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

On XX/XX/XXXX I was sent a letter from Chase saying autopay for my credit card was removed. The letter said I owed {$53.00} and action was needed. Chase recommended to " Please pay your bill by the due date on your statement or re-enroll in XXXX. '' On XX/XX/XXXX I re-enrolled in autopay and updated my bank information following the recommendation of the letter. At this point, I felt the matter was resolved. 

On XX/XX/XXXX, I received a call from a Chase representative. The representative said my bill was overdue. I did not expect this call since I had taken appropriate action as recommended by the letter sent on XX/XX/XXXX to re-enroll in autopay. I paid my balance in full ( {$110.00} XXXX on XX/XX/XXXX and the representative was kind enough to waive any related fees. 

On XX/XX/XXXX, I checked my credit report. Chase had reported that I was late on my payment for 30 days. I contacted Chase customer support multiple times to try to get the late payment removed from the report. Chase representatives refused. 

It's pretty simple. Chase had sent a letter saying I owed {$53.00}. In that letter, they recommended steps I could take to pay the amount owed. I followed their recommendation but was still reported by Chase to the credit agencies. This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to do anything with their website ( currently trying to unfreeze our credit ). It says the website it experiencing difficulties. Try to call them and hold time is 30+. Told them about website but after a week still a problem. Extremely frustrating trying to get a mortgage or get credit opened. We are at their mercy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times an account has been disputed, with both the agency and the creditor with letters requesting proper debt verification on XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 
The agency did not provide for the 3rd time supporting documents, and methodology to verify the debt bearing my signature, and documents that make me legally binding contractually. The agency has failed to prove the debt, and also omited to provide the methodology according to the Fair Credit Reporting Act and other law. 
Wrongly they just issued a reinvestigation report with no support again. Attached you will find the letters sent on XXXX, and XXXX with this last 2 failures out of 3 or 4 disputes.
Product: Money transfer, virtual currency, or money service

I have been trying to withdraw and transfer USD and cryptocurrency from my Gemini wallet but have been unable to.

When I reached out to Gemini support about the issue, they immediately restricted my account ( without explanation ). Any further attempts to reach out to Gemini support resulted in no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed a recent credit report and identifies inquiries in my report that were not authorized by me and was requested fraudently. 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: Mortgage

In XXXX I received a bill from Carrington Mortgage. I called to tell them was a mistake. My loan was through XXXX XXXX since they bought it from XXXX XXXX in previous complaint. I never agreed to this or even talked to anyone. After further checking this was some sort of equity loan I never received. By this time XXXX was foreclosing during pandemic. I checked with Sheriffs dept bf sheriff sale and mortgage holder was XXXX and they verified the last appraisal was in XXXX. I bought this home in XXXX. Paid for appraisal but never received it. I Called Carrington Mortgage and advised they were NOT mortgage holder listed. There response was hanging up and blocking my number. Also emailed with no response.
Product: Mortgage

Submitted payment through the only means Carrington Motgage Services would make available, XXXX XXXX {$1600.00}. Carrington Mortgage Services declined payment. They are demanding full payment and I ca n't do that. It is over {$5000.00}. In addition there is no way to make a current payment. I have applied for the loan to be modified but I get the impression they are simply trying to drive me out of the house
Product: Checking or savings account

Trip : XXXX XXXX XXXX charity event XXXX XXXX, President XXXX Company with issue : XXXX - XXXX XXXX   XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX T : XXXX XXXX XXXX Other members XXXX XXXX XXXX referred by XXXX XXXX as the refund contact XXXX : XXXX XXXX XXXX XXXX Travel Consultant Phone XXXX XXXX XXXX Fax XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Expected Travel Dates : XX/XX/2020 to XX/XX/2020 Issue : Trip did not happen as planned and was delayed by the vendor in XX/XX/2020 when health, safety and travel bans were put in place due to the Covid-19 response. The trip was officially canceled with letter on XX/XX/2020 issued by XXXX XXXX. I along with my group were promised a full refund for airfare, hotel, tours and other incidentals by the XXXX XXXX XXXX XXXX owner and asked to wait months before he could file claims on our behalf. He then said he would issue 50 % refund in XXXX and once the associated businesses opened up issue us the remaining funds. Days later he took back those words and has now refused any association to returning our funds. In the latest contact with the owner, he said his staff would be back in the office on XX/XX/2020, but he was working from home. When I emailed, the auto reply is now back in the office XX/XX/XXXX and he is working from home. He no longer will answer emails knowing we discussed my waiting to XX/XX/XXXX to speak with his employee. Airlines and hotels are particularly open. Yet, he still refuses to assist. I believe he has no intention of reimbursing me. 

Prior to this, I consulted my bank ( Bank of America ) and filed 3 claims for the below payments : - For dispute amounts and claim # # 1 {$1300.00} : XXXX # 2 {$1200.00} : XXXX # 3 {$790.00} : XXXX Unfortunately, BoA will not assist me further in the dispute because the claim submission time falls after the 60-72 day timeframe for filing disputes. They refuse to consider the Covid-19 pandemic and have closed each of my 3 claims. I was also promised a letter informing me why in writing, but they two have not followed through and the letter was never received.
Product: Vehicle loan or lease

My problem started last year i started having problems paying my car but i felt like i was in constant contact with Wells Fargo dealer services to let them know of my situation. In XXXX i called the local branch which i was told was located in XXXX, Ca and made a payment and notified i would be calling back in XXXX to make a payment. XXXX came around and i knew that i was still struggling financially so i would not be able to make a payment. I called again the number to the local XXXX branch and told them i would not be able to make a payment u til end of XXXX. They said that was fine. Woke up on XX/XX/XXXX and found my car was gone. I called 2 times and spoke with two agents who were the most unhelpful people ever one of them even told me i needed to listen and at first refused to get me a supervisor. I finally got a hold of a supervisor who gave me some information but told me he could not help me that i would have to call again on Monday XX/XX/XXXX. I called Monday morning and the person has no idea what Im calling for and I the consumer have to tell him who to transfer me to. I finally speak with someone who says they have no information. I am them transferred to the presidents office to file a complaint which i did and i told them my whole story plus some additional concerns i had with the repo of the car. They say great someone will review and call you back within 10 days but you can call tomorrow about your car. I called Tuesday XX/XX/XXXX and they had no information yet. I called Wednesday XX/XX/XXXX and they finally have information but now are telling me my car is being transferred to another location. At this point i ask to only speak with the person handling my complaint. I am told she is in the office so i leave a message asking her to follow up right away. Thursday XX/XX/XXXX comes and i still have not heard back around XXXX pst so i call and am told she is not answering but transferred to a man named XXXX who provides some help but again not much as far as a resolution at this time i ask why it was repo after i made arrangements and am told they have no notes about that conversation or that part of my concern. I finally hear back i friday XXXX from the person handling my claim and again am told they have no record of my arrangements with them. My car should have never been repossessed or they should hve told me in XXXX. They claim they couldnt make any co tact with me but i have one voicemail in XXXX which is what prompted me to call and make those arrangements. They claim they have everything documented yet no one seems to know why i am calling and every person you speak with gives you different information. This has been a horrible experience and the entire company needs better training
Product: Debt collection

On XX/XX/2021 I tried to get more information about this debt and never got it
Product: Credit reporting, credit repair services, or other personal consumer reports

credit Karma promises that they had been " pre-approved '' for financial products, including major credit cards. 
Not being true my credit score drops considerably
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to contact XXXX XXXX XXXX XXXX and they have not been responsive. In the month of XXXX my card was fraudulently used, I did dispute this transaction and it ultimately was resolved but ( XXXX ) reported a late/ missed payment to Transunion and XXXX XXXX the month of XXXX claiming that I am XXXX days late which is incorrect, and my credit card statements prove so.
Product: Student loan

Navient assured me that I was enrolled in the public service loan forgiveness program, which I am apparently not. I have been scammed already by XXXX XXXX and was paying them for 3 years, being led to believe that I was making payments towards this program. While being scammed by XXXX, Navient NEVER informed me that I was not making any payments towards my student loans, let alone the program itself. Once I was informed that XXXX was scamming me, I talked with Navient customer service directly and asked if I was properly enrolled in the PSLFP and they said that I was. Now I am not sure what I am suppose to do? Between these two companies I have lost at least five years of time with the program ... .thats over half my payments that need to be made for this program, not to mention 3 years of nothing at all being paid on my loans, the amount of interest just racking up!
Product: Credit reporting or other personal consumer reports

XXXX clear on this request I'm not asking but informing the credit reporting agencies XXXX, EXPERIAN and XXXX that they are not abiding by laws in place for improperly and inaccurately reporting information to my crefit profileXXXX XX/XX/XXXX I disputed the validity of a late payment with XXXXXXXX XXXX XXXX  mortgage acct XXXX stating I was late on a pament dated XX/XX/year> The XXXX parties above have responded that it was validated by XXXXXXXX XXXX XXXX so at this point I would like to know the ID # ' of persons that contacted creditor and who they spoke with along with contract I originally signed, payment Ledger and what my form of payment was and dates. Also date they spoke with representative from XXXXXXXX XXXX XXXX if this can't be provided within 15 days I will be requesting this matter to be handled legally ( ADR ) Alternative Dispute Resolution this matter had caused a lot of headache and works against my crefit worthiness.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Product: Mortgage

For four years, from XXXX XXXX, XXXX though XXXX XXXX, XXXX, Bank of America has never provided written notice on appeal, or any notice detailing the exact reason ( s ) for denial on appeal, or aprovided any statement indicating one can obtain the documentation in which a denial is based upon. 
Upon receipt of my complete RMA application for a foreclosure prevention alternative offered by, or through, the Bank of America mortgage servicer, a mortgage servicer, trustee, mortgagee, beneficiary, or authorized agent, Bank of America shall not cause he recording of a notice of sale or conduct a trustee 's sale while the complete foreclosure prevention alternative application is pending, and until the borrower has been provided with a written determination by the mortgage servicer on appeal regarding that borrower 's eligibility for the requested foreclosure prevention alternative. Following the denial on appeal of a first lien loan modification application, the mortgage servicer shall send a written notice to the borrower identifying with specificity the reasons for the denial and shall include a statement that the borrower may obtain additional documentation supporting the denial decision upon written request to the mortgage servicer. If foreclosure alternative is approved of in writing, servicer can not record an NOD, NTS, or conduct a sale while borrower is compliant with agreement, or has provided servicer proof of funds/financing, or is awaiting the written notice in accordance with California Civil Code XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with the original creditor being XXXX that was a fraudulent account that has been disputed several times this account is now being reported under XXXX XXXX as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for 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 XXXXXXXX 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 Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX  XXXX Balance {$7.00}
Product: Credit reporting or other personal consumer reports

I woke up to find incorrect accounts showing up on my credit report, and I dont know how or why this is happening. I check my report frequently, and its always been accurate until now. I tried refreshing my browser, thinking it might just be a temporary issue, but the accounts stayed there. Im at my wits end and need the documents Ive submitted to be thoroughly reviewed. I cant keep dealing with this fear and confusion.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and incomplete information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I request that you conduct a thorough investigation of the following disputed items and provide a prompt and complete resolution. This request is made with the understanding that, as a consumer, I am entitled to have my credit report contain only accurate, complete, and verified information.

Please treat this dispute with the seriousness and urgency it warrants. I expect that you will adhere to all legal guidelines under the Fair Credit Reporting Act, particularly those outlined in 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), which require credit reporting agencies to maintain maximum accuracy and correct any inaccuracies in my credit report. 

I have listed all the items I dispute below, including the reasons for my dispute and relevant legal citations. Please ensure that your investigation into each disputed item is conducted in full compliance with the FCRA. 

Disputed Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : This account is being reported with a negative status due to charge off. However, I believe this account has been incorrectly reported or is no longer valid due to its age or other discrepancies. Under 15 U.S.C. 1681c, any negative information that is older than seven years must be removed from my credit report. I request that this item be removed as it has exceeded the reporting limit or was inaccurately reported.

Violation Cited : 15 U.S.C. 1681c Information excluded after seven years. Negative accounts older than seven years should not be reported. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : The reported balance for this account is inaccurate. I have resolved the debt, and it should not reflect an open balance. Please provide documentation to validate this reported balance. If you can not validate it, I request immediate removal of this entry from my credit report. 

Violation Cited : 15 U.S.C. 1681e ( b ) Duty of credit reporting agencies to ensure maximum accuracy.
Product: Credit card or prepaid card

Dear Sir or Madam, I recently discovered I was being charged huge interest on a Care Credit card that had been promoted as free financing for XXXX XXXX done in 2013. The company, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX AZ XXXX ( ph. XXXX ), represented by XXXX XXXX ( Director of XXXX XXXX and XXXX XXXX ) promoted interest free financing in an effort to get me to sign up for a Care Credit card. I was referred by her to XXXX XXXX in XXXX 2013. He told me that there was to be " no interest on the full amount of the charges for this XXXX XXXX until fully paid off ''. This was a promotional offer, the sole purpose of which was to " promote my use of the card for further purchases. '' This was untrue. At the end of an unmentioned 2 year promotional period, I was charged the accrued interest at 26.99 % for that two year period. The amount of that interest was {$2400.00}. I was not shown, nor was I verbally informed of any promotional period that involved a payment of accrued interest when it expired. Upon questioning XXXX XXXX about this, she sent me two Care Credit Sales Drafts of that agreement that were UNSIGNED. They were unsigned because I never saw them at any time during the meeting with XXXX XXXX. If I had, I would certainly not have signed such a poor agreement. ( These unsigned sales drafts are included in the attachments ). I made the mistake of allowing an automatic debit to take place on this card along with online statements, thinking that ( as XXXX led me to believe ) the principal would simply get paid down. While it would have been in my interest to have regular statements delivered, during that period my wife developed XXXX and for the following couple of years I was preoccupied with her care and the details of her eventual death. Meanwhile, the card was not getting paid down at all. In fact it was developing the horrendous compound interest which I only discovered recently. I have heard of this sort of activity by unscrupulous credit card companies, but never believed a company like XXXX would be involved in such activities. As I indicated to XXXX XXXX, I feel like a rube at a carnival that has just been duped out his hard earned cash. The attachments include emails between myself and XXXX XXXX, along with the unsigned Care Credit sales drafts, my original financial agreement and the credit card statement for the month the lump sum was added to my account. Please note that the emails/attachements time line reads from BOTTOM to  TOP. Thanks for your help, Cheers, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a conventional mortgage in XXXX for a new home. Lender said I had a previous " Forclosure '' on my credit report. I have limited time to qualify for this loan in order to close on my new home, which is scheduled for XX/XX/XXXX. 

The mortgage servicing company, XXXX XXXX XXXX, is reporting that my " account was paid for less than full balance '', indicating that there was a forclosure and short sale. This is innacurate as the loan was indeed " paid in full with no balanbce due I have provided the HUD-1 statement from the sale of the subject property, and the payoff letter from from XXXX. I have contacted XXXX, who confirms that there was a forclosure started, but it was retracted since the loan was " paid in full with no short dale '' and that the payoff was not due to foreclusure. 

I recieved notice today from Equifax that they have completed my dispute regarding the inaccurate Information on my report. They said they confirmed the information, stating that the " Account ( was ) Paid For Less Than Full Balance ''. 

The lender said that this inaccurate reporting will prevent me from obtaining the loan necessary to close on my new home. 

I am enclosing all pertinent documents, showing that the XXXX reporting on my credit report is inaccurate. Their reporting is, and has been causing me financial harm. Please help me. I have done everything I can to get this corrected, and don't know where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX 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 vears.

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: Debt collection

Extra charge after already settled at hospital. PLEASE PROVIDE IN-DEPTH VALIDATION FOR AMOUNT DUE