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

I am writing to dispute certain late payment accounts that are appearing on my credit report. Upon reviewing my credit report, I noticed discrepancies regarding the payment history associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

According to my records, these accounts have been consistently paid on time, and there should be no history of late payments associated with them. I believe there has been an error in reporting, and I request that you investigate and rectify these inaccuracies promptly. 

Enclosed with this letter are copies of relevant documents, including bank statements and payment receipts, that corroborate my claim of timely payments. I urge you to review this evidence carefully and update my credit report accordingly. 

I understand the importance of maintaining accurate credit information, and these inaccuracies have the potential to adversely affect my creditworthiness. Therefore, I kindly request that you expedite the investigation process and inform me of the results in a timely manner.
Product: Debt collection

In the first week XX/XX/XXXX, a representative from XXXX phone me and advised that my insurance policy was schedule to be re-new beginning XX/XX/XXXX and there be an increase in my premium because I had a small auto accident within the past year. She quoted me a price of maybe a {$25.00} a month increase. At that time I also informed her that I would be moving from XXXX into the city XXXX XX/XX/XXXX. She quoted me a price of {$450.00} to be insured in the city and I immediately told her to cancel any further service at that time. I went on vacation XX/XX/XXXX after moving into my new resident. I made a lot of debit and credit card transactions and did n't realized that XXXX Insurance company had charged me a premium XX/XX/XXXX after I cancelled their service. The next month while checking my account, I discovered that they had taken another payment out XX/XX/XXXX and I immediately notified my bank and filed for reimbursement after I talked to XXXX by phone. They agreed by checking the initial conversation entered into the system that I cancelled the policy and that the representative did not enter the appropriated information into their system to stop payment proceedings. They agreed to refund my payments. I choose to go through my bank and pay the fees instead of waiting for XXXX. XX/XX/XXXX I received a letter from XXXX insurance that I owed them {$470.00}. I called them immediately and I was told XXXX to emailed documentation that I was insured XX/XX/XXXX which I did. Last month ( XX/XX/XXXX ), I received a phone call from a collection agency stating that they were representing XXXX and that I owe them {$470.00} and did I want to dispute the charge. " I said yes '' I thought the matter was resolved. I checked my credit report yesterday and XXXX has this charge reported as in collection. It 's unfortunate that companies like this think that it 's ok to collect or banger the public for monies they did n't earn. From my understanding and my initial phone conversation with the XXXX XXXX, it was understood and determined per her records that I did indeed cancel my coverage with them in due time.
Product: Credit card

I got a business credit card with American Express with a promotional XXXX APR for 12 months after 4 months they apply APR on my account without any notice. 

Interest charge on XX/XX/XXXX XXXX American Express card. 

Total interest charge XXXX $
Product: Debt collection

Opened on XX/XX/2021, The amount of {$220.00} others is the charge.I have already disputed this and it was removed and they continued putting it back on.
Product: Credit card or prepaid card

I paid {$1000.00} on my credit card ; and they have held the payment although it was taken from my non Wells Fargo bank account the same night that payment was made. I called to find out what was going on and they said the payment had to be held for 4 days and would be added to the card on Sunday XX/XX/XXXX. Looked at the card and it was still not added. I then called again and was given the run around again. Wells Fargo is scamming customers not letting them use their cards and holding the payments made because we refuse to bank with Wells Fargo. Why would a bank with such a dysfunctional bank?
Product: Debt collection

I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus XXXX, XXXX and XXXX and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claim. LVNV FUNDING needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I write this letter with an overwhelming and enduring sense of frustration, distress, and annoyance that has festered over the excruciatingly long period of more than two years. It is an outrage that I am compelled to address an issue of such gravity in this manner. For over two years, I have pleaded, cajoled, and implored your bureau to acknowledge my identity theft claims. Yet, your obstinate refusal to do so has persisted, subjecting me to an inexcusable ordeal that defies comprehension. The relentless nightmare of identity theft has cast a shadow over my life, causing immeasurable distress and heartache. Despite the irrefutable evidence I have provided, including official reports filed with law enforcement agencies, your bureau has chosen to ignore my pleas for justice. XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Product: Debt collection

Have not received any communication, release of judgment, removal of debt from XXXX XXXX XXXX, and removal of debt from my personal credit reports etc. 

Invoice of total owed received on XX/XX/2023. Check in the full amount of {$4900.00} was mailed out on XX/XX/2023. According to records check cleared in early XXXX. 

Again! have not received any any communication, release of judgment, removal of debt from XXXX XXXX XXXX, and removal of debt from my personal credit reports etc.
Product: Credit card

I went on my credit report found this on there and me as an authorize user which I never applied or had this card this is fraud please remove off credit report. 
Bank Of America XXXX last XXXX on card. 
Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

a debt collector named National Recovery started in XXXX to put on my XXXX  credit report a uttilty debt of {$88.00}, even though my account is current and up to date with the utillity. i have provided that info with documentation to the credit beuro, and they have not updated my reportand left that collection on it
Product: Credit reporting

I 'm not sure that this is the correct option for this particular complaint. Here is the issue : I was told by a local government job placement training to check my credit report to enhance my chances of getting a job. I was told to go to XXXX, and that it was a free service. Indeed, when you first log onto XXXX, it says that it is completely free ( see screen capture attached ). All throughout the application process, it says that the service is free. 

I do n't remember ever going to the official Experian website. But I do remember agreeing to paying {$1.00} to find out what my credit rating was. Being that I am unemployed and have no substantial source of income, that is all I could afford to pay. 

Today, Experian withdrew {$21.00} from my checking account. When I called them, they said it was because I had logged on to XXXX, which is owned by Experian, and that I had agreed to pay the {$1.00} charge, but that since I did not cancel my membership after 7 days, I was charged {$21.00}. 

So, I went directly to the Experian website and at the top of that site, it says that you can get your Credit Report for {$1.00}. No mention is made regarding a " membership '' or a {$21.00} charge. In that same section is the call to action button, which says " Get Your Credit Report and XXXX Score. '' If you click on that button, which you normally would after reading what it says above it, you will have missed what it says only if you scroll down that page, in fine print -- that the {$1.00} charge is in fact a membership fee that turns into an additional {$21.00} after 7 days. 

This is HIGHLY MISLEADING AND FALSE ADVERTISING, especially if it is linked to the XXXX site. 

Also in the process of filling out the information for XXXX, I remember reading that, if you make false statement to Experian, you will be prosecuted by the Justice Department. I do n't remember where exactly I read this, but I was shocked because it gave the impression that credit report agencies are part of the federal government, which is misleading. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00}
Product: Credit card

I have a Citi XXXX issued by Sears. I used this card to have a $ XXXXpurchase in sears store XX/XX/XXXX. I updated my address in sears. 
I changed my address in the local post office. But I never ever receiveda bill mailed to me. Because I do n't use this credit card too often, and alsoXX/XX/XXXX is a holiday season, I do n't remeber this bill. 
Today, I got a call from XXXX to say I have a bill for {$240.00}, which inculde the late fee XXXX. I do n't think it is my fault to cause the latepayment. I beleive there is Something wrong about the bank or sears'ssystem. 
When I called sears, their custom service told me they just update myaddress on XXXX XXXX. I already update my address on the day I did thepurchase. 

I definitly would like to pay {$68.00}, but I request waive the late fee. becauseit is the bank or sears 's responsibility. 
I called them, also, I sent a email to dispute ( XXXX This issue have n't been resolved. 
My reference number is XXXXMy card number is ****************
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Amerisave quoted me for a refinance of my home loan and took an application online. I enter my info and found out later that the rate the lender quoted me was not for an investment property. I asked the Lender to cancel my application at that time and refund my appraisal fee and they refused to do this. I have filled a dispute with XXXX XXXX and wish to have my appraisal fee refunded ASAP. The rep I was dealing with was XXXX XXXX XXXX XXXX is also investigating this claim and Amerisave has still yet to refund my appraisal fee.
Product: Credit reporting or other personal consumer reports

Equifax stated it has completed it's investigation and contacted the furnisher for the unauthorized inquires on my credit and accurate! these aren't soft inquires they are hard inquires which caused damage to my credit report losing points! This goes to show you not only they didn't look into the matter but lied in the process of their so called investigation. Pursuant under 15 U.S. Code 1681b - Permissible purposes of consumer reports/15 U.S. Code 1681a- Compliance procedures/15 U.S. Code 1681g - Disclosures to consumers/15 U.S. Code 1681o - liability for negligent noncompliance. I can keep going on and on about my Consumer Rights! Equifax didn't reach to any of these Furnishers but I did and they don't have any record of me applying for credit! So how in the XXXX is this verified? Remove these Hard Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax already been breached and still my information is floating out there and this is the XXXX I'm told it's been verified. Equifax is stating they verified fraudulent information without doing their own independent investigation. I've submitted a FTC and I'm told their finding is accurate XXXX! if this continues I will push to legal matters and that's that! Equifax you not above the Consumer Law bottom line!
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

COMPANY AT FAULT : XXXX XXXX XXXX XXXX THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX  BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX XXXXLREADY NOW THIS COMPANY XXXX XXXX XXXX XXXX, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN 2020 XXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.
Product: Money transfer, virtual currency, or money service

PayPal keeps closing this case for a merchant who is making illegal items AND I have not / will not be receiving anything of what I have ordered as the order was cancelled. Paypal has not shown any response from the merchant. Paypal is essentially allowing the merchant to keep my money while delivering no products, and PayPal is providing no response to me ( the consumer ) as to why this is happening - despite guaranteeing a refund to me via telephone on XX/XX/2020. 
Case details Seller information XXXX XXXX XXXX 
XXXX Transaction amount {$130.00} USD Transaction ID XXXX Invoice ID XXXX Date reported XX/XX/2020 Your notes XXXX XXXX XXXX is blatantly violating copyrights and I have asked to cancel my order. I have reason to believe they will not respond. 
Your responses Date added XX/XX/2020 Your notes Why does PayPal keep closing this case for a merchant who is making illegal items AND I have not / will not be receiving anything of what I have ordered, and I do not want to do business with this merchant for all the aforementioned reasons? You have not showed any response from the merchant. The merchant is essentially keeping my money and delivering no products. If PayPal can not resolve this immediately, I am going to have my attorney get involved and I will be filing a CFPB complaint against PayPal. 
Date added XX/XX/2020 Your notes Please see the three attachments and contact me directly if you have any questions. I received no notice when you closed the dispute and I dont see  any response from the seller. I did not receive anything from the seller and I deserve a full refund, as I do not want to purchase illegal counterfeit items. 
File XXXX XXXX XXXX Your conversation with the seller You XXXX  XXXX XXXX is blatantly violating copyrights and I have asked to cancel my order. I have reason to believe they will not respond. 
XX/XX/2020 at XXXX XXXX  PST
Product: Student loan

The loans were not fully used. They sent Pioneer Credit after me, threatening to take everything i have if I did not sign up on a payment plan. I signed up paying around {$500.00} a month until it was paid off. Now XXXX is claiming I still owe everything and is harrassing me for payments. I also asked that the portion of the loans that were not used be returned since I only used less than 1 years worth. On top of the loans I had to pay the school, XXXX XXXX XXXX XXXX and XXXX $ XXXX/month. 6 years later here we are still " owing ''. I also never received anything, I was supposed to get financial aid, not loans.
Product: Credit reporting or other personal consumer reports

I am a cosigner on my daughter 's student loan. I was not properly notified of 1 missed payment on my daughter 's loan. Navient claims they did their due diligence to contact me however, the email address they had on file was not accurate. I never received an email. They claim they mailed letters, I never received. They claim they called but did not leave any messages. I never received a phone call that identified as being from Navient. Navient put a negative rating on my credit report which dropped me from an XXXX to a XXXX. They refused to withdraw the negative report. As a co-signer, Navient has the responsibility to notify me properly before unjustly affecting my credit rating. As co-signer, I can't settle anything if I am not properly made aware. Navient has refused to withdraw the negative mark on my credit report and stated that I can file a dispute but won't guarantee that it will be overturned.
Product: Checking or savings account

Issue 1 : On or about XX/XX/XXXX, PNC Bank illegally withheld my funds that had already been allocated and paid out to an assigned payee. This action resulted in significant financial and personal hardship, causing me to incur a debt of over {$10000.00} and necessitating a relocation that cost me in excess of {$21000.00}. 

Issue 2 : On or about XX/XX/XXXX, I reported fraud committed by a merchant to PNC Bank. I called PNC to report the fraud and cancel my card. I was assured by PNC representatives that the fraudulent company would be unable to make further charges on my account. However, PNC paid the fraudsters, overdrew my account, and despite my numerous phone calls pointing out my reports and providing recordings of conversations during which I reported the fraudulent activity and was guaranteed protection, my calls were met with mockery, disrespect, and outright dismissal by PNC 's phone representatives. No corrective action was taken, and my account was closed with a negative balance Issue 3 : Throughout XXXX and XXXX, on more than three occasions, PNC Bank withheld funds from checks paid to me, in violation of Federal Reserve regulations that stipulate a bank must release the funds of a payable check within 48 hours. Some of these holds lasted more than seven days. Repeated calls to PNC 's customer service resulted in being hung up on and receiving inconsistent explanations, such as PNC 's belief that the checks were fraudulent, even after verification by the payor 's bank and even after the check had already been paid out by the issuing bank/payor. This illegal withholding of funds caused me to accrue late fees, negatively impacted my payment history with certain providers, and prevented me from obtaining necessary medical treatments, leading to severe physical distress, pain, and suffering. 

Issue 4 : On or about XX/XX/XXXX, after the last incident of PNC withholding a check paid to me, I filed a complaint with PNC 's " Client Relations '' department. In retaliation, PNC blocked my access to the PNC banking app. Multiple unsuccessful attempts to restore access were met with conflicting instructions from representatives, ultimately resulting in the closure of my account without any feedback. 

Impact : The actions of PNC Bank have caused me significant financial and personal hardship, including debt, relocation expenses, late fees, negative impacts on my payment history, and severe physical distress due to the inability to access necessary medical treatments. 

Actions Taken : I have repeatedly contacted PNC 's customer service regarding these issues and received no meaningful response, other than a patronizing phone call from a representative who acknowledged my complaints but offered no solutions.
Product: Money transfer, virtual currency, or money service

there was a unauthorized deposit made to my account of {$2200.00} on XX/XX/2019 there were 5 checks deposited to my account for a company that i do not know. i am making a complaint because this is not the first time wells fargo does this the erases any transactions of deposits or withdrawals like it never happened. i wanted the money removed from my account but wells fargo denied the request.