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

XXXX XXXX XXXX XXXX  Account Current Balance XXXX XXXX XXXXXXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX Account Current Balance : -- -XXXX XXXX Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX Account Current Balance : XXXX XXXX XXXX XXXXXXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX  -- {$19000.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX
Product: Credit card

I 've had problems with HSBC MasterCard and after multiple calls to HSBC customer support and Customer Relations office HSBC refunded late feed on the account. HSBC promised to refund all late charges and on XXXX XXXX, 2016 HSBC customer service told me the M/C account balance was {$0.00}. On XXXX XXXX, 2016 HSBC sent me a bill forl {$37.00} in late charges on an outstanding balance of {$0.00}. HSBC failed to do as promised and refund all late charges on this Master Card account.
Product: Checking or savings account

Just reporting a scam phone call from this number, XXXX, XXXX XXXX, XXXX saying they are from Bank of America EDD debit card asking to reactivate my card to avoid loss of balance and permanent closure of my account, asking for me to text my account user name and password to the above number within 5 hours. 
I know it's a scam, just wanted to report, thanks
Product: Debt collection

Portfolio keeps calling day after day, sometimes twice a day even on Sunday. This has been going on for months.
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. 
4. Proof that the original creditor securitized the debt.

5. 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 to this
Product: Credit card or prepaid card

I purchased an engagement and wedding rings from XXXX XXXX and financed through XXXX XXXXXXXX XXXX. It was not made clear how much the interest would be charged if not paid within the promotional time frame. I had not been receiving paper statements nor could I access the XXXX XXXX online account for months. I would always make the payments every month but then was alarmed that my balance went from slightly over {$3000.00} to almost 8,000. The original amount financed on this card was {$8000.00} and I had paid it down to {$3000.00}, but was recently charged over {$3600.00} in interest. I called as soon as I could and spoke to a manager, XXXX who mentioned that if I could pay off the {$3800.00} principal balance that they could possibly look at waiving the interest charged with a dispute letter. I paid the principal only to find out today that I will still have to pay the full amount of interests of {$3500.00} and will accrue interest every month upon interest charged despite me paying the principal balance. It took everything I had to pay the principal amount and after so much loss from Hurricane Harvey it's been tough to get on our feet again. The Over {$3000.00} in interest charges on an account that only had {$3000.00} remaining balance is exesive and a scam. Not to mention that I never received any communication or statements regarding where I stood with the account. I ask that XXXX XXXX XXXX refund at least the majority of the interest charges and also state they have no right to continue charging interest charged when the principal balance has already been paid off. The most recent manager I  spoke to did not want to assist in any way and said there was nothing that could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXXXXXX XXXX ) closed and sold my account while reporting the account as charged off to all major Credit Reporting Bureaus. The name on the account is in the name of XXXX XXXX, the total amount that was sold to a collection agency ( which I did not contract with ) XXXX XXXX XXXX  and their reporting it as well. This is a direct violation of my consumers right under title 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Request to remove the fraudulent information was returned with an answer that it was verified to be correct. XXXX sent a affidavit clearly that the account was closed and SOLD to XXXX XXXX XXXX while still sending charged off account to all major credit bureaus. I have sent XXXX XXXX a request to show where they have authorization to report on the credit for XXXX XXXX along with information that XXXX XXXX agreed to be in a binding contract with XXXX XXXX.
Product: Mortgage

Complaint Number XXXX This is an addendum to my above-referenced complaint regarding the practices of Wells Fargo Home Mortgage to AVOID helping struggling homeowners with their mortgage. 
It is with great dismay that after sending all those justifications/and or substantiations proving that we never missed payments, Wells Fargo through the same Representative, XXXX XXXX XXXX, XXXX, again ( for the second time this year ) subjected us to apply for ( another ) Loan Modification. 
Please be reminded that they already approved a HAMP Loan Modification Trial Payment on XXXX XXXX, 2017 but due to some technicalities which is beyond our control they RESCINDED their approval on XXXX XXXX, 2017 the 4th month of our Trial Payment - and subsequently on XXXX XXXX, 2017, they referred our case for collections. 

What Wells Fargo have done to us is very humiliating and unethical, when the Federal Government and the State have been trying to help struggling homeowners to get back on their feet yet " big Banks '' like the one we are dealing with is trying to manipulate us into believing that we are delinquent in such manner that all decisions are theirs to initiate and in their favor, thus leaving us, Homeowners, in their mercy. 

WHERE IS JUSTICE AND WHERE IS THE GOVERNMENT??? OR MAYBE BECAUSE WE ARE THE MINORITY WHEREIN OUR CONSTITUTONAL RIGHTS HAVE BEEN ABUSED BY THESE BIG BANKS???? WHOEVEVER UPON THE REACH OF THIS PLEA. 

HELP US!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just looked at my credit report and found items that do not belong to me. I have called the creditors and found that they were opened in Florida. I have never lived in Florida. There is a Florida address being reported on my credit file but I never lived there. I have always lived in NJ and I am including my current license and a copy of a paycheck from 2019 when this Discover account was supposedly opened showing I was employed and living in NJ during the time frame these accounts were opened. 

I have tried to disputed these accounts and gotten no help. I need your help to get these fraudulent accounts off of my report.
Product: Credit card or prepaid card

Citi bank Costco card has been overturning my disputes, I believe there are 61 I was told. Some of them are either purchased and product wasnt delivered or service wasnt provided. Others are what I claimed to be not purchased by me or anyone that Ive given authority to use. Ill be sent a new card but the dispute will be over turned and not listed as fraudulent. Ive called and requested for my past statements and dispute findings and letters from As far back as 2013. Ive had to call mutiple times to request for the same statements, which were then sent to me in 5 or six different envelopes on different weeks. The dispute letters I have requested for have not been sent to me nor can I access them on the website or app. Ive spoken with them and they can not look back only a few months. Ive been hung up on or disconnected multiple times after giving my personal information. Ive changed my password that you use when you speak to a representative and in the same day been asked my old password form the first woman. Then calling back later to verify a payment getting asked for my new password. When asking to speak to a supervisor I am told that no one is available. Also, while having a ongoing dispute opened they have refunded payment then taken back credit then reversing and then overturning a charge on multiple statements making it difficult to see when or if I got credited or charged. If you could please help me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates XXXX law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

Santander is currently reporting an account that was XXXX in XX/XX/XXXX on my credit report. There have been several attempts to get the account removed from my credit report without any resolution or response from Santander. 

As you can see in the attachments, Santander just settled a Class Action case in XXXX, for Deceptive/predatory lending practices. According to the agreement, my debit is to be forgiven and the account status updated to positive or the account to be removed from my credit report. 

After reviewing the Deceptive Auto Loan Practices CLASS ACTION SETTLEMENT WITH SANTANDER CONSUMER USA. This is a direct violation on the settlement agreement. Because of what they agreed settlement this needs to be corrected within 30 days of receipt of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference 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 a account without my written instructions
Product: Bank account or service

Wells Fargo Investigations : XXXX Claim # : XXXX Issue # 1 ) On Tuesday, XX/XX/2017 @ XXXX EST, a 3rd party was allowed to take money from my checking account without showing ID, no debit card, no PIN #, no security questions, and no signature. Bank teller # 2 appears to have filled out the withdrawal slip with my account number, name and amount and the 3rd party seems to have written an incomplete sentence instead of providing a signature for the withdrawal. The banks ' fraud dept. did immediately put the money back in my account upon me bringing this to their attention. The branch manager said that this crime was committed by someone within my personal circle. Issue # 2 ) Upon me filing this complaint with the bank, a CSR requested my PIN #. I informed him that that 's a security breach, he should NOT have asked me for my PIN #. He said that he needed for me to input it into the phone because he was trying to help me. I went to enter it and had to instruct him NOT to look, turn his head as I was entering it ... suspect # 3. He also sent me on a wild-goose chase at a different branck. When I ultimately landed back at his branch, he stated that it was all a mis-communication. I think he 's part of a fraud ring at that branch. Issue # 3 ) The branch manager told me that it was someone close to me in my inner-circle. When I asked her how she knew, she went silent ... suspect # 4.
Product: Mortgage

I hold a mortgage with U.S. Bank Home Mortgage on XXXX XX/XX/2022 was a payment that was posted on my account for a total amount of {$7000.00}. {$1600.00} went towards my monthly payment and {$5300.00} when to my principal. In the Month of XXXX, I attempted to make a payment online but payment would not process so I called US Bank to make my monthly payment that's when I found out about a payment that was posted but not from me at the time I had applied for mortgage assistance through the State of Florida so I believe it comes from the program but was not sure so I ask U.S. Bank and was told that they can not disclose that information after my request. In the month of XXXX, the payment was reversed without notifying me and was needed to make up the remaining balance of {$4900.00} the only option was to force me into forbearance due to a mistake from my mortgage company that I'm still paying for its affected my credit and loan modification. I need it fixed. and it forced me to modify my loan now my payment is higher... I need my credit fixed and my mortgage lowered.
Product: Credit reporting

On XXXX/XXXX/2014, there was a judgment rendered against myself and wife for unpaid rent. The facts were inaccurate, rent was paid, and there should n't have been a judgment. The current property manager agreed and we thought it was over. Nevertheless, the judgment was submitted and has been on our credit reports for a while, and we did not know. After attempting to apply for credit, we were denied several times and the hard credit inquires were also creating a negative effect on our credit rating. We notified the property manager, and they worked with us and were kind, because it was there mistake. They sent a letter to the courts, requesting that the judgment be vacated. After calling the courts, they seemed disinterested. The clerk stated, " if the judge decides to remove the judgment, we 'll let you know. '' We have been treated as if we were criminals. Maybe it 's because I talk with an XXXX voice and my wife has a XXXX last name and we were profiled. We are not the criminals. In fact, it against the law for the judgment to even be on the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are allowing Creditors to report inaccurate and unverifiable data, not belonging to me, on my credit file. One in particular ( XXXX XXXX ) has provided information and account information not belonging to me, which could have resulted in identity theft from the reported address and names. Account is not mine. Credit Bureaus and Creditor has Refused to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA-you are required to '' ... promptly DELETE all  information which can not be verified. Credit One is not complying with the FCRA and I demand the items be deleted immediately.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to appeal the recent blocking and limitation placed on my newly registered PayPal account. I believe there may have been a misunderstanding or mistake in the assessment of my account, and I kindly request a thorough review of the situation.

As a new user, I am eager to utilize the services provided by PayPal and follow all the rules and regulations outlined by the platform. However, I was surprised to find my account blocked and limited without any prior warning or explanation.

I assure you that I have not engaged in any activity that violates PayPal 's terms of service or poses a risk to the security of the platform. I understand the importance of maintaining a secure environment for all users, and I am committed to upholding the integrity of PayPal. 

I kindly request you to provide specific details regarding the reasons for the account blockage and limitation. Additionally, I would appreciate any guidance or instructions on the steps I need to take to resolve this matter and regain full access to my account. 

Please note that the email address associated with the blocked account is XXXX. I kindly ask you to communicate any updates, requests for information, or further instructions regarding the appeal process through this email address. 

I am more than willing to provide any necessary documents, information, or clarification to verify my identity and address any concerns that may have led to the account blockage and limitation. I value the services provided by PayPal and would like the opportunity to continue using the platform for my financial needs. 

Thank you for your prompt attention to this appeal. I trust that the matter will be resolved in a fair and timely manner. Should you require any additional information or have any further questions, please do not hesitate to contact me. 

I appreciate your understanding and assistance in rectifying this issue. I look forward to a positive resolution and being able to resume using my PayPal account. 

Yours sincerely, XXXX XXXX
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. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Has all 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I SIGNED AND WAS PAYING FOR RENTAL INSURANCE FOR PURPOSES OF HAVING THE INSURANCE PAY ANY/ALL MONIES OWED DURING LEASE TERM IF NECESSARY. THE APARTMENT COMPLEX RECEIVED TOTAL BILL OWED YET THIS COMPANY IS SAYING I NOW OWE THEM. NO. I DO NOT. I PAID MY INSURANCE PREMIUMS AND THE APARTMENT COMPLEX WAS PAID. I HAD NO CLUE ABOUT THIS DEBT BEING ATTACHED TO MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all ran my credit without my consent
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NV XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Dispute of Charge-Off Account - EXETER ( Account Number : XXXX ) ** **Dear XXXX, ** I am writing to dispute the charge-off status of my account with EXETER, account number XXXX, as reported on my credit report dated XX/XX/XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ) Section 1692c, I did not receive a 1099-C form for this account, which is required for the cancellation of debt. 

**The details of the account are as follows : ** - **Account Name : ** EXETER - **Balance : ** {$3100.00} - **Balance Updated : ** XX/XX/XXXX - **Credit Limit : ** Not listed - **Date Opened : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX - **Status : ** Charge-off - **Status Updated : ** XX/XX/XXXX I request that you investigate this matter and provide verification of the debt, including the 1099-C form. If you can not provide this documentation, I request that you remove the charge-off status from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and inform me of the results of your investigation. 

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

In accordance with the fair credit reporting act XXXX, XXXX, Transunion XXXX major credit reporting agencies has violated my rights. 
15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

these accounts you continued to report as late payments XXXX XXXX XXXX  and XXXX 's XXXX XXXX XXXX