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

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX NA # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX COLLECTION XXXX # XXXX
Product: Debt collection

COLLECTOR IGNORED CEASE AND DESIST ORDERS AND CEASE COMMUNICATION NOTICES. THEY HAVE VIOLATED THE DODD FRANK ACT FOR THE LAST TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : XXXX XXXX XXXX XXXX*Balance : {$0.00}
Product: Credit card or prepaid card

The problem is my credit limit was lowered from {$500.00} to {$400.00} without warrant and I make my payments on time regularly. Never been late so how can they lower my credit limit. I contacted Walmart on  XXXX / XXXX / 2017  and I was told this information. This is unfair and I would like this matter look into as an consumer this is misleading to give me an credit limit and then change it and I never been late or behind on my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX claims a XXXX  XXXX company card was opened and used for up to {$4000.00} plus in balance and claims I used overdraft benefits or a balance transfer to send to bank accounts in my name. Bank has not provided proof of which bank account that is because I am a XXXX year old woman with one bank account to collect XXXX monthly payments. 

They need to identify the rightful owner of the account and remove it from all three credit bureaus XXXX, Equifax, and XXXX  who have taken 8 months to gather baseless material that has not helped. FCRA states that accounts due to identity theft should be blocked or suppressed within four business days of notification. The credit bureaus failed me in protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX  and experian request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.
Product: Credit card or prepaid card

On XX/XX/2020 my credit card account was used to make a purchase from XXXX for {$2000.00}, discovered this transaction after being out of the state and stuck due to Covid 19, reported the said transaction on XX/XX/2020 and Chase bank denied my claim insisting the charge was authorized and non fraudulent. 

How can charge be authorized when I haven't been home for months, I expect my card company to protect me when such a thing happens instead of standing behind a fraudulent charge. Horrible, Horrible service!
Product: Bank account or service

Hi It looks like Wells Fargo is up to their old tricks again in banking services. I just logged into my account the other day and notice a negative balance on a checking account. When I go into transaction history for the last 18 months, all i see is money being withdrawn from one account and entered into this account for Wells Fargo to withdraw as monthly service fees. 

I submitted a complaint with them and I just got off the phone with this lady trying to only credit me back for 180 days ( 6 months of monthly service fees of {$180.00} from $ XXXX fees ). The account was opened back in XX/XX/2011 and at the rate of $ XXXX in monthly service fees this will come to {$2100.00}. I want every penny back along with interest. 

They tried to get me to accept {$180.00} and then {$300.00} of payment. I want every red cent back with interest. In these hard times and being charged all of this excessive fees which put my accounts in the red, causing other checks to bounce, etc I want to be fully compensated for this and them fine heavily to stop these practices of preying on consumers with billions of dollars of late/over draft fees from fradulent business practice. 

warm regards XXXX + XXXX XXXX My Wells Fargo Account in question is XXXX. I believe this account was opened with no fees attached then changed to have fees attached and the avalanche started
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX SSN : XXXX Date : XXXX XXXX XXXX XXXX XXXX, GA XXXX : Inquiry Regarding Discrepancy in Credit Inquiries Between Equifax and XXXX XXXXDear Equifax , I am writing to request clarification on a serious discrepancy regarding the number of credit inquiries reported between your service and XXXX XXXX . When I checked my credit report directly on the Equifax website, my report indicates that I have no credit inquiries. However, XXXX XXXX shows that I have 15 hard inquiries on my credit report, which is significantly inconsistent with the information reported on XXXX own platform.The credit inquiries reported on XXXX XXXX are as follows : XXXX XXXX / XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Multiple dates : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX. / XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX and others.It is critical that my credit report reflects accurate information across all platforms, and I am concerned that this discrepancy might impact my creditworthiness.As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all consumer information they report is accurate, complete, and up-to-date. Additionally, the FCRA Section 611 requires that any dispute related to incorrect information must be investigated and rectified promptly.Request for Clarification and Resolution : Why does XXXX XXXX reflect 15 hard inquiries, while my credit report on the Equifax website shows none? What steps can Equifax take to investigate and resolve this discrepancy, ensuring that the information on both platforms is aligned and accurate? Please provide a detailed explanation of the source of these discrepancies, and whether there are any system errors or reporting issues that need to be addressed.I kindly request that you investigate this matter and provide a written response explaining the discrepancy and the actions being taken to ensure that my credit report is accurately reflected across all platforms, including XXXX XXXX.If any further documentation or information is required from my end, please do not hesitate to contact me at XXXX or via email at XXXX you for your prompt attention to this matter. I look forward to your timely response and the resolution of this issue.Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received a notice from A credit bureau company in my email today, XX/XX/XXXX that said I had a grossly derogatory report from my mortgage company. I viewed the report and they opened up a report to my credit bureaus reporting my ENTIRE mortgage amount of {$110000.00} Having been modified not under a federal government plan As of XX/XX/XXXX. 
Every last bit of that is grossly incorrect and completely 1000 % wrong!

I called my mortgage company and spoke to two supervisors and they know it is incorrect, but they can not change it until they do an investigation. In the process now, my credit is going to get horribly affected because theyve reported it to my credit bureaus, but they said they can not change it because it was done by someone in the back office in the Credit department!!!! 
My credit score of XXXX is now going to be completely destroyed because someone in their banking institution has made a disgusting and horrific error and this needs to be rectified and their financial institution, M & T Bank needs to be held accountable!!!!! 
I want this removed from my credit and any and all agencies that it has been reported to by their institution immediately and I want my credit to be reinstated as it was. 
They have made a complete and horrible error. Reporting this in the manner that they have. 
There is a Covid hardship forbearance loan that was originated in XXXX and there is paperwork and documentation that was generated which is a SEPARATE LOAN, and I have all of the documentation to proof that, and there is nowhere in that paperwork that states that this is to be reported to any credit bureaus whatsoever. 
They have made a horrendous and negligent error on my credit and they need to be held accountable.
Product: Payday loan, title loan, or personal loan

They have been calling excessively from XXXX XXXX XXXX and their caller ID says Advance America. They call once even twice a day and hang up without a voicemail, When I reported this to Advance America they denied it was them calling and said they didnt call well they called many many times and the worse part is today I was bullied about making payments and how If I pay one payment online there wont be proof of the past due amount which is nothing practically seeing as I had paid XXXX dollars on that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These public records should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Santander Consumer USA is the most predatory, self- serving establishment ever. They give no regard to their clients. I have a XXXX vehicle financed through Santander. For the past 2 years I have paid on time and have never been delinquent. XXXX XXXX I get a call that they never received my XXXX payment and to make a partial payment immediately. According to my bank statement the check that was mailed to their XXXX TX office, cleared on XXXX XXXX. When I call, I am treated like a criminal and a thief, I explained that I am trying to send my proof to them that the payment has cleared my bank. To make an extremely long story short, they only provide XXXX fax number to reach their accounting dept. They do not allow emails. I have faxed my documentation 7 times in the past week, every time I call, the XXXX individuals continually tell me, there is something with your fax maam ' we do not have your documentation, now make another payment. I have spoken to XXXX managers in the past week, they robotically repeat the same info to me, just fax your info again and check back in 24 hours. I have my fax confirmations, but nothing matters to them but protecting their own company. Tonight I am going to my local XXXX office to XXXX my documentation. The manager I spoke to insisted that I XXXX to their XXXX XXXX XXXX People do n't normally XXXX to a XXXX XXXX XXXX When I insisted on a physical address, the manager said, XXXX XXXX is the only place you can XXXX to. I found their physical address online and will XXXX to a physical address. I fear this will never get resolved and they will report me as late to the credit bureaus. They 100 % of the time, when I call to discuss this matter, remind me I am late on my payment and to please make another payment asap. Some of the rep 's have even cut me off from speaking to remind me of my " delinquent '' payment and how many days I am " past due '' ; which is infuriating when all I want is someone in this mysterious accounting dept to get on the phone with me and help me resolve this issue. As of today XXXX/XXXX/XXXX, the issue is still NOT solved. If you XXXX search Santander complaints, the web is riddled with them. How can they stay in business?
Product: Debt collection

arcadia recovery is reporting 4 accounts on my report that i have asked for validation of debt from them multiple times with no luck ... they keep coming back saying it is verified but they are not conducting a proper investigation ... .see my attachments and look at the date of last active on all of them ... notice 2 different dates..these accounts have all been re aged and i demand that they delete these now for not conducting a full investigation as these are not reporting 100 % accurately as required by law
Product: Debt collection

They constantly keep contacting me. I had a friend and me sign up for a gym membership. She signed as my adult. I stopped going because it wasnt fit for me. I then cancelled my membership online and deleted the app. Then out of no where I owe XXXX $ and I tried to contact them and they were so rude. I just wanted verification and whatnot. They then proceeded to sound irritated with me and like I was an inconvenience or incompetent of understanding. I kept asking for someone else because he was so rude. And he just kept repeating the same thing over and over again that I owe money and theirs other ways to send it in. I asked for proof or verification and they ignored me.
Product: Credit reporting or other personal consumer reports

I recognized unknown companies reporting to my credit, contacted them to ask for debt validation and proof of any contract I have with them or any product or service I received doing business with them. I was willfully met with negligence and noncompliance. Ive also filed a police report and ftc report for identity theft. This is very injurious to me and my family as I have a XXXX XXXX XXXX and cant get a car or approved for an apartment due to these companies reporting to my credit without consent or proof of debt or a contract. In accordance with the FCRA and FDCPA. There is multiple violations here.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Account # XXXX On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX  v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. 

I have requested that NCB MANAGMENT SERVICES provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NCB MANAGMENT SERVICES & the original creditor, notarized and sworn under penalty and perjury NCB MANAGMENT SERVICES ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

Account # XXXX Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Mortgage

NAVY FEDERAL CREDIT UNION is sending notices stating that my mortage is delinquent. I have not missed a payment, last month I called to inquire why they sent the notice, and I was told to disregard and that it was a mistake, this month they sent the same notice via certified mail to myself and my wife. This is no mistake. This is harassment due to the fact that I exercised my legal right to refuse a credit card debt that NFCU has been unable to validate.
Product: Mortgage

Imagine struggling as a single father of 3, all the while owed thousands of dollars because of company 's negligence and non willingness to correct their errors. Imagine calling a company hundreds of times only to be ignored. Imagine feeling rage and hearing dark thoughts because the constant sadness caused continues to hinder the improvement of related circumstances and financial stability. In my 31 years this would be considered the most angering, neglectful, and disrespectful action I've personally ever experienced by a company especially a lender. On a statement as well my records indicate on XX/XX/XXXX I had accumulated {$10000.00} in my escrow balance. This balance is also not including, XXXX, XXXX, XXXX payments with monthly escrow payment of {$770.00}. Basically it seems they lost thousands of my dollars during one of their failed alleged servicing transfers. Zillow/XXXX  has made countless mistakes the entire time of servicing my loan. One of the main issues being how I was, and still being charged monthly for taxes at a XXXX rate though I proved many times the appraisal had been adjusted. I have countless complaints I want handled in a court but for now I just want the money they have stolen, causing the new servicer to also create a negative account. I have hundreds of inquiries, complaints, phone calls, federal complaints but no at these lenders is being held accountable for neglect. The company has sent me completely inaccurate information, has deleted sensitive and critical data, and refused to resolve these issues though several employees including management has claimed a mistake they made on their end. This all has taken place during the loss of my job due to the early stages of the pandemic. Those finances could have been used for the wellbeing of my family. I have every intention to take all of these circumstances to the court as soon as I'm financially possible. This is a severe violation of every lending law and my rights. This is called discrimination and predatory lending. This is very clear violation of the law. Statements will be attached. 

Escrow Balance : XXXX Statement ( Last Stmt ) - XXXX - {$10000.00} XX/XX/XXXX - {$11000.00} XX/XX/XXXX - $ XXXX Escrow Payout : Total - ( XXXX ) * XX/XX/XXXX - ( - {$2000.00} ) Insurance XX/XX/XXXX - ( - {$5700.00} ) County Taxes Owed to me ( {$5600.00} ) The problem is also for the unapplied payments for ( XXXX, XXXX, XXXX XXXX As of XX/XX/XXXX my servicer has been transferred to XXXX XXXX and XXXX was attached. 

As of XX/XX/XXXX XXXX has stated upon a call they sold my mortgage in a few short weeks.
Product: Credit card or prepaid card

They did not tell me about a rate increase from ( approximately ) 19 % to over 25 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what these are I not aware I never received anything letter me know about these charges
Product: Money transfer, virtual currency, or money service

Took funds out of my account on Wednesday evening. 
It Friday evenibg & they are holding my funds. 

So I fo not have the funds. 
And neither does the recipiant
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax, XXXX, & XXXX, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX/dept of ed, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reportion agency can not furnish a account without my written instructions
Product: Credit card

I have been using PayPal Credit for years to make purchases online from various retailers, and have been enjoying their payment terms immensely, but I am very distressed by the fact that, notwithstanding my impeccable payment history and nearly {$4000.00} of unused available credit, this account is not reporting my credit behavior to the credit reporting agencies. PayPal Credit functions essentially identically to a credit card, and it runs a hard inquiry on your credit report when you apply for it, so I do not understand why it is permitted to withhold valuable consumer information about its users from the reporting agencies. There should either be a requirement that any creditor who runs a hard inquiry as part of their evaluation about credit issuing decision has to make regular reports to the agency they use about the credit behavior of their borrowers. Alternatively, borrowers should have a way to report their own credit behavior to the agencies.
Product: Checking or savings account

On XX/XX/XXXX, my paycheck was garnished by Navy Federal Credit Union in the amount of {$3500.00} for a previous credit card that was charged off. Im a XXXX veteran that was unable to work for 11 months until recently last month I was well enough to get a job. I depended on this money to pay my rent and utilities plus credit card bills, but they took all {$3500.00} and left me with {$63.00} in the account. I have now lost my apartment and am living on the streets. Thanks to NFCU.