23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We entered into a mortgage agreement with Wells Fargo in XXXX. At that time, our loan was securitized. The pooling service agreement ( PSA ) that applies to the loan does not limit the number of times the loan can be modified. The loan was modified a number of years ago by Wells Fargo via adjustable rate modification that was executed in XX/XX/XXXX and we completed. The loan was re-set to the original terms of the loan. In XX/XX/XXXX, Wells Fargo modified the loan again and transferred it to XXXX. The monthly payment and interest rate essentially remained at the original levels. We applied for another modification in XX/XX/XXXX which has been denied. One of the reasons that Wells Fargo, who is now the loan servicer, provided to us in writing is that we have exceeded the allowable number of modifications of the loan. This contradicts the PSA. Wells Fargo has also informed us in writing that we do not meet the requirements for loan modification but have not provided us a written explanation of what the requirements are. Wells Fargo verbally informed us that the investors that own our loan do not want to allow us to modify the loan at this time. Wells Fargo has approved us for a Short Sale of our home. We appealed Wells Fargo 's decision to deny our mortgage modification application and our appeal was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX, XXXX XXXX XXXX  and lexisnexis reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX  {$560.00} opened in XX/XX/XXXX 2 ) XXXX XXXX {$72.00} opened inXX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$860.00} 4 ) XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX {$870.00} 5 ) XXXX XXXX XXXX `date opened XX/XX/XXXX {$620.00} 6 ) XXXX XXXX XXXX XXXX date openedXX/XX/XXXX {$400.00} 7 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 4 ) 1XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6 ) 2XXXX XXXX XXXX XXXX XXXX XXXX  02909 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX wrong phone numbers 1 ) XXXX-XXXX-XXXX  2 ) XXXX-XXXX-XXXX 3 ) XXXX-XXXX-XXXX 4 ) XXXX-XXXX-XXXX 5 ) XXXX-XXXX-XXXX Inquiries I didn't allow 1 ) XXXX  2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX XXXX-XXXXXX/XX/XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXXl 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX  9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX  12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX   14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX  16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX  18 ) XXXX XXXX XXXX 19 ) XXXX XXXX  20 ) XXXX XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent email to cash app asking to have my account unlocked I have money on the account I cant use because they locked it not sure why but I submitted request to have unlocked received general email when you request support says I would receive email within 24 hours I heard from them finally on XXXX XXXX asking for additional information to help me with the account I sent all required information asked back to them eight minutes after I received email and I still have not heard anything yet and today is XX/XX/2020 I just want my money
Product: Credit reporting or other personal consumer reports

Equifax will not allow me to create an account and or view my credit score or credit report due to a discrepancy with my date of birth. Theyre stating that they do not have a valid date of birth on file and this is the reason for not being able to create an account and view my report or score. I was instructed to mail in via postal service documentation proving my date of birth. I dont feel comfortable doing so. I am unable to upload this information via their website because I can not create an account due to the same date of birth issue they are experiencing.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX First advantage reported to an employer I had gone to jail for 5 days XXXX XXXX XXXX Fl for misdemeanor {$22.00} checks written in XXXX I called XXXX XXXX XXXX and their records do not indicate I have ever been in jail. I only paid the checks & fees. 
This was 20 years ago and they just reported it in XXXX to a job I applied for. 
I submitted the court records they did not adjust it.
Product: Mortgage

My mortgage lender, U.S. Bank periodically sends multiple Mortgage Statements for the same loan due date period. These duplicate statements are confusing, especially when I timely pay my monthly balance. The duplicate statement is sent even after U.S. Bank acknowledges receipt of payment! I have mistakenly ( almost ) made double mortgage payments to U.S. Bank. I initially called U.S. Bank customer service and they say there is nothing they can do, it is a government ( RESPA ) requirement that they send out duplicate statements and that U.S. Bank can not change its software. U.S. Bank simply says " disregard '' the second statement. The duplicate statement is not identified as duplicate and it creates accounting problems when duplicate statements are sent by my mortgage lender. 

In a recent call to U.S. Bank regarding another duplicate statement they indicated that it is a Consumer Financial Protection Bureau " regulation '' that requires U.S. Bank to send out duplicate statements every " 31 days '' from last communication. Therefore, if I pay my bill timely ( or early when rec 'd ) and/or the following month is a longer month then ( according to U.S. Bank ) per your CFPB regulation, U.S. Bank says it must send me another statement for the billing period that I already paid and they have received. If this " 31 day '' rule is truly a CFPB regulation -- & gt ; then it is a stupid regulation. If it is a CFPB ( well intended ) regulation,,, it results in a consumer unfriendly outcome when it is applied to my facts and circumstances, hence a stupid regulation. U.S. Bank indicated other customers have complained about this problem! I have also escalated this problem from U.S. Bank Customer Service to U.S. Bank Consumer Advocacy for attention. 
So,,, Is this a CFPB, U.S. Bank or other party problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX   XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me under same account number 8 different accounts with multiple 90, 120 days late payments. There was an error on their part. I was never 90, 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in good standing and is not being reported on any of my credit reports. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX Now Part Of XXXX illegally SOLD my debt and information to a third party debt collector on XXXX Which would be I.C. SYSTEM, INC. Both of these Debt Collector Companies REFUSE to RECONNECT my phone services as a Consumer for personal/family use pursuant to 15 USC 1692c , and I am TIRED of repetitively being ABUSED and HARMED from both of these companies for having my services Disconnected Every Since XXXX XXXX XXXX XXXX XXXX pursuant to 15 USC 1692d XXXX Both Debt Collector Companies have False and Misleading Claims/Representations stating that I owe a DEBT of a POSITIVE BALANCE of {$420.00} pursuant to 15 USC 1692e . This is HIGHLY UNFAIR to me as a consumer and neither one of these debt collector companies have Validated this debt they Falsely Claim I owe, pursuant to 15 USC 1692e AND pursuant to 15 USC 1692f AND pursuant to 15 USC 1692g. I.C. SYSTEM, INC has furnished multiple deceptive forms to me via email which is VERY UNLAWFUL AND ILLEGAL pursuant to 15 USC 1692j ( a ) and 15 USC 1692j ( b ), And ANY person OR Company who violates this section shall be liable to the same extent and manner of a Debt Collector under section 15 USC 1692k! As of Today, XXXX my phone services for Account Number : XXXX STILL Remain ILLEGALLY DISCONNECTED and according to the FDCPA and FEDERAL LAW 15 USC 1692k CIVIL LIABILITY Specifically States, that is backed by Congress to protect Consumers, AND it is {$1000.00} PER VIOLATION AND DAMAGE to the Consumer. My phone services need to be RECONNECTED ASAP, IMMEDIATELY!!!!
Product: Credit card or prepaid card

XXXX XXXX XXXX advertised about getting a full head with no XXXX, you can swim, sweat whatever it will never come off, so I went in for a free consultation spoke to manager XXXX he explained I would get 3 hair units and 1 yr of service for washing, styling, cutting and products included for {$4700.00} and they didnt take XXXX XXXX card but I could finance it on their credit card so I was approved from Comenity Capital BankXXXX XXXX $ XXXX XXXX said my card would come in the mail and he measured my head and ordered the hair and stating it will be back in 6 to 8weeks, and got an appointment to come back after 8 weeks to get hair put on and styled then the service started from that first appointment I waited 3 months for a card I never received, I called Comenity they first said it was in the mail after months of waiting they said I had no card I had a line of credit ... so in the mean while every 3cto 4 weeks I go in to hair club for wash and style ... Towards the end of the year I asked for my other 2 units and was told I wouldnt receive any more units I had used them when I changed hair styles but that was never explained to me during the treatments, I thought they were using the same 1 unit and restyling, washing and cutting, the stylist nor XXXX ever said to me a style counts as a unit during the 1yr service .... then I asked for a manager because this was never explained to me until towards the end ... .another manager XXXX came out to speak to me and my daughter, she said she would try to make it right as best as she could, she contacted upper management and got back to me 1wk to 2 wks later and said she would order me 1 new unit and repair the one I was wearing to make up for the misunderstanding but it would take 6-8 weeks to get the new hair, at the end of the 8 weeks I called XXXX and was told XXXX no longer worked there, I asked for XXXX , he refused to talk to me so I contacted an attorney who wrote XXXX  and they refused to answer the attorney back. I contacted comenity capital bank/XXXX XXXX to start a dispute a dispute the beginning of 2019 and the end result was they sided with XXXX. I feel like the public needs to know that XXXX is doing a sort of bait and switch they tell you all good things in the free consultation but switch up after you take a line of credit thats why they do not take other credit cards because outside credit card companies we stand up for the consumer and make them honor the verbal contract but Comenity Capital BankXXXX XXXX will not.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of of disputes particularly in the recent highlighting the issues of the Zelle platform. Dispute using Zelle plenty of times and reporting the issues Zelle and my financial institution failed to investigate my claims adequately and thoroughly. Through the CFPB findings this has left me vulnerable for scams to repeat offenders.
Product: Credit card or prepaid card

Received the following email from American Express on XX/XX/XXXX claiming they will essentially give me {$2500.00} Statement Credit ( basically cash ) if I do a refinance through XXXX  which doesn't seem to even be affiliated with American Express. My concern/complaint is why just this particular mortgage lender and why is American Express steering me to use just XXXX XXXX   XXXX? To me it's seem unfair that as a long time card holder I can't choose who I want and still get this statement credit especially when there seems to be no company affiliation between the 2 companies. See below email content received on XX/XX/XXXX. 



****, an exclusive {$2500.00} Statement Credit offer from XXXX   available inside. 
Inbox x American Express    Unsubscribe XX/XX/XXXX, XXXX XXXX  ( 2 days ago ) to me Manage Email Preferences AMERICAN EXPRESS Don't live life without it Account ending : ********* Member since : XXXX American Express Platinum Card Hello , ********** Log in Display images to show real-time content As a valued Card Member since XXXX, we expect you to count on us through lifes biggest moments. From that new couch to that room with the perfect view, investing in your home should feel simple and rewarding. Thats why we want you to be among the first to know about an exclusive offer from XXXX to help make the homebuying process more convenient for you. 

Exclusive offer for eligible American Express Card Members provided by XXXX. Apply by XX/XX/XXXX, to unlock this offer : {$2500.00} Statement Credit Get a {$2500.00} American Express statement credit when you purchase or refinance your home with XXXX. Must close your mortgage by XX/XX/XXXX, to receive the credit. * Free Appraisal with XXXX XXXX Enjoy free appraisal, a {$550.00} value. Plus, XXXX will rush your appraisal at no additional cost so that you have peace of mind. * Dedicated Concierge Access to a Better Dedicated Concierge that is available to support you from start to close. * When you buy a home or refinance with XXXX, youll also have access to their suite of benefits, such as : Competitive Pricing Get a competitive, low and transparent rate. 


No Fees for Originating your Mortgage Pay no fees for application, origination, underwriting, or commission. Other fees will apply. 


Computer monitor and mobile device icon A Digital Experience Apply through a digital process. 


Get Offer
Product: Credit reporting or other personal consumer reports

XXXX XXXX a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq.

I, the consumer, have been adversely affected by XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations.

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. REGIONS BANK and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked.

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX  and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX  and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services.

My intent is to sue if said issues are not resolved.
Product: Credit card

Barclay credit card states that I am to receive XXXX pts per dollar spent at XXXX hotels. I am only receiving XXXX pts. I have called numerous times to resolve this issue. It was resolved a few months ago and I was awarded my earned XXXX pts. It is now back to XXXX pts, I have called and received case numbers ; however, no resolution.
Product: Credit reporting or other personal consumer reports

There are addresses on my TransUnion that are not mine. I have no apartments or house in my name. 
I locked my TransUnion XXXX XXXX. Now I cant get into my account and TransUnion has been misusing my information. All information is incorrect that I mentioned. TransUnion forget password will not let me in my account. Will not resent my password. Ive called them and an agent transferred me to wrong person to reset password.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the inaccuracies regarding the XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX to XXXX and Experian, but they did not conduct an investigation. The account has been reporting different high balances with XXXX while reporting different information with Experian. It also does not report a credit limit with XXXX so how can there be a high balance be reported or how can it be determined what is correct? Then there is no date of last activity, but has been reporting a current payment status until XX/XX/2023. 

It states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and has removed it from their records following the submission of the required FTC report. Despite this, the account remains on my credit report with your bureau.The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future Please DELETE this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is response to complaint number XXXX have reviewed my consumer report and noticed that I had inaccuracy of late payments on an account that I was never late for : XXXX, XXXX ( 30 days ), XX/XX/year> ( 60 days ) ( Account # XXXX ) and inaccuracy of " Account Type ''. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates [ 15 U.S.C. 1681 ( b ) " Accuracy of Report '' ]. I have never been late on payment for the account that I have included in the screenshot inside this complaint. Investigate this billing error [ 15 U.S.C. ( a ) ( B ) ( i ) & ( ii ) and 15 U.S.C. ( b ) ( 2 ) ( 4 ) ( 5 ) and provide me proof with statement showing that these payments were late. In general ( timely notice ) notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after furnishing the negative information to a consumer report agency described in section 1681 a ( p ). In coordination with other disclosures, the notice required under subparagraph ( A0 ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the consumer ; and clear and conspicuous. FCRA ss 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires certain financial intuitions to provide written notice to a consumer before furnishing negative credit information to a consumer reporting agency. If proof can not be provided I demand these payments be updated to " Paid as agreed on time, never late '' as should be due to the fact I was never late.