23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX   XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 
1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 
2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Checking or savings account

Took my then XXXX XXXX XXXX mother with XXXX to the bank to change her account to one that has no fees ever. The bank changed her account and PROMISED NO MORE FEES. Well the bank changed the account without any notice and began charging XXXX dollars each month, now XXXX dollars total. I went to the bank as soon as I could and even though the same girl ( ms. XXXX ) remembered us changing the account. She pretty much said, they would not credit her account. I asked for the branch manager but was told he was out sick and may not be back for a while I then asked her to call the district office she said we don't have that number. I tried XXXX Suntrust 3 times talking to 3 supervisors. None willing to help. 
Banks can not steal from the elderly, especially elderly and sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1971 I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. 
XXXX  XXXX XXXX  XXXX {$1000.00} XXXX  XXXX XXXX  XXXX {$530.00} XXXX XXXX  XXXX XXXX {$0.00} SANTANDER CONSUMER USA XXXX {$12000.00}
Product: Checking or savings account

XXXX unauthorized charges were withdrawn related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the charges and received a replacement debit card. After XXXX investigations by Wells Fargo, my claim was denied. I also contacted XXXX, and they have no record of these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported I owe them money in the XXXX XXXX XXXX XXXX do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms in accordance with the Fair Credit Reporting Act Convergent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for 'Delta Skymiles Gold Card ' from Amex on XX/XX/2021 and it says the sign up bonus would be XXXX miles given I spend {$2000.00} dollars within 90 days. 

However, they only gave me XXXX miles and said the the bonus offer would be that amount. They asked me for the email that describes the offer that I got but they never sent me the email regarding the promotion and I also couldn't find any information on the website either.
Product: Checking or savings account

I have noticed incorrect and/or, 3rd party notifications. With, incorrect balance ; leading to charge declines at POS. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} ; from : confirmation XXXX ( XXXX XXXX acct XXXX ). This was not reported on my balance. There are many XXXX refunds totaling $ XXXX. Also, a refund from XXXX, for {$3200.00}. I have confirmation of these refunds but, they were not reported. There were incorrect charges on my recent travels, totaling $ XXXX. Covid rules, caused my trip to be stopped during a layover. I had to cancel unused trip expenses, because my airline would not allow my flight, due to Covid restrictions. 
There have been unauthorized charges of ; fees, after service ; amounting in $ XXXX dollars. This has happened while I have been travelling. Inaccurate balance notifications, during my trip has caused distress.. 

After, I reported these errors and cancellations to Wells Fargo, they advised that they will be closing my account. Please insure my deposits. I had {$50000.00} in my account in XX/XX/2020. I am always aware of my actual bank balance. I do not spend more than I have accounted. 

My Wells Fargo account number is : ( routing XXXX ; account XXXX ) Thank You, XXXX XXXX XXXX XXXX
Product: Credit card

My XXXX was in a XXXX in XXXX. He had XXXX XXXX XXXX XXXX XXXX. We have insurance but there were initial problems with coverage and we were to pay out of pocket and seek reimbursement. XXXX plan was to go through his XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested {$500.00} from us to pay for this. All payments are up front in XXXX. They do not work until payment is made. XXXX was set for XXXXXXXX XXXX the next day. Later that night insurance approval came for payment of {$10000.00}. The XXXX than changed their plans and did not due the proceedure for 4 days. Did not perform it properly and did not get the stone. Charged ins co {$3700.00}??? Then waited 3 more days to try again this time getting the stone. And at this point they used up exactly the XXXX of the insurance policy???? They stated, and it was not true, that it was urgent my son than have his XXXX XXXX XXXX XXXX. The charge was {$3700.00} which we paid by {$310.00} through Discover and {$3400.00} XXXX XXXX. The operation was completed but there were problems. After the clinic demanded {$500.00} more as my XXXX was XXXX but they would not allow him to leave until they received this money. It was for a gurantee. Which is not for services made but potential billing issues. I did not voluntarily provide the card. But as my XXXX was being held XXXX I did so. Proper treatment for my son would have been to simply go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX out at the XXXX XXXX time the first day of admittence. It would have cost {$500.00} and insurance would have paid {$400.00} of it. Instead my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XXXX XXXX. We have filed suit against the XXXX in XXXX, Discover Card is equally liable. The case has already had a hearing where they have determined probable cause. They have demanded a certified copy of all medical records. The XXXX  has denied. A second request has been made. It is a criminal matter not to comply. Medical malpractice is also a criminal as well as civil matter in XXXX. Lots of problems with medical care there. Now we already have a copy of the records from the insurance company which confirm mal practice. The XXXX is aware of this. If they provide the same records there is a problem. If they change them that is a second problem. They are stuck. We have not named Discover on this action as of yet. We are hopeful they will simply honor the charge back.
Product: Checking or savings account

It has been beyond 90 days merchant has not answered there fore I should have had my funds in my account according to the agents from card services department.
Product: Credit reporting or other personal consumer reports

regarding capt one accnt number XXXX. I would like to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Product: Mortgage

I had a loan modification offered, notarized and recorded as of XX/XX/2022. Nations Dircect Mortgage has not updated the balance nor the partial claim that was approved by HUD. I am not able to get the correct payoff and they just tell me to wait. I have the wrong amount showing, they know they have the wrong amount showing but no one there can actually update their own system to reflect the correct balance? HUD replied to me that they have not received the final package from them. How how is this supposed to take and is this normal?
Product: Credit card or prepaid card

I have two plans under my XXXXXXXX XXXX XXXX  serviced by Comenity Capital Bank. One of my plans is a 6-month no interest promotional plan ( expires XX/XX/2020 ) and the other is a 60-month low interest plan. The online payment system does not allow me to allocate my payments to the appropriate plans so I decided to pay off the promotional plan. 

I made a payment to close the the 6-month no interest plan and have been working with Comenity to remove that plan from my account for the past several months. Everytime I contact them they tell me that they have allocated my payments towards the promotional plan and closed it and that this will be reflected within the next 72 hours or the next billilng cycle. 

After several months of this, I still see the promotional plan on my account and it is getting close to the end of the 6-month where I will then be charged interest and other finance fees.

I have made the complete payment towards that plan and I am getting frustrated that Comenity is not closing that plan! As I indicted above, they may try to say I have not made the payment and try to charge me interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc violation and all the doc 's to proof that these accounts are not mine to the best of my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$2700.00} {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} {$290.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$6800.00} - - Installment Negative XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX  

XXXX {$100.00} {$500.00} 20 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$500.00} 140 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$800.00} 130 % Revolving Negative XXXX XXXX XXXX XXXX {$14000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$4900.00} - - Installment XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item that was removed from my XXXX Credit Report. Experian said they investigated it but it still remains.
Product: Mortgage

Your website states that " Payments that are scheduled with an effective date after the first 10 days of your grace period will be charged a {$5.00} fee. '' I believe this constitutes a " pay to pay '' type of structure. 

Charging a fee to pay by web is a generally unallowable practice. I would like an explanation as to why PennyMac charging a fee is appropriate for using their online service based on what day of the grace period you schedule your payment for. I would expect I could pay online on the XXXX of the month ( within my grace period ) and not incur an additional expense. 

Potential UDAAP impact. This may be a stretch considering you do disclose the fee on your payment interface, but I wanted to add this considering the regulatory definition of UDAAP is rather vague.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXXXXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA   XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, CA  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME
Product: Mortgage

Carrington reversed mortgage - father passed away and I inherited house. Called and told them XX/XX/year>. I said I was selling. They told me what I needed to do. In XXXX of XXXX house was sold. The day before closing I was handed foreclosure papers. BUT EVERYTHING I WAS SUPPOSE TO DO WAS DONE. Carrington claimed I didnt do it. They charged me {$3800.00} ( roughly ) to foreclose - but that NEVER HAPPENED! I want my money back! They are so XXXX! There are so many complaints against them!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Phoenix Financial Services LLC is reporting two collections on my credit report and after submitting several documentation proving that both of the medical balances have either been cleared or on a monthly payment plan arrangement they have not removed the derogatory marks from my report. I have received numerous calls from their company harassing me and even after I blocked their number they use other numbers to contact me. After being harassed by them so many times I decided to change my number which caused me to loose clients and lose money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 
[ Dept of ED/ XXXX ( account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX  XXXX  XXXX account # XXXX ) Balance XXXX ] Fraud Account ] [ XXXX XXXX XXXX account # XXXX Balance XXXX ] Fraud Account ] [ XXXX  XXXX ( account # XXXX Balance XXXX ) Account never late please remove negative information. ] [ XXXX XXXX  ( account # XXXX Balance XXXX ) Account never late please remove negative information. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

I demand the late payments to be removed off of these accounts from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Checking or savings account

I am a simple customer who is now unable to access my funds because BBVA USA botched the transfer. Ive been locked out of my account since XXXX  evening without the ability to transfer my funds. I called and all I got was an automated message saying theyre giving technical issues but wont give a estimate on how long well have to wait for a fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.
Product: Debt collection

This company is reporting false information regarding a medical debt that is not mine. I was recently denied an extension of credit because of this false debt. 

I contacted the company and they refuse to give me information unless I comply with HIPPA. But, there is no way I am giving them my personal information, as they already admitted they do not have my social security number or any portion of it.
Product: Money transfer, virtual currency, or money service

A merchant I used to purchase goods used as Zelle as their form of payment and I never received my goods and when I contact zelle, they would not refund me.