23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attended XXXX XXXX XXXX for theXX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around late XX/XX/XXXX I began  receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unofficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unofficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the XXXX, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently no one was notified that my hold was released.
Product: Debt collection

Hello I want this debt collection from citizen bank of {$630.00} to be removed. XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in a connection with the collocation of any debt. 
XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contexts of any communication effected by the mails or telegram that XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in a connection with the collocation of any debt. that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

I have had a Macy 's credit card account for a few years now. Upon moving from XXXX, my wife and I decided to open a joint account when buying some furniture in order to get a sign-up discount. 

Sometime in XXXX, Macy 's " upgraded '' their website, and the fact that I had multiple accounts linked to my name caused many issues with accessing my account. This included seeing my bill, in particular. In XXXX XXXX or XXXX XXXX, I bought some clothes on the individual account totaling XXXX or XXXX dollars. I was unable to log in and pay this amount off immediately ( what I normally do ) and ended up forgetting about it. It seems that Macy 's had an old address on file ( and either no email or they did n't try that method ), so I received no contact from them. 

I ended up learning that I owed this money when, in XXXX, XXXX XXXX notified me that my credit score had plummeted. That day, I investigated, and paid off the balance that I owed Macy 's. I believed that they were going to remove this information from my credit report ( in addition to marking the account as current ) since this was a one-time fluke in a long series of on-time payments. 

The other week, my wife and I went to apply for a mortgage and were denied because this information seems to still be showing up on my credit report. I have called Macy 's, but they refuse to work with me, claiming that the issue was resolved on the day that I paid off the balance and closed the account. 

To be clear, I accept that I was irresponsible by forgetting about this debt and allowing it to become delinquent. However, I certainly think that Macy 's could have made a more serious effort to contact me once I was in the grace period. In fact, the mortgage agent, remarked that, through the years, Macy 's has become known to him for causing so many similar problems on other mortgage applications. 

Ideally, the CFPB would be able to help me get this information removed from my credit report. I have considered hiring an attorney but am worried that my case will be very difficult to prove. ( For example, how can I prove that I never received any physical mail or that I could n't successfully log in? ) Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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 an account without my written instructions
Product: Checking or savings account

My account was opened on XX/XX/22 with the promotion : Open an M & T XXXX XXXX or XXXX checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. 

On XX/XX/22 I received a Direct Deposit from my employer in the amount of {$1000.00}. 

The promotional bonus was due on XX/XX/22 yet it has not been credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute a late payment entry that appears on my credit report. According to my credit report, there is a late payment entry from XXXX XXXX XXXXXXXX on my XXXX XXXX XXXX XXXX XXXX XXXX account, which has a credit account number of XXXX. 

I am concerned about the impact this late payment may have on my credit score and my ability to obtain credit in the future. I have always made timely payments on my credit accounts and believe that this entry is in error. 

I request that you investigate this matter and provide me with the results of your investigation. If the late payment was indeed made in error, I ask that you correct the entry on my credit report and provide me with written confirmation of the correction. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/year> a judge entered a wage garnishment of XXXX percent to be deducted weekly for a suit that was filed for a debt owed for a credit card. The garnishment just started on XX/XX/year> and it was at XXXX percent which goes against the court order I have all the documents as they are public access via ecourts. So I should've been garnished like {$60.00} last week and {$55.00} this week. That's XXXX percent. Instead it was {$220.00} last week and {$200.00} this week. This is a XXXX percent deduction which again goes against court ordered wage execution which clearly states that XXXX percent will create a financial hardship.
Product: Credit reporting or other personal consumer reports

I am writing this and to follow up regarding the multiple attempts made to rectify the issue of a late open accounts at your esteemed institution. I would like to express my disappointment with the handling of this matter, and I believe it is imperative to address it formally. I initiated the process of opening an account with your bank. Unfortunately, due to circumstances beyond my control, there was a delay in completing the necessary documentation, resulting in the account being opened later than anticipated. I contacted them to explain the situation and inquire about the necessary steps to rectify the delay. The representative assured me that the matter would be promptly addressed, and I was given a timeline for the resolution. To my dismay, despite the assurances provided, the issue persisted, and I found it necessary to contact your customer service department to follow up on the status of the correction. Regrettably, each time I contacted your institution, I received conflicting information, and the matter was not resolved within the promised timeframe. This continuous inconvenience has caused me considerable frustration and has raised questions about the efficiency and reliability of your institution 's customer service and account management processes. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX  Balance : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I pulled my credit report and disputed items on my report to XXXX, EQUIFAX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX : XXXX XXXX XXXX Account # 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 reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX. XXXX, 2021 - XXXX XXXX 

XXXX XXXX, 2021 - XXXX
Product: Credit reporting or other personal consumer reports

According to section [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports however are still inconsistent and showing inaccuracies. ( XXXX ) XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] Balance {$700.00}. Inconsistencies shown for payments made said to be late on XX/XX/XXXX & XX/XX/XXXX. Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ] Balance {$160.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX. ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX ] Date Opened : XX/XX/XXXX. Date Closed was changed & DOES NOT SHOW for this account. Balance {$20000.00}. ( XXXX XXXX XXXX XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX ] Date Opened : XX/XX/XXXX. Date Closed : XX/XX/XXXX XXXX {$0.00}. All of these items show for a XXXX XXXX XXXX. My name is XXXX XXXX XXXX '' XXXX. This could potentially be someone else giving me additional questions of validity to this report.
Product: Payday loan, title loan, or personal loan

These people are very unprofessional! First I refinanced my loan with them only getting {$100.00} out of it. When I went in that day, they had a kitten that they found outside locked in a room in the back! No food or water! Then XXXX put " optional insurance '' on my loan but didn't tell me it was optional! I had to call corporate and have them take it off. Third, on Friday XX/XX/19, XXXX XXXX called me at work! On my work phone! When I told her I needed something sent to me to show what I owe because I was about to file bankruptcy, because they never gave me any paperwork, she LAUGHED and said I couldn't file them on bankruptcy because I hadn't made my first payment. They let me skip my payment for XXXX, for " customer appreciation '' month but didnt tell me I was going to have that interest put on my first payment after I refinanced! I'm very dissatisfied with the way they do their customers and after reading other reviews about them, I'm starting not to trust them at all!
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/2019 Bank of America closed my account and reported to XXXX XXXX that owe them money. Bank of America report that I have unpaid account this is not true. 
I don't owe Bank of America any money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate these accounts promptly and make the necessary corrections. 

Below are the accounts in question : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the CFPB on XXXX, XXXX. ( Complaint # XXXX ) The complaint was to remove a notation on my credit report for the month of XX/XX/XXXX that the account was 30 days past due. However, this account ( Raymour and Flanigan ) was PAID IN FULL in XX/XX/XXXX and i requested the account be closed. I have made no purchases on the account since it was paid in full in XX/XX/XXXX. The account balance has been XXXX ( {$0.00} ) since XX/XX/XXXX. On XX/XX/XXXX I was reported as 30 days past due on all 3 credit bureaus for the month XX/XX/XXXX and began receiving statements again in XX/XX/XXXX showing a XXXX balance. The account was listed as paying on time in XXXX and XX/XX/XXXX. It was also listed as not being late in XX/XX/XXXX. This is factually impossible to be listed as paying on time In XX/XX/XXXX but late 30 days in XXXX and on time in XXXX. One of the Credit bureaus has already corrected their credit report ( XXXX ). I had also closed this account in XX/XX/XXXX when it was paid in full. The Companay TD Bank retail services closed my previous complaint with the CFPB because they did not read the complaint fully. They cited a lateness in XXXX which was not the basis for my complaint. I complained about XX/XX/XXXX and just cited another error in the year XXXX, even though that was also an incorrect reporting on my credit bureau. TD Bank RCS has thousands of complaints with the XXXX online regarding their incompetent, negligent. TD Bank RCS redesigned their online website and hundreds and thousands of errors like this were made.
Product: Mortgage

I bought a home and set up my mortgage with XXXX XXXX XXXX  to get a good interest rate. In XXXX the mortgage unknown to me got sold to WellsFargo. I think started payments online through XXXX and apparently payments were going to the address of property but not to my home address where I had set up XXXX XXXX XXXX XXXX. calls were made to remind me of late payments to my job number but not the cell phone number i had on file. No email notices of late payments were made. Four payments went into an abyss on my XXXX  bank account and not to WellsFargo- With 3 visits to Wellsfargo banks and 3 phone calls we found out the following:1. No one had contacted me by email to notify 2. My credit may be compromised with 4 late payment fees totaling {$110.00} each month for the 4 months. I paid {$6500.00} after a phone call made XX/XX/30 and one late fee was removed. I was told once i provide the info to a supervisor given the mistake on part of Wellsfargo automatic payment system that charges would be removed especially since i had not been notified. I hope this doesn't effect my credit score. My score was great in past. Additionally, they sent me letters which i got later from my renter that were in XXXX language. A noticeable faux paux on part of WellsFargo to make assumptions about my ethnicity  despite their language enablement program where i stated i speak English. This is the most offensive part of the activity from Wellsfargo with their lack of communication with customers at the forefront. I feel bullied by a bank I didn't choose initially for my mortgage, am upset i paid thru XXXX  but that their incorrect address listed made them not get the payments and now i have to pay XXXX late fees- in amount of {$160.00} given their mishap. This business should be held liable for this failure to notify their customer then assuming the customer is XXXX. The supervisor contacted at WellsFargo told me to contact her in a years time for this late fee reversal. Gentleman Named XXXX XXXX at the Wellsfargo XXXX XXXX was very kind and also was perplexed at the mortgage supervisors reaction to me as a customer. Banks cant have fee reign on customers/citizens. If i could i would move my mortgage out of this bank and will be doing that as soon as i can refinance. They have stolen from me before and are again it seems. Please hold them accountable!
Product: Checking or savings account

Good afternoon. I am a XXXX XXXX XXXX XXXX XXXX  with a checking account through PNC bank. I am in my XXXX XXXX XXXX XXXX and working hard to achieve success. Im often studying or in class. I worked almost everyday this past summer to make over {$2000.00}. I have NEVER disputed any charge in the past nor have I ever been the victim of fraud. Additionally, Ive never lost my card or misplaced it and it is always with me. Additionally I have never shared my account info or log in info with anyone. I realized in XXXX that my account had been hacked and numerous fraudulent charges had been made. The majority of the charges were fraudulent. I contacted my bank immediately. I disputed every charge that was fraudulent and then later even went to the PNC branch on XXXX. I returned home today for the holiday break and received numerous notifications from PNC that my disputed transactions were denied and not returned. The PNC website currently notes that theres been an increase in fraud, however, they are unwilling to return my money. PNC targets XXXX XXXX and advertises how secure they are. 
Their lack of quick response and unwillingness to return my money is unacceptable. Many people have to work hard to make a little money and should not be taken advantage of by a large bank. As a result of their unwillingness to refund my money, I have lost approximately {$1000.00}. 
I appreciate any guidance you may provide. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in REMOVING a piece of the data in my credit file that resulted from FRAUD, however, I have an item passed on that should be removed or banned. According to FCRA section 605, credit bureaus are required to delete any records found on an ID THEFT REPORT. I proactively remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ; XXXX XX/XX/XXXX.