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

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Checking or savings account

I have a positive balance of {$580.00}, and XXXX pending transactions. Attempting to use my XXXX debit card results in a declined transaction. I called customer support and was not provided with any information as to why I did not have access to the funds, nor, a time frame when to expect access outside of " hopefully within 24 hours ''. I asked if I could be provided with my account number, in an attempt to transfer the money into another account. I was told I was not allowed access to the account number. At this point, I have no idea why I can not access these funds. This is an unemployment payment, and is creating a hardship on myself and my family. I have no indication that I will have access to my funds outside of wishful thinking.
Product: Money transfer, virtual currency, or money service

Date - XX/XX/XXXX Email- XXXX Amount - {$250.00} Ticket - XXXX Department - account specialist Venmo is telling me it will take 3-5 days, I cant wait this long I am a student, kindly take action against them to resolve it faster
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my private data was stolen ( SSN, birthdate, full name, etc. ) and is now susceptible to identity thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent the credit bureau a dispute letter, along with a FTC report concerning an account that was not opened by me. Under FCRA 605B ( 15 U.S.C. & 1681 c-2 ) This fraudulent account must be removed within 4 business days. I do not owe this alleged debt and they cant provide me a method of verification. The name of the collection account is ( XXXX XXXX XXXX ). I have no consent of this alleged debt, i want this account to be removed from my credit report immediately, thanks.
Product: Payday loan, title loan, personal loan, or advance loan

I communicated with someone that my payments would be on XX/XX/XXXX. They changed the wording in the email. The website says that the next payment is on the XXXX. They are trying to take more than one payment on XX/XX/XXXX. The amount is also increasing on a daily basis, and those were not the terms of the agreement that I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts and 1 addresses listed on my credit that I don't recognize or it doesn't belong to me. Can you please kindly remove it? Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following account be blocked and deleted from my credit report due to fraudulent activity related to a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this account removed from my credit file. 
Account : XXXXXXXX XXXX Account Number : XXXX, Date : XXXX, Amount :
Product: Credit card or prepaid card

On XX/XX/XXXX I went to evolve bank atm to withdraw {$820.00} dollars from the atm. The machine didnt give me my money but the funds were taken off of my card. That day I called US Bank ReliaCard who owns the card which my child support money goes to. I opened a dispute they said that I would get my money within 10 days so I waited and waited I called back and asked what the status of my claim was and they said that they closed out the dispute XX/XX/XXXX nothing was wrong. The next day I called evolve and asked them what was going on and they said on the XX/XX/XXXX they sent an email and my money to them letting them know the atm was over {$820.00}. So XX/XX/XXXX I opened another dispute and evolve sent another email saying they already sent my money to them and I need my funds. The manager said I can open as many disputes as I like and they all will be closed out they are very very rude. So Evolve and I three way called them and they would hang up on us every time we called. I know that they have my money and evolve is doing everything to help me out by tracking where my money went and this is my last chance to get my money before I have to get a lawyer involved.
Product: Checking or savings account

I opened a Citi XXXX XXXX account for an estate. I was given 4.86 % interest rate so I moved funds from an existing account to Citi. When I went to balance my XXXX statement, I noticed that the interest rate was reduced from 4.86 % to .09 % without notice or reason. I contacted the branch XXXX today and was told this account was opened with a XXXX promotional rate. I was not told this was a promotional rate. I have no documentation citing this as a promotional rate. 
I tried to resolve this issue with the branch XXXX and was told that there is nothing she can do. She also is unable to provide any documentation that this was a promotional rate. 
I asked them to pay a reasonable interest rate, even if not the agreed to 4.86 %. I was told there is nothing they can do to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute with Wells Fargo for a while now and also have informed them in prior disputes, identity theft reports and etc. That I have been a victim of fraud, my information was compromised and also my email address, old passwords and info of my employer was exposed on the dark web and also found in data breaches. A lot of emails that was sent by Wells Fargo I did not received. All disputed items, interest charges and late fees were not done by me. A new card was sent on several occasions, disputes were reported to the Wells Fargo Fraud Department. Wells Fargo has also listed me in the XXXX XXXX under suspicious account activity and etc. I was not aware of this until I added another security alert on credit report and also requested a copy of my XXXX XXXX report. This is really damaging my credit file and also being able to open a bank account do to fraud. I am not responsible for for these charges. This account needs to be deleted and also false information in the XXXX XXXX. I will never do business with Wells Fargo or advise anyone to do so. No police report was found as I wasnt aware at that time and when I discovered this matter, I immediately reported it to Wells Fargo. I even received on email that asked me to verify my bank account information and from what I was told my information and card was copied by a scammer and used many places. Because I was responsible for these charges after reporting it. I didnt pay it or felt I should be responsible. So late charges and interest charges accumulated. Attached are document proving I have been on the dark web and my information was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.

Please resolve this matter as soon as possible. 
Thank You.
Product: Debt collection

I was paying {$35.00} each month, sometimes XXXX to virtua for medical bills as this was what I could afford each month to stay out of collections and chip away at the balance, when they moved my account to collections. 
Since then, Apex collections company has been calling me 5+ times a day as well as sending 3+ texts each day. They are unable to provide me with any information aside from my name on account, address and that virtua was the original owner of this debt. The debt amount is more than I owed the hospital. At this point, they are harassing me at all hours of the day but will not send any physical proof of this debt with date of birth and social security number for me to arrange a payment plan.
Product: Debt collection

Company was included in bankruptcy and after bankruptcy was discharged company added charges to my credit report contract company and stated they corrected it but still showing
Product: Credit reporting or other personal consumer reports

This marks my initial attempt to inform you of my status as a victim of identity theft. I am raising concerns regarding particular entries in my document that have arisen as a result of this criminal act. These entries pertain to transactions for which I neither initiated nor authorized any exchanges involving goods, services, or funds. If indifference prevails, kindly expunge any significant information from my credit record that stems from the purported fraud or deceit. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$650.00}
Product: Credit card

I am writing to formally dispute certain information on my credit report. After reviewing the report, I have identified multiple inaccuracies. In accordance with the Fair Credit Reporting Act ( FCRA ), Title 15, Section 1681i, I am requesting a thorough investigation of the items listed, if they are found to be inaccurate or unverifiable. I am not liable for this debt, I was a victim of identity fraud/ theft this company created a two separate account, failed to provide me with documentation as requested and continues to report negative information to the credit bureau
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.
Product: Mortgage

I was subject of a " bait and switch '' by PNC Bank Mortgage Specialist XXXX XXXX. Specifically, I was promised a rate by XXXX XXXX which I locked, they pulled credit on, I moved money to a PNC account, etc. In a later email, the PNC Bank Mortgage Specialist XXXX XXXX confirmed I was locked on the rate I wanted. Shortly before closing however, I was told this rate was no longer available. 

I believe I was intentionally misled by PNC to start a mortgage process based on a rate which was never actually " real '', as they hoped I would go through the process anyway. This hurt my credit score, cost me time, and cost me interest on money I borrowed to move to my PNC account ( which was necessary to get the rate I was originally promised.
Product: Checking or savings account

There was a maintenance fee of {$8.00} being posted on my saving account. Yet, my account had over {$500.00} balance at the end of statement cycle, which should have waived the maintenance fee. When I called the customer support, they said the fee was due to the fact that there were some days in the beginning of the statement cycle that my account balance was below {$500.00}. However, later in the same statement cycle, my deposit transaction went through and the balance was above {$500.00} for majority of the remaining statement cycle. No where in the fee schedule, did it mention that account balance has to be over {$500.00} for each day of the statement cycle. Even if so, I have been a customer of Bank of America over 12 years and yet I was not offered any refund as a gesture of good will towards loyal customer. I was so appalled by the lack of care that I closed the saving account on the spot. The only thing that I was not surprised of is when the customer support showed no indifference in her attitude as I asked to close the account. One would think that a company would try to retain a customer of over 12 years but apparently not Bank of America.
Product: Mortgage

Payed off mortgage XXXX. Bank still have lien on property yet making it impossible to release lien. Every time I call to check status I have new hoops to jump thru a new wall to climb. Their lack of cooperation almost seem nefarious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged of all loans 15 loans from XXXX XXXX XXXX XXXX XXXX they were closed and XXXX & Experian keep showing that these accounts are still open I would like for them to show closed & never late on my account and show no more negative account from this institution
Product: Credit card or prepaid card

The card, which is paid in full monthly and has XXXX balance, was declined without explanation by an online vendor. When attempting to log on to the website, I received a generic message that a " technical glitch '' had occurred. Repeated attempts later in the day generated the same message or a message that a " scheduled update '' was taking " longer than expected '' and that all my information was " secure ''. When calling the customer service phone line I received a recorded message with the same narrative. This has gone on for over 8 hours ; I see from online posts that it may have been going on for days. At this point, this company with my sensitive financial information is completely opaque. I have no way of using the card or of checking any activity on the card or of talking to any actual representative of the company or of simply canceling the card. I've received no information via email from the company.
Product: Debt collection

This is XXXX XXXX & I am giving my consent to Caine & Weiner to communicate with me via email or phone on documents that were disclosed on the phone with Supervisor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX  XXXX Balance Owed : {$940.00} XXXX XXXX XXXX  XXXX Balance Owed : {$5400.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I went to my local BankofAmerica branch ( on XXXX XXXX, corner of XXXX and XXXX XXXX ) to pay my normal BofA Credit Card bill. And as usual their service at this particular branch was nothing less than atrocious. Then on XX/XX/XXXX I received an email questionnaire from BofA asking me how my experience at BofA was. So quite frankly, I told them they should get out of the Branch Banking business because on ANY day, they have ONE person working their counter and working the drive-thru and the WAIT each day is a joke. So they asked me multiple questions on how my experience was and I very bluntly told them. 
Then on XX/XX/XXXX I received an email from Bank of America telling me my credit line had been reduced from {$20000.00} to {$500.00} because of a BAD Credit Score. I then received a letter in mail detailing exactly their comments sent via email. 
Now here is the ironic part. I have had this BofA credit card since XXXX and for the entire year of XXXX, I pay my Balance monthly, XXXX carryover, and I have maintained that relationship in almost identical terms since XXXX ( paying off balance ). Yet BofA went to the 'incredible conclusion ' that my credit score made me a Credit Risk. I was a Bad Customer! 
The part of this explanation which is almost laughable is that I have {$130000.00} in credit lines at XXXX XXXX ( and of yes, Bank of America wanted to know if I had a checking account with them -- which again is incredibly laughable -- considering their Customer Service is so Poor ). 
I now understand why the House Financial Services Committee has barbequed XXXX XXXX as of late. Bank of America should receive the same Scrutiny when you treat 'CUSTOMERS ' such as I with exactly the same disdain. And I would like to repeat, they have been making Money off of my use of their card since XXXX with ZERO interruptions because of use. Not me making money off them. They making it off of me. 
I hope the CFPB will look into this matter. They are a Public company, not Private!
Product: Student loan

Discover Bank. 
I was double charged on my first student loan payment ( I am already paying them 35 % of my monthly income ). Customer service seemed confused and insisted that they could not help me and that I needed to work with my bank that the double charge was being pulled from. I am already financially thinned out because Discover does not deal in income based repayment plans, and I am now at risk of having a " Late '' status on my account due to their mistakes. This may reduce my chances of refinancing elsewhere. 
Customer service needs to read the notes on the account prior to trying to understand the situation and further confuse the customer. XXXX of the XXXX agents I spoke to was rude and demeaning. Wasted my time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unverifiable Accounts from My Credit Report Dear XXXX, XXXX am writing to formally dispute the accuracy of certain items on my credit report. Based on recent documentation I have obtained from XXXX, it has been confirmed that XXXX accounts associated with my credit history have been deleted due to being unverifiable. I request that you promptly review and remove these accounts from my credit report to ensure that they reflect only accurate, verifiable, and fair information. 

The details of the deleted accounts are as follows : Creditor Name : XXXX Card Services Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX2025 Creditor Name : XXXX XXXX XXXX - XXXX Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX2025 Creditor Name : XXXX XXXX Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX2025 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are obligated to investigate disputed information and remove unverifiable or inaccurate data from my credit report within 30 days of receiving this dispute. As XXXX has already determined these accounts to be unverifiable, I request that you immediately remove these entries from my credit report. 

Furthermore, under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the accuracy of the information in consumer reports. The continued reporting of unverifiable accounts violates these legal obligations. 

If these items are not removed promptly, I reserve the right to pursue legal action as outlined in 15 U.S.C. 1681n and 1681o, which provide for statutory damages, actual damages, and legal fees for willful or negligent noncompliance. 

Please acknowledge receipt of this letter and provide a written response within 30 days, detailing your actions regarding the accounts in question. I trust that you will act in accordance with your legal obligations to ensure my credit report is accurate and fair. 
Enclosed is the documentation from XXXX confirming the deletion of these accounts for your reference. 

Thank you for your immediate attention to this matter. If you require additional information to facilitate this process, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX Enclosures : Screenshot from XXXX confirming deletion of accounts Copy of my credit report with disputed items highlighted Copy of my government-issued ID for verification
Product: Debt collection

Account Number XXXX Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX requested for me to have a XXXX XXXX at XXXX XXXX XXXX XXXX. I should have had the XXXX  at a XXXX XXXX XXXX  or another local XXXX XXXX. XXXX XXXX XXXX charged me the amount of {$6600.00} for the XXXX and also {$600.00} for the required XXXX. I was not informed of this cost by XXXX or XXXX. Hence, I was not given the opportunity to decline in order to find a more inexpensive location for the scan. This is a clear violation of the Federal No Surprises Act which came into effect in 2022. After researching, I found that the XXXX XXXX could have been done for between XXXX and XXXX dollars before the insurance obligation. I have always paid my bills promptly in advance but this is unfair to a responsible customer.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAP ONE - XXXX and CAP ONE - XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"