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

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  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

On XX/XX/year> the third party debt collector was notified in writing that the debt was disputed and verification of the debt was requested. No information was provided regarding the alleged debt but the third party debt collector continues to attempt to collect on the alleged debt by placing an incomplete and unverified tradeline on my credit report, negatively impacting me, the consumer. I have not received verification of this alleged debt and refuse to pay something that has not been proven to be owed.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an ongoing dispute with Citizens Bank, related to a claim reversal that has resulted in an unjust charge and a lack of communication. 

On XX/XX/year>, at XXXX AM, I visited a XXXX XXXX ATM ( Machine ID : XXXX ) to deposit {$350.00} into my checking account. After inserting my money, I received an error message stating there was an issue returning my cash and that I needed to contact my financial institution to dispute the transaction. I immediately contacted Citizens Bank on XX/XX/XXXX, and within a few days, the {$350.00} was successfully credited to my account. 

However, on XX/XX/year>, I was shocked to find a {$350.00} withdrawal labeled as a miscellaneous charge on my account. After contacting Citizens Bank, I was informed that the withdrawal was a reversal of the original claim from XX/XX/XXXX. The bank stated that they had sent me a letter requesting additional information, but due to my recent relocation from Delaware to Florida, I did not receive the mail. I promptly updated my address and proceeded to dispute the claim again. 

Despite providing all necessary documentation via email, I was repeatedly told by the bank that they did not receive it. I confirmed the email address provided multiple times in XXXX, and was assured it was correct. However, after speaking with a supervisor on XX/XX/XXXX, I was informed that the email address I had been given was incorrect, and I was provided with the correct XXXX. I sent the requested documentation immediately. 

On XX/XX/XXXX, I checked the status of my claim, only to find that it had been closed without explanation, despite my submission of the correct documentation. I have made multiple attempts to resolve this issue, but I have received no clear answers or updates from Citizens Bank. As a result, I am now at a complete loss and feel that I have been treated unfairly. 

I am reaching out to the Consumer Financial Protection Bureau to seek assistance in resolving this matter. I believe that the reversal of my claim and subsequent handling of my documentation has been mishandled, and I am requesting your help to ensure a fair resolution. 

Thank you for your attention to this matter
Product: Checking or savings account

This is the 2nd complaint that I have filed regarding the same issue. Approx. 3 months ago I filed a dispute with Capital One in the amount of XXXX on or about XXXX XXXX, XXXX, I provided Capitol One with all of the information that they requested to support my dispute. I went as far as to provide the manifest from the auction site that clearly shows the amount for this auction was inflated to mislead the bidders of the true value of the merchandise. Furthermore, when I received the merchandise there were missing items, and almost all items were damaged and had no value. In XX/XX/XXXX  Capital One responded to my 1st complaint with the Consumer Financial Protection Bureau, stating that my original dispute had been denied and then I reopened it. That is a false statement, I was never notified that a decision had been made on my dispute. The last communication I received was in XX/XX/XXXX  when I requested an update, stating that there was no update because it was still under investigation. Capital One for whatever reason has not given my dispute the attention it deserved. I have lost all confidence in Capitol One. I am also requesting this complaint be forwarded to other regulatory agencies for their review.
Product: Mortgage

I just called in to schedule a payment with my mortgage company and they are refusing to take the payment unless I can bring my account fully current all at once. We are 4 months behind and also owe this month ( 5 months worth ). We only fell behind because we were in the process of working with our mortgage company to get our loan modified. This process took over a year and, in the long run, they cancelled our modification without our permission because we fell outside of their timeline due to the fact that we were waiting for them to respond to something we requested in writing. I have made several complaints about this mortgage company and so far nothing has been done in our favor. The only reason we even have a mortgage with this company is because our mortgage keeps getting moved by the government due to fraudulent lending practices. Each time we are moved to an increasingly fraudulent lender and our account suffers as a result of this. It has been an ongoing battle with mortgage companies since at least 2007.
Product: Checking or savings account

On or about XXXX XX/XX/2023 - I opened Wells Fargo Everyday Checking account with the promotion of {$300.00}. Promotion terms- get {$1000.00} direct deposit within 90 days and then I ill be getting {$300.00} within 30 days. Promotion code was applied properly.

I have followed with Wells Fargo at least 4 times regarding this. I was told that I need to check in future. 
I called in today at around XXXXXXXX XXXX XXXX XXXX. Talked to first level person and then supervisor XXXX. 
Now wells fargo is saying that this promotion is for brand new customer and I am not eligible. 
As one can see Wells fargo keep on changing their version to some how deny my well deserved promotion of {$300.00}
Product: Mortgage

I bought a house XX/XX/2023 and it was the worst thing I ever did. Two days after I moved in the XXXX building inspector starting sending me letters he is running us out our house. I spent so much money on repairs and updates. I spent my whole savings. The loan company the whole year don't respond to my messages and don't give me answers on the telephone or simply don't answer the phone. The Homeowners Insurance Homesite tried canceling my policy several times when we live in the home. The harassment never stopped by phone or knocking on my door that things need to be fixed. We stuck it out little over a year and I tried cash buyer then realtors and found out it would cost me too much money to sell so I put in for a deed in lieu. They told me that I get it as long as there was no liens on the property. They emailed me there was no liens. My point of contact denied it. We moved to an apartment. The bank send XXXX XXXX to my house and they put up a sign. During a showing the house was vandalized and they busted a water heater upstairs and flooded the whole house. The realtor called me and had me file a claim with Homesite the Homeowners insurance. I did that. XXXX XXXX XXXX XXXX. They put every industrial heater in my house at full cranked. I called XXXX XXXX  and told them. They took the electric out of my name because they were trying to ring up my electric bill over {$1000.00}. They tore up my whole house and wouldn't fix anything. My house looks so bad now. I didn't pay on the first. We couldn't even live in the house if we wanted to. I was so upset. I have had to call the police three times ; for the vandalizingXXXX XXXX XXXX negligence, and the XXXX XXXX XXXX not giving me a final water bill. I can't wait until the house and water is out of my name. What a horrible place and people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been diligently trying to rebuild my credit since XXXX ... I have disputed / reported many discrepancies & have successfully removed a lot of them ... however, there are presently 2 items within the 3 credit bureaus that are inconsistent ; a collection is removed by both Experian XXXX XXXX, but it is still on XXXX ... a medical collection is removed by Experian / XXXX but still appears on XXXX... finally, my length of credit history is inconsistent for all of them ; XXXX is the only bureau that recognizes that I had a Dept. of Education loan that closed back in XXXX, yet all 3 bureaus insist my score age is only 7 months old. I had messaged XXXX prior to this complaint, and was told by an employee " I dont have access to your XXXX account '' to which I was astonished by. I have a Fair rating as of XX/XX/XXXX and feel these inconstancies are preventing my score from being Good to Very Good.

As previously mentioned, I think as an individual I've done all I can with trying to resolve said issues with the 3 individual agencies and the CFPB. I think now would be the time it'd be worthwhile to seek professional advice / action.
Product: Debt collection

Sometime in late  XXXX  of   XXXX   I received a call from  XXXX   XXXX  wit h Niagara Restitution Service loc ated in  XXXX , NY.  XXXX  stated that  XXXX  had referred my unpaid loan t o Niagara Restitution fo r collection and that  XXXX  wished to press criminal charges against me if I did not repay the loan.  XXXX  told me tha t Niagara Restitution  would proceed with filing charges in  XXXX   XXXX   XXXX   XXXX  if I did not not pay immediately. I was terrified so I agreed to make payments of {$160.00} every  two week s until paid off. At the time, I did not know that I could not be prosecuted for an unpaid loan. After doing some research, however, I discovered that the Fair Debt Collection Practices Act does not allow de bt collectors to threaten ar rest for unpaid debts. Also t he State  of  Louisiana does not allow prosecution for unpaid loans. After learning this, I stopped my payments to Niagara Restitution. I struggled to pay this debt for almost four months becau se I have an elderly parent to care for. If I was in jail I would not have the means to bond out and my elderly father would have no one to care for him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank has not accurately informed the credit bureaus of the actual monthly payments that I had made going back over the last year and a half. It not only list inaccurate information on my account but also inaccurate payments I made on an immediate family members account. Some months it states, according to my credit report that I missed payments when I didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank will not remove a late payment status from my account, from XX/XX/2017. I leased a car from US Bank ( never again, they are horrible ) and set up autopay with my bank. My bank ( XXXX XXXX ) did not release payment because they saw fraudulent activity on my account and stopped all payments to protect me. I tried to explain this to US Bank and I had the worst experience, being bounced around on the phone, put on hold for extended period of time, dropped or disconnected calls, telling me someone would call me back, etc. I could go on and on. My bank tried to protect me, they wrote a letter to US bank and US bank would not do anything. I apologized for the mistake which I wasn't aware of until after 30  days went by and then payment was 31 days late. US Bank then put a strike on my credit. If you look at my credit report I have never been late with a payment in my entire life. I do not carry credit card balances, I pay my mortgages off in full when I can. I had a credit score of XXXX and when US Bank did this to me my score dropped dramatically. It was a mistake which I apologized for and which I never made a mistake like that in my life spanning 40+ years of excellent credit, I think that they should correct it. Also, given the fact they my bank, XXXX XXXX, wrote them a letter explaining why they didn't release payment. Again, I set up autopay from my bank to US bank as soon as I leased the vehicle from them. I also had autopay set up from my previous lease with XXXX XXXX and never had a late payment. I am upset that a mistake was made, never intentional, and as soon as I was aware of the mistake I called US make and made three payments over the phone. Any help you can provide is appreciated. I have attached all of my documentation, letters to US bank, letter from my bank, proof of my on-time scheduled payment from XXXX XXXX to US Bank, and more.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, XXXX, and Equifax to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX  As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXXXXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit card

XXXX is reporting a charged-off account with a balance of {$1000.00} with a high balance of {$1400.00} on my credit report. I do not understand how they came to this balance considering that this was a {$500.00} secured credit card. A card on which I put down a {$500.00} deposit which I never received back. Please have XXXX provide me statements for the account corroborating the balance that they are reporting on this account as well as the high balance. How could I charge up {$1400.00} on a {$500.00} credit card? I am requesting this information based on 623 - 15 U.S.C. 1681s-2 ( C ) ( i ) " included on or with any notice of default, any billing statement, or any other materials provided to the customer ''.
Product: Credit card or prepaid card

On XX/XX/2019, a payment check in the amount of {$1500.00} was cashed by someone within the Barclays Bank organization, however, the payment was never credited to our account. The company was contacted about this payment and a conditional credit was placed on our account while the payment was to be tracked down. The bank requested copies of the front & back of the cashed check knowing that such copies do not exist since payments are processed digitally in Barclays ' system, meaning it is impossible to provide what they were requesting. What we were able clearly show and provide was the transaction ID from the check being cashed by Barclays Bank. Even after Barclays was contacted directly by a representative of our financial institution and told that what they are doing is essentially breaking the law, even after having submitted the transaction information showing the payment was received, and now, nearly 4 months after the original payment check was cashed, we are still being ignored by Barclays Bank with no communication about the status of the situation after 6 weeks from the date we re-submitted a letter and all pertinent information to them ( faxed on XX/XX/2019 ). Additionally, we have submitted 2 complaints to the XXXX XXXX XXXX regarding this situation. We have every bit of information necessary to prove they received this payment and it is beyond absurd that they have been able to get away with this. We were given a case ID number by Barclays, but that has been of no help, either.
Product: Credit card

On XX/XX/year> at XXXX XXXX, I received an email from capital one stating that my phone number was updated. Soon after I received another email stating that I was approved for a XXXX credit card along with my name. One minute later at XXXX XXXX, I received a third email stating Thanks for going paperless!, along with my name as well. The fourth and last email I received stated Confirming youve gone paperless along with my name and the last 4 digits of the account. 
I called the bank Capitol One and explained that I have never applied for any credit cards or have capitol one as a bank. They explained to me that there was in fact an account opened with my information and that there will now be an investigation in order to ensure that it is fraudulent.
Product: Credit reporting or other personal consumer reports

RECEIVED AN LETTER DATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATES NO ACCOUNT WAS FOUND !!!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I purchased two items from XXXX using my AMEX credit card. One was to be delivered on XX/XX/2022, and the other to be delivered on XX/XX/2022. Both of these packages had signature confirmation, so I figured everything should be fine and USPS ( the carrier ) should get everything in order before handing the packages off. 

Both statuses were updated to " Delivered to Agent for Final Delivery '' which I had never seen before, but after looking it up, it's used for when someone else accepts your packages, i.e., apartment complex, business, etc. This was weird since I live in my house alone and nobody is accepting packages for me. I waited in case the delivery driver made a mistake, but I did not receive it at the end of the day. I reached out to my neighbors and my local post office to see if they were there and they weren't. 

I contacted my local post office to get a proof of delivery, since this package had signature confirmation and it was delivered to an " Agent, '' I figured I'd be able to find out who received my package. Instead, I found that the " Actual Recipient Name '' and Signature on the proof of delivery were not real at all. The names weren't even names and the signatures were just circles. I've attached both proof of delivery 's for these packages. 

When I contacted XXXX ( the merchant ), I was told that the tracking numbers showed as delivered, so I was out of luck. With this, I contacted AMEX since the merchant wasn't helping me to resolve the issue. I created the disputes and I thought everything should be fine. 

However, both the disputes were closed in the merchant 's favor with the merchant providing the same proof of delivery with the fake names and signatures. I brought this up to AMEX again and was told that I should contact the merchant instead. 

I'm trying to understand how the proof of delivery provided is being accepted as proof when the names are not even names and the signatures aren't real at all and USPS accepted those and handed the very high valued packages off to whoever received them.