23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about the inaccurate account information that was reported on my credit report. This inaccurate information has violated my privacy rights and my right to confidentiality as stated by the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : 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 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 ) the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to have reasonable procedures in place to ensure that information they provide to third parties is accurate and up-to-date. 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: Mortgage

I have been trying to get a modification on my mortage since XX/XX/XXXX. I have been sending documents to Pacific Union Financial for months trying to save my home for foreclosure. Finally on XX/XX/XXXX I was told that my modification was denied on XX/XX/XXXX with the reason being that I do not live in the property. I have called as recently as in the last week when I spoke to XXXX XXXX, a manager at Pacific Union Financial. I am repeatedly told that I will not get a modification because I do not live in the property. I am in active military service and I have court orders from XX/XX/XXXX ( attached ) stating that I am to report to and be stationed in XXXX XXXX, Kansas. That is where I currently live. It is not only illegal but highly unethical to deny me for a home retention program because I have orders from the United States government to help protect the country and it's citizens in a location other than my own home. The way I see it, my property is still my home, and I am merely away for work, which also happens to be work that keeps this country free for all of it's citizens. Therefore I expect Pacific Union Financial and the FHA will fairly consider me for a loan modification.
Product: Debt collection

I have three cards open with XXXX XXXX and I've asked before to not be called Monday- Friday between XXXX since I am at work. They continue to call multiple times through out the months during these hours and when I keep asking for them to stop and respect the time frame I give them I'm told they will make a note of it. Today alone I have received five phone calls from them and have not answered any of them due to being at work. I've asked before for them to call me back after XXXX Eastern time zone and they still do not relay this information to other associates there and keep calling me! 

As well when I have had the chance to answer the phone on the off chance they call again when I am able to respond they do not tell me where they are calling from at first and say I need to pay. Its slightly difficult to know which card they are referring when they do not say who they are calling from. This has happened since XXXX of 2018 where they no longer tell me who they are when I ask who Is calling they ignore me asking and say will you be paying this today. Its very rude.
Product: Payday loan, title loan, or personal loan

I restructured my finances through a refinanced mortgage. I had various loans to be paid through the refinance all of the loans were paid without issues with the exception of upgrade. 
On XX/XX/2021 a check was received via fedex from the attorneys office that completed our refinance. This was signed by a person XXXX XXXX at upgrade The loan has not been paid off on XX/XX/2021. They claim that although the check has been received hey have not applied the funds. They also completed the payment for XXXX despite having the check in their possession for one month
Product: Credit card or prepaid card

I had fallen behind on payments after I tried to change the bank account for my autopayment. I thought it had been changed but the bank account wasnt accepted by Wells Fargo and it stopped the autopayment. I was charged {$40.00} for each late fee. I made a payment in XXXX and my account was closed in XXXX. I had attempted to use their online feature to get help with payment arrangements but it would not process and required me to call in. The chat feature said it was available during certain times, however, there was never a way to open a chat during those hours on the mobile version. When I logged in and saw my account had been closed I called about reopening the account. I requested that the late fees be waived as I had been paying on time through autopay and they waived 2 of the 4 late fees but said it would be applied at the next XXXX. I was told a request could be submitted after I brought my balance below the credit limit which would be the {$220.00} as the {$80.00} credit wouldnt be applied til the next XXXX. I paid the {$220.00} and called back to check on the request to reopen and was then told that I couldnt reopen the account because it had been closed and that I would have to reapply for a credit card with them. I believe they knew from the beginning that I could not reopen the account and provided false information to get a payment. I have had that account for almost 10 years and received the letter regarding the overdue balance and closure after it was already closed. I had not received any correspondence in writing regarding options to bring my account current nor why my bank account was not accepted for the autopayment drafts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth third bank is showing a late payment on my report. Late payment occurred due to their payment site being down and I was out of the country for 2 months. Upon returning I was told they remove that late payment from my account since it was due to a technical error on their part, however, they are now refusing to update my credit report and remove the late payment. 

They are also showing a balance of {$56.00} which is incorrect as there is a {$0.00} balance on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX  /Account # XXXX ) Has violated my rights 2-  ( XXXX XXXX/Account # XXXX ) Has violated my rights 3- XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 4XXXX XXXX XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 5- ( XXXXAccount # XXXX ) Has violated my rights 6- ( XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXX/Account # XXXX ) Has violated my rights 8XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights 9- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
Product: Debt collection

Mandarich law group mailed me a letter to my mothers house stating i was being sued i contacted them that i am XXXX  and currently XXXX. they stated they would be suing me, very unprofessional I told them once i got a job i would contact XXXX XXXX to pay they told me not to contact them and that they would be sueing me. it was a very harassing and intimidated phone call. Beware of MANDARICH LAW GROUP they want to coerce you into paying your debt and that is unlawful for a law group to use there position to threat a citizen and bring fear upon them in order to have them pay a bill. IT is an unlawful way to collect debt.
Product: Checking or savings account

I am writing to file a complaint regarding the poor quality of the new Chase debit cards. Unlike the previous embossed cards, the new ones are printed, causing the numbers to wear off quickly. Additionally, the front label peels away over time, making it difficult to read the card details and resulting in stores refusing to accept the card.

This issue has caused significant inconvenience and hinders my ability to make purchases. I believe that Chase should be held accountable for issuing cards that do not meet basic durability standards. 

I kindly request your assistance in addressing this matter and ensuring that consumers receive debit cards that are reliable and fit for purpose. 

Thank you for your attention to this issue. 

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

On XX/XX/2021 I mailed off dispute letters to each of the credit bureaus and after 45 days XXXX  use the only on that reached out to me with updated info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I was made aware that my rights have been violated by the companies I will list below. These companies refuse to follow the laws! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are misusing my personal information and by law are violating my rights!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) What Happened? 
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint XXXX ) filed on ( FTC Complaint XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Mortgage

We completed a refinance through USAA. The refinance processed a few days prior to when our auto pay on the old mortgage was set up to pay. Even though the original loan was paid off, our auto pay for around {$3000.00} went through in early XXXX. I called USAA around 10 times between XX/XX/XXXX and XX/XX/XXXX to inquire about when we would be refunded that money. I received different answers from different people but most said it would automatically go out 30 days after receipt. 30 days after the payment i called again and the check still had not been issued. No one knew why and the rep said they would take care of it. XX/XX/XXXX, still no check so I call back. Different person says check still hasn't gone out they don't know why, will talk to a manager and follow up with me. It is now XX/XX/XXXX, I call back after receiving no follow up and the manager 's inquiry has gone no where and no one knows what happened. The person I talked to this time says she thinks the refund will go out on Monday but she will have to call me back Monday to verify. No one at USAA has any idea what is going on and at this point they are holding my money XXXX. If I can not pay my bills or my mortgage because they have my {$3000.00} are they going to refund me? The scariest part is I caught the error. I am not sure they would have ever given me my money back ( they still might not ) unless I had caught it. I feel they have been dishonest and have kept my money XXXX while providing me no resolutions, updates or compensation for this hardship.
Product: Mortgage

Not only was my own mortgage payment drafted from my bank account but in addition, someone else 's loan / monthly payment was ALSO drafted from my account in the same month within one day of each other. Despite several emails, phone calls, promises for call backs, I have not been able to get resolution. I 'm put on hold and then eventually hung up on. I have provided proof of the erroneous draft as well as the other person 's loan number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports have all incorrect, Fraud, Items- 17 late payments, not correct I have proof XXXX  states I was late in XX/XX/XXXX, when payment was drafted from my account, I was never late on any of my Payments. I also have Status Bankruptcy Status for Ch XXXX, CH XXXX, I have documents to upload to support this. I also have a XXXX XXXX XXXX  XXXX, I have a signed Contract for XX/XX/XXXX, and they have a signed Contract for XX/XX/XXXX, not correct I have been harassed by them, as They failed to send me the Original Contract which includes 2yr Warranty, Gap, They have a Contract that does not have, OCCC investigated, which stated a 2yr Warranty Contract, After the OCCc investigation, I began to get delinquent emails, when I contacted them, they stated due date was Due on the XX/XX/XXXX of every Month instead of XXXX, I had no choice but to Pay on the XX/XX/XXXX, and I only was given 1yr, but charged for 2yr warranty. I was still being reported late even after paying on their terms. I submitted the Police report Fraud to XXXX   XXXX explaining I did not sign and not my signature, got Affidavit from Bank and Police Report and it was still denied. I had asked them to pick up the Vehicle as they never did. I am submitting proof of on time Payments and Legal Support Documents. I have made several Complaints, but have been unsucessful. A Repossesion, late payments, and a Bankruptcy is reading on my reports. I have had Monitoring Services for years, and it has not helped, as I have several unknown Inquires, I also asked for The Credit Bureas to Verify Negative Info with me, Prior to Placing. Just as they ask for proof of Identy to investigate they need to do the same for Third Parties. Please Have XXXX and Experian Fix these Errors. They have Continued to Report Items as Verified, which is Not Correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$620.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and has a {$0.00} balance due. Reporting this account as a collection/charge-off is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information and identity and bank account was stolen by an ex co-worker and used to get loans with out my authorization
Product: Mortgage

I called in my monthly payment and went through the menu to start up monthly withdrawls from my account. I got through it and listed the next payment was to come out on XX/XX/XXXX. XXXX days later they took another payment (unauthorized) from my account and bounced my checking account by $XXXX. I've called and talked to them about it, sent back statements  show that XXXX payments were taken out. Now they're telling me that I called in an emergency payment, which I didn't do, and are now trying to lie and say that I made a payment online, which I have never done, never even set up an online account. This company wrongly took money from us, screwed our account so badly that we had to cancel a mini vacation we had planned to take with our children bc of all the missing money and they keep floundering in their attempts to tell me that I made XXXX payments in one month of my own free will, which is so stupid it's almost laughable. On top of that, they tell me that the automated payments that I set up were not in place so while I was thinking that the payments were coming out, I'd be getting late charges added to my account, which is how this company operates anyway. This isn't the XXXX time that they've messed with our lives. Last year I got a foreclosure  notice saying that I missed XXXX payments which was untrue, but when I called the XXXX number to find out what exactly was going on, they told me that every payment was accounted for and that they had no idea why I was receiving foreclosure notices. But they charged me late payments and told me that they had only recently "found" my payments within their company. That makes everything their fault but I had no recourse to try to fight this. I'm told that I own $XXXX in late fees for XXXX late payments, which were not late. They've shot our credit w their bogus XXXX late payments and so now we can't refinance w another company and get out from under these thieves. They've been known to not process a payment, which means that they claim late fees for months before you even know it. This happened to us a few years ago. We've lost XXXX to this company when an honest agreement was reached by XXXX us, but honest money isn't good enough for them. They want to suck late fees and anything else they can get out of you. They need shut down.
Product: Bank account or service

In XXXX 2016, I signed up for a Citigold account account with promotion XXXX that promised XXXX XXXX XXXX AAdvantage miles after completing certain requirements. After the requirements were met, according to the terms and conditions of the offer, the AAdvantage miles would post within 90 days. For the CFPB 's reference, I have attached the official requirements. I have attached a secure message from a Citi representative that I met all requirements for this promotion on XXXX/XXXX/2016. After the Citi representative told me I would receive these miles at a later date, I decided to follow up with her to remind her of the official promotion language to ensure I would receive the miles by the specified date which would have been XXXX/XXXX/2016 ; this message is attached also. XXXX/XXXX/2016 has come and gone and my miles have not posted. I am aware that Citi has refused to distribute the promised miles to other Citigold customers so I am filing this complaint.
Product: Checking or savings account

I have an account with Wells Fargo, and I have been trying to get access to copies of checks that have been deposit onto me account ; but the online system only allow Wells Fargo clients to access checks within 90 days of deposit ( most banks allow up to 3 years ).
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In order for me to get online access ( view ) the check details ( such check number ) behind the 90 days, and or go to the branch for the same reason, Wells Fargo charges his clients a fee per every check request. In addition, it will take the clients 10 days or more to view the check that it will be sent via mail. Wells Fargo do not allow his clients to print, download a check behind the 90 days either. In my personal opinion, it 's my believe that Wells Fargo practices are not only deceiving the consumers on what fees they charge ( i.e - my account has no fee if I keep a a minimum balance ; however they will get their money to use such services like get a copy and or view a check ), but as well unfair business practices.. Most banks, such XXXX XXXX, allow their clients to view account summary, checks, print, and download the same up to 3 years ; so why is Wells Fargo does not follow the same rules as other banks?