23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Sent letter To you CFPB Case # XXXX Please check it, Portfolio recovery I sent letters 4 times disputing this as not mine to all 3 CRA and to portfolio Recovery enclose the letter from XXXX  XXXX stating not my account and bought it back from portfolio recovery the 3CRA investigated 4 times claiming portfolio recovery verfied account even tho they all received that letter for them to state they had no idea is false portfolio recovery CFPB case # XXXX states this. In my email reply to you CFPB MOnday XX/XX/XXXX XXXX pm Are 2 pdf response to this claim I am making now PDF XXXX XXXX you closed my case so I file another My rights are being violated and I feel there should be fines imposed for this 6 month fight i have been going through as a consumer they have damaged my credit embarressed me and my family I even wrecked my car thinking about this dispute the emomtional efects its had on me I want this removed NOW they have did enought damage .I have shown they were stalling and playing games
Product: Checking or savings account

Wells Fargo ( WF ) is in a Settlement Agreement with the CFPB to reimburse WF customers they unlawfully charged fees, interest, and enrolled customers in unauthorized programs. WF has hired a third party company to handle paying back customers. The third party company named XXXX XXXX is out of compliance with the settlement agreement. The Settlement Agreement requires timely reimbursement. They are months behind in their payments to customers. The money owed to me is 30 days past due. 

Section IV of the Settlement Agreement places the ultimate responsibility for compliance with the Agreement on the Board of Directors. WF has received XXXX 's of complaints regarding their non-compliance with the Settlement Agreement with complaints as recent as XX/XX/2024. WF continues the same deceptive practices today that they were fined by the CFPB for in the current Settlement Agreement. WF has been cavalier, dismissive, apathetic and nonchalant about the Settlement Agreement, and their non-compliant status.

The CFPB has oversight for the Settlement Agreement and WF 's compliance. There are XXXX XXXX complaints in the CFPB complaint database complaining about WF 's deceptive behavior as recent as XX/XX/2024, and WF 's non-compliance with the Settlement Agreement. 

The CFPB has the authority and oversight responsibility to enforce Wells Fargo 's compliance, assess additional fines, and obligate WF to take the Settlement Agreement seriously and manage timely remediation.

Why was the Settlement Agreement entered into by the CFPB if Wells Fargo has no intention and could care less about it's customers. 

I want Wells Fargo to honor the terms of the Settlement Agreement and process my remittance check immediately, as well as the checks of others timely. If WF does not step up and adhere to the timely terms of the Settlement Agreement, CFPB should step in and protect the thousands of customers that were and are being harmed.
Product: Credit card

On XX/XX/year>, I applied for the Capital One XXXX credit card using the XXXX  Limited-Time Offer {$250.00} to use on Capital One Travel in your first cardholder year, plus earn XXXX bonus miles when you spend $ XXXX in the first 3 months promotion. My application was accepted through the pre-approval process, and I subsequently received and activated my card. However, after activation, I noticed that the bonus tracking feature was not visible. 

On XXXX, I contacted Capital One customer service. During my call with the agent named XXXX, I was informed that my account was ineligible for the promotional offer because some unknown reason. My account was new and it was my first Capital One card. This explanation ( you may not eligible for some unknown reason ) was not mentioned during the pre-approval or activation process, unlike similar offers from other companies ( e.g., XXXX and XXXX ), where eligibility is confirmed upfront with a pop-up window. 

I am filing this complaint because I believe the pre-approval process and promotional materials misled me regarding the offers eligibility. I would appreciate a review of my case and a clear explanation of why my account was determined ineligible for the promotion.
Product: Debt collection

I received a letter from the  National Credit System   XXXX / XXXX / XXXX  in reference to a debt from a  apt . c omplex called    XXXX   XXXX   XXXX   .  that I use to live in. In  XXXX   XXXX  or so I filed a dispute in reference to I think  XXXX  and some change that I wrote about on my credit report for which I did n't hear anything else about it so I thought this issue was over I had to put a deposit down between  XXXX  or  XXXX  and they kept it which was enough to cover the normal wear and tear of a apartment that I lived in for almost 3yrs and I took pictures of the way I left the apartment and I believe they are over charge to get more money and for National Credit to send a letter stating that they would put liens on my property, garnishes wage and take me to court to get more from me and it was in my best interest to contact them. I felt their letter of intent was rude and illegal and I am not sure how companies get away with this behavior but they need be shut down by the federal government and the money they are claiming I owe I do not and it was stated in my explanation on my dispute that I did with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and do not belong to me XXXX  XXXX  account number XXXX openedXX/XX/XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX + duplicate listed twice account number XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name : XXXX  ) ( Enter Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : - XXXX Account # : XXXX -XXXX Account # : XXXX -XXXX Account # : XXXX -XXXX Account # : XXXX -XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX -XXXX XXXX Account # : XXXX INQUIRIES : -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

BOA had me on a keep the change I had called several times to ask me to remove this they continued to move money from checking to saving daily whenever a transaction was made and then I would move it back and call them I was told that this had been taken care of just like someone was supposed to change my acct to the safe balance and they did not took several calls they have since charged me XXXX and when I called them they responded that they would not reverse the charges. I am not willing to pay a fee for keeping my checking acct from being over drawn they have since turned off the keep the change. They said I signed up for this years ago and I advise I had ask them to remove it before now due to COVID and my medical and financial situation. I medication I need to be buying XXXX XXXX XXXX XXXX in XXXX I have XXXX I need to wear the next XXXX mos. so I do not have money to give to a bank. Also during COVID they closed my business acct without telling me why and sent me to XXXX XXXX  and when I tried to address this with them they I have been blown off XXXX XXXX answers the phone but the amount they reported was in correct and there was money in another acct that this could be been cleared up they need to remove me from XXXX XXXX this is affecting my business, credit and ability to reopen my business since COVID I think closing my acct in the mist of COVID was a horrible decision for a small minority business and being a woman makes me a double minority. I have been through it with BOA and they really need to stop picking on the little people nickeling and diming along the way every little bit count these days please correct these action remove me from XXXX XXXX for I was not aware of this amount being owed and was not granted a proper notice to clear it up on my own. I am still banking with BOA with personal accts I do not want any retaliation for this complaint the XXXX fee has cause an overdraft please correct this. My cleaning company is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES  ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE XXXX AS WELL . THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

EXPERIAN : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} XXXX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXX : XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} If you feel there is a possibility these accounts belong to me I will 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.
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX XXXX XXXX XXXX  and I missed a payment on my Discover credit card. I made a payment as soon as I felt better and asked Discover to show that I was in good standing. They told me that I have to dispute it, in order to restore my credit score to good standing so I am just doing what they instructed me to do.
Product: Student loan

Started with XXXX in XX/XX/XXXX. I had a XXXX XXXX and I was advice to slowdown working. 
I was working for XXXX in XXXX XXXX XXXX XXXX. I was granted my XXXX on XX/XX/XXXX. 
My next goal was to the XXXX in XXXX on XXXX XXXX, granted on XX/XX/XXXX. 
The next was rectification for XXXX XXXX on granted on XXXX. 
XXXX XXXX XXXX XXXX. 

When I completed my education working on the documents listed. I started my education XX/XX/XXXX through XX/XX/XXXX. My work was after work hours. 

NAVIENT bought my education work. I was advice by NAVIENT that I had approximate {$31000.00} of work that I was to complete. XXXX advised me that I had no payments. Not sure they had any time or work to complete. I am a XXXX XXXX XXXX veteran. 

I am veteran with XXXX due the XXXX XXXX XXXX with a XXXX and I am with XXXX  problems. I am not working now and I was out of for 15 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have VOLUNTARY surrendered my vehicle back to Mercedes Benz Financial Services in XXXX of XXXX. 
However, Mercedes Benz Financial just changed history of my account and notified credit bureaus XXXX, XXXX and XXXX that in XXXX (! ) from XXXX through XXXX of XXXX account was in repossession (! ). This does not make any sense nor this is right as this vehicle was VOLUNTARY SURRENDERED and brought back to XXXX XXXX XXXX in XXXX XXXX, Ca at the end of XXXX in XXXX!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), Portfolio Recovery Associates ( XXXX   account ) and XXXX XXXX ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, Portfolio and XXXX sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, Portfolio and XXXX continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore Portfolio Recovery is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone in XXXX XXXX, XXXX  opened a XXXX account in my name and then did not pay the bill. So now it has severely damaged my credit. I filed a report with the XXXX, XXXX  police dept. but because the fraud occurred in XXXX XXXX, XXXX, it is out of their jurisdiction. Experian said Im needed to file a report we FTC who transferred me to your website. The address on the report is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have never lived in XXXX. I contacted XXXX and they have removed the charge, from me, but Experian refuses to correct the error. Both XXXX and XXXX have corrected my file, but experian has not and said they can't without a, report from the FTC. Can you please help me as this has been going on for months and the stress is affecting my health. I am XXXX XXXX old and XXXX.
Product: Credit card or prepaid card

My XXXX credit card payment was {$290.00} which i had paid in full. 
When i received the XXXX statement ; i saw there's interest charged {$2.00} on my statement. i do not know why? 

I have called the REGIONS credit card company about my issue on XX/XX/2021 ; but the representative told me that she can not remove the Interest Charged. 

Obviously ; this is a kind of ABUSE CHARGED. 


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

On XX/XX/XXXX I contacted TransUnion about the following fraudulent accounts ; XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} ). TransUnion failed to investigate and remove these fraudulent information on my credit report. Attached is the dispute I sent to XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review the complaint. After reviewing the XXXX  Credit report Navinet continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.
Product: Checking or savings account

On XX/XX/XXXX I had 2 XXXX withdrawals from my Capital One checking account. As soon as I noticed them I called Capital One and put in a Fraud claim and locked my card. I have never used XXXX through Capital One and have only used it once many many months ago not through Capital One. They determined there was no fraud and denied my claim. I did not withdraw money or send money through XXXX. One amount was {$900.00} and the other was {$700.00}. I am filing a complaint. No one called me to discuss the matter or ask any more questions. Nor does it give me the ability to file an appeal. I would like my money back and close my account with them. I am a single mom and raising my granddaughters. Every penny matters.
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX has violated my rights. 

I looked at my Transunion, XXXX and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified
or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit card or prepaid card

Synchrony Financial received my coupon that I sent out on XX/XX/XXXX and it was delivered on XX/XX/XXXX. I have receipts that it was delivered but I didn't get my returned XXXX registered receipts mailed back. I have sent them the payments according to the XXXX which they have failed to credit my account in the full amount. The Respondents is violating my rights to discharge according to XXXX XXXX XXXX XXXX. TENDER OF PAYMENT ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. XXXX XXXX. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, UCC 3-104. NEGOTIABLE INSTRUMENT, 3-419. INSTRUMENTS SIGNED FOR ACCOMMODATION, 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption, 15 U.S. Code 1666b - Timing of payments. Therefore, Synchrony has violated my rights.
Product: Student loan

On XX/XX/XXXX, I attempted to call the XXXX XXXX XXXX XXXX XXXX to see if I could retrieve my transcript in order to move forward with my XXXX  education. XXXX calling the office, they redirected me to the Business Office because my loan was not currently active and had been sent off to a third party collection agency. The Business Office was able to give me a balance and a payment plan option, but I am unable to pay the amount because my family has been under hardship. This has been blocking my education for the last 20 years, asXXXX other obligations have caused me not to be able to pay off this loan. I am writing this complaint because I do believe that the loan should be excused, or at the very least, my transcript should be released considering the circumstances. Here is some background about the loan. 

In the summer of XXXX, I decided to register for classes after a successful first semester straight out of XXXX XXXX  that Fall XXXX. I registered for the classes and took a summer loan from Wells Fargo. I even attended them the first week, in which the deadline for refund had passed. After, the first week, I realized that the demand of traveling back and forth 45 min to 1 hour each day and still having obligations aside of school was going to be too taxing so I decided to drop my classes. I had not obtained my books or received any refunds for the loan so there was no money received yet. I went to the front office to try and negotiate the loan being excused, but they said they couldn't due to the deadline. Since that time, the unused student loan has been applied to my credit and then sent to collections. My transcript has had a hold on it ever since. I am now wanting to go back to school at the age of XXXX and obtain a XXXXXXXX XXXX XXXX  so that I can better take care of my family, but this one small thing is blocking me. The loan is a total of {$1800.00}. They said they could split it into 4 payments and uphold the transcript after the first payment, however because my husband and I are struggling with XXXX kids and looking for jobs, I can not pay even a fourth of that amount every month. 
I am asking that you would please pardon this loan, or at least remove the hold so that I can move forward and perhaps pay it off in the future as times get better for us. Thanks for your consideration.