected from the call. My " account manager '' mrs. XXXX at phone # : XXXX ext.XXXX was the one who disconnected our call while trying to fix this issue and she said, " sir if you're not going to make a payment I'm going to hang up on you. You still owe this amount. This will not be removed from our system and you will still receive calls and voicemails going forward and we are notating your account as failure to pay '' then she hung up on me while I was still talking to her. 
Procollect inc is not willing to abide by credit law and they are not accepting my Cease and desist request via phone. They continue to harass me for a debt I have been cleared of. 

Please help me!!!
Product: Debt collection

Legally I do not owe. I was not evicted. I have never been evicted. I do not have to pay fees for something that did not happen. Said the Judge. I have court documents stating that I do not owe this. I have a receipt that I paid what was ordered ; paid in full. This is a point of harassment and intimidation. I sent a notice in 2014 to cense and desist. I am XXXX and have been living on a fixed income budget. I would like assisted to resolve. The claim is on my credit reports and is causing damage to my credit profile and good name. I would like to resolve this matter without going to small claims court for damages, but this is also credit issue and fraud. dmp
Product: Credit card

I was approved for a capital one XXXX card with a credit limit of XXXX on XX/XX/XXXX of 2015.  A few days after being approved I logged in online only to see that my new card was restricted. I called in immediately and notified them of the message I received  to the representative, only to transferred from rep. to rep. and placed on hold for long periods of time until I eventually hung up with my issues still unresolved. I filed a XXXX complaint and its been XXXX days and there has still been no response. I feel that capital one is intentionally blowing me off.  How do you approve someone for a credit card and immediately restrict it with no explanation?  I applied for a few other cards the same day and had no issues.  please resolved this matter A.S.A.P or I will cancel my other existing account with capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found grounds that my rights have been violated company H & R Accounts XXXX XXXX XXXX, XXXX, IL XXXX XXXX ACCT # XXXX ACCT # XXXX this company has report to the major credit reporting agency, without my knowledge nor consent according to 15 U.S. Code 1681a " If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer.

( 2 ) provide to the consumer written or electronic disclosure
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX WI XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

After conducting a detailed examination of my credit report, I found several unauthorized accounts that I believe were added without my awareness.
Product: Credit reporting or other personal consumer reports

Massive data breach and my information was compromised and my credit score was drastically affected
Product: Credit card

Without any action from me, I was sent an " Amazon.com Rewards '' XXXX from Chase in the regular mail. It has my name, an account number, a credit line and a phone number to " confirm receipt '' all within the same envelope* seemingly making it very easy for anyone to activate this card. 

I am scared that a credit check was run ( again, without my permission or authority ) and that the intent was to make it as easy as possible for transactions to begin occurring against my knowledge or will. When I tried to call the customer service numbers to inquire, I was disconnected adding an ever-dubious sense to this process that I neither asked for or enacted.
Product: Mortgage

I filed a complaint already last year on XX/XX/XXXX with complaint # XXXX. Then I received a letter on my email on XX/XX/XXXX saying my complaint was closed because you couldnt contact me because you need more information. Im sorry but I just came back from vacation and couldnt reply to you. 

I would like you to please open that complaints again because its very important to me. Imagine XXXX  XXXX foreclosed on my house even though I filed for a bankruptcy protection agency in XXXX, NJ. I paid about {$77.00} first installment fee for a {$300.00} plus fee. The bank immediately informed the tenants to move away immediately because XXXX XXXX   foreclosed the house. They even changed the lock right away so one of my tenants who was on vacation couldnt go inside his apartment when he came back. His belongings were stuck in his apartment. The tenants were calling me to open up the apartment so they could get some clothings and other stuffs but I couldnt do anything because I didnt know who to call then. They locked the front door of the building so nobody couldnt go inside. What a terrible bank is it! 
I hope you could do something to help me get back my house. If you would go back to your file previously, I did asked for your help three times to help me ask the bank to give me a lower rate or do a modification on my mortgage. 
But the bank just ignored me until the sad part happened. Is there any chance to file a lawsuit against this horrible bank? Please let me know because right now Im poorer than a rat. 

Waiting for your reply. 

Thank you! 

PS One of your representatives I talk to last week when I received an email on XX/XX/XXXX regarding my complaint was closed said to file again this complaint separately. Because I filed four companies together in my last complaint # XXXX. 

One bank and three credit bureaus. 
So Ill file again 3 complaints regarding the credit bureaus. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C1681i, every single one each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged account is to be deleted.

the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows.

Alleging Creditor and Account as is reported as having a late payment on my credit report. 

ACCOUNT # XXXX { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the CRSA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE ANY OF THE ATTATCHED INQUIRIES THAT HAS BEEN ILLEGALLY FURNISHED ON MY CONSUMER REPORT IN VIOLATION OF 15 USC 1681(c)(1)(A).
Product: Mortgage

In XXXX 2016 I called my mortgage servicer to arrange for a payment after my grace period but before my thirty days. This is the first time I was not able to make my payment on the due date in the life of my loan. We arranged for a payment on the XXXX which I made online. They acknowledged the payment and so I moved on thinking it was taken care of. On XXXX XXXX I received an email stating my payment had not been received due to insufficient funds. When I went back to see what had happened I discovered the online transfer from my credit union to Wells Fargo had pulled from savings instead of checking which was were the funds were. I was able to make XXXX payments in XXXX but am now struggling to get out from behind the eight ball each month. I had also had been approved for a refinance with XXXX which will clear all my debt and make it possible to stay current with my mortgage from here on. However, the inadvertent late payment was reported to the credit bureaus and resulted in my refinance being cancelled. XXXX stated they would reinstate the loan file if I could get Wells Fargo to provide a letter stating they would reverse the report to the credit bureaus. I followed the steps which Wells Fargo gave me to write in to request a reversal of the late payment report and faxed all of my documentation to them on the XXXX. I spoke with their review department today ( XXXX ) and they confirmed they had received the documentation and would have answer back to me next week. However, I was told that unless they found that an error had been made by Wells Fargo it would likely be denied. 
The ripple effect of that decision would result in me having to sell my home to save further damage to my credit with no guarantees I will be able to qualify for a loan to get into a new home. 
I am writing to see if there is n't a rule, policy, or precedent which would allow Wells Fargo to reverse the report for late payment and keep this from cascading further. 
Thank you ...
Product: Debt collection

I've disputed this transaction with Transunion 3 times already, every time I call them to advise debt has been paid and I have documentation to prove it, they advise me that a dispute has been started, but actually do not start one. I have continuously asked for proof that a dispute has been submitted, and they continue to refuse to provide one. I have tried submitting disputes online as directed by Transunion, but their website never works, and I've advised them the latter. I also called the credit collection agency and gave them authorization to talk to Transunion regarding this matter, Transunion will not contact the credit collector to inquire about the debt. I have tried calling Transunion over 15 times, and i keep getting bounced from one supervisor to the next, with no action taken. I have mailed a letter to Transunion with a receipt of debt payed, still nothing.
Product: Debt collection

I requested debt validation and they failed to send enough information. They are still reporting 2 accounts on my credit without properly verifying the debt. They simply sent a summary of accounts which fails to properly validate the accounts in question. LVNV Funding LLC have 2 accounts one with an amount of {$430.00} and another in the amount of {$800.00}. These account summaries are dates XX/XX/2019 and they have yet to remove these items without proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with the worst company, XXXX XXXX. I had trouble making the payments but ended up paying this credit card off. Well this company continues to state on my credit report - charged off as bad debt. Not even stating that it was paid off. I have tried to go through the credit bureaus to no avail. I know I paid this off around XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I got a forbearance for my mortgage account that covered month of XXXX and XXXX all the way to XX/XX/2020. 
PNC Mortgage intentionally reported my credit late for the month of XX/XX/2020 although I called them 100 times but, as usual, very poor customer service that never have any representative answer the phones especially when the pandemic first hit on XX/XX/2020. 
During the whole month of XX/XX/2020, I was put on hold for hours without getting anyone on the phone to explain that I lost my job and needed help. 
Finally after several attempts to reach PNC mortgage representatives, on XX/XX/2020, I was able to reach XXXX, she assigned my case to XXXX XXXX, I did explain to her that I lost my job on XX/XX/2020 after a severe slow down in my work since Mid XX/XX/2020 and, she forwarded an application for Forbearance which I forwarded back to her on XX/XX/2020. 
Also, I want to mention that the representatives, even supervisors, were always rude to me on the phone and never willing to help, they never offer to help fix my problems although I have the full rights
Product: Credit card or prepaid card

I received my payroll card but never activated it. I received a mew payroll card because i lost the other one. My company informed me i have to contact wisely to get the remaining funds from my other account/card.
Product: Bank account or service

I opened a checking account with Citibank a couple of months ago and during that process I also enrolled in Online Banking so that I could monitor my accounts. When I enrolled in online banking I DID NOT have a debit card as I did not want XXXX nor need XXXX. Up until about a week ago I started having problems with the log in for online banking and all attempts to gain access to my accounts have failed. I 've tried to use the forgot password option to no avail. Citibank has refused to help me and instead has said that I will need to have a debit card in order to gain access to my online banking. However, if a debit card is so crucial for online banking then how was I able to enroll in online banking when I opened the account and monitor my accounts until recently? Citibank has refused to answer this important question and instead is demanding that I receive a debit card. I explained that I do not need a debit card. Their behavior seems very similar to the XXXX scandal where bankers were pushing products on consumers that did not want nor need the products. I truly feel that is what 's is happening to me as I 've always had online banking until a week ago when problems started.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681, credit transactionS should not be included on a credit report THIS IS BY LAW A VIOLATION XXXX XXXX AND XXXXXXXX XXXX  AND XXXX XXXX HAVE PUT LATE PAYMENTS ON MY CREDIT REPORT WHICH IS ILLEGAL. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. I HAVE BEEN HARASSED BY BOTH OF THEM.

So i'm going to keep this simple. 

THESE ARE TO BE REMOVED IMMEDIATELY FROM XXXX XXXX AND XXXX AND XXXX XXXX OR YOU CAN LET THEM KNOW IM COMING AFTER THEM IN COURT FOR LOTS OF MONEY PLUS THE {$1000.00} FINE PER VIOLATION. 

I WILL ALSO MAKE AN ADDITIONAL REPORT ABOVE THE ATTORNEY GENERAL
Product: Checking or savings account

Robinhood cash account showed a balance of XXXX XXXX Went to a store to make a purchase for XXXX XXXX XXXX was declined. Now the cash account shows a balance of XXXX XXXX 

XXXX does not even show correct values in their app on their saving product. I very strongly suspect they are commiting fraud on the brokerage side with regard to margin calls and " account deficit '' notifications and trading restrictions. 

I would like a full list of every margin call and account deficit/ trading restriction that I was issued over the life of the account, and an explanation as to how it was calculated and how they derived the usd value of the securities. 

When I called robinhood for this information I waited on hold for 40+ minutes and was then hung up on twice. Additionally you can not just call them, you have to go through the app to schedule a call which is then routed to a third party .... very obnoxious... 

They are dodging my questions and acting very suspicious... 
I suspect this is related to XXXX XXXX XXXX. 

Lastly, they will not let you speak to them without the conversation being recorded, but if I want to record my own copy of the conversation, they immediately hang up...