23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Called to find out where to send form for exemption and was given the wrong email address. Had to locate correct email address on my own. 

Submitted Homestead Exemption early in 2023. Received letter stating to wait for an update once document has been worked. 

Resubmitted Homestead Exemption on XX/XX/XXXX. Received the same letter in the mail with no update, before or since. 

Have used mortgage companies messaging system to submit request for update twice. Both requests were closed with no updates or response.
Product: Checking or savings account

i open my account on XX/XX/2021 i made a deposit of {$100.00} for my new account. 
further more since i just started with my new account i ask was their anything uncommon i need to be advise of on this account checking. the answer was ( no ) after i ask more question about my new account what are the great features. there was nothing special to say so i left with some checks and new paper work in my account. i called on my second day to set up online bank with the bbt i was told ( no ) they was unable to help since they didn't feel like working go to the branch or call back later on when they are not busy. my account has been locked for months with zero help from ( bbt ) so i can check my account get help instantly i was denied help as a new customers.. thats poor customers and the ball been drop more times!!!. pictures will be uploaded.. don't miss used a new customers with games and poor customers services skill and don't use we had software updates or errors in the system as a ( excuses ) be fair and honesty with people none these charges should be on my account at all. since i never able to sign up for my account at all or able to address anything or view my account needs at any given time..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out multiple of times to the creditor about this Fraudulent account on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

XXXX Issues with different schools. 
1. XXXX University did not apply unused funds to loans. I 've submitted forebarance forms and request for discharge because my son ( I 'm a single parent ) is permantly XXXX, he has XXXX. I did not qualify for government assistance then nor now, so my income has been limited. Despite obtaining a XXXX in XXXX, I was told by many employers that XXXX was not a recognized university, they were unable to verify my attendace at the school. I 've made payments despite this, not always on time due to ongoing medical issues. I 've had to stop due to XXXX and XXXX for my son. 

2. University XXXX XXXX enrolled me in a course/program that had nothing to do with finance, it was XXXX program. I requested XXXX XXXX, I tried to withdraw several times but was unable to. I spent XXXX years obtaining a degree in a program I have no experience or knowledge about. I do n't have any paperwork from them where I acknowledge my acceptance of the program. 
3. I received a letter from Great Lakes of XXXX XXXX stating that " debtor is hereby cancelled and released. From and after the date of this release, the employer is no longer required to withhold income from debtor 's pay. '' Release date was XX/XX/XXXX. On XX/XX/XXXX Great Lakes sent another request to garnish my wages. Said they never sent above release, when I called on XX/XX/XXXX. When I called again on XX/XX/XXXX I was told a different story in that the release letter is actually a confirmation of an address change '' I had my HR department call, and she was told the same excuse. Great Lakes has sent all correspondence to my employer despite me giving them a correct address.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history withXX/XX/XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated.

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. 

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!
Product: Checking or savings account

I attempted to close m y Wells Fargo checki ng account on  XXXX   XXXX ,    2017, in  writing, via their online messaging system. I received a reply stating my account was on hold and I would need to call Customer Service to cancel the account. I called  Wells Fargo  Customer Service on  XXXX   XXXX ,    2017,   XXXX  CDT to close the account and was told by Representative   XXXX    XXXX  ext  XXXX  that I would have to go into a  Wells Fargo Branch to  close the account.     I refuse to go into a  Wells Fargo Branch, d ue to the unprofessional interaction I had a month ago with the Teller  Manager  at th e Wells Fargo Branc  h    XXXX   XXXX    XXXX   XXXX , TX  XXXX  . Wells Fargo has  also begun charging a $   XXXX   monthly fee which I refuse to pay going forward. The fee was assessed on  XXXX   XXXX ,  2017, I initial ly requested this account closed on  XXXX   XXXX ,  2017.           XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received an email that my loan would be maturing, and I needed to submit some financial documents in order to process for a term loan since the original loan I had was no longer being offered. The loan matured on XXXX XXXX and I managed to submit all of the paperwork around XXXX XXXX. The loan new loan terms were stated as follows : Current Balance {$18000.00} 48 months XXXX 12.39 % Appx payment {$480.00} monthly No prepay penalty. 
XXXX time XXXX fee XXXX I received this email on XXXX XXXX, XXXX. I was asked to fill out an ownership beneficiary form which clearly was used to profile me and get my personal information as this was a originally a business loan tied to my EIN. This was very misleading. 
There was no further communication afterwards. Then around XXXX of XXXX I received a letter from XXXX XXXX XXXX claiming there are attempting to collect a debt for Synovous Bank and if I don't pay they will sue for the money. I was totally blindsided by this. I asked them provided the documentation where I was denied a renewal and for what reason. I never received any of that information. Now my XXXX score has been affected and potentially my personal assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM XXXX  XXXX XX/XX/XXXX XXXX  XXXX CARD XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax aLL ABOVE IQUIRES ARE NOT MINES
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is collecting for a company called " XXXX XXXX  ''. This account has previously been reported as fraudulent in 2021. 

XXXX XXXX is in violation of The Fair Debt Collection Practice Act for continuing to collect on an account that has been previously been reported as fraudulent via an Identity theft affidavit. 

An updated report has been attached to this report.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against HARRIS & HARRIS XXXX for unlawfully reporting a debt on my credit report without a contractual agreement or legal basis. I have never conducted business with HARRIS & HARRIS XXXX, nor have I authorized any transactions or obligations with them. Under 15 U.S.C. 1692c ( c ), communication about a debt, including credit reporting, is prohibited after a refusal to pay, which I have made clear. Additionally, XXXX XXXX XXXX has violated 15 U.S.C. 1692g by failing to provide validation of the alleged debt, despite my legal right to request proof, and failing to provide their license to collect debt in the state of XXXX. Furthermore, the alleged original creditor has been unable to verify this account, further proving its invalidity. I am demanding that this account XXXX be removed from my credit report within XXXX days, as required under 15 U.S. Code 1681c-2. Failure to comply will result in legal action to protect my rights, including pursuing damages for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Prepaid card

I had attempted to make several purchases online on XX/XX/XXXX, XXXX, and XXXX of XXXX  via XXXX, XXXX, another gift card store, and even load it on to my XXXX XXXX to make payments in person - all without success. I'd called XXXX XXXX XXXXo see why the payments were declined, and then I'd learned that these " reward cards '' do not allow address information - such as XXXX XXXX- to be added to the card or have the card registered. This makes them impossible to use for any transaction I'd want to make, as nearly all online and in-store vendors require address information ( at least the zip code ) for anti-fraud security.
Product: Debt collection

National Credit Systems claims that I owe the amount of {$3000.00} on or about XXXX XXXX, 2011. <P/>I would like to be provided validation or a contract from this company for the said debt. I do not have a contract with this company, also this company does not have an active license to collect debt in the state of Indiana.
Product: Credit card or prepaid card

I have always has high utilization on my Citi Credit Card for years and I pay on time for years. I sometimes pay this card down or off and charge again etc. I took out a consolidation loand and this week paid credit cards off and paid down other cards and this Citi card sent me an email and they reduced my credit limit. I was in process by consolidating lower credit usuage and improving my credit score when they go and do that and that will not hurt my credit score and show my utilization high. They obviosuly did it on purpose. I chatted with them and they claim by looking over account XXXX  they have to adhere by these things and it was out of their control. I filed a complaint and I was told they woudl take it to management. I understand that these things happen but I pay on time and I paid a decent amount this week and in past I have done that and to lower my credit limit is mean and it hurts me as the customer. I was trying to improve my financial position. I was told I could try to get it increased in the future and they always look at accounts. I also told them I just was approved for a large raise which will increase my income by XXXX more a year. This is upsetting and I know they can do this but I have not done anything differently than I have for all the years I have had this credit card. So that is what bothers me. I am very upset to think customers are treated this way and they want to damage people 's credit rating on purpose.
Product: Credit card or prepaid card

On XX/XX/2020, I noticed a fraudulent pending charge on my PayPal Mastercard administered by Synchrony Bank for {$63.00} from XXXX XXXX XXXX. 

The card number must have been stolen since I still have the physical card. I closed the account and demanded that the charge be removed since it was fraudulent. 

Later on XX/XX/2020, the charge from XXXX XXXX XXXX was broken into two ( 2 ) transactions, one for {$19.00} and the other for {$43.00}. 

I notified Synchrony Bank that both charges were fraudulent and demanded that both be removed. 

Synchrony Bank refused to remove the {$43.00} but did remove the {$19.00} charge only after I harangued customer service. He told me he could only remove up to {$25.00} and that it would take 60 ( sixty days ) to do an investigation. 

Synchrony Bank is in violation of the Fair Credit Billing Act. Both charges should be removed immediately and no interest charged. 

I sent Synchrony Bank a letter demanding this and they have refused. 

Kindly see attached letter.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I sent letters to Experian, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which sates that continued reports of the unverified information without any proof provided, within the time allowed by laws, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX
Product: Debt collection

I write this to explain the lack of consideration or repeated attempts to have this organization from continuing harrasing me regarding a late credit card payment. On XX/XX/XXXX my XXXX XXXX XXXX XXXX XXXX  at my mother 's residence while my family was out of the country on vacation. Upon hearing the news, I drove cross states lines to immediately be on site. Through the turmoil and trying to discover the reason for the unexpected death, I was contacted by Continental Finance ( phone listed below ) in an attempt to collect a payment on XX/XX/XXXX. I informed them of the situation and to please stop calling me 4 times a day at randon times to collect a payment and that I would resolve the matter as soon as I arrive back home. The calls did not stop. Since I was out of my home state, the calls would come prior to XXXX since they apparently were not aware of the time difference and after I have talked to them multiple times. In the last three days alone, I have personally received 9 calls from this organization. Today I arrived back home and as promised, I called them to make a payment on my account. During the call ( 24 mins on hold ), I received two calls from them as I was attemping to make the payment. The representative informed me that they are not dialing the numbers manually and that they do not have control on how the calls are made. That their organizations back end system calls throught the day and their goal is to make sure their clients receives payment. So, my personal privacy nor my families time is valuable to them? I asked him plainly and clearly after I explained to him again my brother 's untimely passing on, " how much do I owe your organization so I can determine how much my brother 's life ment to them ''? He informed me {$100.00} dollars. He asked me " why couldn't you pay the balance then ''. Which I explain that I was not aware of the cost of burrial, travel and expenses while I was gone, during the holidays at that, so therefore I wanted to ensure I have the reserves to pay not only the {$100.00} for my credit card but also all the unexpected expenses. This company is notorious for this and not the first time either. I have been XXXX due to a XXXX XXXXXXXX and due to a XXXX XXXX ( that I developed after XXXX ) and both times this organization did the exact same business practice. I want to bring this to your organization 's attention since according to your fair debt collections practice, this organization is not playing by those rules. Please contact me directly if you have any question or if you would like to see call logs outlining the information I have provided.
Product: Credit reporting or other personal consumer reports

I was involved in data breach and according to statue and law. I deserve to have anything that is report negativity on my credit reports removed within 30 days. 
I am requesting that now. Remove all negativity on my credit reports ( Experian, Equifax, and TransUnion ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX. This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX   in the amount of {$2700.00}. And i also have not received my 1099-C letter from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX is reporting to credit bureau saying that I was 30 days past due back in XXXX of XXXX. I have bank account statements saying I paid the monthly bill in full in XXXX of XXXX. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. XXXX has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX  XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and capital one do not want abide by the law hopefully this will make my credit report accurate.
Product: Debt collection

Ive disputed the validity of this debt. The company refuses to remove this debt although theyve provided no information for debt validation and/or debt verification. A collection company is also reporting this debt. The amounts are between this creditor and the collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX  should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. This company and the collection company are report different information for the same account.
Product: Vehicle loan or lease

On XX/XX/2022 I sent a notice of dispute and debt validation & verification affidavit to Chief Financial Officer XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX in which I am questioning the Negotiable Instrument/ Promissory Note/ Retail Installment Agreement as in who funded the check the response I received back was just a copy of all my payments and the Retail Installment Agreement see attachment of my notice of dispute and debt validation & verification affidavit that need to be answered point by point under penalty and perjury the only way to settle this matter is to provide me with documentary evidence 15 USC 44 whereas that includes all documents, papers, correspondence, books of account, and financial and corporate records I need to Clarify who funded the check and How much is owed according to the journal and ledger ( GAAP ) entries from the date of open of the account as described in IRS publication 583. If you can not verify and validate this debt by the above listed means,, to even send me a letter? Are you committing mail fraud?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED ALL DOCUMENTS NECESSARY TO HAVE ALL ITEMS LISTED BE IMMEDIATELY BLOCKED PURSUANT THE FCRA
Product: Payday loan

NCP financed a XXXX loan to a person of no association that used my savings account information with not authorizing loan with me. NCP debited my savings account for the loan unauthorized. I am getting no resolution of the problem. I have filed report with my sheriff department who is actively investigating the report. 
I am not the borrower or any association of the person who received the XXXX loan.