23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Send credit bureau a letter informing them that I received a copy of my credit report. I asked that they send me copies that they have in their files as of this date that they used to verify the accuracy of the accounts below. My letter stated the following : Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of the request concerning the accounts that they are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please Delete Them Immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Under the FCRA15 U.S.C 1681i, all Unverified Accounts Must Be Promptly Deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
1. National account sys account number xxxx unverified account 2.XXXX account number XXXX Unverified account 3.XXXX Collection Agency Account number XXXX Unverified account *NOTE : Please remove all non account holding inquiries over 30 days old. 
I attached a copy of my social security card and drivers license and sent XXXX Certified Mail
Product: Bank account or service

Last month I tried to withdraw {$100.00} from my account and the machine ate my money, I contacted the atm company to get my money back, they gave me letter show that the transaction I made for XXXX dollars they never received it and told me to contact my bank about it, I contacted my bank and told them what happened with me and what happened when I contacted the other party, the chase customer representatives told me to send the document I have over the fax and he gave me a claim number. I have sent them the document I had over the fax with the claim number that the bank representative gave me, then he told me to wait 10 days for the investigation, after ten days I received a call from my bank they told me that their finished their investigation but they ca n't give me my money, I asked them for the reason, they said, you need to get your money from the other party, I told them I have already tried to do that ten days ago and I could n't, they said we 're sorry we can not give it back to you.. NOW WHAT SHOULD I DO TO GET MY MONEY BACK!!!
Product: Mortgage

I called MandT Bank ( MTB ), XX/XX/XXXX at XXXX and spoke with a rep about the calculation of the mortgage escrow which I believe to be wrong. 

We are in agreement that the monthly mortgage escrow before shortage should be {$1200.00} per month required annual mortgage escrow is 14 months at {$1200.00} or XXXX. 

Beginning escrow balance is {$7300.00} a/o XX/XX/XXXX. 

escrow payments from XX/XX/XXXX to XX/XX/XXXX total XXXX this would bring the total escrow to XXXX well above the required escrow of 14 months of {$17000.00}. 

The woman who answered the phone started the conversation by telling me she does not have the ability to calculate whether the escrow is right and it is done by computer. 

she kept saying the bank 's calculation is right with no explanation. 

I asked her how she can be so sure the Bank 's calculation is right when she told me she didn't know how to calculate an escrow earlier in the conversation. 

she hung up without saying anything. 

I did not raise my voice, but obviously, MTB 's training leaves a lot to be desired.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and Experian XXXX XXXX XXXX XXXX, TX XXXX filed on XX/XX/2022 I filed a dispute regarding the incorrect items on my credit report, and it has been well over 30 days, and I have not received any investigation results.
Product: Checking or savings account

I had a previous complaint open and wisely stated they didnt receive my signed declaration of fraud but I am attaching the email I sent to them on XX/XX/13 with the signed statement attached. This is not and should not be a reason to delay returning all funds to me that I didnt authorize. They absolutely received my statement and it was emailed to the email that the form said to use!
Product: Credit card or prepaid card

As of XX/XX/2019, the balance on my credit card account was $XXXX. I had until XX/XX/2019 to pay this off. My credit card shows I paid off the balance of $XXXX  on XX/XX/2019. However, on XXXX XXXX, I was charged $XXXX in interest. I have called customer support and they were unable to explain to me why this happened.
Product: Student loan

I have a private student loan through Wells Fargo. I got behind on payments, but I knew I was starting XXXX school soon so I was looking forward to receiving a forbearance to postpone payments until I graduated. I started graduate school on XXXX XXXX. I informed Wells Fargo of this on XXXX XXXX because I knew my student loan was schedule to default on XXXX XXXX. Wells Fargo said I did n't appear on the XXXX, so I needed to get my school to fax Wells Fargo a document verifying that I was a student. I gave my school this form that same day, XXXX XXXX. XXXX XXXX was a Friday and my loan was scheduled to default on Sunday, XXXX XXXX. Wells Fargo claims they did not receive verification from my school until XXXX XXXX, so my loan defaulted and Wells Fargo is now asking for the entire balance paid in full. I believe my loan should not have defaulted because I was in school at the time, which Wells Fargo knew.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have great credit history and have scores I pulled yesterday of XXXX, XXXX and XXXX. 
when I was having a lender check Credit Bureaus for Refiance of a Rental Investment Property, they used XXXX scores of XXXX, XXXX and XXXX when I have paid my only mortgage showing on my credit bureau successful with no negatives. 
Why do they continue to use these low figures? They are a privately run group vs looking out for consumers and work with Lenders to get the most money they can. 
there are no breaks due to XXXX either with helping. I am XXXX XXXX XXXX with good credit and Social Security XXXXRental Income and should be able to refiance my Investment property. These bureaus are keeping people down as they want us to pay higher interest rates. 


XXXX : Number Mortgages XXXX Score XXXX XX/XX/2022 XXXX
Product: Money transfer, virtual currency, or money service

I have recently filed a dispute claim with KeyBank, because I have had {$500.00} transferred out of my account every day for a total of {$6.00}, XXXX without my knowledge, from XX/XX/21-XX/XX/21. I did not even know about this until I could not log into my online banking account, because my pin was changed. I found this strange because I did not change any of my information, so I called customer service. They put me on hold again and again just to transfer me to people from the same department when I wanted to talk to someone who could actually help me. Not only was my information changed and I could not access my account, they told me I only had {$400.00} left in my account which was a complete shock to me-I receive unemployment every week so I knew that this was not possible. So when I was finally able to log in again, I saw that money had been transferred out of my account. At this point I filed a claim. My claim has been denied for the reason that " The cardholder authorized the transaction ''. However, I did not receive any notifications of suspicious activity on my account, and I was completely unaware of this situation. I did not authorize any of these transactions and this issue should be looked into further. I think someone got a hold of my account information, unless I got hacked. Either way, I did not receive any notification that money has been transferred out of my account. Furthermore, the account that my money has been transferred to is completely unfamiliar to me and I would like to hold this person who stole my money responsible for their actions. I have tried to email KeyBank through the General Comments and Feedback form and the Credit Bureau Dispute Form both of which did not go through.
Product: Payday loan, title loan, or personal loan

I received a credit alert on XX/XX/23 that I had an account reporting 30 days past due. I looked and say that my grain account was reporting 30 days past due when that wasnt true. I reached out to the company via email XX/XX/23, XXXX.I finally receive a response on XX/XX/23 and they told me since I was a few days late paying they were accurately reporting my account past due. 

They are falsely reporting my account as 30 days past due causing a drop in my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XX/XX/2021 I mailed Experian with a letter from the XXXX XXXX XXXX stated by the deputy clerk that they do not report anything to the credit bureaus. Experian has not replied with any names or contact information for who they have verified this XXXX with. This reporting is illegal under 15 USC 1692E and 15 USC 1681b. It has been over 90 days with no response from Experian.
Product: Mortgage

The complaint is against FBC Mortage, LLC XXXX XXXX from the start it was impossible to get a hold of XXXX or get replies back form vm and emails. First it was misleading we were told that our payments would be XXXX or lower a month. Are initial loan document had all the wrong numbers and when I pointed it out he told me not to worry about it. The application was just to get started. I sent them all the docs they requested that same day requested. They never confirmed received and they they lose some of them I had to resend them. Throughout the process I kept asking if they had everything no reply and days later they would reply and say yes. Well 3 months before closing I asked are we all set they go oh no we need some more docs, its like when did you plan on calling me. Two weeks before closing which was set to be XX/XX/2018 I kept asking when do we lock interest rate when do we get the final loan documents so I can review and make sure everything is correct. XXXX XXXX kept making excuses and putting me off. Three days before closing he finally locked interest ( and not because I was late on getting docs back he delayed I have no reason why ) and emailed us the docs rushing us that we needed to sign that night he emailed it to us around XXXX XXXX. 
When I saw the interest rate I asked why is it higher over 1. percent he goes to me it went up this week. So what you are telling me because you waited so long on locking the rate we now have to pay more mortgage payment. When I was asking for the documents the week before closing XX/XX/2018 it was at 4.85 and he locked it in the next week at I believe over 5. Because of this we could no longer afford the payment they wanted over {$1800.00} a month and we kept telling them we can't afford more then {$1600.00} they kept telling us and misleading us telling us they would be low. We could not go into a new home deal knowing we would loose the house and had to walk away. Because of that we lost the {$3000.00} deposit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX  XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

Dear Wells Fargo : I am writing this letter to dispute a charge to my Wells Fargo Visa card # XXXX. I have not had enduring success disputing with your customer service assistants on the telephone. 
The timeline of this dispute is as follows : XX/XX/XXXX I purchased a ticket for a XXXX XXXX XXXX XXXX to XXXX using my Wells Fargo XXXX XXXX card # XXXX XXXX XXXX. The charge was {$88.00} This charge appeared on my XX/XX/XXXX statement. 
XX/XX/XXXX I paid the full balance of my XX/XX/XXXX statement, using a {$25.00} cash-back redemption and a {$260.00} cash transfer. 
XX/XX/XXXX Wells Fargo transferred all its account servicing from Propel XXXX accounts to new XXXX XXXX XXXX credit card accounts. My first account statement dated XX/XX/XXXX from XXXX reflects that my previous account balance was paid in full. 
XX/XX/XXXX My new XXXX statement balance was {$170.00}. This was paid in full XX/XX/XXXX. 
XX/XX/XXXX My XXXX statement XX/XX/XXXX had on it another charge of {$88.00} for the same XXXX XXXX flight that I took in XXXX, even though this charge had already been paid on XX/XX/XXXX. 
XX/XX/XXXX I disputed this charge, noting it was an obvious double-billing for the same service. I spoke with XXXX different assistants in XXXX different departments, and we agreed that this was an error in billing caused by the XXXX changeover. These conversations took more than an hour combined.The customer service assistants agreed, and a dispute ref # XXXX was put in the computer system, and a {$88.00} credit was issued to my account XX/XX/XXXX to rectify the error. 
XX/XX/XXXX statement was paid in full. 
XX/XX/XXXX statement had a credit balance. 
XX/XX/XXXX XXXX statement reinstated the {$88.00} charge, and this appears on my XX/XX/XXXX statement. 
XX/XX/XXXX I called customer service again, disputing the reinstated charge. The assistants said they would temporarily credit back the additional {$88.00}. 
XX/XX/XXXX I called customer service again, as I did not see the credit applied to my account. No progress. 
XX/XX/XXXX I called customer service again, as again I did not see the credit applied to my account. I was told that the refund would be reissued. I stopped using this credit card. 
XX/XX/XXXX statement had no refund reissued. 
XX/XX/XXXX I spoke with customer service assistants again. I am told that they can no longer act on this dispute, because too much time has passed from the time of the disputed charge. They can not reopen it. Apparently, I am still obliged to pay the {$88.00} a second time. 

Despite the courteous conversations I had with numerous customer service assistants over the course of XXXX months, the computer algorithms at Wells Fargo insist on double-billing me for the airline flight. I am left with a decision between paying twice for a charge, or being permanently in debt to Wells Fargo. 
I am hoping that this letter will move you to refund the second charge for {$88.00} that is still outstanding in my account. Thank you. XXXX XXXX cc : CFPB
Product: Credit reporting or other personal consumer reports

I requested XXXX for my original sign contract whit XXXX XXXX XXXX XXXX They said my account is being verified but never send me copy of my original sign contract whit this company i not liable for this account
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings account. Capital One misrepresented the 360 saving account as having one of the nations highest interest rates, yet failed to notify offered by the 360 Performance Savings Account.
Product: Debt collection

In 2020, I was an heir in my grandmas estate. We sold her house but before I could receive my share, I had to pay off 2 credit cards, Discover being one of them. Last month, I find that Discover is garnishing my wages! Case XXXX. I was not even aware of this until today. My son, who is XXXX, and I are XXXX! I already paid the debt. XXXX XXXX XXXX in XXXX, Missouri can attest to this fact.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX ONLINE ADVANCE XXXX XX/XX/XXXX ONLINE ADVANCE XXXX  XX/XX/XXXX ONLINE ADVANCE XXXX Wellsfargo bank account. Those online advances made by scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated calls from morning to night I made a payment and told them I will make another before months end plus XXXX is too high they need to have it lowered. Its a furniture bill and some of it was delivered damaged and after servers call to report the damages they have not come to replace the table or old rug they gave me. I have spoken to several people but noone has called for the problem to be resolved from delivery. As for as the payment I pay XXXX at first part of month and the balance at months end and they as if I paid nothing. That is considered harassment on a customer. They call at least ten times a day this is ridiculous.
Product: Debt collection

Reported medical bills on all XXXX credit bureaus XXXX XXXX XXXX, and XXXX saying I owe them but I did not sign anything stating I owe them for the bills and the hospital where services rendered wrote the bills off.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of ongoing concern related to a previously filed complaint XXXX XXXX XXXX XXXX XXXX XXXX  against United Auto Credit . Regrettably, the initial complaint remains unresolved, and I find myself compelled to escalate the matter. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802, I, as a federally protected consumer, hereby formally declare my decision to opt out of any and all authorizations I may have given United Auto Credit, encompassing written, unwritten, verbal, or nonverbal agreements. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this issue and ensure that United Auto Credit complies with federal consumer protection laws. My primary objective is to terminate any existing authorizations associated with my account, and I seek your valuable assistance in expediting the resolution of this matter. 

Thank you for your prompt attention to this pressing concern.
Product: Mortgage

On XXXX XXXX, XXXX, I faxed a payoff amount request for Account XXXX. XXXX, XXXX XXXX Property Address ) to M & T Bank. The inquiry was faxed to the payoff fax number listed on my latest statement ( please see attachment ) to M & T Banks XXXX Department. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was requesting the loan payoff amount associated with my loan ( Account No. XXXXX ) ; however, I still have not received any type of response.
Product: Checking or savings account

I placed several orders with different merchants and didn't receive my merchandise and services. I had issues receiving a credit from merchants. I was advised by the merchants to have bank open a claim in order to be able to be refunded on their end. I had opened up these claims on XX/XX/XXXX and on that same day I received a notice that the claim was denied and no error had accord and tried to have them reinvestigate it. Due to what the merchants advised and for having proof that I didn't receive neither the service or merchandise. They denied reopening a claim and sending proof of the decision and documentation that made them deny the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I mailed a letter requesting an investigation about questionable items on my credit report. It has been almost two months and I still haven't received any results of an investigation.