23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had issue now for over 4 months with my CapitalOne account. I do not own a phone and have tried to log in to the account they won't let me. I am literally being held XXXX over this. They have actually been spending money not to assist me on this even though I told them I have a XXXX and I do not own a phone they will not work with me. 



I literally have had to over the last 4 months make back and forth trips to the capital one caf just to make payments and I'm getting irritated at this point if not irate!!! I spoke with the manager of the capital one caf Mr. XXXX XXXX back in XXXX and he seemed to want to resolve the issue. He explained to me that he was going to reach out to the escalations team. However, I didnt hear from in over a month. He then responded saying that he was on a leave and that I could make an appointment to speak with him and see what we could to resolve this however it's been a week and I have not heard d back from him. 



They sit here and say were not preventing you from making payments that you can have them mailed. Thats not what this is about folks it's about having the ability to have access to my account. I want to check my transaction history I want to make payments at the convivence of my home and I want access to the rewards that come with my quicksilver card. 



They put me through all that hoop de la garbage just so I could get a new card but refused to allow me access to my account online. Even though capital one has copies of my driver 's license and knows I'm the legitimate card holder I was able to go through the customer service chat and have a card order however when I spoke with them about simply having the rewards that have been accumulating on my account and they said they couldnt do that. 



I dont know what capital one 's deal is when it comes to this, I am under distress from this and im not backing down from this it's been 5 months and I have to have access to my account remotely I have to check my credit wise alerts I have to check my transaction history when needed in a timely basis And I am entitled to my reward on my quicksilver card And you can't tell someone because they dont have the ability or access to a phone that they can't log on to their account This company has some nerve to tell someone they have to go out and get not just a phone but a mobile phone plan that is under my name simply to receive one text message why can't the company just work to resolve this matter I have said it over and over I'm more than willing to provide other means of documentation or verification that I am the legitimate account holder But they will just rubber stamp this spent XXXX dollars to air mail a copy and pasted letter saying were not doing anything
Product: Mortgage

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Lender Name : Wells Fargo Home Mortgage I recently read that Wells Fargo had to settle and help those effected by their inability to assist home owners in loan modifications after XXXX. I called Wells Fargo and told them I was XXXX of those effected and they said if I am, they would reach out but they have not. 
In XXXX I attempted to modify my loan and several reps failed to assist with files getting lost, reapplication and so on. Wells Fargo put my house into Foreclosure without any guidance or help. I was forced to sell my house at a lower price than worth just to regain my down payment and not lose everything entirely. During the closing they charged me enormous amount of late fees. 

Their carelessness and lack of service affected me for years and until today. If you can please help and look into this I would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor XXXX XXXX XXXX XXXX has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.
Product: Debt collection

XXXX XXXX has a fraudulent account in my name. i never open an account nor do they have my ink signed signature to show 100 % accuracy. they passed to Midland Credit Management. Now Midland Credit is refusing to correct my credit report which is hindering me and causing me stress. I sent them a police report and indentation. showing that i am a victim of identity theft. I called to explain they sent me to a law firm XXXX XXXX XXXX. Even though they ( Midland Credit ) are they're the ones reporting the fraudlent info against me. they are refusing to correct the inaccuracies.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding a payment plan issue that has significantly impacted my credit standing. I believe the practices followed by XXXX XXXX XXXX in setting up and managing this plan are unethical and irresponsible. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions. Furthermore, under 15 USC 166b, a creditor may not treat a payment on a credit card as late for any purpose. 

In XX/XX/2023 during a financial crisis, I enrolled in a payment plan offered through the XXXX XXXX XXXX app. Unfortunately, the app failed to adequately inform me that to avoid late payments being reported to credit bureaus, I needed to pay three months in advance. Despite XXXX XXXX Services automatically deducting monthly payments from my bank account on time, my credit report was adversely affected due to the lack of upfront information. 

Upon discovering this discrepancy, I contacted XXXX XXXX XXXX multiple times to seek assistance. Each time, I was assured that the issue would be rectified. However, the problem persisted, and no resolution was provided. Furthermore, I did not receive any letters or communications explaining the terms of the payment plan and the potential impact on my credit. 

I find it unethical and irresponsible for XXXXXXXX XXXX XXXX to establish a payment plan through an app without transparently disclosing the requirement to pay three months in advance, thus jeopardizing my credit during a challenging financial period. An option to pay in advance, which I could have afforded, was not provided, nor were there any clear disclaimers during the enrollment process. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I seek the following resolutions : Immediate Correction : Rectify the reporting discrepancies on my credit report caused by this payment plan. 
Transparency : Ensure that XXXX XXXX XXXX provides clear and transparent information regarding the terms and potential credit impact of any future payment plans. 
Communication : Require XXXX XXXX XXXX to communicate the terms of payment plans explicitly to customers, including any potential consequences on their credit. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and thorough investigation into this complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, I received an administrativesettlement of an '' alleged debt '' from Weltman, Weinberg & Reis L.P.A., Reference No. # XXXX in an attempt to collect an alleged debt in the amount of {$7100.00}. Without notice XXXX XXXX XXXX XXXX corresponded with Weltman, Weinberg & Reis L.P.A., in regard to the amount in question. XXXX XXXX XXXX XXXX is currently the reporting agency on my report with Account XXXX. XXXX, for the alleged debt that Weltman, Weinberg & Reis L.P.A., claims is owed. Respectively trespassing on my XXXX, XXXX, and XXXX consumer credit reports. XXXX XXXX XXXX XXXX and Weltman, Weinberg & Reis L.P.A., erroneously reported to me a contractual debt and that a civil dispute exists with us which is false, there is none to my knowledge. 

On XXXX, XXXX, I received an administrativesettlement of an '' alleged debt '' from XXXX XXXX XXXX, Reference No. # XXXX in an attempt to collect an alleged debt in the amount of {$18000.00}. Without notice XXXX XXXX XXXX XXXX corresponded with XXXX XXXX XXXX, in regard to the amount in question. XXXX XXXX XXXX XXXX is currently the reporting agency on my report with Account No. XXXX, for the alleged debt that XXXX XXXX XXXX claims is owed. Respectively trespassing on my XXXX, XXXX, and XXXX consumer credit reports. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, erroneously reported to me a contractual debt and that a civil dispute exists with us which is false, there is none to my knowledge. I've requested that these agencies validate these alleged debts, and produce the original contract to verify their claims against me. After a month there has been no response to my notices. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 15 U.S.C. 1681, Section 602 A. states that I have the right to privacy. 15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. I demand in these instructions that the accounts Account No. XXXX, Account No. XXXX that are listed above, be removed according to 15 U.S.C. 1681.
Product: Credit card or prepaid card

PNC Bank has promoted and advertised a rewards program promising that points earned by using their card will result in gift cards and cash however PNC Bank 's rewards program is a fraud. I have requested redemption of my points in the last 60 days approximately to redeem points for gifts cards and have never received them nor have I gotten a reasonable response from the firm explaining why I have not received the cards. 

In the past PNC has stated that the cash I redeemed but has never provided documentary evidence that the cash actually was credited to my account. In this case, I decided to request physical gift cards totally {$100.00} and still have not received the cards even after calling customer service about the mailing and receipt of the redeemed gift. This is obviously a fraud and false advertising. 

My PNC card ends in XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX.
Product: Credit reporting or other personal consumer reports

After sending numerous written requests, the fraudulent items listed below continue showing on my credit report, flagrantly violating federal law. The XXXX Credit Bureaus have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681i, within the legally stipulated timeframe, continuing to report unconfirmed information. Given all my diligent attempts to rectify the situation directly with the creditor, this can be seen as a deliberate act of negligence and non-compliance with federal regulations. I kindly request the complete deletion of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$380.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX is showing my XXXX account XXXX delinquent XXXX days. My account is not late because I did a XXXX month Deferment. Please delete this erroneous information or I will seek legal counsel. As this has ruined my credit.
Product: Credit card or prepaid card

Citi cards emailed me and stated that my credit limit was decreased because I have another Citi card that was not being paid. I contacted Citi because I do not have another Citi card that was not being paid and wanted to know what information was being relied upon. The representative informed me that he could not provide me a copy of the documentation that was referred to in the XX/XX/2020 email, but he can file a request for reconsideration. I also spoke with the fraud department at Citi. The fraud representative indicated that they did not have any record of me having another Citi account or any Citi balances that were not being paid or past due. 

I explained that my reason for the dispute was because I believe that Citi was engaging in a practice of predatory lending and was intentionally lowering my credit limit to adversely impact me. I pay five times the minimum payment due on the account and the account is current and scheduled to be paid off in less than a year. I have  checked with XXXX  and I do not have a Citi card reporting that is not being paid or slowly being paid. I called today to follow up on why this was done and was told by the representative that my limit was decreased because my credit cards were past due. I informed her that this information is not correct and my accounts were not past due. I checked my credit report again to confirm that the representations to me are not correct. She then states that I was sent a letter by mail ( even though I specifically enrolled in only electronic communications ) that states that my balance was lowered because I have other debts. I am not sure why this is any indication of my ability to pay this account. Actually there is no reasonable way to assume that I am struggling to pay this account or any other account because I pay significantly more than the minimum payment due and pay all my bills are current. The representative again stated that she could not provide me a copy of this letter or any documentation that is being relied upon. 

I wholeheartedly believe that this unilateral and arbitrary decision was made to adversely effect my credit. This changed my account from having {$1000.00} in available credit to only {$200.00} in available credit and updates my credit report to show that this card is maxed out. I have not been provided any proof that this action was taken for a legitimate reason despite numerous attempts to obtain documentation that shows there was a legitimate, non-predatory, or discriminatory reason for this action. 

I have not used this card since I first received it and there is no reason to believe that I am incapable of paying the card. Especially since it will be paid off during the promotion interest period.
Product: Mortgage

I reached out to Green Tree in hoping to get some answers on a home loan. I was contacted by XXXX XXXX in the XXXX, NJ office. I gave him my social security number, income, address and all necessary information to run my credit. 

He replied back to me with my credit score and that he would get back to me with a financial plan. 

I waited over 5 days to hear back from him, meanwhile the realtor is awaiting this information. I had to send him a follow-up email on the status. 

He stated, " Good luck, you will need it. '' I then got upset because his customer service skills were horrible. I advised him I would never deal with him or Green Tree due to his poor communication skills. 

At XXXX, he then sent me another email stating, " I truly apologize. I did n't like the tone of your email and gave you a nasty reply. It was childish and I was wrong. So I am sorry. I had a rough day, your email set me off, and I made a mistake. 

I thought we did try to help you. If I recall, you said there were items on the report that were n't yours. We sent you a copy of the report so you could see what was on there. We could n't do anything based on the report and your resulting income to debt ratios. So I thought we tried helping you by letting you know what was on there, and apologize if you think we did not. There 's nothing I can do to remove those items. You will have to get in touch with the credit bureaus to see why they were showing up. That seemed to be the main issue and you will have that issue with any lender, as those items will continue showing up on your report. 

Again, I apologize sincerely and hope you have a good night " I am writing you this email so you know what type of employee XXXX is. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month or so ago, I contacted Equifax to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/. I faxed them a statement, " PROOF '', from XXXX XXXX  that proves the account was " CLOSED '', and that XXXX XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to Equifax. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that Equifax had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a XXXX pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX XXXXXXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.
Product: Debt collection

This company has repeatedly called me over a debt that I do not owe. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I wrote them and letter and explained to them that I do not owe this debt and told them to stop contacting me. I spoke to them 2 times when they called and explained to them that I do not owe this bill. They refuse to stop harassing me. My daughters mom took her to the dr and she signed the finacial responsibility and I explained this to them and told them to call her. They told me that they are calling me because I have insurance on my daughter. I am not responsible for this and I want the harassment to stop.
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. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

15.6K
Product: Mortgage

PLEASE TREAT THIS COMPLAINT AS DIFFERENT THAN ALL OTHER COMPLAINTS I MADE : this complaint is in regards HIDING INFORMATION FROM THE ONLINE SYSTEM. Please see ATTACHED EVIDENCE. 
United Wholesale Mortgage is hiding important information. 
United Wholesale Mortgage did not apply important information to the online system with the purpose of overcharging my account. 
The 2 very important letters they have disclosed on CFPB website, ( meant to notify me ) ARE MISSING FROM THE ONLINE SYSTEM. 
These are the same 2 VERY IMPORTANT LETTERS ( which I didn't receive ) that were supposed to protect my rights against abusevily charged Lender Placed Insurance. 
UNITED WHOLESALE MORTGAGE is using deceiving practices to overcharge my Escrow Account. 
If these 2 letters ( dated XX/XX/2022 and XX/XX/2022 ) were ever disclosed to me I could have protected myself against the abusevily charge on my account regarding Forced Placed Insurance. 
UNITED WHOLESALE MORTGAGE WAVED ALL MY RIGHTS by NOT APPLYING EXACTLY THESE 2 IMPORTANT LETTERS to THE ONLINE SYSTEM. 
NOT EVEN A SINGLE EFFORT WAS MADE TO NOTIFY ME BEFORE THEY PURCHASED LENDER PLACED INSURANCE. 
Dear Director from CFPB, please have a supervisor investigate this issue. 
United Wholesale Mortgage is using deceiving practices to avoid to answer my complaints such as but not limited to : 1. ATTACHING HERE ( ON CFPB website ) tens of pages UNRELATED with the issue and they BYPASS/game the system without answering. 
OR They mark the COMPLAINT as similar. 
This is NOT A SIMILAR COMPLAINT. 
This complaint is about HIDDEN INFORMATION. 
Please help!
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX are reporting inaccurate information. Violating Privacy Act of 1974 and helping commit security fraud. They have collections in my account that I never signed a contract with XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. As a Federally protected consumer I am opting out of XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX  Opt out XXXX Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party. All 3 major credit reporting agencies are third party. I tried and nothing. All three credit reports have non-public personal information. Only inquiry I should have is the XXXX XXXX XXXX. Any other inquiry needs to be removed. I never gave written consent nor do I have any form of credit, open end credit, mortgage or conducting business. 



15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers Nonpublic Personal Information ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers that is derived using any personally identifiable financial information that is not publicly available.

Nonpublic personal information means : ( i ) Personally identifiable financial information ; EXAMPLES : Personally identifiable financial information includes : ( A ) Information a consumer provides to you on an application to obtain a loan, credit card, or other financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; Certificate of indebtedness according to IRS publication is considered income and income is not supposed to be part of credit report.

1681b. Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. Opt out