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

I made a purchase through Kohls.com on XX/XX/XXXX for {$88.00}. I made purchases in the store on XX/XX/XXXX and XX/XX/XXXX for {$34.00} and {$11.00}. Apparently my due date was XX/XX/XXXX but I never received a statement notifying me I had a balance. I also did not receive an email, phone call or any other correspondence that my payment had not been made. On XX/XX/XXXX I was charged a {$27.00} late fee and on XX/XX/XXXX I was changed a $ {$38.00} late fee. It wasn't until XX/XX/XXXX that I received a notice by mail that they had not received the amount due so I called and discovered I had a balance due on XX/XX/XXXX. I explained I have several credit cards and rely on a statement to know when I have a balance and when it is due. I was told I should know it's due the 7th of each month. The representative agreed to credit the late fees and I paid the balance immediately while on the phone but the late payment information was submitted to the credit agencies. My credit record shows I always pay my bills on time when I'm aware I have a bill. My credit score went from XXXX to XXXX. I have since cancelled my Kohls credit card that I obtained in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX 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 an account without my written instructions
Product: Student loan

I attended XXXX XXXX XXXX and the school fraudulently mislead students and the school went bankrupt and I know that some students got loan forgiveness but I attended before that date of forgiveness and i wanted to know what if anything can I do to also get my loan forgiveness
Product: Money transfer, virtual currency, or money service

I have had several issues with using Zelle with my financial institution ( FNBT/FCB ). When I first started to use the XXXX option in XXXX, it was free to send and receive funds. Somehow, over time I was charged a {$1.00} fee per every and any transaction. This amount can be reflected in my bank statements from XXXX and previous years. This charge has made it extremely hard to pay direct amounts due to the hidden service fees. I have also had money accidentally sent to the wrong person in the amount of {$250.00} and was unable to have the charge reversed. Zelle has been very discouraging as I have vowed to no longer send or receive any funds using this method. Unfortunately it is the only option that my bank offers to send and transfer money without having to send it through the account and routing numbers.
Product: Credit card

Today Wells Fargo emailed to inform me that my dispute filed on XX/XX/XXXX, was closed. 

According to Wells Fargo : " Visa requires specific information from the cardholder in order for the bank to file a dispute. Since the requirements to file a dispute have not been met, we have no recourse but to close the dispute at this time. '' Wells Fargo did not reach out to inform me what specific information was required to process my dispute before closing it. 

I am pasting below the content of my XX/XX/XXXX email to Wells Fargo. The actual email chain and the referenced emails, are attached along with my XX/XX/XXXX email to Wells Fargo. 

Good afternoon. 

I received the email below from Wells Fargo informing me that you have been unable to reach me by phone or email about dispute XXXX. The last email I received from Wells Fargo was on XX/XX/XXXX, and I followed the instructions in that email by emailing XXXX the same day. I did not receive any further communication from Wells Fargo, not by email and not by phone ; I do not know why the email below stated that Wells Fargo had been unable to reach me. 

Is there any information necessary for my dispute for items/services not received that I have not provided? 

If so, please let me know by email ( XXXX ) so that I have records of this. Upon receiving your request for further information, I will provide it as soon as possible. 

Please note there was no address listed on the invoice associated with this transaction, but if you require an address for the delivery of items/services not received, please use the below : XXXX XXXX XXXX, XXXX, VA XXXX XXXX 

Thank you again for your help. 

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

I monitor my credit report using XXXX XXXX and XXXX. When I checked my credit score on XX/XX/XXXX, my credit score had dropped 59 points on XXXX XXXX. I understand that XXXX XXXX  is a third-party, so I checked my Equifax report through Equifax.com. They showed a drop of 56 points. The accounts that are reporting on my credit report have been reporting. The negative and positive ones. According to XXXX XXXX the only change that had taken place was that my credit card balances were paid down and that a negative account was removed from my credit report. This was the same on Equifax.com. Therefore, two positive occurrences happen yet my credit score dropped tremendously. Again today XX/XX/XXXX, I check my credit score I did open a new account Equifax dropped my credit score 39 points for the new account. XXXX I lost three points for the new account. And XXXX I lost 11 points for the new account. But Equifax dropped 39 points for the new account. That coupled with the 59 points that they dropped me for the positive changes on my credit report, has dropped my credit report to XXXX with Equifax when everyone else is at XXXX. I did call to speak to Equifax I did ask that an investigation into this matter be open I was denied the manager I was denied the investigation and the representative stated that a negative Point drop when two positive actions have taken place Justified a 60-point drop at that time. And now a new account has dropped me 40 points. There is clearly a problem in the Equifax system here that they need to address. I also find it completely funny that you're speaking to someone who is not from the United States about your credit reporting for the United States and they have no idea what credit is because they don't have it in their own country. This needs to be investigated and resolved immediately. Equifax can not do this to people I am working on trying to purchase a home and I understand that we rely solely on technology. But no additional negative accounts, and a negative account being removed, paying down two credit card balances to less than 1 %, and opening an account does not constitute a 100-point drop on your credit score. I would like this matter investigated and resolved. I issued a complaint and it was closed saying to call them about incorrect information on my report. THAT IS NOT THE ISSUE THE ISSUE IS EQUIFAX IS IMPROPERLY REPORTING AND SUBJECTING MY SCORE TO INVALID POINT DROPS WITH NO EXPLANATION. OR THE EXPLANATION IS A NEGATIVE ACCOUNT REMOVAL AND PAYING DOWN CREDIT BALANCES RESULTS IN A NEGATIVE POINT DROP!! THEY NEED TO FIX THIS NOW. I have called several times to no avail. If it can not be resolved this time I will be taking further action!!
Product: Credit card or prepaid card

The card is working for deposits to the account, but not for expenditures. The card has over {$4000.00} on it now, but I can not buy anything with it or take money out online or in person. There is no way to contact customer service. The contact numbers are U.S. : XXXX and International : XXXX. When I call these numbers I just get an error message or hangup. I have called dozens of times over several weeks. 

When I go to my online account, there is no option to email or chat for help with my account. There are no notifications of any problems with the account on the online account. I receive regular emails from the credit card company about my account, but there have been no notices about any problems with the account or the card. The emails do not allow me to reply to them.
Product: Debt collection

I sent a debt collection verification letter to Portfolios office on XX/XX/year>, as per my rights under the Fair Debt Collection Practices Act. In that letter, I requested verification of the debt, including proof of ownership and a copy of the identification used to incur this debt. As of today, I have not received any documentation or sufficient verification of the debt they claim I owe. Under the Fair Debt Collection Practices Act, I am entitled to request and receive verification of any debt being collected against me. To date, they have failed to provide this verification. Therefore, I request that they remove all files reported concerning the debt. Below is what I requested : 1. A detailed breakdown of the debt, including dates and amounts. 2. Proof that I own the debt or legal authority to collect on it. 3. A copy of the identification that was used to create this debt. I ask that they remove this debt from my records and cease any further collection attempts against me. Thank you for your attention to this matter XXXX {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Mortgage

I have evidence that someone use my credit and personnel information to buy a home, car and other items show up on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, reported XX/XX/2020 XX/XX/2020 XX/XX/2020 as late payments after they told me my act would be protected from being reported late during that time period due to the coronavirus pandemic and me losing my job due to the pandemic
Product: Credit reporting or other personal consumer reports

I have a debt consoldation working on some of my accounts. There has been 3rd party collection on my credit. There is also old information on my report keeping my credit score way down. I also would like to know if XX/XX/XXXXused my info wrong and im on the lawsuit? 
Also i would like to know if im on the list for experian,XX/XX/XXXX and the other credit reporting agency i just cant think of it right now
Product: Credit reporting or other personal consumer reports

This company has violated my right to privacy and has unlawfully reported inaccurate information to the credit reporting agencies. When a creditor forgives or writes off a debt of {$600.00} or more, they are required to report this amount to the IRS using Form 1099-C ( Cancellation of Debt ), and they must also provide a copy of this form to the debtor. The debtor is then required to include this amount as income when filing their tax return. In which I have not received a copy of.

26 U.S.C. 61 ( a ) : This section defines " gross income '' as " all income from whatever source derived, '' which includes income from the discharge of indebtedness ( i.e., when a debt is forgiven or canceled. Income can not be reported on a credit report.

o Section 602 ( a ) of the FCRA ( 15 U.S.C. 1681 ) prohibits furnishing inaccurate information to consumer reporting agencies o Section 604 ( a ) of the FCRA ( 15 U.S.C. 1681b ) states that a consumer reporting agency can not furnish information about an account without the consumers written instructions o According to 15 U.S.C. 1692c, a debt collector may not communicate with any person other than the consumer ( or their attorney ) regarding a debt without prior consent from the consumer or express permission from a court o Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing within 30 days of the initial communication, the debt collector must cease all collection activities until they obtain verification of the debt and provide it to the consumer.

This company refuses to validate any information requested. I recently reported this company they responded informing me that they sold my information to another company. Therefore I am demanding that Immediate Deletion of this account from all consumer reporting agencies and the Cessation of Any Negative Reporting related to this account, including the removal of any adverse information that has been reported.
Product: Debt collection

A company by the name of Perfection Collection is claiming that I owe them {$780.00} from XX/XX/XXXX. I haven't had anything negative on my credit in many yrs. I wasnt sure what it was but upon further investigation it's an unpaid XXXX  debt from XX/XX/XXXXfrom when my alarm wasn't working. It shouldn't say XX/XX/XXXX. And I challenged it with XXXX XXXX of the situation. But the date is not my complaint its the amount of the debt and how this company lies and bullies consumers to get them to pay. The way they scheme is very dishonest. They added {$600.00} to the debt. The XXXX   balance was {$180.00}. I have documentation proving it. I even called XXXX to verify the write-off amount of {$180.00}. I then called Perfection again to confront them and they lied to me. They stated they didnt add anything towards the debt that they purchased from XXXX. So she was basically blaming them. But once I brought up that I already spoken to them she changed her tune. At one point she claimed I spoke to the wrong XXXX dept. But I actually had called them twice to verify the amount before calling Perfection back. Now Perfection Collection LLC is saying in my original contract with XXXX  it states due to nonpayment they can automatically add 12 more months of payments onto the outstanding balance if they want. Which is a lie bc I read the contract. It's also against the law to lie to me and to change the debt amount. I know it's a made up amount bc  I was paying {$39.00}. Which x12=XXXX. I was locked in on an old rate. The regular rate is XXXX so times that by 12 and it equals {$600.00}. So that proves they added this to the debt and I bet they do it all the time to other people. They will not work with me at all and just constntly cuss me out. The XXXX  Report Number I filed to dispute is XXXX The Date it was generated was XX/XX/XXXX. Please help me with these crooks. Thanks. 
Their address is Perfection Collection XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX, UT XXXX
Product: Credit reporting or other personal consumer reports

Equifax will not comply with fcra guidelines Im attaching a report with accounts that should not be on my credit anymore due to identity theft I filed many claims I have also provided a police report many times
Product: Debt collection

Portfolio Recovery at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$280.00}. It is reporting as past due. I do not know this company nor have I ever done business with them. This company does not have a contract with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$620.00}.
Product: Student loan

For Heartland ECSI, their payment handling systems add fees that are nonsensical. I went to pay off the last ~ {$60.00} of my loan, and was almost hit with a {$3.00} fee for paying from my bank account. 
Upon further review, they waive fees for recurring payments, but not for one-time payments ( even if to pay off the entire balance ). This is very frustrating & predatory.
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. In the case that you choose not to remove the items listed underneath, which are providing false answers due to fraud, I will provide my lawyer access to my archives so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received a card from this company in the mail today that I did not apply for. There is already a freeze on my account so I am unsure how they were able to open a card in my name.
Product: Checking or savings account

This is a continuation of complaint number XXXX and XXXX. In XXXX of 2021 I received a check from my insurance copmany and deposited it into my bank account with Capital One. A few days later they contacted me and told me they were going to hold the funds for 30 days. I waited until after the 30 days and contacted them again and they said now they had new requirements to release the funds they would need a hold harmless in order to release the funds. I have been back and forth with XXXX and Capital one several times trying to get this resolved. After the last complaint I was given a number to call to speak with someone directly but have left multiple messages at that number and recieved only one call back ( I did miss that call ). After pleading with insurance company they finally provided me with a Hold Harmless letter which I am including in the complaint. Obviously I'm very frustrated at this point, I have tried calling the bank to ask where to send this letter but get put on hold for very long times and end up having to end the call because I can not wait on hold for 45 mins +. This seems to be the only venue where I get responses to my issues. I did get someone on the phone today who provided an e-mail to send the letter to and while they were very professional they could not provide me with a timeframe or a number to call to check on the progress of this.
Product: Vehicle loan or lease

I went to purchase a used car from XXXX XXXX on Saturday XX/XX/2021 they told XXXX dollars down and then a couples of hours later they told me XXXX down after I left from the dealership and then told me, I have to bring it by XX/XX/XXXX XXXX or they will take the car back so I said ok. On Monday after the deal from Saturday they ask me bank statements and I gave them that and then Thursday XX/XX/XXXX they called me saying the bank global lending said I fraud check stubs I ask them for the bank name to verify that they told me no and wouldn't tell me who they spoke with. So i requested to speak with XXXX XXXX the sales man the manager told me he quit and no longer works there so I called my mom to get his sale phone number and i called XXXX and he said he didnt quit he is off and coming back to work Friday morning. The manager XXXX kept calling my phone threatening me saying bring back the car and I not getting my deposit back anyway. And that the police is waiting I get there no police is there. My mother came there and he told her I have nothing to say he wouldn't even talk to her or give her my paper and then said my daughter didn't have any paper work on file. These pp. steal pp. money i am XXXX XXXX XXXX and in college to be getting taking advantage. And It is not right and this hurts.
Product: Credit reporting or other personal consumer reports

There are multiple accounts that are a result of identity theft on all XXXX bureaus that Ive reported to the police multiple times. Per FCRA 605B, I request its immediate removal from my credit report. I have provided the necessary identity theft report for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection, charge-off, and late payment accounts. No changes were made. Below are the inaccurate accounts from my credit report : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Wells Fargo added " late charges '' to our consumer credit account for several months after the account was paid on time and one month ahead of schedule. This negatively affected our credit rating until we were forced to negotiate a settlement with them. Although they reported the account paid in full, they did not keep their agreement to remove the negative credit information.
Product: Checking or savings account

On XX/XX/XXXX, I transferred XXXX to my Business checking account ending in XXXX, and on XX/XX/XXXX, the deposit was reflected in that account but then I was charged {$170.00} in over draft fees on XX/XX/XXXX. Their app instructed me to call Capitol One with a link for each disputed fee, was on the phone with XXXX at XXXX  today XX/XX/XXXX for 25 min to be told their claims department didn't handle fees, so he would transfer me to customer service ( note in the app they state they are open Saturday XXXX-XXXX ET ). Then after 25 min wait he told me customer service was only open on Monday! I asked to speak to a supervisor, after 10 minutes XXXX said I needed to speak with the 'Business Team ' on Monday to get the overdraft fees refunded. 40 minutes wasted on the phone and they never refunded me these bogus overdraft fees they charged! 5 overdraft fees for 3 transactions! 2 of those transactions were for XXXX cents transfers which I definitely had adequate funds for!!! This should be illegal to charge FIVE overdraft fees of {$35.00}, TOTAL FEES CHARGED {$170.00} for 3 transactions, 2 of which were for XXXX cents each!!
Product: Mortgage

My account is with Fay Servicing for years they refuse to give me information about my loan. My monthly payment is XXXX, principal {$170.00}, interest {$570.00}, escrow {$340.00} tax. We have paid our mortgage for 17yrs and Interest will not go down. We called and was told we have an additional 35yrs on loan. They told us that they didnt have any information on our loan they just service it. My loan was sold and it took 3 months when they took over and tried to foreclose on account because we didnt have access to account to pay.We had problems from the very beginning with this company. When you call they hang up and they are very rude. We were told that we signed modification papers to add 35yrs, if we did, we were deceived about terms. Credit wise, they are aware that we cant refinance with anyone else. They also refuse for us to pay out our escrow tax too have the other amount add to principal was told we couldnt do that so the would just reimburse every year in XXXX if we paid it as a over payment.