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

I received 2 letters from Wells Fargo dated XX/XX/XXXX stating that I was enrolled in the Identity Theft Protection -Affinion product and to contact them if the enrollment wasnt authorized by me. I called them on XX/XX/XXXX to say I had not authorized the enrollment. There were two separate enrollments at two different times. The representative said that a check in the amount of {$3100.00} and another check in the amount of {$62.00} would be sent and to call them if I hadnt received the checks in 30 days. XX/XX/XXXX, I called to say I hadnt received the checks. They said the checks had been processed on XX/XX/XXXX and to call if I hadnt received them in 30 days from that date. So I called again and spoke with multiple people. They now say that the checks are being processed but they dont know when the checks will be generated or when Ill receive them. There have been multiple conversations totalling hours on the phone. Initially, it would be 30 days to receive the checks. Now they have no idea when Ill receive them.
Product: Mortgage

My mortgage servicer, PNC Mortgage, sent me a series of letters notifying me that my flood insurance coverage was inadequate. Dating back to XX/XX/2015, I have called PNC XXXX times to straighten this issue out. I have had my agent, XXXX, arrange to send flood declaration pages at least XXXX times, ( dating back to XXXX XXXX, 2015 ) showing adequate coverage, which must be at least as much as my home owner 's coverage ( see attached documentation ). During the XXXX phone call ( XX/XX/2015 ), I was assured the problem would be taken care of and, I was promised a return call to let me know that the issue was resolved. I did n't receive a phone call, and instead on XXXX XXXX, PNC charged me {$140.00} for gap insurance that I do n't need. The only notification I received was a copy of the force-place policy in the mail.
Product: Checking or savings account

On XX/XX/2025, Square Inc closed my business account without providing adequate reasoning. They are currently holding my funds in my savings account totaling {$2000.00}. I have reached out to them several times, in many ways and the response remains the same. The funds that they are currently holding were all the funds that my business had to operate with. I've pleaded with them to release these funds, but I was denied. I find it very unethical and a bit sketchy that they would offer me a loan for {$1100.00}, deny my application for said offer, and then close my account. This is the first time that I have ever used this account to save this much money.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX # XXXX, & XXXX XXXX XXXX # 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

Dispute for charges in the amounts of {$880.00} XXXX on XX/XX/XXXX for 3 airplane tickets. I had bought tickets for XXXX XXXX from XXXX XXXX XX/XX/XXXX to XXXX XXXX but on the day of the flight in XX/XX/XXXX I called XXXX XXXX to get my tickets and they said they were never printed. The only way for me to go on my trip was to purchase the tickets again via XXXX  which I did for an additional XXXX XXXX. When I contacted XXXX asking for a refund, as I never received tickets, they hung up on me twice. Since I couldn't get through to the vendor, I asked my credit card company, Discover, but their policy states they can't do anything about it if the dates of purchase and amounts are different. Which makes no sense whatsoever to me. I bought tickets with XXXX, they never gave me the product that I had paid for and when asking for a refund they hang up and ignore me.
Product: Payday loan, title loan, or personal loan

On Wednesday, XX/XX/2020, I asked for an advance of {$1000.00} from PayPal. com online to come from my PayPal Credit out of money they stated that I had available for a short term loan. Just recently I had borrowed to pay for eye glasses - 2 pairs for a prescription. The money was advanced to me and I paid off the loan ahead of time. 

PayPal told me on Wednesday, XX/XX/2020, that I had a {$1000.00} going to my wife 's account to pay for services on her account and PayPal told me that the {$1000.00} was advanced from my PayPal Credit line but then it was held back as a Pending Payment situation - with NO explanation or a payment that was supposed to be immediate. 

This was on Wednesday that the amount of {$1000.00} was supposed to be advanced to me today, Thursday, XX/XX/2020. The amount is still pending so my wife is forced to get money from a XXXX bank account to pay the transaction at a price in excess of XXXX percent exchange rate between XXXX to XXXX dollars! 

That is extremely costly for her to complete that transaction and PayPal gave us false information that the money would be advanced from my PayPal Credit account to her bank account to save her over {$300.00} to transfer {$1000.00} from XXXX to XXXX. This is totally ridiculous on the part of PayPal.
Product: Credit card or prepaid card

I opened a Wells Fargo business credit card online in XXXX. Their credit card has 1.5 % cash back in every transaction. I spent XXXX on the credit card I should get XXXX dollars cash back but I didnt get any of it. I called Wellsfargo customer service many times. They said I didnt enrolled it. Its too late. What? 
This is the first time I heard that I should enroll the cash back by myself manually after I got approved on their credit card without any notice or call me let me know. So I called them they just declined it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

To whom it may concern, back in XXXX there was identity theft on my account. I spoke to TD Bank about it and they were going to remove the 2 inquires. It's been a while its not XX/XX/XXXX and these things still show up. Under the fair credit reporting act 609? Shouldn't these be off? again I never authorized this. They removed from XXXX  just not XXXX. I will show u that that they are not on XXXX. thank you
Product: Vehicle loan or lease

On XX/XX/2018 i called XXXX XXXX XXXX in regards to sending me a letter stating that they sold the account to another lender. The rep from Exeter Finance stated that she could not send me this information and stated that the account is no longer with them, but was sold to XXXX XXXX XXXX and she presented me with the number to call them. I contacted the company XXXX XXXX XXXX on XXXX XXXX requesting for a physical address for the company and the rep stated that she could not give out that information to me. Then i proceed to give the rep the account number that is on my credit reports to see if XXXX XXXX Funds have that account number along with my name/ssn. The rep stated that they do not have anything in their office with that account number, social security number, address or my name. Rep called me back on the same day after speaking with her supervisor stating another company XXXX XXXX has the account and she presented me with the company number. I then contacted XXXX XXXX asking rep about this account, and rep stated that their company doesn't have any information with my name or social security number in their office. XXXX XXXX XXXX sold the account to XXXX XXXX XXXX, which is stated on all three credit bureau reports and stated Paid In Full.This has affected me physically, mentally, and emotionally along with severe health problem. 
I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX or XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Product: Consumer Loan

Once again I am providing the proof that item for case number XXXX has been shipped to address you provided to me and TOLD me to send package to. Please issue my refund of {$1400.00} immediately as I 've followed your rules and have done everything you have asked of me. I 've been told several times that I would have my refund within 72 hours and it has been over 11 days now. I 've filed a complaint with the bbb and cfpb since my refund has yet to be issued as promised by PayPal several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX,
Product: Debt collection

Hello. My name is XXXX XXXX and this is my first attempt through CFPB to correct inaccurate reporting to the three major credit bureaus ( XXXX XXXX an XXXX ) citing USCB as the collector on behalf of XXXX XXXX after contacting a USCB representative regarding a collection account in the amount of {$100.00} populated on my XXXX credit report. This account appeared on my credit report XXXX XXXX This is very unusual as I have been insured with XXXX since XXXX and have never even had an outstanding balance or been made aware of any outstanding charges or missed payments verbally, by phone/text message, email or in writing by a mailed letter. I have no record of any outstanding balances and believe my personal information to have been compromised. My report shows Account # XXXX with the balance of {$100.00} After speaking with the representative assigned to me, she was able to provide the following account numbers and amounts as well : Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX with balances as small as {$7.00} up to the {$100.00} cited on Acct # XXXX. I do not know how this happened but this debt does not belong to me and should also be removed from all three bureaus. I look forward to hearing back soon with any further instructions to correct this issue. Thank you for your time.
Product: Debt collection

debt collector ( XXXX XXXX ) violates the FDCPA by falsifying and reopening the collection account of {$1100.00} which was first reported on XX/XX/XXXX with a new open dateXX/XX/XXXX which  made it to look fairly new account resulting in further hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX  Name : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. 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 an account without my written instructions. 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

Equifax ; XXXX and XXXX  are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XX/XX/XXXX payment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Product: Debt collection

I have contacted Portfolio Recovery directly and through the credit bureau 's as well. I have asked this collection company to remove this false negative account from my credit file and or show just cause of any accuracy for reporting. To this date I have yet seen any documentation bearing my signature and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this negative information be removed from my credit file immediately as this is hurting my credit worthiness. 


I have maintained copies of these notarized letters and dates. 

Thank you for your help.
Product: Student loan

I currently have XXXX separate loans with Navient. XXXX out of the XXXX loans have a 6.75 % interest rate. The other loan has a 13.375 % interest rate. When I inquired as to why there was such a difference in interest rates, I was told they were different types of loans. I did not receive a solidified answer and was told they would submit a request to look into it. 
My second issue is that my statements are not reflective of my applied payments. Again, when inquiring why my statements were not reflective of payments made, I could not receive a clear answer. 
As a borrower, I have rights to know where my money is going, how it is being applied, and how the interest rates are calculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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 XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about the dates XXXX, and XX/XX/2022 as shown on my Transunion, XXXX, and XXXX credit file, XXXX XXXXXXXX XXXX XXXX has supplied late payments . 15 USC 1666 B clearly states : " A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as late for ANY REASON. 
Furthermore, 15 USC 1681 Section 602 states : I have a right to privacy. FCRA 15 USC1681 Section 604 A that my written permission is needed to furnish any items on my credit report ( s ). So therefore, XXXX XXXXXXXX XXXX XXXX has violated my rights and furnished damaging illegal entries to my credit file, at which prevents me from simply living my life and causes me great stress. Also during this same time frame of late payments i was seriously impacted by Covid-19, so I would also like to enforce my full rights as it applies to this matter under the CaresAct.
Product: Student loan

I have been unable to work ( XXXX ) for over 5 years. Over a year ago, Navient began to refuse to work with me on any options for loan repayment/forgiveness. I was forced to go into an income-based repayment plan based on my new husband 's income ( poverty-level ). During the time I was in contact with them ( repeatedly ) to avoid default. During that time, they placed a {$150.00} late fee on me. I have been unable to pay that fee. Due to the way this fee was applied, my loan balance is now over {$11000.00} more than the original balance after a year of repayment. Essentially, they have given me an illegal {$11000.00} late payment fee. I have now absolutely no way to repay my loan over my lifetime.
Product: Credit card or prepaid card

Around XX/XX/XXXX, I was issued a secured credit card with Citibank with a deposit given of {$2500.00}. 

On XX/XX/XXXX, Citibank closed my account without any warning whatever. They refused to give me any information why they closed the account. 

After the closing of the account, I made 5 requests that Citibank refund my {$2500.00} security deposit. They told me that it would take time to process the request. I was further told to call back.

Finally, on the 5th phone call, Citibank told me that they issued the check and mailed the refund on XX/XX/XXXX. I waited until XX/XX/XXXX and still no check. I then called to follow up and Citibank, who changed their story and said the check was mailed on XX/XX/XXXX in contradiction to their prior statement. 

I asked to see a copy of the check showing the date and/or a mailing confirmation and Citibank refused. They said they could not send any confirmation of either the check or the date they allegedly mailed the check. 

I spoke with Employee ID XXXX. To date, I have no refund check.
Product: Checking or savings account

I had around {$430.00} in XX/XX/year> in my chime checking account and they stated that there was fraudulent activity in my account and there never was any fraudulent activity. I have been fighting for these funds since last year and they even stopped responding to my calls amd my emails.
Product: Prepaid card

I called to ask for support in adding my prepaid card to a digital wallet. In this case XXXXXXXX XXXX  I got on the phone with a representative and they walked me through adding the card to XXXXXXXX XXXX The card was unable to be added to XXXXXXXX XXXX  and I was put on hold. 17 minutes later the representative came back and told me to either " Use a different wallet or phone. '' Leaving my concerns unsolved.
Product: Credit reporting or other personal consumer reports

I have disputed this account twice saying that I have paid this off. They responded by saying it was sold in XXXX but I paid this account off in XX/XX/XXXX. Its reporting as a Charge-Off.
Product: Credit reporting or other personal consumer reports

Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I wrote to the company : My information may have been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily CLOSED my Santander Bank account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a address in XXXX for me on my report. I never lived in XXXX, or had a PO box in XXXX. I lived in Minnesota all my life.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 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 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. Please remove the following accounts : XXXX XXXX