23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We have tried multiple times to work with Discover Card regarding our struggle to pay our bill as a result of loss of employment due to Covid causing the XXXX XXXX  that I was working on to be shut down along with the next contract that I was to work on being canceled. XXXX XXXX  was one of the jobs I was to be on for years to come & the shutdown not only hurt my family income from over {$270000.00} income to ZERO income. I am having to leave the country to go to work but have not had my visa completed yet to work so my income has been at a halt since late XXXX early XXXX with an odd job here & there. I have even had to file for food assistance as a result of this situation. I have tried with no luck to get a hardship from Discover they just say " oh I'm, sorry we can lower your payment to {$400.00} '' & I tell them I can't even afford the minimum due of $ XXXX how do you think I can afford this. I know that they have these programs as I have seen the info online & I even gave that info over to them & they still say the same thing with no assistance. I tell them I am trying to pay you guys something & not have to file bankruptcy but with the lack of assistance that might be the only way for me to get things done. Other creditors have helped by applying hardship for 60 months with XXXX interest & even my mortgage company lowered my monthly mortgage almost half of what it used to be. I am struggling to keep a roof over my head & my lights on, let alone try to keep my credit in good standing. I am trying not to have to file bankruptcy but, if I can't get the assistance I don't see any other way at this point. The whole world has been hit with this not just me so you would think in this unique & crazy situation that they could work with us to not only try & get them some payments but also help a fellow human being in making it a little less stressful with the lack of income especially when I am paying what I can whenever I can. I'm not trying to escape the debt but trying to pay on limited funds.
Product: Mortgage

Please see attached letter to Wells Fargo Home Mortgage and documents of proof, copies of MY DEEDS of Full RE-CONVEYANCE, I DO NOT HAVE A MORTGAGE WITH WELLS FARGO. 
Below I will mark making payments because the account number did not exist and when I went to Wells Fargo to make payments, the account did not appear on screen, so the agent would enter my name and take the payment. One day the agent just told me look XXXX XXXX this is not a Wells Fargo Account. Check with them to see why they are sending you statements. I knew I did not have a Mortgage and that my home would not have appraised out for that amount, and if I refinanced XXXX times as they contended, where was the Money? I did not at any time have a Mortgage with Wells Fargo nor did I refinance with Wells Fargo ever. ( See attached proof of deeds of Full Re-Conveyance )
Product: Credit card or prepaid card

XXXX credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. Then to top it off they waited until i paid all but XXXX off to a 0 balance. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all XXXX of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards. Per reps they stated they felt I was high risk Jcpenny XXXX balance credit limit XXXX Old navy XXXX balance XXXX limit Belk XXXX balance XXXX limit Sams club XXXX balance XXXX credit limit Rooms 2 go XXXX balance XXXX credit limit Carcare XXXX balance XXXX credit limit Care credit XXXX balance XXXX credit limit Chervon XXXX balance XXXX limit So out of XXXX in limits in which the company gave me I only had balances on XXXX cards totalling XXXX and I'm a high risk. I never called during covid for payment arrangements or anything and you close my accounts now.
Product: Credit card or prepaid card

Hello, my Citi Credit card had charged me today for a charged of {$680.00}. I didn't authorize anyone to used my credit card at XXXX XXXX Plus the charged today was more than what was the disputed amount which was supposed to be {$430.00} as you'll be able to see in the attached copies. The {$430.00}, was also charged back in XXXX bill which I paid the total balance. 
After going through my statements charges, sometime inXX/XX/XXXXI saw the charged in my citibank statement for {$680.00} I had already paid. When I called the fraud department they told me that the charged was {$680.00} but the store XXXX XXXX had giving me a refund for {$250.00}, which the disputed amount was {$430.00}. I went to the XXXX XXXX and the manager gave me all the receipts of the transaction which I have attached. The manager of XXXX XXXX said that once the person returns the machinery the deposit of {$250.00} is refund it to my credit card. The Manager said that the guy returned the machinery and did not used it and that's were the store issue a store credit for {$430.00}. I told the manager that I didn't authorize that transaction. Plus, returning the machine proves he didn't do any job so how is it that I got charged for something i didn't authorize? And how is it, that he was able to rent by just giving a credit card number that didn't belong to him. The card has been in my possession so that means he used my unauthorized number. The store aloud it. It makes me think they are used to doing this perhaps. The manager said that the guy used the store credits for different tools on different days. If you look at the receipts attached, the guy used the store credit for a XXXX XXXX sounds like a shampoo carpet and other tools. After XXXX XXXX gave me those receipts I called citibank and the supervisor told me not to worried because citibank had issued a credit and the case was closed. Today when I looked @ my statement I see a charged for {$680.00} that citibank had reversed. I had paid for the whole balanced today so I don't get fees charged. I called today and I talk to Supervisor XXXX ( XXXX XXXX, from Citibank dispute. XXXX said not to worried that he will appeal the case. I said to him that not only they charged me an authorized charged but also they charged me more than it was supposed too. I take care of my XXXX XXXX XXXX mother who's very ill and all this situation it's giving me more stress and I'm also ill and don't need more problems. If this is not resolve I will cancel this headache card. Citibank didn't even asked the store for the receipts or how did the guy used my credit card number? I believe this charged was not investigated thoroughly.
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to US BANK. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. I have also attached an FTC report for this complaint to support on fraudulent information complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card

Settlement already made with national debt relief to pay debt, company is refusing to negotiate. Account reported to collections when in good faith in trying to come to settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

my primary name is wrong and there is 1 previous address that should not be there as I never lived there I am attaching letter of explanation
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL XXXX of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Mortgage

PNC bank receive my mortgage loan as a transferred from XXXX Mortgage. However, they were not able to provide me account information, paid off amount after the transfer. Our house was sold and waiting to close without these information we unable to close and stop the escrow. We unable to request our escrow money as well since nothing about our loan exist in both XXXX Mortgage and PNC bank system. PNC 's customer service push us off stating they have no information about our loan and unable to locate it. XXXX would not talk to us either because our account is closed on their side.
Product: Checking or savings account

On XX/XX/2020 I opened a checking account at XXXX. I did so due to a promotion that I saw on the internet stating that if I made an electronic deposit of {$500.00} or more to my checking account I would receive a {$200.00} bonus within 60 days of opening ( XX/XX/2020 ), and if I met that criteria, and opened a savings account that had a balance of {$500.00} on XX/XX/2020, I would receive a {$50.00} bonus in addition to the {$200.00} bonus for a total bonus of {$250.00}. I deposited {$500.00} electronically on XX/XX/2020 to my checking account and on XX/XX/2020 I also deposited {$500.00} to my savings account via electronic deposit. I have attached both statements to this complaint. More than 60 days have gone by since I opened the account on XX/XX/2020. In fact, it has been nearly 120 days and I have not received the bonus. I would like the {$250.00} to be deposited into either my checking or savings account without further delay. I am on social security XXXX, receiving {$2200.00} per month for myself and XXXX children. I thought that the {$250.00} I was expecting from XXXX would help my family with expenses during the covid XXXX pandemic, but I was wrong, I opened the account, and put my money in there and got nothing. It clearly states in the instructions for getting the bonus that : " Within sixty ( XXXX XXXX days of account opening, at least XXXX electronic deposit from an unrelated XXXX party, of {$500.00} or more to your checking account, and have a balance of {$500.00} in your savings account as of XX/XX/2020 ''
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting incorrect and inaccurate information. The IRS clearly defines a charge-off as Gross or Ordinary income ; Publication 4681. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate and the reporting of this account as a debt, is inaccurate. 
See attached.
Product: Payday loan, title loan, or personal loan

I got a personal loan from XXXX XXXX. I made arrangements to have the very high interest on the changed through a Debt Consoldation Company. The original interest was around 120 %. They agreed to remove the high interest and take a lower monthly payment. The original amount that was due was over {$12000.00} for a {$2600.00} loan. The new payment amount is {$180.00} and the interest was taken off the loan. In XX/XX/XXXX they made a report to XXXX that now states on my credit report that it is Charged off. I have never been late with any payments. Also I am XXXX on XXXX. I am on a return to work program. I bought anolder car last year on Credit through XXXX XXXX a car loan company who gives high risk and high interest loans to people ON XXXX. my credit was very low when I got this loan. But after a year of paying all my creditors right on time my my credit has gone up substantially. In order for me to continue the Return to work program I will need to buy a new car. I started working as a XXXX for XXXX last year in XX/XX/XXXX. But because of the charge Off added to my XXXX credit report by XXXX XXXX, I am unable to buy a new.car in order to continue my job with XXXX. So now because of the charge off I can not get a new car. So I will lose my job on XXXX XXXX of XXXX because my car is much to old now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX is when I first tried to purchase a house when I was told by a loan officer that I had fraud alerts on my account. I had no idea what that was and stopped trying to buy a home. I later checked online and seen I was part of a security breech with Equifax and entered my information for a settlement and never heard back. Fast forward to XXXX I tried my luck again to purchase a home for my family and I could not obtain my free annual credit report. None of my security answers were correct and I could not speak to anyone. I mailed in my picture Id, social security card, proof of residence, and a letter to prove my real identity. I asked that if I could please access my Equifax, check for errors, and also remove at least 2 accounts I had paid at the time ( now 3 ). I sent receipts and contact information of the paid creditors I needed removed in the process. All these years I could only go by XXXX XXXX and free sites because I had no other way to see the activity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX for XXXX Inquiry from XX/XX/XXXX ... XXXX  XXXX XXXX Inquiry from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX - EQUIFAX XXXX Inquiry from XX/XX/XXXX - EQUIFAX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX- Equifax
Product: Mortgage

In XXXX of XXXX, property taxes were waived in the city of XXXX due to 100 % service connected XXXX. Penny Mac issued a refund in XXXX of XXXX for money paid to escrow for property taxes for the year. I. XX/XX/XXXX, the escrow paid the property taxes to the city of XXXX in error in the amount of XXXX. Since the end of XXXX I have called over 10 times between the lender and the city of XXXX to obtain the refund. I continually have to wait 14 business for a response that doesnt come. As of today XX/XX/XXXX. Penny mac has a cashed check with a check number for the property taxes refund and refuses to refund me even though we closed our loan out with them in the beginning of XXXX.
Product: Checking or savings account

Hi my name is XXXX. My problem with wells fargo is that there are disputes on my account for unauthorized purchases made with my account and my card. The total amount stolen from my bank equals to {$5100.00}. I have made effortless calls to wells fargo about this and to my surprise have had 0 cooperation. Wells fargo hasnt been refunding me any of these fraudulent purchases for months.
Product: Checking or savings account

I had contacted Citi Bank on XX/XX/2020 to close my Citi XXXX account ending in XXXX and on the same day I had them close my regular Citi checking and savings account which they did. I told the man I spoke with that I wanted to close all three accounts and he assured me they would definitely be closed. The individual for whatever reason didn't close the Citi XXXX account and now they have charged me a $ XXXX  monthly service fee and show the account as overdrawn. The account was already at a XXXX  balance which is why I called in the first place to close the account. There is absolutely no reason for this fee since I made the big effort to call and close the account and I had to wait for over an hour on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

GMAC provided me with a deferment/forbearance of my 3 installment payments that included XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and corrected the deferment with the next payment due XX/XX/XXXX, yet GMC reporting me 30 days late in the month of XX/XX/XXXX. I have asked them to correct this for months and they refuse to follow through. I want my credit report corrected asap to penalize them for UDAP, FACTA, FDCA, and XXXX  abuse of myself.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$25000.00}.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Net Credit/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Net CreditXXXXXXXX XXXX  : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma advised me today that an email XXXX went in and checked my report from XXXX thru XX/XX/XXXX. I asked credit karma how an entity can just get into an account and look over and over no response yet. I would like to know who this email belongs to XXXX
Product: Mortgage

I secured a home mortgage loan with Wells Fargo in XXXX. Subsequently, I refinanced with same company for a lower interest rate via product Close At Home mortgage kit. This refinanced mortgage with my name attached was paid off on XX/XX/XXXX, when former husband refinanced and retained possession during divorce, thus eliminating my name from property as per mutual consent. 

In reviewing documents on county clerks website, the refinanced documents have an unknown account number, indicating a new mortgage versus a refinance. Further, I am unsure of the validity of ANY of these documents. County Clerks only record. They do not verify authenticity. I need verification of documents, to confirm validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXX XXXX XXXX XXXX, Account number : XXXX has violated my rights. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account high balance nor do I recognize the late payments associated with it. Everything reported here does not meet the FCRA. 

15 USC 1681 Section 602 A : States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written permission.

15 USC 1681S-2 ( A ) ( 1 ) : States 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.

15 USC 1681C ( A ) ( 4 ) : States that no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.