23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I had no options to choose for my issue I paid off 2 check n go loans. When I applied for a 3rd they wanted a bank statement witch doesn't get generated till next month. They take a screen shot of my bank history showing I paid them off. ( They don't have info that I paid them? ) So I took the screen shot uploaded and they sent me an email telling me to do it again so I called them to find out why. I was informed that my screen shot does not show a balance after a debit and is not acceptable. Very confusing how my balance has anything to do with it. I begged like a dog for supervisor I had to call several times to get speak with a supervisor. 
My complaint is that one of the representatives asked me if I knew how to alter a document like in photoshop and I got the impression he wanted me to alter the documents put balances in so he could issue me a loan I do believe altering a financial document to obtain a loan is considered fraud and illegal And that fact that on XX/XX/XXXX my bank balance meant the entire world to them and I just refused to alter a document. So I told them to cancel everything I don't want to do business with anymore. On XX/XX/XXXX they sent another email requesting my bank statement again. I went into my account to send feed back and a complaint to find they don't want my bank statement but wanted to sign e document. So on XX/XX/XXXX my balance meant everything to them but on XX/XX/XXXX it didn't mean anything to them I don't think any lender should be allowed to suggest the customer to alter documents so he provide them with a loan They are constantly sending emails telling me I can apply when I've beggedthem like a dog to stop and remove me from their list and they refuse to do so I'm legally deaf by federal guidelines. I talk loud get accused of yelling get threatened to be hung up on because of it, I'm not allowed to be human with emotions and feelings. I'm supposed to let check n go treat me like a dog and make me beg to speak with a supervisor. The customers service is disgusting. It tried solving this with there feed back department and they are just as bad Please do not allow this company to do this to others I've included the screen shot they suggested me to alter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX and account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Today, XX/XX/2022 I went online to check to make sure my XXXX was deposited. I logged into online banking with PNC and all of my accounts were gone and 2 of my sons ( I have 3 under my name Checking/Saving and MM - 3 under my sons which I am on ) Only my sons checking account was still there. I thought it was a glitch in the system, so I called. 
I was told that they only thing they could do was read me a disclosure that was VERY demening. Basically, they decided to close the accounts and that was it. The PNC rep was speechless, tried to handle it, but told me there was no information and that he had no where to transfer me. They would send checks to the house for each of the account, 3-5 business days.. So.. i am dead in the water, no access to ANY of my money and that is it.. I have looked online and yes, they have the right to close the account, but they are required to notify you. NOTHING FROM THEM!!! 
I was hacked about 4 months ago. Filed a police report and with the FTC. The policeman told me to contact him with anything needed. PNC denied the claim and I was out {$1400.00}, so I appealed.. that was 3 months ago. NO word on the appeal and now they just closed them without notice??!!!
Product: Debt collection

I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect. 

To make matters worse In XX/XX/2018 XX/XX/2018 I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX XXXX XXXX XXXX Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : TransUnion : Incorrectly reports 30-day, 60-day, and 90-day late payments in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these entries are incorrect, as I have paid on time. 
These entries have unjustly affected my creditworthiness by misrepresenting my payment history. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I took mortgage with crosscountry mortgage llc as participating in XXXX XXXX XXXX XXXX. 
They issued property assessment on wrong property address ( there are 2 properties with the same address but different zip code ) I ask them to provide required property assessment on correct property they told me they do not require to do so. 
After that they try to force me to sign change of mortgage to the wrong address, I refused. 
I am still waiting for the proper assessment of the property.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. All of the information associated with this account is not my information nor does this company have a signed document by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I recently received a copy of my Credit Bureau credit report. The credit report shows multiple credit inquiries by the below listed companies that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Judging by the recent revelation that your database was hacked and you ultimately have left 143 million Americans unprotected, this is unacceptable. And will  NOT be tolerated. 
Please have these inquiries removed from my credit file because it is making it very difficult for me to live a normal life. I have sent this letter via XXXX because I need your prompt response to this issue. 

XXXXXXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX NC XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Again, your system has been linked to an unauthorized hack, of which my personal information, along with 143 million other americans have had their personal information used without permission. Your business has caused unrepairable damange to my life as well other countless millions of other innocent citizens. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I Transferred {$150.00} From Is my cash app account to my chime Account. The funds were never received to XXXX XXXX account. And the funds never went back to my cash app account. I've inquired everyday everyday to cash app And to the bank that governs them which is Square ink. But no one will help me get my money return to me. I was told by cash app manager she just forget about it and don't worry about it there's nothing I can do. I told him he can not steal my {$150.00} it has to be returned to me. I asked for a receipt I got one but it makes no sense which I will attach that For you also. They Wanted chime to trace it but they can not trace something that never got to them. Please help me get my {$150.00} back this is just ridiculous.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

Portfolio Recovery Associates, XXXX  is reporting another dept illegally. they did not showed me the original instrument of indeptedness in its original form. i have asked them more than 3 times and they kept sending me the same generic answer.
Product: Mortgage

Hello, We are current with our mortgage. 
We have been told by shellpoint mortgage co. that our payment has increased by over {$500.00}. 
Their reason is something about reserves. We can not afford this large increase. 

We have attempted to resolve this with them but they will not work with us at all.
Product: Credit reporting or other personal consumer reports

I am using my rights as outlined by the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. The data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the allegations included on my credit report are not true, I request that they be immediately deleted. Please provide accurate and verified information for each claim. 

Please see attached file for additional information :
Product: Credit card

I received a letter on XXXX XXXX that was dated from XXXX XXXX from Wells Fargo. It stated, " we reviewed and found an unusual volume of purchases and/or payments made using this card. '' And it continued to say, " if it continues beyond the receipt of this notice we will close your account and your rewards balance will be forfeited. '' I completely stopped using the card altogether. At this point, I had {$3500.00} in rewards that were earned during this billing cycle and I did not want to risk losing them so I did not use the card again. My credit card balance was more than {$24000.00} at this time with a total limit of {$25000.00}. I was basically maxed out and absolutely needed to make a payment so I did not risk adverse action from other creditors if I allowed the total balance of {$24000.00} to report on my credit reports. So I made a payment to get the balance down and this payment was the only activity on the card after receiving the letter. 

Wells Fargo closed my account anyway and I received a letter dated XXXX that stated, " per the warning notice we sent, we closed your account on XXXX. You can no longer make transactions with this account and your rewards balance has been forfeited '' Wells Fargo clawed back rewards that I earned legitimately after sending out a warning letter, to which I obeyed, and cited the warning letter as the reasoning behind the closure. 

I have read some of Wells Fargo 's responses to other complaints and Wells Fargo does not need to inform me that my CURRENT rewards balance is {$0.00}. I know that it is {$0.00} as of today. It was {$3500.00} before my account was closed and Wells Fargo forfeited them.
Product: Credit card or prepaid card

I am being subjected to an exorbitant APR of over 24 %! I make my payments on time every month even on auto pay! The national average is an APR of roughly 16 % but yet I am being assessed a higher APR because I am considered low income and a minority! I sent a letter pleading with this company to please lower my APR and they never even responded! Apparently I am not even worthy of a response! Now because of the Corona virus, my income has dropped substantially and I am getting nowhere paying this much interest when a {$140.00} of my {$180.00} payment goes to interest!
Product: Checking or savings account

We opened a CD using the funds from our existing joint trust account at M & T Bank. The joint trust was set up and there is no issue with it as per the branch manager. A month later we receive a form letter signed by the local branch manager that they are closing our account. We later found out it was only the CD being closed. When I talked to the branch manager, she was unaware of the letter, and she had not seen or signed it. Over the next few weeks, we provided the branch manager with whatever information she requested. She claimed she was working with her back office to resolve the issue. She claimed that M & T has a different way of doing accounts and the people in her branch set it up wrong due to a lack of experience and training. The bank had possession of all the trust document information from our existing account and there is no issue with it. The funds for the CD came from that account. The letter stated if we took no action the account would be closed, but we were very active with working with the branch manager to resolve the issue. Last week we noticed the funds for the CD ( {$100000.00} ) had been removed from our online account. This alarmed my wife and she tried to contact the branch manager who was not available with time off. She sent through an email to the branch manager, and it was answered two days later stating she had escalated this to senior management. The next day she called back and informed my wife the account was closed by corporate, and the money removed without our authorization. She said a check was being put in the mail to my home address. This seems to be a poor way to handle my money and the lack of being customer focused when the issue was their mistake in setting up the account.
Product: Credit reporting or other personal consumer reports

I disputed several accounts with Experian and they replied to all of the disputes as such : ( Meets requirement of the Fair Credit Reporting Act ) I do not believe that Experian followed through with a thorough investigation of these accounts and provided no information validating the accounts. 

These debt collectors have reported incorrect information for some time now and have harassed me.
Product: Mortgage

On or around XX/XX/XXXX Original loan debtor transferred her interest in the property to her brother due to her illness. On XX/XX/XXXX, Original loan debtor passed away. A probate was opened thereafter and an order naming maternal brother the Administrator was approved by the Judge on XX/XX/XXXX, which expired on XX/XX/XXXX, and reissued for the purpose of finalizing the Loan Modification. A modification was submitted on XX/XX/XXXX and approved for a trial payment of 90 days. Thereafter a final modification was approved on or around XX/XX/XXXX. 

However, the Mortgage Company : XXXX XXXX XXXX XXXX XXXX and/ or their agent Servicer : XXXX XXXX XXXX ; failed to respond to the proper notification of the probate court to place the mortgage within the Estates name, even after several notifications and follow up, phone calls from XX/XX/XXXX until present XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a security freeze since 2018. I had a temporary lift for a few days. 

I wanted to confirm that my security freeze is back on. I have not been able to confirm via the menu prompts, as it only asks you if you want to add a freeze or do a temporary lift, it does not give you an option to confirm your freeze is in place. 

I have not been able to get through to a real person in order to obtain the info I need.
Product: Debt collection

I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
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 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

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