23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> it was brought to my attention I forgot to make a credit card payment and a {$29.00} fee was assessed. On XX/XX/XXXX I called to request a one-time waiver of the late fee but instead went into a 6 month XXXX interest program to help me pay down the balance. On XX/XX/year> it was brought to my attention Bank of America charged me another late fee in the amount of {$28.00} for XXXX. Essentially, Bank of America has reported to the XXXX credit bureaus ONLY for late fees rather than principal and interest payments that were paid each month. I request this 30 day late to be removed as they are late payment fees.
Product: Debt collection

This company has called me 8+ times on two different numbers asking for someone I'm not associated with. I answered 5 times asking each time to be removed from the " do not call list '' and yet they still call daily, this has now become harassment in my opinion. 

Phone numbers I was called from : ( XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

1. They have called me 3 times per day for the past week, starting on XX/XX/2023. They are claiming I owe more than I actually do- I owe {$300.00}, they are asking for {$900.00}. They will not tell me who the debt is owed to. 
2. Today ( XX/XX/2023 ), they called my job and asked for my full name, social, and address. When they refused, the operator was rude and argumentative.
Product: Debt collection

I have gave ALL parties 3 times to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and XXXX Continues to repost the account without sending me any communication. 15 USC 1692. The following parties have violated my rights and with the help from the CFPB I will seek damages. I demand accounts be deleted IMMEDIATELY!!! PLEASE SEE ATTACHMENT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent disputes to XXXX, XXXX, and Transunion about unverified, erroneous information on my credit report and I've yet to receive a response letter from any of them aside from XXXX, who have decided to re verify my identity instead of assisting me in clearing up errors. They are also reporting various non account holding, unauthorized hard inquiries on my report and are not removing them after they've been sitting there for over 2 years without my knowledge or permission.
Product: Credit reporting or other personal consumer reports

My personal information including my social security number was exposed in the data brief through XXXX Experian XXXX XXXX XXXX XXXX etc
Product: Credit card or prepaid card

I phoned Fidelity on XX/XX/XXXX to report a fraudulent charge on my Fidelity rewards Visa credit card. There was a charge of {$4000.00} made by an art gallery in XXXX XXXX that I have never been to. I noticed the charge on my XX/XX/XXXX statement as I was working on my XXXX taxes. I told the Fidelity representative when I phoned that I noticed the unauthorized charge from XX/XX/XXXX as I was reviewing my statements while combing through receipts. They immediately cancelled the card and issued a new card and opened the fraudulent charge case. My account was credited initially, but Fidelity put the charge back on my account after deciding to not defend my fraudulent charge claim against this gallery. I was never told the outcome of the claim via email or mail. They just put the {$4000.00} charge back on my account. A representative from the bank card phoned me the day after I submitted the fraudulent charge. I told her I have never been to the gallery or heard of the gallery. She asked me if I buy art and I said yes, but I can not afford to buy art for {$4000.00}. I generally buy art from friends or small local art shows for {$100.00}, never {$4000.00}. I phoned today to follow up on the claim and the Fidelity representative told me that because I told the person ( honestly ) that I do buy art, they put the charge back on my account. I DID NOT BUY ANYTHING FROM THIS GALLERY, NEVER HAVE BEEN TO IT OR HEARD OF IT! 
Their ruling is completely subjective and unfair. I gave them my honest report of what happened and I have been a loyal cardholder for years. 
I asked the Fidelity representative ; what if they asked me if I ate food? And answered yes, after disputing a charge for online groceries?

The charge by this art gallery was unauthorized by me, Fidelity never protected me when the charge was made- I should have been contacted when the charge was made or attempted by this gallery. It was a suspicious charge and Fidelity did not protect me then and they are not protecting me now. I am furious and plan to write a letter to a fraud supervisor at Fidelity and speak with an attorney. 
Another question I ponder on the suspicious charge going through and approved by Fidelity- why an even {$4000.00} charge? Art is taxable and the charge they approved was even. They have a terrible fraud/alert system in place, and they need to protect their clients.
Product: Credit card

In XXXX of XXXX, I contacted PNC Bank via mail to the address listed on PNC 's website in order to request SCRA benefits since I was on an XXXX XXXX XXXX  dating back to XX/XX/XXXX and SCRA benefits were not applied to my PNC Bank credit card. 

In XXXX of XXXX, I wrote to PNC Bank using their instant messaging chat tool. I was told that my benefits request was received but not applied. 

In XXXX of XXXX, I once again contacted PNC Bank via their secure messaging portal to request an update on my SCRA processing. 

To date I have not received SCRA benefits and previous benefits have not been applied. The XX/XX/XXXX message below summarizes my complaint. 

" Previously in XX/XX/XXXX, I submitted an SCRA request due to a call to XXXX XXXX from my XXXX  XXXX. However, I have yet to receive benefits. In XXXX of XXXX, I was told that my request was received. I fully understand staffing and workload. But the intent of SCRA is to provide relief during the periods of XXXX XXXX. Not following XXXX XXXX or some time in the future. The delay caused by PNC defeats the purpose of the Act which is to enable service members attention to duty while on service orders. This is not an eye friendly to those who dropped their affairs to answer the call. Soon the current set of orders will be at an end and I have yet to receive benefits afforded. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax on XX/XX/2021 regarding hard inquiries on my credit report with equifax that was reported on XX/XX/2021, XX/XX/2021 and XX/XX/2021. In addition, I wasn't able to login because they have incorrect information that is related to my identity and now they are requesting that i send a copy of my i.d, social security, and a cover letter to prove that it is me. i have always had a problem with this company when it comes to disputes. i never had to validate my information with any other credit bureau or had a problem verifying my information and was able to login and dispute any information now it is always a problem with equifax and i don't think that it is right that the consumer has to suffer because they are getting incorrect information from god knows who and now i have to go through this problem to just get a simple login information to dispute this information. Never had i sent in any information regarding this matter so why do i have to send in any information now.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX XXXX agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Mortgage

it started 9 months ago when both my wife and I both had fallen XXXX. My wife nearly XXXX and I almost had a XXXX We fell behind on payments lost XXXX our vehicles and now we started a loan modification in which Wells Fargo deinied after we went through hoops to complete and was never complete by their standards. But no forebearance was offered to me by Wells Fargo for my past VA home loan payments.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX DATE OF INQUIRY : XX/XX/2023, XXXX XXXX DATE OF INQUIRY : XX/XX/2023, XXXX DATE OF INQUIRY : XX/XX/2023, XXXX XXXX DATE OF INQUIRY : XX/XX/2023, XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2023, XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2023 & XXXX DATE OF INQUIRY : XX/XX/2023
Product: Credit reporting

I sent a letter in to Experian, to have some things disputed on my credit. Mind you this is not the first one that I have sent. I received a response from them stating that they will not reinvestigate some of the information. I find multiple problems with this one being that I never got proper validation from them proving that the alleged debt is mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XX/XX/2021 XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to dispute accounts and inquiries reported on my consumer credit report referenced below, which are the result of unauthorized inquiries. I demand verifiable proof bearing my signature or electronic signature, as I never authorized such actions. This constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B, regarding the block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604.

Regarding the disputes with Equifax Information Services LLC, I am providing the following details : Erroneous Current Address : XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX - Rectify immediately by updating this item. 

Billing Errors and Inaccurate Reporting : XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX - ( Secured Credit Card ) - A billing error under 15 USC 1666B is evident. Payments are consistently made on time. Rectify these inaccurate late payment reports immediately. 

XXXX. DEPT OF EDUCATIONXXXX, Account Number : XXXX ( Education Loan ) - This account egregiously violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), severely damaging my credit. Rectify this immediately by verifying and removing this item. 

XXXX. XXXX XXXX, Account Number : XXXX ( Credit Card ) - This account blatantly violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), causing extensive harm to my credit. Rectify this immediately by verifying and removing this item. 

Unauthorized Inquiries : XXXX. XXXX  XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This flagrant breach of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This blatant violation of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This unacceptable breach of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This egregious violation of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

The listed items are gravely inaccurate and represent a severe error.
Product: Checking or savings account

THIS ACCOUNT IS WITH SOFI BANK i LOOKED AT MY ACCOUNT AND SAW SEVERAL XXXX PAYMENTS THAT i DID NOT INITIATE. I CONTACTED SOFI TO DISPUTE THIS AS TRANSACTIONS THAT I DID NOT DO! THE FIRST WAS FOR {$25.00} ON XX/XX/XXXX. THEN A FEW DAYS LATER I NOTICED MORE XXXX TRANSACTIONS. TOTALLING {$390.00} A TOTAL OF XXXX PLUS THE FIRST XXXX MAKES XXXX. I DISPUTED ALL OF THEM!!! WAS TOLD THEY WOULD INVESTIGATE. RECEIVED EMAIL ABOUT FIRST ONE SAYING DENIED UNLESS I COULD PROVIDE MORE DOCUMENTATION. HOW COULD I PROVIDE MORE DOCUMENTATION FOR SOMETHING I DIDN'T DO? TOLE THEM THAT AND RECEIVED EMAIL BACK STATING THE MATTER WAS CLOSED AND DENIED. SCRIPTED REPLY. GOT EMAIL BACK ON OTHER 6 AND SAME SCRIPTED REP [ LY! SENT MY REPLY BACK SAYING THEIS TRANSACTIONS WERE NOT MINE AND THAT I DO NOT USE XXXX AND NEVER HAD. TOLE THEM TO INVESTIGATE DEVICE USED AND LOCATION OF ORIGINATION. CLEARLY DID NOT GOT SAME SCRIPTED REPLY BACK SAYING WITH OUT MORE DOCUMENTATION THIS CASE WAS PERMANENTLY CLOSED. REPLIED HOW COULD I PROVIDE ANY MORE DOCUMENTATION FOR SOMETHING I DID NOT DO???? GOT EMAIL BACK IN LESS THAN 1 HOUR SAYING DENIED AND THAT THEY WOULD NOT PROVIDE ANY OTHER INFORMATION. CLEARLY DESIGNED TO STEAL MONEY FROM ACCOUNT HOLDERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report
Product: Checking or savings account

The company are fraudulently and consistently and willingly and willfully trying to collect fraudulently, Without first-hand knowledge they have sent a letter stating notice of hearing motion for summary judgment for {$41000.00} on XX/XX/2023 now for this amount of money that they're requesting a summary judgment on at the time of receiving the letter I fear for my life being that amount of money is a contract hit, Because if there's no one there at the hearing they automatically win XXXX so therefore I fear for my life, and after they take my life they will be successful and winning so I truly fear for my life and my family members lives they are going to any extent to try to collect credits from the United States at whatever cost as I have tried to resolve in good faith with them over and over and over they have ignored everything and anything that I have presented in good faith. They also don't have any firsthand knowledge they are just trying to kill and steal. So I really do fear for my lies for they have tried multiple* attempts.
Product: Student loan

On   XXXX   XXXX   XXXX     I requested my loans be enrolled in the  Navient AutoPay sy stem. The request was processed showing the  AutoPay wou ld start for my loans on   XXXX   XXXX   XXXX    . However, this loan payment was not processed and th e Autopay did not take effect. The interest rate was not reduced by the 0.25 % as advertised on the website. I made the   XX/XX/XXXX  payments manually on   XXXX   XXXX   through the website, and called on   XXXX   XXXX   to have the  Autopay service enabled on  XXXX  of  the loans. At this time, I also requested forbearance on the largest loan. I confirmed on   XXXX   XXXX   forbearance on my first loan, Loan number  XXXX  and  Autopay en rollment to start on   XXXX   XXXX   for  XXXX  and  XXXX . I also confirmed  that Autopay wo uld not affect my ability to pay the  XXXX  loans currently in repayment ahead. After receive vocal confirmation of all this I concluded the call. On   XXXX   XXXX   XXXX     I called Navient because I logged into Navient.com and saw my loans were not enrolled in  Autopay.  When I reached a representative on the telephone she told me I requested to put all three loans into forbearance on the website. I told her this was inaccurate and I explained I requested the forbearance f or one loan over the phone. I asked for a supervisor and the representative started backpeddling. I was told to  hold for a supervisor. A supervisor was never brought on the line. However, the representative informed me the  Autopay was started a nd would take effect for    XXXX   XXXX   XXXX     . She informed me I would be able to see this on the website tomorrow because I was not able to see any change on the website. The school loans were received through  XXXX   XXXX  University and University  of    XXXX   University  College.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 XXXX XXXX XXXX contacted me about refinancing my home. They asked if they could do a credit inquiry and I objected to a " hard inquiry '' and they assured me they could and would do it as a soft inquiry instead, so I agreed to that. Please ask them for proof that I agreed to the hard inquiry rather than the soft, they don't have it because I refused the hard inquiry. 

Equifax confirmation # XXXX
Product: Checking or savings account

CashApp XXXX needs to drop its banking partner XXXX XXXX XXXX XXXX XXXX  is responsible for handling direct deposits and XXXX  transfers. Unfortunately this bank is doing a bad job on both tasks. I have been collecting payments from NJ State Govt since XX/XX/2023. Every Sunday I certify for my benefits and Monday is primarily when I get paid except for holidays that fall on Mondays. Today I realized that my payment was pending for my benefit amount {$570.00} at XXXX EST. I contacted CashApp Support to find out why this bizarre action took place. They gave me the automated response as usual direct deposits take XXXX  business days. Im perplexed by CashApps abnormal behavior and false advertising regarding Getting paid XXXX days faster. Normally a bank picks up trends when funds consistently are sent to an account. Therefore my funds should always show up EARLY. Please contact the XXXX XXXX XXXX about this mishap and have him address this reoccurring issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX  XXXX XXXX  asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX  XXXX XXXX  received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX  XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX willfully violated the Fair credit reporting Act
Product: Checking or savings account

I deposited a government stimulus check into a US Bank atm in the amount of {$2800.00}. US Bank rejected the deposit. The check was in my and my wife 's name. I called US Bank, and they said because my wife wasn't on the bank account that they rejected the deposit. I have never had that issue before with any other bank. US Bank is engaging in unfair and discriminatory banking practices. I want US Bank to honor the check of {$2800.00} as it is from the US Government. I am attaching my wife 's ID card. Please honor the check.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or, a Certification from the creditor that certified the accuracy and completeness of the information/accounts.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
XXXX. Creditor Name : XXXX XXXXXXXX XXXX XXXX. Creditor Name : XXXX XXXX. Creditor Name : XXXX XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX