23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a member of PNC Bank and on XXXX XXXX, XXXX I noticed that there was a {$7.00} fee classified as a calculated service charge on XXXX/XXXX/XXXX. I called customer service and was surprised to find out that my account terms that I had opened XXXX/XXXX/XXXX had changed XXXX/XXXX/XXXX. The bank only notified me of the change by inserting the change on XXXX XXXX, XXXX online statement that I had overlooked. There was no notification that the terms that I had agreed to had changed by mail, branch, email, or phone. No separate notification or message through the online banking system. I feel that they should have tried more or sent out notifications or text message. I was charged the {$7.00} fee 4 separate times out of 6 months. The bank agreed to waive the fee twice. So I am out a total of {$14.00} plus the time to call them to straighten it out and file this complaint online.
Product: Bank account or service

Citi Bank has removed XXXX points from my account and refuses to communicate reasons. 

Citi reduced my account from reward points from XXXX down to XXXX. 
Demand compensation. 
Citi employees Executive Response team XXXX @ XXXX and XXXX have REFUSED to respond being unprofessional and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate credit report information on payment. Payment balance was paid in full. 

XXXXXXXX XXXX  Partial Account # XXXX Payment of {$1400.00} was paid in full on XX/XX/
Product: Credit card or prepaid card

When I tried to redeem points XXXX Fidelity told me I had changed my monthly redemption date on XX/XX/XXXX. So they let the old date ( the XXXX ) run thru a cycle before starting my new date? So since XX/XX/XXXX ( my new date ) redemption will be XX/XX/XXXX? Not Fair, No redemption on XX/XX/XXXX ( 30 DAY from old date ). This is how they avoid ( delay ) paying points. SLEAZY
Product: Mortgage

I have a mortgage with Wells Fargo. I have never missed a payment nor been late. I have requested over the years to have PMI removed from my account. Wells Fargo said that I would have to pay {$500.00} for an appraisal. 

I refinanced my home about 4 years ago and the market was awful. They gave my townhouse a low valuation.

The market has drastically rebounded in California. I have paid close to {$10000.00} in PMI over the life of my loans.

I have spoken to Wells Fargo on multiple occasions.

They will remove the PMI in a couple of months with a LTV ratio of 80 %.

My townhouse was valued at approx $ 200K during the refi and the unit in the back sold for $ XXXX last year. 

I explained to Wells Fargo that my property tax and escrow continued to increase due to the property value. They would not make any concessions to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed XXXX and TransUnion Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, XXXX and TransUnion Credit Bureaus must update the listed account from my file. 
XXXX XXXX Balance Owed : {$11000.00}.
Product: Debt collection

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions|
Product: Credit card or prepaid card

I contacted XXXX XXXX XXXX regarding making payment arrangments in XX/XX/2018, they gave me an arrangment of {$66.00} my normal due date is the XXXX of every month, they tried to pull the {$66.00} out on XX/XX/XXXX and that put my account into overdraft, i called the company and a supervisor told me that when the processed cleared on there end, to call back and they would reimburse me the fee, so i called back on XX/XX/XXXX to see if everything was ok on there end, and a supervisor told me that the other supervisor shouldn't have told me that and they can't honor it, so i asked her that since they won't honor it could i pay the {$66.00} as agreed by the representative that gave me that figure in the first place, she went on to say she dont see any notes as to where i was given that figure, she just flat out lied because why would they try to draft {$66.00} on the second so i just hung up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX stated I had 30 day late payment but the money came out of my account on XX/XX/2024 in the amount of {$420.00} my due date is the XXXX of every month. I have proven transactions statement from bank to prove this amount was taken out of my account from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite my numerous written disputes, XXXX has failed to properly investigate and correct inaccuracies on my credit report as required by law, specifically under : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681s-2 : Failure of furnishers to provide accurate information.

15 U.S.C. 1681i ( 5 ) : Failure to conduct proper reinvestigations of disputed information.

15 U.S.C. 1681c ( c ) : Retaining adverse information beyond permissible timeframes. 
I have sent multiple letters ( attached ) to XXXX outlining specific inaccuracies on my credit report. Despite my evidence and their legal obligation to investigate and correct errors, they have either failed to respond adequately or refused to comply with FCRA standards. 
I recently learned about the CFPBs enforcement action against XXXX, where they were fined {$15.00} million for improper investigations of credit reporting errors. My experience aligns with the issues raised in that lawsuit, as XXXX handling of my disputes appears negligent and unlawful. 
This has caused me significant harm, including : Lowered credit scores, limiting my ability to obtain credit or secure favorable terms. 
Emotional distress from dealing with these ongoing issues. I sent letters on XX/XX/year> XX/XX/year>, XX/XX/year>, XX/XX/year> Along with online disputes as well. This has hurt my family and I for being able to get housing and credit to live
Product: Credit reporting or other personal consumer reports

I received a consumer report from experian, XXXX, and XXXX and they all have reported inacurrate information on my consumer file and they are not following federal law and I as a consumer have a right to privacy and this is illegal to report transactions and also without my consent. I have never given consent to these inaccurate reportings. I have NEVER been Late and I have never missed a payment. These reporting agencies are not allowed to report any transactions history that is negative and for any purpose. I have been violated as they have caused me mental harm, stress, and loss of credit extensions as they have been furnishing my information and reporting information that they have NO RIGHT to report. 
They have assumed a role that they are part of the government and they are not. I Demand that they update the accounts to show as paid as agreed or paid. I need these agencies to update my files and the accounts that they have as late to get them corrected as I need the history
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Ma'am, Good afternoon! I bought a mattress from XXXX XXXX  in XXXX  XXXX, VA in XX/XX/XXXX and used financing through Wells Fargo to pay it off in installments. Shortly after that, military obligations caused me to move to XXXX XXXX, CA. I had trouble getting auto payments set up after getting calls and calling Wells Fargo several times. I would get calls that the payment was due, I would pay it, and then ask why auto pay was not taking out the payments. After a few months of this happening, I then ended up deploying. When I returned the account had gone to collections and also been charged off. I received no emails about any of this happening. I then settled the entire account balance with Wells Fargo in XX/XX/XXXX. My credit score had been increasing, due to no other negative remarks, and so I decided to send Wells Fargo a letter asking for a possible goodwill adjustment. The request was declined, but then I noticed that I had taken another big hit to my credit score. When I looked, Wells Fargo had updated the date reported on my account to XX/XX/XXXX. I'm not sure if they have the right to do this, but it seems unfair that an old debt could come back and negatively affect me well after it's been paid off and settled. I would just like some clarification as Wells Fargo has been unwilling to help me or give me answers. Thank you very much! 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans Union has been asked to remove files on multiple occasions that have been incorrect and do not belong to me. They have been asked for the past XXXX  months to update files to match other reports yet have refused to do so in a very XXXX manner. When called they say its not their job to update files. When given information they file has been removed from other credit reporting agencies they report things as meeting FCRA standards after running XXXX reports on files. When called about issue they state its my issues. Recently they told me I needed to pay {$39.00} for a membership to see my updated report and the report never updated and they again stated that was my fault. Trans union has on multiple times acted Ina malicious, XXXX XXXX  and fraudulent manner when it comes to my file and have only found ways to take money instead of resolving issues. Other accounts have reported XXXX collections and removed the Inaccurate files and trans union has refused, other companies have removed incorrect information and trans union has lied and said they ran disputes when in reality they have not. I have apps that accurately monitor all their disputes and they open disputes for a few days and close them without any actual investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I, XXXX XXXX XXXX sent over to the repositories TransUnion, XXXX and XXXX XXXX Validation notices. 

I have contacted your organization twice before XXXX XXXX, XXXX and XXXX XXXX, XXXX. Have n't heard anything in regards to erroneus information on my credit reports. 

I am attemping to purchase a home for my family. And would like to make that an American Dream of mine. 

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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXXXXXX XXXX : Account number XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Mortgage

To whom it may concern, Over the past XXXX XXXX years we have had problems with Flagstar Bank. 
We submitted a loan modification in XX/XX/2021 with Flagstar bank. With the submission Flagstar requested that we quit the claim to the deed of the house in order to secure a permanent loan modification. We successfully completed the trial period with no status update. The process has been delayed and constantly prolonged. Due to the delays and not being able to get any help or proper explanation from Flagstar, the loan modification has been jeopardized. Our loan amount under the modified note hasnt been increased due to the delay. Also when we missed one payment and seemed out for help and to get a loan modification and lower interest rate we were told that we had to miss three payments in order to get a loan modification and that we did not qualify for lower interest rate. This was false. We are seeking help to finalize the loan modification. This has been a very stressful situation. As more time passes we are at risk of losing our home. 


Thank you, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2020 since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history this inaccurate information falsely manipulates the stature of limitations you failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights I am demanding a deletion of the following ( XXXX XXXX XXXX )
Product: Debt collection

I have asked their collection compnay to submit paperwork and terms from the loan as I can not locate it. They have refused and said that we are a law office .....
Product: Vehicle loan or lease

On XX/XX/2020 i was called by my auto loan company, and was told i need to pay a pst payment and past late fees that have generated i told them i was able to pay both of as of right now but need to make sure that the late fees were applied correctly Over recorded call i was told that would be guaranteed and she would even follow up with me Today is XXXX PST and just got off the phone with an employee and manager and was told they just paid my next car note, i told them i was unsatisfied and next car note not even due yet and it's putting me in a bad situation because not late fees are still there and receiving phone calls They told that's the way it is done and nothing they could do The auto deal is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on XXXX, Transunion, and XXXX. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX and my only employer is XXXX XXXX XXXX XXXX ( XXXX ). 
There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Product: Checking or savings account

I tried to open a new account with Vystar being a military veteran and they did not accept my application. I have no history of fraud or anything serious but overdraft due to not being able to budget my funds correctly since getting out military. I just want to open an account to have my XXXX checks deposited in Vystar.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were hit with XXXX in XXXX of XXXX. The entire world went into a state of panic and shock and I was laid off indefinitely working in a salon as no one knew if the world would even reopen. Trying to provide food for my family, I was unable to make my credit card payments a few months after my savings ran out. I called XXXX XXXX multiple times and explained that my unemployment wasn't in yet and that I was laid off due to a pandemic - something completely out of my control and not my fault. I was told that this was understood and that this would not negatively impact my credit due to the circumstances of the world. Upon reviewing my credit report, this is not what happened, there are several lates on here from when we were in a state of world emergency. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all reported lates on my credit report. This is absolutely unfair. I tried to keep everything a float as long as I could to make sure my payments were made, but a few months into the pandemic, I couldn't and I thought this was understood with XXXX  XXXX as I called them and spoke to them many times about this. I have been back to work since XX/XX/XXXX and caught everything up my first paycheck in XXXX and have not been late since. this is unethical and unfair to hit my credit during the pandemic with this.
Product: Debt collection

COLUMBIA DEBT RECOVERY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) dba Genesis Debt Recovery was collecting a debt on behalf of XXXX XXXX an old apartment of mine. XXXX XXXX XXXX ( XXXX ) failed to contact me about debt and only contacted my XXXX XXXXXXXX XXXX XXXX XXXX. Colt failed to pay debt and I was never notified. I found out about debt from credit report and paid XXXX XXXX XXXX XXXX XXXX XXXX sent me email and receipt of payment and told me they would contact COLUMBIA DEBT RECOVERY and have the collection account closed. I filed a dispute with XXXX, and COLUMBIA DEBT RECOVERY lied and said they still have an open account and debt to collect with me. I have contacted them several times, and spoke to a XXXX XXXX XXXX at COLUMBIA DEBT RECOVERY about removing the debt from my credit report. XXXX said he would remove it and send me confirmation account would be closed but still has not removed it or sent me the confirmation the account is closed.
Product: Mortgage

On XX/XX/XXXX year my loan was transferred to Sps for servicing of my loan from XXXX and I had just completed a modification and my taxes and insurance was suppose to be paid by the servicer. 

I received a letter from the County that my taxes have not been paid and I would loose my property XX/XX/XXXX. 

I contacted Sps and filed a complaint regarding this issue and was told that the taxes would be paid on my behalf after speaking with XXXX XXXX at XXXX XXXX XXXX. 

I receive a letter today attached that my escrow was removed without my permission and SPS failed to pay those taxes which is why I have lost my property and I have documentation that Respa violations have been violated and no enforcement action has taken place. 

I now have to file a lawsuit hire and attorney to sue for violation of my rights if those taxes have not been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 alleged fraud or extortion. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE COMPANY 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 EQUIFAX INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION XXXX XXXX XXXX XXXX EQUIFAX INFORMATION XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from EQUIFAX AND XXXX AND XXXX, and there's multiple inaccuracies, fraud, Identity theft and unauthorized use of my information without my consent! U.S.C 1681 ( b ). which is against the law under 15 U.S.C 1681 602 a section 2 ( A consumer reporting agency can not furnish an account without my written consent. an i never sent any type of instruction to report any of this inaccurate information an inconsistencies throughout all 3 reporting agencies I have 8 hard inquiries reporting from equifax and no accounts are open,15 U.S.C 1681 ( n ) to any of those said inquiries. so which have caused damage to my situation as a consumer, ive been denied credit that i am creditworthy for numerous times due to the inaccuracy and fraud these reporting agencies. My social security was used without any benefit to me and is Unacceptable, I the consumer have the right to privacy. ( 15 U.S.C 1681 602 A ) i never gave permission to report old addresses, old numbers, incorrect name across the 3 agencies. Under the FCRA and FDCPA these companies ( XXXX, EQUIFAX, XXXX ) I've even sent all 3 of these credit reporting agencies update on my address and number and full name. And still hasn't been corrected fully. they have violated my rights as a consumer and I DEMAND compensation for EVERY VIOLATION and CORRECT MY REPORT or you will be held accountable for civil liability according to 15 U.S.C 1681n ( a ) ( 1 )
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Under the protections provided by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the items listed below from my credit report. 
Accounts 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 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 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