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

Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessen my chances of being approved for a home loan when it wasn't me. Reporting these false things is very misleading. You are in violation because you di nit witness me sign for these inquiries or accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNT IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/2020 XXXX. XXXX
Product: Credit card

Bank of America lied to me about the interest rate on my credit card. I was told that the go to rate on my card would be XXXX instead it went to 22 % interest. They stated it was because of how I accessed the cash with a convenience check instead of doing it online or over the phone even though when I made the advance I was told it go to the purchase APR and not the cash advance APR.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 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. This company Equifax after requesting a investigation of the accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and dont conduct the proper investigation and violating my rights and be negligent in this matter
Product: Student loan

When I got into XXXX school my loans went into deferment, I have tried to make payments but have not been able to. I contacted them about getting my loans off of deferment but received an email that did not address my concern. Specifically, the email I received said my request for lower payments was denied, that 's not what I inquired about.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$340.00}.
Product: Mortgage

My mortgage was discharged in a chapter XXXX Bankruptcy.I have 2 specific issues 1-PNC sent collection letters after the discharge of the debt.I am attaching collection letters fromXX/XX/XXXX andXX/XX/XXXX ( pages marked 1 and 2 of attachment ) the .They are saying the payment is " past due '' and that they " may report information about this account to the credit bureaus '' they threaten that " this default may be reflected in your credit report.They have a right to enforce their security intrest and nothing more. '' They cant do any of this as the debt was discharged in Bankruptcy and they are violating the bankruptcy injunction and the Fair Debt Collection Practices Act repetitively.

This also violated the CFPB directive on unfair and deceptive practices.Page 6 of the attachment section 209 CMR 18.16 number 5 states that '' the threat to take any action that can not legally be taken '' is a violation. They cant report this to the credit bureau, nor did they intend to but they did threaten to do it.

2-PNC sent an illegal cure notice. ( page 7 ) this default notice gives a 30 day notice and was sent regular mail.Each of these are in violation of Massachusetts General law.Please see page 3 and 4 outlining requirements for default notification for " certain mortgage loans '' and this loan having been an interest only loan for 10 years is a " certain mortgage loan '' The cure notice has to be 90 days from the default and cant be delivered regular mail.

There are many, many more violations of the FDCPA by PNC, they are especially sloppy when it comes to dealing with bankruptcies in loss mitigationThey do what they want without regard to CFPB regulations or collection laws..
Product: Debt collection

In XXXX, I contacted the collections agency to find out if I could settle on a debt. The representative told me that if I pay {$170.00} out of the {$270.00}, the debt would be considered paid in full, settled and the credit bureaus would be updated of the new status. However, after checking my credit report, I see there is still {$76.00} on the credit file at the bureaus. Apparently, the collections agency only reported that I paid {$170.00}. The agency never followed up with doing what I was told would happen and that would be to report to the credit bureaus that the debt is paid in full. Additionally, the representative at the collections agency said that the only option to pay was by giving my bank routing and account numbers and that paying with a debit card is not an option. I truly believe that this was intentional, because they knew disputing the bank, after finding out I was deceived would be hard. Whereas, if I paid by debit, this transaction would be disputable to the bank, when I found out the agency would/did not report to the bureaus that the debt is paid off. Even more, the representative told me that I would receive correspondence by mail that outlines that after paying the {$170.00} that the debt would be settled and paid off fully. However, I never received anything in the mail.
Product: Payday loan, title loan, or personal loan

Huntington Bank created a new overdraft protection in XXXX called XXXX XXXX. This was heavily marketed to me on the mobile app and email. I applied and was given a person line of credit for the XXXX XXXX of {$1000.00} in XX/XX/XXXX. 
In XX/XX/XXXX Huntington updated their terms stating ; " Line amount and ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts on any of your Huntington deposit accounts. '' I was informed that do to either my average daily balance or my deposits decreasing that my credit limit would be lowered unless i deposited more money. Customer Service could not tell me where the decrease was because my deposits had not changed nor had my average daily balance gone below where it was when I signed up. In XX/XX/XXXX my credit limit was lowered to {$750.00} and my credit report took an XXXX point loss because the lender decreased my credit limit. 
I have not had any balance on the XXXX XXXX and do not understand why they lowered the limit and impacted my credit score because I am not putting more money into my account.
Product: Credit reporting or other personal consumer reports

I have tried for over a year now to get my credit report from Equifax. I have tried numerous times on XXXX and they still denied me numerous times. I had no problem getting my credit reports from, XXXX and XXXX on XXXX. but Equifax is the only credit reporting agency that will not let me. I followed the process of trying to get it perfectly. But Equifax still denies me. Something needs to be done about this., Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute and demand for immediate corrective action regarding the unauthorized and fraudulent accounts and inquiries appearing on my consumer credit report, which are a direct result of Experians data breach and failure to safeguard consumer information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This breach, coupled with Experians failure to conduct a reasonable reinvestigation upon dispute and its unlawful furnishing of my personal information to third parties without my consent, constitutes multiple violations of 15 U.S.C. 1681 and 15 U.S.C. 1611 ( 1 ).
Product: Debt collection

Recieved a letter from Unifin Inc. on behalf of XXXX XXXX XXXX XXXX in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation  and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from XX/XX/XXXX-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request 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. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00}
Product: Credit card or prepaid card

We signed up Bank of America credit card auto pay program over a year ago online. The web pages shows " Amount due '' and we did not do anything. It went well as our amount due was always paid automatically with a draw from our bank, XXXXXXXX XXXX, account ( see attachment BA 6.17 ). However, we were charged an interest of {$31.00} in the XXXX 2020 statement. We realized the issue and called Bank and was told that only minimum payment was paid. We complained that we did not change anything and why the system collected only minimum payment. The lady said she could not do anything. We called a second time and told them we would cancel the card if the problem was not resolved soon. The lady said she would file a complaint and reply us in a few days. We never got a reply. We were again charged interest the following month for {$17.00}. We called the bank again and this time a lady said she would cancel the {$17.00} interest but she could not do anything about the {$31.00} but she would file a complaint and we should hear back in three days. We never heard back. We complaint that it was the error in the bank 's system that caused the interest. We never select pay minimum payment. We did not even know that was an option until the bank told us. So we are not responsible for the interest {$31.00} occurred.
Product: Other financial service

XXXX XXXX at XXXX offered to help to improve my credit score by having his company cancel some of the negative items, and mostly apply a Tradeline. He explained that his company would have obtained from a bank or financial institution a so-called Tradeline, equivalent to a credit line for XXXX $ which would have post on my credit and would have significantly improve my debt-credit ratio with credit bureaus boosting my credit score. Such Tradeline cost was XXXX , only for the Tradeline. After months of several follow ups and no signs of such Tradelane nowhere, no improvements in my credit score, to the contrary a decrease without any negative actions from my side that may have caused that, or receiving official document proving such tradeline posted on my account for XXXX $ I asked refund. He emailed saying his company policy states 'no refunds ' and admitting several times he had a delay and he even offered to raise the amount of such credit line if it would not being posted in the following 30 days. All in writing. He of course never delivered what he promised and he disappeared. I think we have here several grounds for a financial fraud. I have in my possession several written communication proving all that. I wish to have full refund of my XXXX $ ( XXXX $ were discounted and paid to my boyfriend as referral fee ), and make sure that no other consumers will be duped by this individual. Please look at the attachments where my boyfriend is trying to have proof for the service paid XXXX . XXXX XXXX, the company owner sent a cropped photo ( see attached ) presumably of a fake credit card opened in my name retroactively in 1998. I have also more contracts and written proofs if necessary.
Product: Checking or savings account

pentgon federal credit union has sent an account to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX md XXXX stating I owe {$14000.00} i never opened this account, i have never banked with pentagon federal credit union. my wife does, but this account was opened and now showing a debt of {$14000.00} this is fraud. i have filled out the packet for fraud with XXXX XXXX and notarized and sent the information back to them to remove this from my credit profile. This is now pending.
Product: Debt collection

Exeter Finance LLC Acct # XXXX Debt not owed never late requested for it to be corrected or removed. 

NO response from Creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection is late by default and therefore can not report a late payment. Prof Debt made multiple inaccuracies and XXXX hasnt taken the account off due to violation of my consumer rights. Instead, XXXX updated my account without doing a complete investigation. Prof Debt continues to make inaccuracies despite XXXX  updating the report. I made multiple disputes attempts even with proof of violation from Prof Debt and XXXX.
Product: Checking or savings account

Subject : Request for Assistance with Fraudulent Activity and Unresolved Dispute with Wells Fargo Dear Consumer Financial Protection Bureau, I am writing to seek assistance regarding an unresolved issue with Wells Fargo Bank concerning fraudulent transactions on our business account. 

On XX/XX/year>, my brother and I opened a business account with Wells Fargo. Unfortunately, we never received our business debit cards. On XX/XX/year>, we were alerted to fraudulent activity on the account. I immediately visited the XXXX XXXX XXXX Wells Fargo branch to file a complaint. During my visit, I was assured by the bank that the amount of {$3100.00} for my portion and {$3100.00} for my brothers portion would not go through and that the funds would be returned to the account. 

However, after multiple phone calls, office visits, and several days of waiting, I was informed by the Fraud Department that they had completed their investigation and concluded that no fraud occurred and no mistake was made on their part. Despite my repeated requests, I have not received any clear documentation from Wells Fargo that explains the decision in full or provides sufficient details on why they declined to return our money. 

This situation remains unresolved, and we are facing significant financial hardship due to the banks refusal to reverse the charges. As this issue appears to be a result of an internal mistake or negligence by Wells Fargo, I am requesting the CFPBs assistance in helping us resolve this matter and recover the funds that were wrongfully taken. 

Thank you for your attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I the consumer comes with clean hands and good faith, I received a letter from Convergent Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The company has two different accounts numbers on this tept to collect a debt notice, Amount said I owe XXXX dollars.Stating they are a debt collector, Trying to collect a debt from me i owe XXXX XXXX, I've never heard of this company until now, I have heard of XXXX XXXX and paid XXXX XXXX  and XXXX XXXX for many long years without consciously knowing, I a natural living person was volunteering paying a bill/debt that was already prepaid according to UCC-9-307 ) location of the debtor also ( 18 USC-8 ) 31-USC 3123 ) states the United States government pledged to pay debts, therefore the consumer can discharge/offset debt and it doesn't have to be paid in legal tender see 31 USC 5118 ) There is no Lawful money, only dept notes therefore I can't pay debt with a debt. I, the consumer didn't give any debt collector permission of a court of competent 15-USC 1692- A-P ) THEREFORE I ask the dept collector mention above closed this debt in good standing with a positive balances on all three credit reporting agencies and any other credit reporting agencies, UCC 3-605 ) It's unlawful to demand payments. Banking act 1933.
Product: Credit card

I tried to close my Wells Fargo personal credit card for months. I went into the bank several times -- each time having scheduled an appointment -- to request that the card be closed. This did not work, they didn't close the account. On at least one occasion, possibly two, they told me that they couldn't do this at the bank, that I would have to call a number to close the card. I tried this as well. 

Dates of visits : I had appointments in the bank on XX/XX/XXXX, again in XX/XX/XXXX ( don't remember exact date ) and then again on XX/XX/XXXX. These were booked in person appointments and were at the branch : XXXX XXXX XXXX XXXXXXXX XXXX CA. XXXX. I also have easily made a dozen phone calls. 

I later learned that despite my clear instructions to Wells Fargo to close my credit card account, due to various subscription services I had linked to the credit card, the card continued to remain open. I didn't understand this. I made efforts to work with the various subscriptions I had ( XXXX  XXXX, XXXX ) to move them to other accounts, but I missed one. I believed that since I had closed the account ( which I thought I had ) that all was well. Unbeknownst to me, a lingering charge of {$21.00} remained on the card. They kept the card open long enough for this {$21.00} to be past due over XXXX days and then Wells Fargo closed the account. I tried again through calls and going into the bank to correct this, and I paid the last balance, but they still reported to the credit bureau that THEY, WELLS FARGO, closed the account, not me, despite the fact that I had proactively been trying to close it for months on my own. They just refused to help me do it and then closed it on me. So frustrating. And wrong. And now my credit is taking a hit for it. I spent hours trying to sort this, phone calls, visits to the bank, and they just -- due to their incompetence and bureaucracy -- wouldn't help me. 

As noted, I had appointments in the bank on XX/XX/XXXX, again in XX/XX/XXXX ( don't remember exact date ) and then again on XX/XX/XXXX. I have made dozens of calls over the months and have spoken with XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, just to name a few ( there are more ). Wells Fargo closed my account and damaged my credit over a {$21.00} unpaid balance that I simply wasn't aware of because I thought the account was closed. How is it that one can spend this amount of effort to close an account and then get bitten in the back over {$21.00}?