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

Yes I recently have been living for adjusting my own grounding per independence in my new life away from past individuals and have been struggling with a few things. I had placed a freeze on my credit reports ( s ) credit impacting scale and since then have called multiple times to have it removed. Then once I tried logging into it, I can still no longer exercise the right to access it along with have financial usage in my everyday living. I am very hurt and getting frustrated with this issue. If you'd please help me in fixing this concern of mine I would appreciate it.

It is the denial and or failure to accept my submissions via usage of my social security card that I am battling and tired of and annoyed. The frustration is extreme and I need it to be acknowledged immediately. I can not live comfortably with this type of stressing roadblock. If you'd please remove the freeze on my credit report immediately I would appreciate it. Via telephone call they agreed to remove it however it still is not accessible. Along with bank accounts being misplaced and in notified correctlt. If you'd please look into it as I can not live a life with disarray being the holding of my account security
Product: Mortgage

Atlantic Bay Mortgage recklessly double paid my homeowners mortgage even though I had already timely paid it directly with XXXX XXXX and informed Atlantic Bay I had paid my premium timely. Because of Atlantic Bay 's avoidable mistake, I have been financially harmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and Experian is giving me a hard time. They refuse to delete items off my credit. I will upload documents verifying my correct address. 
My correct address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NC XXXX. 

Incorrect addresses on consumer report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete off credit report
Product: Debt collection

I was sick because of a XXXX of which now i have XXXX XXXX from the hospital directly, XXXX, and a XXXX because of my XXXX they advised me if i had any issues that they could be resolved of which when i was very very sick that they had taken advantage of me and my mental staite and condition of which i advised the installer of the home security system of and the company assured me of any issue that they could be worked out however they was not they Hillcrest Davidson and Associates sent me a letter threatening to take me to court which was illegal they didnt they just ruined my credit and charged me for 5 years of an alarms system because i missed some payments due to sickness in the amount of XXXX i call the company of which the security system came from they apologized to me for this happening to me but they said that they could do nothing for me, this company has left their home alarm service in my home of which they refuse to pickup and i am being charged for it and 5 years of service this is extortion for such a system and a 5 year contract at first i was OK but now after experiencing their customer service and that the collection agency is arrogant against me i just want this all to end and my credit returned and restored before them. under the Federal trade comission this is a XXXX fine that they should be fined for sending me such paperwork but i want the federal trade comission to contact the credit bureaus for what they said under my multiple disputes to have this removed and then contact the debt collector and fine them so that they cant lie about what was sent and communicated to me.
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 Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 card or prepaid card

On or about XX/XX/2021, I made a purchase of a product and software service from XXXX for total cost of {$1000.00}, using Affirm credit services. XXXX failed to provide the product as described and sent a product that was far beneath what was advertised ( both the hardcopy material and the software ). I immediately contacted the XXXX, on or about XX/XX/2021 asking for a refund as I planned to return the products ( there are various emails of this ). XXXX refused, referring to their no-refund policy, which apparently fails to account for defective products and false advertisement. I then contacted Affirm, as the credit provider, on or about XX/XX/2021 to help resolve this matter. Affirm took no meaningful steps to resolving the matter, instead they only kept asking me to provide more information that I had already provided. They wasted time and finally asked me to pay them, saying that there was nothing that they could do to resolve the other company 's provision of a defective product and service that they refused to refund me for. Now, Affirm is trying to report the claim on my credit report and keeps calling me asking for payments. 

I would like to file a case against both of these companies and ask that they stop trying to charge me for a defective product that they refused to accept in return and to refund me for, as would have been appropriate.
Product: Student loan

I applied for the XXXX XXXX XXXX program. I sent in the application after working at XXXX XXXX XXXX for 5 years as a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX. In section two of the application, I marked that I XXXX  at an eligible XXXX XXXX then below that it says to check all that apply so I checked the box that says that I was a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX  with a forgiveness amount of up to {$17000.00}. Then I also checked the box below that because it also applied to me since being a XXXX XXXX I am also considers a full-time XXXX XXXX XXXX with a forgiveness amount of {$5000.00}. When I got the letter back from the loan service that said my application was accepted in XX/XX/XXXX2017, they only forgave {$5000.00} when it should have been {$17000.00} since I am a full time XXXX XXXX. So when I called about this I got many different messages, some people sent me to other places when later I found out that they do all of the paperwork and accepting in house. Then one person told me since I checked the second box they are required to only forgive me the lowest amount. Then I had to have my XXXX send in a letter on district letterhead that said I was a full time XXXX XXXX for those years. This is not necessary and they are making me jump through hoops that I should not need to jump through since I followed the instructions on the application form.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CAPITAL ONE / XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WAS GOING OVER MY CREDIT PROFILE AND NOTICED SOME THINGS THAT DON'T BELONG TO ME OR MY ACCOUNT AND WOULD LIKE THEM REMOVED. 

LISTED ARE THEY ACCOUNTS THAT I DO NO KNOW AS BELONGING TO AS LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DEMAND PROOF OF VALIDATION OF DEBT THROUGH ORIGINAL CONTRACT WITH WET SIGNATURE, FORWARD FLOW AGREEMENT, OR CHAIN OF ASSIGNMENT.
Product: Credit reporting

equifax said i have to many deliquinces i have none at all through XXXX XXXX this was the report information XXXX XXXX gave me this info on my credit when they checked foe an equuty line a credit
Product: Credit card or prepaid card

American Express increased the minimum payment percentage without notifying me or my consent from 1 % to 2 % of the cards balance. 

My first payment made for the 2 % minimum was XX/XX/XXXX. 

I called them about the situation, they stated that they sent an email notifying all cardholders of this increase in minimum payments. However, I have no email from them. 

I asked them to resend the email that originally sent. They stated that the marketing department is over that issue and there is no way to get in touch with them. 

After a few minutes of nagging, I convinced the customer service representative to contact a manager about the situation. He did so and said that they will resend the email if the notification. 

This call took place late XXXX. I still havent received the email of the notification for increasing the minimum payment.
Product: Credit card or prepaid card

This is in regards to a BusinessLine Mastercard with Wells Fargo.I had an  outstanding balance with favorable interest rates ( adjustable based on some index ) that had no expiry date ; it was offered to me more perhaps close to 10 years ago. Because I had a large amount of unused credit, last year the bank offered 3.99 % for 12 months. I called in to ask if payments would be applied to the balance with lower interest rate ( which I wanted because it has an expiry date ) and was told yes. However, in reality that is not the case. Some amounts were applied to the lower interest rates but some to the higher one. When I called in to request that all of the payment ( after interest and bank fees ) to be applied to the lower interest rates ( which has upcoming expiry date ), I was  told that that's not possible because they " can not make adjustments ''. When I asked why the payment was not applied to the lower interest rates as I was told, the reply was that that's the general practice but not always and I was referred to some fine prints that says the bank can decide how to apply payments. Most of the phone reps didn't even know about this fine print. I talked to three different phone reps and when I said payment was not applied to lower interest rates, they all initially seemed to think that their computer made a mistake!
Product: Checking or savings account

XX/XX/2021 The XXXX Family Trust XXXX XXXX XXXX XXXX XXXX, CA XXXX Wells Fargo Claims Assistance Center Check Fraud Claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX Subject : Claim # XXXX Dear Check Fraud Claims Department : We are in receipt of your letter of XX/XX/2021 ( attached ) indicating that you will not take further action on the possible fraud on our account. You indicate that this needs to be resolved directly between you and PAYEE. However, we have no knowledge whatsoever of the PAYEE that you allowed to deposit this fraudulent check into a personal Wells Fargo account. 

Your initial determination based on our request is not acceptable because Wells Fargo clearly accepted a tampered check, apparently deposited remotely by smart phone based on the language on the back of the check. On XX/XX/2021 one of your employees reviewing the check after deposit called us to indicate that it was a tampered check and that we should call the fraud department of Wells Fargo immediately. The check had already been posted on XX/XX/2021 so it was too late to put a hold on it. 

Please review the enclosed cashed check number XXXX which we copied from the Wells Fargo website. I wrote the check to XXXX for {$14.00}. The check was modified to 1. change the XXXX to XXXX  which doesnt match the first name signed on the back of the check 2. include a last name Gibson and 3. change the amount from {$14.00} to {$400.00}.

An untrained eye can clearly see the first name on the front of the check XXXX  doesnt match the first name on the back of the check XXXX XXXX Second, the name XXXX added to the payee line on the front of the check has the same handwriting as the XXXX on the signature of the back check. Next, there is a faint 1 in front of the 4 in the digits portion of the check. Also, in the amount written out in words, one can clearly see that after the Four there was a teen that has been partially erased. Lastly, the 55 handwriting in the digits portion does not match the 55 over 100 in the written-out portion. Because of these clear fraudulent modifications to the check, we conclude that Wells Fargo acted in error in accepting a check that Wells Fargo identified as having been tampered with. 

Please deposit the {$400.00} back into our checking account that was erroneously withdrawn by Wells Fargo based on this tampered check. We have reported your lack of action thus far to the Attorney General of the State of California, Consumer Complaint of a Business/Corporation as well as the Consumer Financial Protection Bureau regarding this matter. 

We look forward to a positive outcome from you shortly, With regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Cc : Consumer Complaint Against a Business/Corporation , Public Inquiry Unit Office of the Attorney General XXXX XXXX XXXX XXXX, CA XXXX Cc : Consumer Financial Protection Bureau , filed on line at XXXX XXXX XXXX XXXX : Wells Fargo letter dated XX/XX/2021 Front and back of cashed Check # XXXX from Wells Fargo website
Product: Credit card or prepaid card

Hello, On    XXXX   XXXX   XXXX    I received a letter via  XXXX  from  XXXX  in reference to my  XXXX  Gold Card membership. The letter stated that an annual fee of {$990.00} would be assessed starting    XXXX   XXXX   XXXX        The reason why this is problematic and why I 'm filing a complaint are as follows : -I was approved for having the {$990.00} annual fee waived as well as 0 % APR on  XXXX     XXXX   XXXX      -At that point, I had conducted balance transfers from other financial institutions in an effort to consolidate my debt ( posted   XXXX   XXXX   XXXX   ).
Product: Student loan

I received a call from a XXXX a representative from XXXX XXXX acct number XXXX on Wednesday XX/XX/2023 @ XXXX. Upon answering the call, I asked if I could call them back as I was at work in the middle of seeing XXXX. XXXX told me that I had to give her call at XXXX by close of business on XX/XX/2023 and I said okay. I never knew it was a collections call. I tried calling back, left 3 messages and never got a call back. The next thing I get is a collections letter from Key2Recovery Collection Agency acct # XXXX saying that I owe XXXX XXXX {$5000.00}. I immediately called the Collection agency back and informed them that I shouldn't be in collection due to the fact that the loan servicing company XXXX XXXX acct. number XXXX told me that my loan was hold due to the Pandemic and the fact I wasn't working regularly. When speaking to XXXX XXXX she told me she would contact the College and send me all information related. Once I got the information, I called back and was informed that I never had a loan through XXXX XXXX but I had an Account Receivable Account and that is now in Collections and I had to pay it or it will affect my credit. I then got a phone call on my job in which I never gave these people my number and they told my job it was a collections call and they had to speak to me then the call was transferred to me. I immediadely told them I was at work and that it wasn't acceptable for them to call me there and the representative hung up and called my cell phone, but I just said " I'm at work. She then told me that I was refusing to pay and I never said that, I said I should not be in collections and that if I had to pay that I would begin to pay what was agreed upon by myself and XXXX XXXX since I am working now. She said that it is unacceptable and that I had to pay peroid. The said they had no knowledge of payments to launch servicing
Product: Credit reporting

I have provided documentation to all the XXXX reporting agencies and only Equifax has chosen to leave the tax lien, which was found to be an error by the state of XXXX, on my credit report. I have done everything that I can do on my end to resolve this issue. Please assist me in anyway that you can.
Product: Debt collection

I received a call from this company saying I had an owed debt and that I either need to pay {$7000.00} in settlement or pay {$2200.00} in order to set up a payment plan. I told them repeatedly I can not afford that amount and they insisted if I do not pay either of those amounts that I would be sued, despite my trying to set up a payment plan arrangement. I have received no notification via mail or email saying anything about legal action and all of the reviews listed for this company say this is a fraud tactic. Additionally, I was told unless I provided my bank account information they were going to close my file and that I will be sued if not. Then they said I had until XX/XX/2023 to pay or the creditor would take legal action. I've received no proof or declaration of legal action and I feel I was coerced into providing my bank information under the threat of legal action.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Cease and Desist Communication Regarding Alleged Debt Dear XXXX XXXX XXXX XXXX  XXXX This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter. 

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

On XX/XX/XXXX, I took out a loan for {$1200.00}. I managed to make XXXX payments, but then I encountered some health issues that prevented me from continuing. I reached out to the lending company to explain my circumstances, and they were quite understanding. Unfortunately, during that time, I went through a series of significant life changes, including a difficult divorce, which caused me to lose track of the debt. Eventually, the creditor handed my account over to a debt collector, who did not reach out to me regarding the outstanding amount. On XX/XX/XXXX, I was shocked to receive a notification from my employer stating that my wages were being garnished due to this debt from a decade earlier. The debt collector never made any attempts to contact me about the debt. I discovered that the debt collector had used misleading tactics and unfair practices purposely to collect what had ballooned to an astonishing 95.25 % in interest. Current garnishment amount is {$5800.00} The debt collector has refused to respond to any of my forms of communication to stop the garnishment.
Product: Credit reporting or other personal consumer reports

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my Equifax, XXXX, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXX  XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX {$300.00} XXXX XXXX XXXX XXXX, XXXX {$580.00} XXXX AND XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$90.00} XXXX XXXX XXXX XXXX, XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX  XX/XX/XXXX {$470.00} XXXX XXXXXX/XX/XXXX {$470.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {$1100.00} for the purchase of a computer by the XXXX XXXX ( XXXX XXXX ). I subsequently returned the computer for a full refund. On XX/XX/XXXX I was credited an incorrect amount of {$1100.00} by my credit card company and bank, U S Bank. I spoke with the merchant on the morning of XX/XX/XXXX, and they advised me that they had refunded the entire amount of {$1100.00}. US Bank has been unable to resolve this issue. I am requesting that U S Bank Credit Card Services issue a corrected refund in the amount of {$1100.00}. U S Bank has not been able to remedy this situation after forty-five minutes spent on the phone with their customer service department. I appreciate your assistance.
Product: Credit reporting or other personal consumer reports

I am submitting this report to address the severe violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by XXXX, XXXX, and Experian. Unauthorized accounts opened with XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX constitute identity theft. Moreover, numerous FDCPA violations, including harassment, false representations, and failure to validate the debt, have been committed. Despite being informed, XXXX, XXXX, and Experian have failed to correct this misinformation on my credit report, damaging my financial reputation. I demand immediate action to rectify this injustice. 

XXXX, XXXX, and Experian are in violation of FCRA 1681 ( 2 ), mandating the immediate removal of fraudulent accounts. Furthermore, I have not given permission for XXXX, XXXX XXXX XXXX, XXXX, and XXXX to furnish false information. Their unauthorized dissemination of inaccurate data violates my privacy rights. I urge prompt investigation and enforcement actions to correct these violations, uphold consumer rights, and prevent further harm.