23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My second mortgage statement with Wells Fargo shows a due date of the XXXX of the month. The statement states that a late charge MAY BE charged if the payment is made before that date. In actuality, the drop dead date for the payment is the XXXX or so of the month. There is an unstated grace period. NO ACTUAL DEADLINE OR PENALTY AMOUNT IS SHOWN ON THE STATEMENT. 

Wells gives the customer 10 days from the first of the month to pay the bill. After the XXXX of the month the loan is considered in default. When the full amount due is paid by the end of the month, the next bill shows a late payment amount. This is misleading. 

The Wells representative stated that there is no need to put actual due dates or penalty amounts on the bill since the consumer can easily read the parameters is the constantly changing financial statements. 

This is exactly the misleading billing practices that wells has practiced in the past and has been penalized for.
Product: Credit card or prepaid card

Hi I got this store credit which is from Macys store and the cashier explained it to me that I will save money I mean it will be zero interest and it will be no fee charge anything it was completely wrong I purchased one dress with XXXX and they give me the receipt and go away in home and try the dress I noticed that the dress doesnt have a tag and I went to Macys to return it even though I had the receipt and I pay with that Macys card they told me that because I dont have a tag they can not give me full price so after so much back-and-forth after one week after I spoke with different management and finally to return it for me but a crazy wasnt available I try so hard and after a while then I purchase something else and I was going to make my payment online I noticed that was close basically they close my account and we talked any notification and telling me they didnt talk to me at all when I called customer service they help me for interest for the help me for a late fee which is I dont even know whats going on and like I said they close my account and also they reporting very negative on my XXXX XXXX XXXX and XXXX because I try so hard more than 20 times to call him and talk to them but if he was me I would like to ask you to help me at this matter and address this matter for me and also regarding my Credit report please help me I am sincerely appreciate it
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also, know as XXXX XXXX XXXX ) , which is incorrect and is currently showing on my credit report. I have never paid 30-days late and when I contacted XXXX XXXXl , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 2nd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
I have repeatedly sent certified letters to Equifax and XXXX XXXX XXXXXXXX XXXX and XXXX XXXX and original creditor about these fradulent accounts and information is repeatedly being updated by credit bureaus and XXXX XXXX XXXX XXXX is simply not responding to any of my letters nor have any company validated these fraudulent accounts. I have also recently repeatedly disputed the accuracy of reporting on this XXXX XXXX account, and the results came back verified despite me contacting XXXX XXXXXXXX about this account before it was charged off on XX/XX/XXXX. The information credit XXXX company had on file for this account was incorrect during our recorded phone conversation. I gave my correct email, address and phone number during our phone conversation and was told that the information would be corrected and the investigated. On XX/XX/XXXX I was notified via phone that I would receive an email to send in an affidavit to complete and send back and I never received that email with an affidavit before this account was closed so how can this account be verified as accurate if I never had the chance to submit an affidavit when I notified you about this account before it was closed/charged off. Below I have attached all letters sent to XXXX XXXX Equifax and XXXX XXXX  about these fraudulent accounts. 


Below I have attached all copies of each certified letter that I sent to each company and Equifax.
Product: Checking or savings account

A Wells Fargo Deposit Account has been opened under my name. account ending number are XXXX non of the accounts I have with Wells Fargo end in that number. the account was discovered by XXXX XXXX XXXX ( XXXX ). I want to end mu business with Wells Fargo but before I need to Fix this. also I want all fees charge because of that account, returned to me. any advice?
Product: Vehicle loan or lease

Deceptive Advertising/Deceptive Sales Practices - On XX/XX/XXXX, I entered XXXX XXXX XXXX XXXX, VA to purchase the XXXX XXXX. XXXX, a division of General Motors ( GM ), was running a commercial ad for the XXXX XXXX with a lease payment of {$390.00} plus a down payment of {$3600.00}, taxes, and dealer 's fees. The same commercial ad stated the finance option was a .9 percent APR for 48 months. I was unaware of this commercial until the next day, XX/XX/XXXX. As a result, I signed a lease for {$740.00} for 48 months. I have excellent credit ( my score ranges between XXXX - XXXX ). I qualified for the promotion. It was not presented to me. On XX/XX/XXXX, I returned to XXXX XXXX and asked the finance director XXXX XXXX XXXX why he did not offer me the promotion. His response was, you must read the fine print, and it's a national ad. On XX/XX/XXXX, I wrote GM who referred me back to the XXXX General Sales Manager, XXXX XXXX XXXX. I asked XXXX XXXX why his sales and finance staff failed to mention the promotion for the XXXX XXXX. He responded that he had consulted with his regional manager, and they both agreed that XXXX does not have to honor XXXX 's promotion by telling me. 

Desired resolution is to void the existing lease and allow me to purchase the XXXX XXXX at the advertised rate of .9 percent APR. This was the best finance option in XX/XX/XXXX. Also, refund the difference between $ XXXX {$390.00} for the period I made these payments. 

XXXX XXXX did not offer a satisfactory resolution to my complaint. The options he presented were Option # 1- Return the car valued at {$36000.00} on XX/XX/XXXX and make a cash payment of approximately {$14000.00}. Option # 2- Or purchase the car in full, the XX/XX/XXXX payoff is {$49000.00} In XX/XX/XXXX, GM Financial increased my payment by {$51.00} for FL sales taxes. The new payment was {$790.00}. I called in XXXX, and the representative stated it is sales tax. After sending my XX/XX/XXXX letter to GM the {$51.00} sales tax was removed from my monthly payment. If I had not questioned this tax, I would still be responsible for the increased amount. Once the Truth-in-Lending disclosure is completed, can a finance company change the monthly payment? GM Financial does not provide an amortization schedule of how payments are applied, so it's difficult to know if the monthly payments are applied correctly. On XX/XX/XXXX, I was given a payoff balance of {$53000.00} after making 6 on-time payments and a down payment of {$1700.00}. The original price was {$53000.00} in XX/XX/XXXX. I have been given subsequent payoffs, but I do not trust GM Financial 's computation after they carelessly increased my monthly payment by {$51.00}. 

How many other customers have been affected by GM Financial 's coding or some other error, and customers are responsible for making an increased monthly payment? I believe there may be a widespread problem that needs investigation to ensure other Americans are not paying too much for their leased vehicles.
Product: Debt collection

The equipment was returned they say they never got it I dont control how the mail runs!!!!!!!!
Product: Credit reporting, credit repair services, 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. 

US DEPT ED # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC : # XXXX, XXXXXXXX XXXX  XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  DP OF EDUC : # XXXX, XXXX : # XXXX, XXXX : # XXXX, DP OF EDUC : # XXXX, 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: Debt collection

XXXX, XXXX, and TransUnion violated my consumer rights and privacy act under the Fair Credit Reporting Act by fraudulently placing this account in all three of my credit Bureaus. This account is also undergoing litigation for deceptive practices which are listed by the creditor XXXX and XXXX XXXX XXXX for the amount of {$1600.00} starting with acct # XXXX. 

According to USC code 1695, USC code 1681, ( A ), and subsection ( B ) which states any directly or indirectly issuance of credit shall immediately be removed from the consumer 's credit report followed by my FDCPA. These accounts are inaccurate and are in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor did not verify to be valid and not fraud practices. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must Note that the collector has to stop all collection activities until it can provide all the evidence and remove all such directly or indirectly account from my consumer 's credit report. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed Inability to show the slightest evidence, the creditor must stop all collection activities and delete the collection account from my credit report. These accounts are in civil litigation against the credit bureaus for fraudulent and unauthorized deceptive practices being committed on their behalf.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report I notice there has been a fraudulent credit card for XXXX XXXX XXXX To know me is to know I have great credit payment history. My score is great as well there is this one account that isnt a good look if I wanted to purchase a home I need it removed
Product: Debt collection

Company Name : Credit Control LLC Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Product : Debt Collection Complaint Narrative : I am filing a complaint against Credit Control LLC for violating the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, Credit Control LLC has engaged in the following unfair debt collection practices : Failure to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), Credit Control LLC placed a collection account on my credit report without providing me with the required validation information. This information is necessary for me to verify the debt and dispute it if necessary.

Denial of Opportunity to Dispute : I have not been given a fair chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). By not providing validation information, Credit Control LLC has prevented me from exercising my legal rights.

False, Misleading, or Deceptive Means : The collection practices employed by Credit Control LLC violate my consumer rights by using false, misleading, misrepresentation, and deceptive means. This is a violation of the FDCPA. 
Furnishing False Information to Credit Reporting Agencies : Credit Control LLC has furnished an account to a consumer reporting agency without providing the required disclosures by law. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1692e ( 8 ). 

Desired Outcome : I request that the CFPB investigate these violations and take appropriate action against Credit Control LLC. This may include requiring them to : Remove the inaccurate collection account from my credit report.

Provide me with the proper validation information for the debt. 
Cease all communication regarding this debt until they comply with the FDCPA. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Bank account or service

In XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged 3 monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 6 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting XXXX XXXX miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. The Bureaus are violating my rights according to the FCRA Law. Please help me have these inquiries deleted as soon as possible as this is hurting my creditscore. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED XXXX XXXX : REGARDING AN ERROR THEY CONTINUALLY KEEP REPORTING ON MY CONSUMER CREDIT REPORTS PER XXXX AT XXXX XXXX ON XX/XX/ @ XXXX XXXX STATES THAT SHE SEE WHERE I PAID THE ACCOUNT OFF, ALSO STATING THAT ITS SHOWING {$0.00} BALANCE SO I SAID TO HER THE ACCOUNT IS SHOWING OPEN AND THAT IS INACCURATE AND ITS AFFECTING MY CONSUMER REPORT. SHE REPLIED BACK AND SAID TAKE IT UP WITH THE CREDIT BUREAUS THEY ARE THE ONES REPORTING IT NOT THEM MEANING XXXX XXXX. I HAVE REACH OUT TO ALL THREE CREDIT BUREAUS AND THEY ARE CONTINUALLY REPORTING AS VERIFIED WHICH THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. ( XXXX XXXX # XXXX ) HAVE VIOLATED SEVERAL OF MY RIGHTS. 
15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

THIS COMPANY XXXX  XXXX HAS ATTEMPTED TO COLLECT ALMOST 600.00 FROM ME FOR A DEBT OF XXXX, THE CREDIT LIMIT ON THIS CARD WAS {$300.00}, THEY HAVE DOUBLED IT BY THEY HAVE SENT LETTERS AND EMAILS, TO MY PARENTS HOUSE, HAVE ASKEDD MY MOTHER IF SHE WASS MY WIFE AND ASKEDTOLD HER SHE WAS LIABLE FOR MY DEBT BECAUSE, WE ARE MARRIED THIS DISCLOSED TO MY MOTHER WHOM THEY THOUGHT WAS MY WIFE, MY AMOUNT OWED, AND THE REPERCUSSIONS, IF SHE N I DIDNT PAY THIS BILL, THEY CALL 4 TIMES A DAY, MY MOM HAS ASKED THEM NOT TO CALL, SEVERAL TIMES, FINALLY THEY told her, she was spouse and this was our debt
Product: Mortgage

This is the second complaint against TD Bank NA. ( XXXX ). I applied for a Home Equity Line of Credit in XXXX 2015. I am asking for a {$50000.00} line of credit for a rental property that is worth {$270000.00} ( according to their home inspection ). I will pay off the current mortgage ( which is under {$20000.00} ) and do a few small repairs ( less than {$2000.00} ). It was there suggestion that I ask for Home Equity Loan of {$50000.00} @ 5 % interest. Now there asking for information on my residence. I have provided them with everything I could. I have a small home equity loan ( {$32000.00} ) on my residence. ( No first mortgage -- just the he loan. ) They are asking for a statement which I provided. I deal with a credit union that provides a comprehensive statement that includes checking, savings, and loan information. TD Bank will not accept it. I went to my credit union and they were willing to write a letter, but TD wo n't accept that either. First of all this loan is on a property that THEY valued at {$270000.00}. I really only wanted {$30000.00} to pay off the mortgage and do some repairs. I have provided them with the information they requested. XXXX XXXX XXXX XXXX is willing to write them a letter but they won '' t accept it. They obviously do n't want to give me the loan and want me to give up.
Product: Credit card or prepaid card

I the Capital One customer team about using some of my personal line of credit to open a business line of credit. They told me to send a letter to the Capital One Customer Care Team at XXXX. XXXX XXXX XXXX XXXX, UT XXXX. They fraudulently reduced my credit limit without my permission saying that I gave them permission. I would like them to open my business account as they promised. 

- I sent my letter credit transfer request XX/XX/2020 - I received credit limit decrease on XX/XX/2020 - I called into Capital One on XX/XX/2020 and spoke with XXXX to have her correct the issue. She then connected me to her supervisor, XXXX who said he was unable to help. 

Credit card # : XXXX Case # : XXXX
Product: Student loan

Interest keeps going up and my loan is as much as what a house costs I do n't think the interest is correct and I am unemployed
Product: Credit reporting or other personal consumer reports

My mortgage from XXXX XXXX XXXX XXXX was removed by Equifax from my credit report. This was done on purpose by Equifax to lower my credit score/rating. Per XXXX XXXX XXXX XXXX, they are reporting and have always been reporting my mortgage to Equifax. Equifax needs to put this account back on my credit profile.