23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This was a credit card that was taken out in XXXX 2010. Now I am interested in paying off the debt. {$130.00} and {$50.00}. 

Having difficult finding out which party is the debt through. From my credit report, I google Global Payments to find out the number - there were XXXX phone numbers listed - Then called the original debt person at XXXX XXXX XXXX - and talked with XXXX XXXX in finance XXXX XXXX XXXX she gave me the VIP Card holders number- XXXX XXXX XXXX - When I called that number - the account was sold to XXXX - XXXX XXXX XXXX. When I talked to XXXX XXXX, they shared they did not have the account. ( It was shared that XXXX was no longer working with XXXX XXXX in XXXX, IA ) I called the VIP Cardholders again, and could not find me in the system - I called XXXX XXXX - XXXX XXXX told me to call the VIP Cardholders again. At this time, I felt like I was on a carousel trying to settle a debt and improve my credit status.
Product: Money transfer, virtual currency, or money service

I have been locked out of my account when there is existing assets and funds. 
I have tried to contact every form of their customer service but haven't received any help.
Product: Debt collection

Received a garnishment order for my company after they were informed multiple times that there are no wages to garnishment and that I am judgement proof on a debt from over a decade ago. There is a second filing received today for wage garnishment when again there are no wages to garnish and no assets to file against. 

They refuse to stop pursuing the debt even though the situation has not changed.
Product: Checking or savings account

Good afternoon, I am wishing to file a complaint against Frost Bank, located at XXXX XXXX XXXX XXXX XXXX, in XXXX, TX XXXX for unfair banking practices and under the Fair Housing Act of XXXX Earlier this day, I came into the Frost Bank location ( address listed above ) to open a checking and savings account for myself, XXXX old and to establish a new community financial institution for security of my funds and much more. Upon entering the location, I was told to wait, and was pointed to sit in a conference room and wait to be seen. After 30 minutes or so, I was greeted by a representative ( who did not offer to move us to a private office ) but asked for several pieces of identifying information which I provided. After hearing some mumbling between her and another colleague, she returned to me and said, " Unfortunately, we can not open an account here for you. We did not run a credit check, but we use a XXXX, and your score was a little lower than what we accept. '' I asked her, " How is that possible. I've never owed anyone, my credit score is well above average, and all of my banking accounts are with XXXX XXXX. '' She didn't respond, she just nodded her head, as I was speaking and smiled. '' Before leaving, she did not offer any resolution, and no information was given to me to investigate this matter further. Not only was this unfair, but having my son with me, to see how to open an account, and I had no explanation for him, was even more disheartening and embarrassing.
Product: Credit reporting or other personal consumer reports

I applied for several mortgages within the 45-day mortgage shopping window, between XX/XX/year> and XX/XX/year>. The first inquiry was XXXX on XX/XX/XXXX ( Rocket Mortgage ), then EQUIFAX MORTGAGE SER ( XXXX XXXX ) on XX/XX/XXXX, then XXXX XXXX ( New American Funding I believe ) and EQUIFAX MORTGAGE SER ( I believe this was from Better ) on XX/XX/XXXX. These were all for mortgages from four different companies within the 45-day shopping window, and according to consumerfinance.org, " Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. '' However, these are showing as 4 separate inquiries on all of my credit reports and have significantly dropped my credit scores as a result. XXXX does not have a dispute process online, Equifax did not have a way to dispute multiple inquires, only invalid ones, which these were not fraudulent, and XXXX does not allow disputes of inquiries online. 
I called XXXX on XXXX and they were unable to help. 
I spoke with XXXX on XXXX and arranged a call back by a supervisor. I spoke to a XXXX supervisor on XXXX and they said they would not remove the inquiries unless they were fraudulent. I explained repeatedly that they were not fraudulent but they should only appear as ONE hard inquiry per the CFPB website and consumer protection laws. They just argued with me and would not tell me how to get the issue resolved or what documentation to provide.
Product: Vehicle loan or lease

I was XXXX XXXX  the summer with XXXX XXXX XXXX XXXXXXXX I notified the loan company of my XXXX  and was XXXX XXXX XXXX  but I paid what I could but was not the full amount during the two times I was ill. Ask was there anyway I could get a lower payment plan or even a deferment being I was XXXX and could XXXX XXXX to make the full on time payments they clearly denied me I continue to make small payments but still I paid they had me thinking I had to pay the whole time I was paying late fees and interest rates instead of my payment to catch me up when I was ill then they repossessed the car without letting me know it was even up for repossession I had just spoken to a representative 24 hrs prior to the repossession. They wont reinstate my loan they showed no empathy during the time I was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to XXXX EXPERIAN XXXX as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!
Product: Checking or savings account

Dear Capital One Customer Service, I hope this message finds you well. I am writing as a loyal Capital One customer of over 25 years, during which time I have maintained multiple accounts for myself and my children. Throughout this long relationship, I have always valued the services provided by your bank. However, recent developments have left me feeling deeply concerned and dissatisfied with how my accounts have been handled. 

It has come to my attention that Capital One has been offering a significantly higher interest rate of 3.7 % on a 360 account. However, I was not made aware of this opportunity, and instead, I have been earning less than 1 % interest on my simple savings accounts for many years. This omission feels like a deliberate hiding of information, and as a result, I feel that I have been deprived of potential earnings that I could have gained through a higher interest rate. 

Additionally, I have experienced multiple questionable charges that have gone through on my accounts, totaling over {$500.00}. These charges were recurrent and occurred on the same day, yet I never received any notification from Capital One regarding these transactions. This lack of communication, coupled with the nature of the charges, raises serious concerns about the security of my funds with your institution. 

Given these circumstances, I am requesting that Capital One take responsibility for the money I could have earned through the higher interest rate over the years. I would appreciate it if you could retroactively compensate me for the difference in interest for all the accounts I have opened with Capital One. 

I have been a loyal customer for many years and expect the bank to take these concerns seriously. I look forward to your prompt response and a resolution to this matter. 

Sincerely, XXXX
Product: Debt collection

Last night, XX/XX/2018 I received a call from my mother explaining that Wells Fargo had drained all of their bank accounts. Unfortunately, my checkings account was still linked to my dad even though he never uses it himself and all money in that account is made and used by me, a financially and legally independent adult, which could be proven with the tranctions therein. However, I didn't have authority to unlink him from my account and he didn't take action in time to unlink himself. So, I understand that because the account is technically joint, Wells Fargo has a " right '' to set-off any money for debts that my father owes. So I was hit with the following transaction : XX/XX/18 Legal Recovery Set-Off, XXXX {$1900.00} But I just find it absurd how I haven't been given any information prior nor any useful information after trying to contact them. Any attempts to contact them are met with " there's nothing on your account, your dad would have to contact us, it's a government thing, we don't have any other information for you. '' etc. I've called the number on the transaction, their XXXX number, and emailed them all to get mostly non information. They are making no attempt to work this out with me or even explain to me what exactly is going on. This will disrupt my ability to pay bills in the near future.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX  party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XX/XX/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 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 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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

Called out of the blue by the data for a debt they claim from 5 years ago. I asked for statements and proof. They refused and yelled at me for not agreeing to pay the debt over the phone without proof. Very unprofessional and rude.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX, Public Record - XXXX XXXX CT FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Egg has placed a account on my credit for {$8900.00} on XX/XX/2022. I have called and disputed with them asking them to show me a signed contract with my name, but they refused and stated they have no signed contract. I was told the money was placed in an unknown account that is current closed out ( I had to investigate ), but Best Egg refuses to help me. 

They have a very rude team, and never call back when they say they will.
Product: Credit reporting

The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to Experian and 30+ late to XXXX. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report.

Fraudulent Accounts 1. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} Unauthorized Inquiries 1. XXXX - Date : XX/XX/XXXX 2. XXXX XXXX - Date : XX/XX/XXXX
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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 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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$7500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

Here 's another complaint about Wells Fargo placing unfair and deceptive holds on my deposits. I deposited another check for {$500.00} at the ATM and there was NO MENTION of a hold at all. Then the next day, WF places a hold on the check without informing me ... Again, to basically try and scam me on overdraft fees. Now here 's the kicker ... they send me a letter in the mail saying " if you were not informed of the hold at the time of deposit, we will waive overdraft fees if you contact us. '' So basically they are saying they will scam you for Overdraft fees and unless you happen to be proactive and call them, they will steal your money. THIS IS CLEARLY AN UNFAIR AND ABUSIVE PRACTICE. I am disgusted and the CFPB needs to sue WF over the abusive deposit holds. Why should I have to call to get fees reversed? What if I never received the letter and never even knew? WF needs to reverse these fees without consumer action being taken. Very disturbing behavior again from WF. Also, they refuse to tell me why they are even placing the check holds to begin with. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I was harassed by The First National Bank of Omaha with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the First National Bank of Omaha and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feedingy family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from The First National Bank of Omaha demanding payment. 
This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The First National Bank of Omaha claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against The First National Bank of Omaha and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.
Product: Credit reporting or other personal consumer reports

Please disreguard complaint XXXX. The complaint was not complete. This new complaint is complete. 

I have submitted several letters ( some certified ) requested an update of personal information and disputed several inaccuracies. I know that some information was updated. My phone number was updated so I know the letter was received because I just changed my phone number when I moved to XXXX XXXX. Some of the addresses are inaccurate and some of the addresses are not mine. Some of my information has been updated like my phone number which lets me know that the information was reviewed and not completely updated. I just moved to XXXX XXXX and I changed my phone number to coincide with my new residence. Which has not been updated. Before the move I had a phone number for 20 years with an XXXX XXXX area code. The addresses are inaccurate because I no longer live in the XXXX XXXX. Some of the addresses are my exs and I never lived there and I wasnt married to him yet. I never lived in XXXX, Texas, Florida, Indiana, Colorado, XXXX, California, Illinois, or Pennsylvania. Credit information was comingled and I want the files removed. What was the investigation process? Why is his information on my credit report? Some addresses were removed but not all of my past residences. Some addresses were added and they were not my addresses. They were from another file and added to my credit file. One dispute response was that personal information does not impact your credit score at all and nothing was removed. Even though I submitted my legal information on XX/XX/year>. Information received from my results from my dispute state that the information cant be verified because can only certified companies with Experian can verify. Not sure what that means, but the law states that if it cant be verified it must be removed. I have included an updated drivers license and my social security card. I have attached letters and certified receipts as evidence.
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. 
XXXX XXXX XXXX XXXX credit card : Acct # : XXXX, has violated my rights. 


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.