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

I am writing to express my concerns regarding the accuracy of my credit report as provided by Equifax. On XX/XX/XXXX, I initiated contact with Equifax to address the presence of incorrect information on my credit report. To date, I have not received any response from Equifax. I wish to outline the details of the erroneous information and the necessary corrections : The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Request : Please remove this account from my credit report. 

You are reporting the XXXX account inaccurately : Date Opened : XX/XX/XXXX Reported Balance : {$5200.00} Discrepancy : I recall the balance being lower. 
Request : I kindly request you to delete the Past Due information for this account, as it should not be reported due to its closed and charged-off status. Additionally, I request that this account be marked as disputed to prevent any adverse impact on my credit score. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$58.00} Request : Please remove this account from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Request : Please remove this account from my credit report.
Product: Vehicle loan or lease

I paid of the auto loan with TD Auto on XX/XX/12. XXXXD Auto 's own written policy on their website states that they will release the title and lien within 10 calendar days. I have called and e-mailed numerous times and they will not allow men to speak with anyone that can get the lien released. They participate with the State of Virginia 's Electronic Lien release program. The State of Virginia code 46.2-643 also requires them to provide a certificate of title within 10 days. TD Auto has refused to do anything at this point but make excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was previously deleted from my consumer report has just been reinserted. There should have been a full reinvestigation before this reinsertion. According to 15 usc 1681i a consumer reporting agency must provide me with something in writing at my home address within 5 days that a file is being reinstated on my account. Furthermore, you must also communicate who you spoke with to verify this reinsertion. 

Account : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I asked the company to provide a temporary forebearance for my auto loan due to a temporary financial XXXX hardship. 
The Company Representative initially said okay. Then the representative called back and said she would only grant me XXXX month and that if I needed it for longer, I would have to go through their Credit Counseling Department and give all of my creditors, the amount I owe, and their status. My response to the representative is that I made on time and early payments for over a year on my loan and that I needed a longer forebearance due to an unexpected financial hardship related to XXXX and how would credit counseling help me keep my vehicle and help with me getting a longer forebearance. The represenative again said that I would only be granted a month which I shared with her that a month is a set up for failure with my temporary situation and the representative pretty much said that is too bad with no empathy and offer to help me keep my vehicle. 

Since then, I have written several messages in the online portal asking for the maximum forebearance period ( meaning 360 days ) and when my financial hardship improves prior to the maximum days, I will gladly make monthly payments ; only to see that nothing has changed ; meaning the NFCU still has the number of payments I am behind and the interest continues to accrue daily and a message for me to get financial counseling through NFCU. While financial counseling is their option, it is not a solution to providing the assistance I need during my financial hardship to keep my vehicle and to help me during this challenging financial situation.
Product: Credit card or prepaid card

To whom it may concern, My name is XXXX XXXX XXXX. I applied for a CitiBank Citi XXXX credit card using the promotion code provided in a letter they sent me ( attached ) in mail, which stated that I am pre-approved for Citi XXXX  credit card. 

Later that week, I received a letter in mail ( attached ) asking for a copy of my US Passport or Permanent Resident Alien card. I am an XXXX  citizen currently in the US on valid student status ( XXXX status ), so I do not have either of these documents. So I called Citi customer support and they initially wouldnt tell me why they can not process my application. 

At first they said that either on the application form or on their website the immigration/citizenship requirements are mentioned, but they retracted that statement because it simply was not there. Neither in the promotion letter, nor the application webpage ( both attached ) was there a mention of requirements regarding nationality or immigration status. 

They eventually told me that I am not qualified for this credit card because I am an XXXX national and federal law prohibits them from issuing me this credit card and my application will be rejected. However, they would not tell me what rule/law they are referring to. I reminded them that on the back of the letter they had sent me it is mentioned that The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age. 

Their failure to disclose this information had the following consequences for me. First, I shared sensitive information including my SSN, my address and date of birth with this financial institution, expecting that I will receive a service in return, however, according to their oral statement ( which they could not point to a written counterpart anywhere on their website or their letters ), I was not qualified for in the first place. Second, the fact that I would my credit card application will be denied is probably impact m

y credit score negatively. I spent over an hour talking to multiple representative and managers and eventually left feeling humiliated. I believe that Citis c
urrent practice in this case is both discriminatory and borderline fraudulent. 


Regards, -XXXX  XXXX XXXX
Product: Bank account or service

XXXX : WHAT HAPPENEDI am complaining about a deceptive, negative-option add-on product called " XXXX XXXX Solutions '' on PNC Merchant Services small business accounts. This is similar to the negative option affilliate marketing products that have been the bain of consumer accounts for years. The CFPB in its bank oversight role needs to nip this in the bud on the Small business accounts. 

In XX/XX/XXXX I cancelled credit card processing on my PNC merchant bank account through PNC Merchant services. In XX/XX/XXXX I deactivated my credit card processing with them, and I stopped getting billed a monthly fee. In XX/XX/XXXX, they started charging a monthly fee for XXXX. They said that they imposed this charge via a letter that they sent me in XX/XX/XXXX advising me of the new fee, and they said they had the right to charge new fees according to the merchant agreement. This merchant agreement, they say has a pro-rate early termination charge. My early termination charge at this time they say would be {$450.00}. I dispute signing a three year agreement with an early termination charge. Also I argue a contract that they have the right to arbitrarily add charges is a contract of adhesion - and at best there is a duty of good faith and fair dealing in adding charges. In this case, a new {$24.00} charge for an inactive account for protection not needed or asked for is not good faith - especially when the letter they sent me was sent to an outdated address, a letter that did not get to me. On the other hand their statements do get to me electronically. They could have sent me the letter electronically as well. 
Finally, PNC Merchant Services is a deceptive name. They claim they are separate from PNC bank. They were referred to me by PNC Bank, and they use PNC 's logo. I updated my address with PNC Bank in XX/XX/XXXX, I presumed ( wrongly, I guess ) that PNC Merchant Services would receive the updated address as well.
Product: Debt collection

I received a letter from the payroll department last week at work that they had received an order to garnish a percentage of my wages due to an alleged debt that I owed. 

This communication allegedly came to them from from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This was the first I heard about this alleged judgement of Wage Execution and had received no prior communication about it. 

When I called XXXX XXXX I was told that the {$11.00}, XXXX. XXXX debt now belonged to the law offices of XXXX, XXXX and XXXX. I called that office and was told that the debt was from XX/XX/1994 and attached to a XXXX XXXX and that the judgment was against my ex-husband and me. 

I did not take out this credit card and was unaware of any debt attached to it. They have now started garnishing my wages, effective XX/XX/2018 because I am employed and my ex-husband -- who I have been divorced from for nine years -- is not. 

This is not my debt and I was never notified about this debt from anyone. I want the wage garnishment to be stopped immediately. 

I tried resolving this with XXXX, XXXX and XXXX and they told me because my ex-husband has no assets to garnish they are coming after me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and TransUnion are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXXXXXX Open Date XX/XX/2019 balance : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS IN XXXX XXXX IN THE MILITARY WHEN THE FRAUDULENT ACCOUNT FROM XXXX XXXX WAS OPENED, THIS ACCOUNT WAS NEVER OPENED BY ME, THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I DON'T KNOW WHO OPENED THE ACCOUNT.
Product: Debt collection

Incident : Fraudulent Collection Agency Letter Description of Incident : On XX/XX/XXXX, I received a fraudulent collection agency letter in the mail. The letter claimed that I owe {$540.00} to XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX XXXXXXXX, Texas, as of XX/XX/XXXX. I have never visited any clinic in XXXX XXXXXXXX, including the alleged clinic mentioned in the letter. Upon researching, I found that the alleged clinic does not exist, and there are hundreds of reviews from individuals claiming to have received fraudulent debt from this company. 

The letter was sent by Lockhart , Morris & Montgomery , Inc., a debt collector agency. Upon further investigation, I discovered several negative reviews from individuals who have also received fraudulent letters and even had fraudulent debt reported on their credit reports from this agency. 

Attachments : Copy of the fraudulent collection agency letter Screenshots of reviews for XXXX XXXX XXXX XXXX XXXX XXXX and Lockhart , Morris & Montgomery , Inc . 

Action Requested : I request that a police report be filed to document this incident of fraud. I do not want this fraudulent debt to appear on my credit report. I am prepared to provide any additional information or documentation needed to assist in the investigation.
Product: Debt collection

For months have been receiving numerous calls ( most robo calls ) for different numbers for the same company Portfolio Recovery Associates, LLC., XXXX XXXX XXXX XXXX XXXX VA XXXX. They have been asked in writing by mail and email to cease and desist all communication, especially at my place of employment. Instead of stopping the calls have increased and have now became to include with threats to contact my employer. 

Letter dated XX/XX/2019 was emailed and mailed via USPS to the above address. Second letter mailed XX/XX/2019. 

In XXXX a call was answered from an agent for the company, they where given no information and where told to they are being notified to stop calling and remove the phone number they are contacting. 

This company is not following Fair Debt Collection Practices Act and need to be held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXXXXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I don't have a contract with them
Product: Mortgage

I could not believe in what I seen for Wells Fargo. They really just take action to help homeowner. We are struggling to deal with them with all their expectation and nightmare for modification. My agent has submitted a lot of documents with PROOF fax went through. Wells Fargo called me and said they need same thing again and again and sale date will not remove and underwriter was not reviewed the file. When my agent told them she faxed and went through the representative from Wells Fargo is being mean to her and said " Fax again till we receive it ''. How come they can treat us as hardship homeowner and being unfair treat to us for dealing with loan modification. We are about to divorce but now because of the house we want to keep it and work out some options. However, Wells Fargo has practiced some unfair thing following : - I have XXXX and they asked XXXX account number and transaction information. It would violate invasion privacy since they just share the room and we cant ask them to provide such as bank account information. We sent them XXXX XXXX XXXX car payment with our address on it but they do n't consider that. They want full bank statement with account on it. 
- They asked us to fax over the documents but they did not response and told us they did not get it. 
- Discrimination of marital statusAs the homeowner, we believe we have the protection under certain law and regulation. I have sent them all documents they need but they never kept their tracking of documents and asked over and over. Per California law of Dual Track, they cant foreclose the house while we are requesting them to review loan modification. They did not give us a fair review and send file to underwriter except making us headache with foreclosure sale and documents require. If it is reasonable documents, we can satisfy but they diged to detail in relationship and tenant information which we believe that it is not right. We need somebody who account manager, can follow the regulation from California Bill and give us a fair review for loan modification
Product: Debt collection

Current : XXXX Original : XXXX  Account number : XXXX Agency reference number:XXXX Balance : {$500.00} Someone in my roommates stolen my info opened a XXXX  account for a new XXXX, after I found out it he returned the phone to XXXX and apologized to me. 
BUT XXXX push me to a collection company and make them call me every day that asking me to pay them a early termination fees!
Product: Debt collection

XX/XX/22 First contacted me by phone. Represented this as a claim not an owed debt. Before I could call back they had called other people about this, one being my ex-wife whom I havent had any contact with in several years. 


When I called them back the person I spoke with told me theyre not a debt collector and only wanted to get a statement from me. 

I then requested they not contact me or any related 3rd party about this. He then begin to argue with me so I hung up. 

I did send a msg via their wed page that to only contact me by mail or email. No more phone calls to me or 3rd parties about this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/year>
Product: Credit card or prepaid card

XX/XX/2022 Received a debit card from Credit Karma that I did not request. 
When speaking to agents they asked for information to " find my account ''. I hung up and called a different number listed online, they asked for more personal information ( name, birthdate and email ) they stated they would close my account and send me a written notice stating they closed the account. When I called again and asked for the fraud department they stated they did not have a fraud department. 

I checked my credit report and noticed Credit Karma had done 2 soft inquiries on XX/XX/XXXX and XX/XX/XXXX both without my knowledge. I am still not certain whether this is a third party posing as Credit Karma, if this is a promotional service/offer from Credit Karma or if this is a case of identity deft. 

Materials sent are misleading and confusing, have not and will not be doing any business with this company.
Product: Debt collection

Statement Date : XXXX Amount : ( {$3600.00} ) Collection/Chargeoff Repeated Calls and Harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an credit card account with XXXX XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX  XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.
Product: Credit card or prepaid card

my vanilla gift card was hacked on XX/XX/22 for {$190.00}., I filed a complaint with them on XX/XX/22 and recieved case # XXXX. I submitted the form they requested and have a email confirmation from XX/XX/22. I was told this would take 90 days to resolve but when I call they have no information for me and today I was told I was emailed about this claim on XX/XX/22 and I have no email was recieved. they also state the case is still being worked on but have no updates.
Product: Credit card or prepaid card

I have a XXXX XXXX branded CITIBANK credit card that I enrolled in XXXX at the advice of the local salesman 's advice. I've used the card numerous times and never been late in paying the balance in full since inception until XXXX. I had made some purchases as XXXX   XXXX  using the card. A few weeks later, I was forced to leave the state for a while due to my daughter ( a minor ) being in an accident with 17 other youth. Once out of the hospital, I returned to the state and got the CITIBANK invoice. It has a late fee and interest on the charges. I called CITIBANK and the gentleman agreed to waive the late fee but would not waive the interest of {$9.00}. I accepted his offer as it was my responsibility to pay in a timely manner. However, I pointed out to him that it was a ridiculously high interest rate. We got off the phone XX/XX/XXXX per CitiBank notes. I submitted a check payment via the XXXX online bill pay which defaults to clearing the bank on cashing. CITIBANK and my XXXX XXXX account both state the payment was processed/cashed on XX/XX/XXXX which is past the XX/XX/XXXX due date. While they have an extremely high interest rate, CITIBANK also has a policy where the minimal finance charge is never less than {$2.00} per month. So, they're continuing to charge me interest at {$2.00} per month. When asked about the charges, I get different replies like it is an interest fee, a late fee, etc. For example, it says 4 months but shows {$10.00} with the representative saying that she'll waive the {$2.00} late fee. So they appear to be charging even more than $ XXXX/month at certain times. This is all for a purchase of $ XXXXoriginally that has been paid in full including the original {$9.00} in interest. 

I've attempted to resolve this matter with CITIBANK to no avail and get continued harassment during any discussions with them about payment. 

This appear to be an example of anti-usury lending.