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

I had originally sent out that I was still enrolled in school before my 90 days were up until a former student must start making payments. XXXX XXXX failed to provide me with the correct documents and fix on their system I was in school. XXXX XXXX  I let them know and called numerous times to be seek the update.

Under the FCRA, a hard inquiry should only be made with your consent. If a company or individual checks your credit report without your knowledge or permission, this could be considered a violation of your rights.

If the check was conducted as part of a student loan restructuring, adjustment, or a similar program initiated without proper notification or consent, it may not comply with the legal requirements for credit checks.

Failure to Follow Regulations on Credit Reporting Inaccurate Reporting : If your student loan servicer or lender did not accurately report information to credit bureaus, resulting in an unjustified drop in your credit score, this could also constitute a violation. Under the FCRA, data furnished to credit reporting agencies must be accurate and complete. Any mistakes in reporting could lead to a credit score reduction without valid cause.

Unjustified Negative Impact on Credit Score Violation of Fair Treatment Laws : If a student 's loan is being checked in connection with a program or service ( such as those involving XXXX XXXX companies like XXXX or XXXX ) and results in a substantial drop in their credit score without any legitimate reason or clear connection, that might be considered unfair treatment under consumer protection laws.

If a loan check was done improperly and led to an unjust drop in the credit score, it could be viewed as a violation of laws protecting consumers from undue financial harm.

Discrimination or Unfair Practices Equal Credit Opportunity Act ( ECOA ) : If the checks or changes to student loans caused credit score drops disproportionately to certain groups ( based on race, gender, or other protected characteristics ), it could be seen as a violation of the ECOA, which prohibits discrimination in lending. Failure to Notify and Disclose Impact Violation of Transparency Laws : If a company failed to notify you of the potential impact that a check could have on your credit score, it could be considered a violation of transparency and consumer rights laws.
Product: Mortgage

TDBank is always messing with my mortgage payments. When l am behind on payments and l make the payments. They will always apply the payments towards principal and legal fees and not my mortgage payments stating that i made extra payments ( l am obviously making my payments ). I spoke to them and confirmed that l did not go to court and made the payments before all court appearance why are they charging me fees. A representative that l spoke to that confirmed that the calls were being recorded confirmed that they can not do that and use my payments towards legal fees that do not exist. I spoke to someone today XXXX/XXXX/2015 and she confirmed she submitted the request and they still have not removed the payments from legal fees and principal towards my mortgage payment for the month of XXXX and it is the end of the month. She stated it is being recorded and told me l do not have to repeat myself and l told her this is the second time they are messing up my mortgage account which led to them saying l am now paying for legal fees that l have no idea of and never went to court
Product: Credit card or prepaid card

Wells Fargo routinely fails to award bonus cash back for purchases made through its " Wells Fargo XXXX '' program. For example, I responded ( by " activating '' offer on XXXX web site ) to an offer to receive 10 % back on a purchase at XXXX XXXX. ON XX/XX/XXXX I made a {$45.00} purchase at XXXX XXXX with my XXXX credit card number ending in XXXX. I should have received {$4.00} cash reward. I received nothing. I used the XXXX card rather than a XXXX  card I could have received 5 % cash back, because of this offer. 

This is not the firat time that Wells Fargo has done this.
Product: Credit card or prepaid card

XXXX XXXX, 2021 - I went to the Pep Boys at XXXX XXXX XXXX, XXXX, CA XXXX for some brake work. I thought I had {$500.00} in open credit on my Pep Boys card. I had checked online a week earlier and the credit line was active. The bill was {$400.00}. When it came time to pay I presented my Pep Boys CC and it was declined. I called the customer service number and they said it was cancelled since I had not used it. They said I could re apply. I then paid with my debit card. 

XX/XX/2021 - I needed more work done so I applied again and was approved for a XXXX / Pep Boys card with a {$2000.00} limit. See attached. 

XX/XX/ 2021 - I went to the same Pep Boys location for an alignment and suspension work. The bill came to {$420.00}. I had not received my card in the mail yet but had my account number. I had received an approval email and could log into my XXXX / Pep Boys mobile app showing my XXXX / Pep Boys account. 

The XXXX card was not accepted. I had not received the card in the mail so I did not have the expiration date nor 3 digit code on the back. We called Fortive customer service overseas. They said I needed a pre authorization code. She could not give it to me nor did the cashier know what that was. After going back and forth with XXXX customer service I gave up and paid with my debit card. 

So - fortunately I had money in my account to pay. What would have happened if I didn't? I'm sure they would have kept my car until it was paid.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : 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
Product: Checking or savings account

I opened a Wells Fargo Everyday Checking account on XX/XX/XXXX. It had a {$320.00} opening bonus which required direct deposit of XXXX XXXX within 90 days. Terms stated that bonus would be paid within 30 days of the 90 day qualification period ( so, by day XXXX ). I received an email after account opening confirming that I was eligible for the bonus. I made a direct deposit of {$1000.00} via my employer paycheck on XX/XX/XXXX. As of XX/XX/XXXX ( 134 days after opening the account ), I have not received the bonus. 

I called Wells Fargo on XX/XX/XXXX to inquire about the missing bonus. Agent stated that I was not eligible to receive the bonus because I was an existing customer when I opened the account on XX/XX/XXXX. This is not true. I had a Wells Fargo account previously, but it is now closed. 

I looked up the bonus eligiblity terms on Wells Fargo website : You are not eligible for this offer if : You are a current primary owner of a Wells Fargo consumer checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. 
You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 
You are a Wells Fargo employee. 

I was not a current owner of a Wells Fargo consumer checking account as the previous account was closed on XX/XX/XXXX. I had not received a bonus for opening a WF checking account within 12 months - previous bonus from WF was on XX/XX/XXXX ( more than 12 months before opening the current account ). I am not a Wells Fargo employee. 

The agent I spoke with said that I am considered a " current '' customer due to the account that was closed in XX/XX/XXXX. My definition of " current '' is " now, '' not " sometime in the past '' and I imagine most consumers would agree. 

Bottom line- I met all Wells Fargo eligibility requirements as stated on their website and I met the terms of the bonus also as stated on their website. I should be paid what I was promised.
Product: Credit reporting

J.H. Portfolio is trying to collect on a debt from XXXX that I paid through a debt consolidation company. I mailed J.H. Portfolio a letter attached with a statement from the consolidation company showing a XXXX balance for XXXX. I called J.H. Portfolio on XXXX XXXX XXXX and they confirmed that they received my letter and statement from the debt consolidation company and they said they would research the complaint but I have not heard from J.H. Portfolio. I 've disputed this charge three times with XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. I want the charge of {$960.00} off all of my credit reports.
Product: Debt collection

The following agency, Capio Partners LLC, filed a derogatory record on my credit report, but i did not receive any notification with a right to dispute. When asked about, a representative informed me that no communication letter was sent out. I had no idea this was on my credit report. 

Note : I did pay the debt with my CC because I was buying a car and wanted the record off my report. I was told that the record would be removed, but XXXX confirms it stays on for 7-years. 

I want to make this complaint because I feel I should have been given notice with at least 30-days to dispute the claim. I should not have paid the claim as it was a XXXX case from XXXX of 2010. XXXX paid for my XXXX service, but the hospital, XXXX XXXX XXXX XXXX, in XXXX, PA has been harassing me for more money. 

I was advised by XXXX that I should not pay the false claim and that I should continue to dispute it to avoid records on my credit report, but this collection agency did not give me a chance to dispute the claim. I have never had a bad record on my credit report and this hurt my overall score.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX XXXXIve already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} - XXXX XXXX XXXXXXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$890.00} XXXX  XXXX  XXXX Balance Owed XXXX {$0.00} US BKPT CT XXXX XXXXXXXX XXXX XXXX Bankruptcy Reference # XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Debt collection

I received a call from a debt agency called XXXX XXXX and XXXX based in XXXX Texas. The debt collection agency stated that they will garnish my wages for a debt over XXXX XXXX XXXX. A vehicle that was repossessed 10 years ago. The number that called me is XXXX which is from XXXX New Jersey. The person told me I will be arrested if debt not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Account was closed on X/XX/2017, with no warning. Now applying for mortgage I am being told the account was closed and it hurting my debt ratio. Tried getting it reinstated and bank will not help. paid on time, and paid off the credit card on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 Days today since Ive sent documentation on XX/XX/XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of XXXX  Data Breach. I want all those account will be remove to my credit report or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every single month I have to speak with shop your Way, Citibank services regarding my account, I am not getting any kind of statement whatsoever at my mailing address so when they process my bills unfortunately it seems that this one is accidentally skipped from time to time which makes me past due. 

Recently I was not notified that I was late whatsoever and it started to reflect on my credit report, I have tried to resolve this issue many times with customer service reps trying to set up automatic payments, trying to access my account online and trying to even just get a hold of some thing simple as my statement. 

I have bill pay set up on my account and provide payments and normally that way and have proof of confirmation of payments when I submit them to my credit card account.
Product: Credit card

I previously sent American Express a letter stating that I had extenuating financial circumstances regarding paying my account back in full and sent a letter back in XXXX stating that I can pay XXXXmth and sent a signed letter to the following fax # ... ... I did not receive any indication from them that they will charge me {$110.00} per month in late charges. It is as if this a retailiatory tactic being utilized to hinder me from lowering the amount due. I explained that my family is experiencing a financial and economic hardship and recently my youngest sister was hospitalized for 34 days in the hospital due to a XXXX and a XXXX XXXX XXXX XXXX. I am requesting assistance on the late fees as I have been paying {$100.00} per month on the account and had previously requested the option to pay over time before the closed the account back in XXXX based on some retailiation with my mother utilizing the account who also raised concerns to CFPB on another Amex account matter as an authorized user. We are experiencing a very difficult time financially as a family and I am requesting assistance regarding this matter.
Product: Money transfer, virtual currency, or money service

My mother passed away in XXXX. She left very little. There were two ira cds one was just shy of {$3000.00}, the second was worth {$20000.00}. We were told that the XXXX cd just vanished and never existed. Then we where told that the one just short of XXXX would be split 3 ways as for my mothers wishes. My daughter got her check no problem., fir some reason they want to play games about mine. I would greatly appreciate help getting this matter taken care of.
Product: Debt collection

I notified American Express in writing that I discovered a fraudulent Amex credit card account reporting on my credit reports. I forwarded to Amex Fraud department police reports, identity theft affidavit, and my statement explaining what happened. A specialist at the Fraud department of American Express assured me that investigation was going to be conducted and I was going to receive documentation pertaining to the fraudulent account including a statement of charges, any forged contract documents to properly follow up on a dispute. American Express received my information on XXXX XXXX, 2016. To date, I have only received XXXX letter from American Express stating that investigation is in progress and I should receive the results very shortly. That letter was dated XXXX XXXX, 2016. I have called the fraud department several times requesting the promised documentation or any update on the investigation to no avail. 2 months and 10 days later, I have not received any documentation or communication from American Express about my dispute. If American Express had any documentation to verify the validity of the mentioned account, I am sure they would have forwarded it onto me. Amex needs to delete this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself to inform you that the item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please UPDATE accordingly : ( XXXX XXXX XXXX XXXX XXXX )
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 U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C. ( 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, which Antendates 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

1. ) So XXXX last year I paid off a debt for infinity health care XXXX dollars. The collector is XXXX XXXX XXXX. They did say they reported it but it's still on my credit report XXXX. I filed a dispute but nothing is happening.

This is through credit karma 2. ) Next is XXXX  XXXX XXXX. Again XXXX last year I paid this debt XXXX dollars but still shows on my credit report, XXXX  I believe. 
This is on my XXXX XXXX report through XXXX XXXX.
Product: Debt collection

The statute of limitations on debt in Texas is XXXX years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations for debt buyers. The date loan was open, my credit report is wrong is has XXXX XXXX the loan was open more than XXXX years, remove this debt, because of the statute of limitations.