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

I setup XXXX internet for my apartment XX/XX/XXXX and XXXX XXXX pulled two hard pull credit reports on me, ( XX/XX/XXXX and XX/XX/XXXX ). 

I submitted to Equifax online for them to fix it. They never did do anything. I called them several times, they said it is XXXX XXXX problem. I called XXXX several times, and they also said it is Equifax 's problem. However, I somehow got hold of one lady at XXXX, XXXX XXXX, her number, XXXX ext XXXX. She said she submitted to Equifax to remove the report. It had been over two months, and Equifax still does not want to do anything.
Product: Debt collection

Could, the company provide, original contract.Original Document means the initially prepared written document or any counterpart intended to have the same effect by the creator.Original Document means the initially prepared written document or any counterpart intended to have the same effect by the creator.
Product: Mortgage

Chase is SERVICER of loan to which they misapplied, held in suspense, to push us into foreclosure, chase ignored MULTIPLE attempts to stop un-needed insurance to the point of XXXX removed from my escrow to pay for attached flood policy 's NEVER needed, & reasons for attachments is invalid chain of title, Good Faith Estimate, Truth & Lending statement, is for a DIFFERENT RESIDENCE, in a different county of ky, & is NOT MY RESIDENCE.I brought this ENORMOUS facts to chase, ignored & false default claims began,XXXX false claims now, to which all are paid.I 'm currently BOUND to litigations still, initiated XX/XX/2011. & Assignment of mortgage came a full year AFTER suit in progress, & the Assignment of Mortgage was created by the law firm suing me? NOT BY CHASE? & I BELEIVE THATS ILLEGAL ALSO, & signatures, notary 's that signed this assignment are CHASE EMPLOYEES, NEVER DEFAULTED, NEVER NEEDED LOAN MODIFICATION.NO DEED, NOTE SERVICER DEEMED ''LOST '' NEVER FILED ANY ASSIGNMENTS IN COUNTY CLERKS OFFICE, UN-CLEAN HANDS IS AN UNDERSTATEMENT.
Product: Payday loan, title loan, personal loan, or advance loan

I used Affirm to purchase dresses on XXXX. When XXXX wouldn't let me return the items, I opened a dispute with Affirm, who sided with the merchant. A few weeks later, XXXX agreed to refund me. I sent the items back and received a {$70.00} refund from XXXX on XX/XX/XXXX. It is now XX/XX/XXXX and Affirm continually claims they have not received the refund. XXXX has offered proof of the refund which I emailed to Affirm ( XXXX XXXX XXXX ) as well as submitted via the online help center numerous times. Affirm customer service also has " escalated '' my concerns 3 separate times and told me to expect a reply within 3-5 business days, which has not happened. I keep getting told by Affirm that the refund hasn't come through and to contact XXXX. When I contact XXXX they send proof that the refund processed on XX/XX/XXXX and tell me to contact Affirm. It has been 9 weeks of this runaround. Additionally, when I contact Affirm they refer to the earlier dispute that was resolved instead of addressing the current refund issue. Complete frustration all around.
Product: Vehicle loan or lease

Tried to work with Santander consumer after bankruptcy. Before bankruptcy I was well ahead on payments had to file for personal reasons. Offered to keep paying just needed help and to prevent repo man from coming. They wanted me to pay with out insurance of repo man coming In an attempt to collaborate with Santander Consumer after experiencing bankruptcy, I recall that I was well-ahead on my payments prior to filing for personal reasons. I offered to continue making payments, provided I received assistance and could prevent the repossession agent from taking action. However, they insisted that I pay without any guarantees of the repossession agents absence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a line of credit with OneMain Financial and paid off my entire balance in the fall and have never missed a payment. In XX/XX/2018, I received a statement for {$50.00}. I called and talked to one of their Customer Care Representatives and was told it was an annual fee for having an open credit line. I told him I didn't want one and he advised he was going to remove the {$50.00} annual fee and close my line of credit. In XX/XX/XXXX I got another statement now showing that I was past due, again I called and spoke to a female. She apologized and stated she was going to bring this to her Supervisor and have it removed and assured me this was going to be taken care of. Now in XX/XX/XXXX, I got another statement and now I am being reported as past due. I called and spoke to XXXX another representative and she told me she didn't show a balance and couldn't help. She refused to give me to their credit dispute department. I finally asked for a supervisor, XXXX XXXX and she apologized and said the past reps actually didn't do anything even though it was showing why I called. She said it would be removed but takes 21 days and wouldn't help remove the negative reporting. I want a letter stating I have a XXXX balance and my credit updated immediately as I will be looking to relocate and need my good credit rating.
Product: Checking or savings account

My daughter, XXXX XXXX XXXX, was allowed to open a Cashapp account without an adult sponsor. 
Cashapp then made XXXX withdrawals from her bank account. When contacted about this, cashapp told me that they are not controlled by the FDIC and they refused to help me due to the fact that I don't have an account with them. Cashapp will not allow the minor to withdraw these funds.
Product: Credit card or prepaid card

I was a victim of a scam/fraud while visiting a foreign country. The merchant had my card on file and charged additional fees that I did not authorize. 

I immediately reported the fraudulent charges to Wells Fargo - prior to the charges being run and was advised by a Wells Fargo representative that the card would be closed at that time. 

However, the fraudulent charges still posted days later. 

I had to open a second fraud claim with Wells Fargo because they closed the first one without consulting with me or asking for additional information. 
I received no phone calls or emails. Only an outdated later stating they were unable to assist me in my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Checking or savings account

Wells Fargo blocked our accounts without any notice or explanation as of XX/XX/year>. They are asking us XXXX we plan to stay in XXXX for over XXXX month or have connections with their government. A totally discriminatory and harassment that transpired without any reasons,, we wired no funds or did anything not in compliance with XXXX. 

They are not being transparent and give us, nor the banking employees of the XXXX branches we visited any explanations, just holding our accounts XXXX. Please assist ASAP. 

Note, we are all XXXX citizens, my wife and son are XXXX born and I have lived and worked in the XXXX for over XXXX years and have maintained an account in good standing with Wells Fargo for over XXXX years. 

We desire to leave Wells Fargo and move our accounts to another bank.
Product: Mortgage

I set up automated bill pay with Chase to pull the minimum + {$20.00} for my Home Equity Line of Credit. The bank did not pull that for XX/XX/XXXX and now has cause me to be past due and are claiming I am at fault for not paying in XX/XX/XXXX. The company is at fault for this mishap and now I will have to pay {$410.00} in XX/XX/XXXX for Chase 's mistake.
Product: Mortgage

The bank is charging more on my mortgage then what was said in closure of deal property
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with XXXX XXXX. I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.
Product: Debt collection

Payments to XXXX XXXX XXXX/Transworld : XX/XX/XXXX {$150.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$710.00} Total : {$990.00} This company had garnished my taxes last year on XX/XX/XXXX and I had made payments towards the balance due the previous dates listed above as well, but because of them charging me interest ( about XXXX $ ) every month, It had built up to the same amount balance I owed last year. Therefore I am just repaying the same amount I paid last year and the remaining balance due. Which is basically paying the total debt amount due twice instead of one time. Ive called the supervisor twice to resolve this issue and the company itself several times to resolve this issue but theyre saying even with me setting up a payment plan theyre going to charge me about XXXX $ a month anyway.
Product: Credit reporting or other personal consumer reports

XXXX, equifax, and XXXX keeps reporting inaccurate info on my consumer profile.
Product: Checking or savings account

On XX/XX/22 Discover Bank froze all my accounts ; I was told that this was because there was suspicious activity on the account. I spent a total of 4 hours waiting on hold before I was able to get through to their Security team.

I spoke with a Security team member and attempted to resolve the issue, but instead of unfreezing my account, I was unexpectedly told that as a " business decision '' all my accounts were being closed and that I would receive a check for any remaining funds in 60 to 90 days. I was given no specifics as to why my accounts were being closed. I do not understand how this escalated from my account being frozen to my account being closed. 

Because they closed all my accounts ( checking and savings ), I have lost access to funds I need to pay my bills for at least the next 2 months. As their actions coincided with the first of the month, I wasn't able to pay my rent on time and I will be forced to pay almost XXXX dollars in late fees and penalties.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXXXXXX XXXX - XXXX, XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Checking or savings account

On XXXX I have called Pentagon Federal Credit Union and requested closure of my savings account and closure of my credit card account. The savings account at the time had {$5.00} surplus or positive balance and customer service representative has assured me that I will receive check in the mail for {$5.00}. The credit card account had {$0.00} balance at the time and there was no pending transactions, by the way, I have not used the credit card for weeks. Today, on XXXX PenFed has sent me three different emails informing me that in the future I will be charged {$2.00} for paper statement they will send by regular mail for the savings account and {$1.00} for paper statement they will send by regular mail for the credit card account. The third email is about discontinuation of the electronic tax forms. 
PenFed has no rights to charge customers any fees for mailing the very last statements when customers close the accounts in good standing. These three emails may be sent in error by PenFed but I am still taking it seriously by the huge financial institution to my consumer well being.
Product: Bank account or service

I had a third party write me a check that bounced. Because of immediate availability of funds, I used some of the money. Bank of America then closed my account and reported me to XXXX XXXX XXXX after banking with them for XXXX years. I have never once received any communication about the account, and bankers there can not even tell me what I owe or where to send money to pay off the account. Now XXXX XXXX is closing my relationship there as well because of this report. I have perfect credit and have worked in the XXXX. I am in shock that an institution can have so little communication with a long term client, let alone XXXX mega-institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX. Attempts to continue to break FCRA laws and send me same investigation results continuously that they have investigated again. They are report inaccurate bankruptcies after I gave them identity theft reports and information regarding violation of my rights. I want legal aid information to sue XXXX XXXX in the court of law. Their results says Verified but unspecified information??? If you verified, you should have revelant information including adjudication and adjuction dates which they fail to provide. This is hurting my attempts to obtain credit because they are reporting that I'm in active Bankruptcy and I'm being denied credit.. Im not in a bankruptcy or in a filed bankruptcy which they reporting I am. FERDERAL court did not communicate or verify with XXXX  the above records : XXXX, XXXX, XXXX, XXXX are not my cases. Proved with identity theft reports sent to XXXX XXXX.
Product: Credit card

I have a been a valued AMEX cardmember since 2004. I have a flawless payment history with them and have a credit score over XXXX. 

I received a call from AMEX Financial Review on Wednesday, XXXX XXXX, questioning my ability to pay for the credit cards I have with them and the new credit cards I have signed up with them. One was in response to a targeted letter offer, and 2 others for a personal and business credit card. 

AMEX threatened that I give them permission to request my tax info from the IRS, or else they will shut down my entire account with them. I have never received this before from Amex. It is very shocking because they are demanding to see my private financial information. In response, I have paid off one credit card in full, and planning to pay off the remaining one within the next few days. I do not know what else I should do. I refuse to allow anyone threaten me and violate my privacy. 

What should I do here?
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccuracies in my credit report, which have been reported by various creditors and credit reporting agencies. I am seeking your assistance to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

The credit reporting agencies have reported my name and address inaccurately, which violates Section 607 ( b ) of the FCRA. My correct name is XXXX XXXX XXXX XXXX, but the bureaus are reporting it as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. Additionally, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but the bureaus have reported that I have many addresses, such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These inaccuracies have negatively impacted my ability to obtain credit and have caused me undue stress and hardship. 

I have disputed these inaccuracies with the credit reporting agencies, but they have failed to investigate or correct the errors, which violates Section 605 ( g ) of the FACTA. I have also been discriminated against under Section 202 of the ECOA, as these inaccuracies may be due to errors in identifying my race, sex, or other personal characteristics.

This situation has affected my life in a profound way. Due to these errors, I have been denied credit, employment, and housing opportunities. I have experienced significant emotional distress and financial hardship as a result. I am deeply frustrated and concerned about the impact that these inaccuracies will continue to have on my life in the future. 

Therefore, I am requesting that the creditors remove these unverified accounts from my credit report as soon as possible. I would also appreciate any assistance you can provide in enforcing my legal rights under the FCRA, FACTA, and ECOA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

The last I used my card was a a XXXX to load money to pay my mortgage. That Monday my card was closed along with all of my four childrens sponsored accounts. I arrived at the XXXX and they proceeded to load money onto my card. They kept having computer issues so they attempted to load my card on another register before sending me to another store because the transaction wasnt working. My app then popped up a message saying deposit limit reached. The store manager and four associates were present as this occurred. I do not know what happened that day but that was the last time my card was used and closed that Monday. I want my account reopened as I am a XXXX XXXX XXXX XXXX XXXX and community member. I am honest and have doing nothing to violate laws or terms and policies and I feel violated as a consumer as I use my XXXX XXXX card for a lot of things for my children, business and family.
Product: Student loan

Mohela is adding interest to my balance that should be waived every month per the SAVE repayment plan AND they are reporting a incorrect balance to my credit report. I am on the SAVE repayment plan. I paid my XXXX payment on time. Prior to the end of the COVID forbearance my total balance was {$250000.00} after I paid my payment due for XX/XX/XXXX, interest was added to my balance and my balance increased to {$250000.00}. Per the SAVE plan interest should NOT be added to my balance. I requested that Mohela remove the interest that was added to my balance in XXXX and reply to me explaining why this mistake happened and when they will correct it and they did not correct it. Per the Studentaid.gov website the SAVE Plan eliminates 100 % of remaining monthly interest for both subsidized and unsubsidized loans after you make a scheduled payment. This means that if you make your monthly payment, your loan balance wont grow due to unpaid interest that accrued since your last payment. Mohela is not complying with the repayment plan requirements. I have attached proof of my balance prior to the end of the Covid payment pause, proof that I paid the XX/XX/XXXX payment in full on XX/XX/XXXX on the SAVE repayment plan and proof that Mohela reports a increased balance of {$250000.00} after the payment was made.