23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo offered a mortorium ( ability to skip XXXX payments without penalty ) due to our area being declared federal disaster area after major flooding. We were advised at the end of this time period we could modify if we were unable to make all payments at once. There was no written disclosure or agreement this was all done by phone. Previously XXXX 2013 our mortgage was modified due to medical /loss of income hardship which disqualified us for any additional assistance ( according to Wells Fargo ) which was never disclosed to us. We have been trying to work with Wells Fargo now for over a year and continuously being told to keep applying for a modification that our loan does not qualify for, in the meantime we were told we ca n't make payments and escalated to foreclosure. According to Wells Fargo the reasons for denial is that we make too much money, need to show a reduction of income, have been previously modified, and need to show proof of a hardship ( Which the hardship was the previous flood and now the acceptance of the mortorium ) After attempting at least four times for assitance we were finally advised to basically give up that our loan would never qualify for further assistance due to the previous modification. This was a deceptive act by our servicer because this information was never disclosed so we could make an informed decision about going through with the mortorium. We currently do not have a sale date and periodically contact our lender to see if other programs or help exist only to be told we do still do not qualify for assistance. We 've also been told that they will continue to advise us to apply because they cant refuse to offer, even knowing the outcome will be the same. This has given us false hope and allowed our deliquency to snowball. We escalated this issue internally with some other concerns about how they were initially attempting to contact us ( visiting our neighbors asking questions, ie.. if we still live here ) When we never stopped communication with them. I received a letter stating they did not find any violations and dismissed my complaint. ( see attachment ) We believe that we are victims of deception which was executed by no disclosure for the mortorium agreement and also a form of discrimination not being offered assitance due to having previous issues with our loan. We would like to move forward with this matter as a foreclosure hearing date has been set later this month. Wells Fargo needs to make this situation right and restore our loan and our faith in our loan servicer.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a XXXX of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX  Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an egregious issue I have encountered with Equifax concerning a dispute I filed and the subsequent investigation of that dispute. On XX/XX/2024, the dispute I mailed to Equifax concerning double reporting on my credit report was concluded between the XXXX and XXXX of XX/XX/2024. Following this request, Equifax conducted an investigation into the matter. 

However, despite the completion of the investigation, Equifax has failed to provide me with the results in a timely manner. When I contacted Equifax to inquire about the status of my dispute results, I was informed by a representative that they do not have to provide the results until 30 days after the investigation is completed, citing it as their policy. I have recorded a video where the representative explicitly stated this policy multiple times. 

Furthermore, this delay has caused me a significant amount of stress and mental anguish. The uncertainty surrounding the outcome of the dispute and Equifax 's failure to adhere to the legal requirements have exacerbated my concerns and affected my peace of mind in addition to health. As of XXXX XX/XX/2024, I still do not have the results of the investigation. 

Notably, both myself and my attorney have been eagerly awaiting these results as they are pivotal in the progression of our case. Equifax 's violation of the law by holding up this process has necessitated the initiation of a new case, which further exacerbates the strain on both myself and my legal counsel. 

In my attempts to expedite the resolution of this matter, I have contacted Equifax multiple times. On XXXX separate occasions, I spoke with representatives who assured me that they put in a request to send the results promptly. However, despite these assurances, the delay persists. Frustratingly, during my most recent interaction with a representative, I decided to record the conversation due to past disappointments and inconsistencies in Equifax 's promises. The representative states they have 30 days to mail out the results and that the results have not been mailed out. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to provide consumers with the results of an investigation within XXXX business days of completing the investigation. This regulation ensures that consumers receive timely resolution and are informed of the outcomes of any disputes they have filed. 

I am deeply troubled by Equifax 's blatant disregard for the FCRA and the impact it has had on my well-being, legal proceedings, and trust in the credit reporting system. 

Please conduct a thorough investigation into this matter and take decisive action to compel Equifax to provide me with the results of my dispute investigation without further delay. Additionally, I seek your guidance and assistance in addressing the emotional distress caused by this ordeal and the hindrance it poses to my legal proceedings. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in the earlier part of last year that I was accepted in XXXX XXXX so I started reviewing my credit report to make sure there were no disparities so that I could qualify for student loans that upcoming fall quarter and I discovered an student loan from XXXX was reporting a balance of {$3900.00} ( as of XX/XX/2020 {$3900.00} was written off and {$1000.00} was past due ). First I contact the company that was originally listed with XXXX on the Experian report and they were called XXXX XXXX. XXXX XXXX informed me that they no longer had the account and that it had gone back to XXXX. I contacted XXXX right after the phone call and XXXX informed that there was no debt associated with my name or social security number after sending me to numerous departments. So I went ahead and filed a dispute with Experian and let them know the information I was given. I began law school and started accessing my credit reports again and the account was still on there so I filed another dispute in the months of XXXX, XXXX and XXXX. To no avail the account remained and Experian reported the debt was valid. I continued to file disputes in XXXX and called XXXX an additional 2 more time and was told every time that there was not debt for the amount listed on the credit report associated with my social security number. All of this information was once again sent to Experian and the results of their dispute remained for the months of XXXX, XXXX, XXXX and XX/XX/2020. As of XXXX Experian started not only reporting the possible debt as a charge off it is also reporting it as being late. This account has led me to becoming so depressed I do not see a way out. As of know I will not qualify to go back to school next Fall because I will not qualify for student loans due to this negative mark on my credit report. I am distraught because I have work so hard to get to this point in my life. If I do get to finish law school eventually I will be the first attorney in my family.
Product: Credit card or prepaid card

On XX/XX/21 l XXXX went on line to request a credit limit increase and to determine if they would do a credit limit increase without a hard inquire. I was only updating my info. Also the information I got online stated that in order to finalize the process l would need to finish the process. Finally, the rep admitted that the process could not be completed without verification but they stated they can still giving a customer a hard inquiry. 

Citi bank is in violation of the law by not legally verifying a customer 's identity.
Product: Debt collection

Optimum Outcome, Inc. a debt collector keeps harassing me and calling. I 've told them prior to XXXX 2015 that I could not pay the debt and I am currently on XXXX. They have continued to call even though I blocked them on my cell phone, they are still able to leave a message on my voicemail. The calls that I still have logged are from XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and today, XXXX/XXXX/15 at XXXX p.m. I do not need this stress while on XXXX and XXXX.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXXLoan # XXXXTo whom it may concern, Recently I enrolled for equity accelerator program, however, I change my mind and canceled it couple days later.I thought I have 90 days from the day after the enrollment. I do n't know that they count back in 2013. No boby explain for me before they reinstate my enrollment.I call to request enrollment fee to be waived because of the lack and unclear explanation. I though when I cancel the program the enrollment fee is not be charge That why I canceled the program. I am writing this email to request the {$290.00} enrollment fee is waive because I never use the services.the problems happened because of unclear explanation.
Product: Debt collection

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, MN, are pursuing a debt in the amount of {$2000.00}, that was due to identity theft, and my personal and family accounts being compromised/stolen. My own credit cards and family 's credit cards, along with my checking account, were compromised and were used to fraudulently send funds to and from our PayPal accounts and then withdraw them, particularly my PayPal account. My lawyer has contacted this firm.
Product: Debt collection

DEBT RECOVERY SOLUTIONS has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It appeared on my XXXX credit report on XX/XX/XXXX, with a opening date of XX/XX/XXXX. This is false information, as I have no knowledge of any debt from the original creditor of " Check Into Cash ''. Which appears to be some sort of payday loan provider, which I do not have any knowledge of obtaining any payday loan of any sort. This original account is over the statute of limitations for California, as well as being past the time in which it is allowable to be reported to my credit reports. The information showing on my credit report is as follows Account : Account # XXXX Alleged balance : {$6000.00} Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.
Product: Checking or savings account

I was the victim of false charges to my account by XXXX, with whom I have NO business dealings. I have twice filed fraud charges with Wells Fargo, my bank. They have refused to acknowledge it as fraud and have closed the case for the second time. I have been instructed to seek recompense from XXXX for the charges to my business checking account. 
XXXX charges in the Amount of {$1600.00} were leveled at my account on XX/XX/XXXX, using a debit card ( NOW XXXX ) ending in XXXX. Three went through and one was declined. I saw them on Saturday the XXXX of XXXX as pending charges. I immediately called and asked the charges not be honored and reported it as either fraud or identity theft. The charges came through on the following Monday. Now I am out the money and so far people just shrug and say they can not help me. 
The charges were as follows : PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX  WA XXXX CARD XXXX {$1600.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX WA XXXX CARD XXXX {$1600.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX WA XXXX CARD XXXX {$1600.00} XXXX IS where the money went and I HAVE NO BUSINESS RELATIONSHIP WITH AWS! HOW CAN XXXX SIT ON MY MONEY AND REFUSE TO SAY WHO GOT THE BENEFIT OF MY WAGES? ITs MORE THAN MY COUNSELING BUSINESS MAKES IN A MONTH! I HAVE NOTHING TO SHOW FOR IT. I will have to try to expedite my claim with state and federal authorities. The stress is hurting my health. Is there no one who handles these kind of fraudulent charges at your company? Clearly Wells Fargo is not willing to help. Both XXXX and XXXX say there is nothing that can be done. I need someone to explain why a business can take my money without my permission, then tell me nothing about who benefitted from my {$4800.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the credit Bureaus on XX/XX/XXXX and XX/XX/XXXX of XXXX. I have heard absolutely nothing from them at all. Im XXXX too because there is a bunch of nonsense that im trying to clear up thats so bogus on my credit report and I cant get it cleared up because they wont respond. Like what the heck am I suppose to do. This is against the law what they are doing and I want this matter investigated to the fulles extent.
Product: Checking or savings account

USAA never sent a formal communication stating that they intended to collect a debt, in accordance with the fair debt collection act. Instead, the closed a checking account that was overdrawn. The official communication sent regarding the account closure on XX/XX/XXXX states that the account was closed and would only be reopened to accept withdrawals and deposits as required. If required, I would be notified. In all other instances, any deposits would be rejected and returned to the sender after 30 days of the notice. 

I spoke with a banking representative with USAA on XX/XX/XXXX to confirm that the account was indeed closed and to ask what would happen to any ACH deposits made to said account. The representative confirmed that the account was closed and that any deposits made would be rejected and returned. 

On XX/XX/XXXX, my employer informed me that a trace against an {$590.00} ACH deposit showed that it was not returned. After speaking with XXXX and Checking Services at USAA, I deduced that the bank did in fact keep the ACH and used it to offsets the amount owed on the checking account. I have yet to receive any communication from USAA regarding them opening the account in order to keep this deposit. Additionally, USAA never informed me that they were attempting to collect a debt. Instead, I have communication stating that the account was closes, that deposits made would be rejected after 30 days, and that I would be notified in the event the bank was " required '' to re-open my account. 

I am demanding the return of these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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. 

In accordance with the Fair Credit Reporting Act 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 In accordance with the Fair Credit Reporting Act 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 In accordance with the Fair Credit Reporting Act 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 In accordance with the Fair Credit Reporting Act 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 In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX US. DEPT. OF EDUCATION 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
Product: Credit card or prepaid card

Case # : XXXX, Merchant : XXXX XXXX at XXXX XXXX XXXX XXXX TX. When I realized I'd been scammed by an online con artist, I notified Discover ; they issued me a temporary credit and started a dispute. Dispute lasted 6 months, with funds moving back and forth from me to the scammer. Discover said they used arbitration who favored the merchant scammer. He provided no new evidence from the last time Discover reversed the funds back to me, yet they gave him my money insisting they were bound to the con artist 's terms of service of no refunds. I provided tomes of evidence showing the scammer didn't do what I payed for and showing the horrible mistakes he made as he sent me a fake cobbled together document with his worthless opinion of a forged handwriting situation, he charged me a retainer of {$1900.00} when the fee should have been {$400.00} or {$990.00} according to his fee schedule at the time of the transaction. He didn't perform according to retainer but gave me a verbal and written opinion. He refused to give me an invoice or answer my questions once I realized the ripoff. He has virtual offices across the country, hides behind many phone numbers, emails, web pages, is just a master of illusions acting a role with fake props.

He has since changed his website and doesn't publish his fees. He lied about me to Discover in his responses to them. Yet, Discover gave him my money that I did not agree to ; I did not agree or sign on to be ripped off. They essentially gave the rip off artist free reign to rip me off of {$1900.00}. I even sent them Rip Off report where many people have reported the creep for years. They just kept saying they were " bound '' by his terms. It would depend on who I spoke with at Discover ; two people said Discover had a fund they could give me back my money ; even if they couldn't get the money from the " merchant. '' When I told them they said no, that wasn't true, it always depended on who i spoke with. They told me to complain to the attorney general and resolve it outside of Discover, they couldn't do anything for me. It's terrible when a credit card company empowers and sides with a crooked " merchant, '' an enables con games, lies, and thuggery to exploit their cardholders. When they did me like that, I closed my account with Discover. They had no regard for my rights as a consumer. There is something terribly wrong when a credit card does this sort of thing. When I asked them for an explanation as to why they would believe that thug and give him my money in light of all the evidence of the ripoff, they would just say each case is different. One lady did say thought that they believed me and that's why they spent the {$500.00} to take it to arbitration. Yet, in the end it didn't matter as Discover claimed bondage to the merchant and let him get away with ripping me off. Discover didn't care that they lost a customer. I want my {$1900.00} back!
Product: Checking or savings account

On XX/XX/2020, Goldman Sachs ( Marcus by Goldman Sachs ) emailed a promotional offer to me offering a {$100.00} credit for depositing {$10000.00} in new funds into my existing Marcus Account, and in particular to my Online Savings Account within my Marcus Account. 

The terms stated that the funds must remain, as well as existing funds at the time of the deposit, for at least 60 days. The specific language was " After enrollment, you must deposit {$10000.00} or more in new funds ( internal transfers wont count ) into a Marcus Online Savings Account within 10 days of enrollment and maintain at least {$10000.00} of those new funds in your account in addition to your account balance at the time of enrollment for 60 consecutive days from the date of reaching the required dollar amount. '' Note the  deposit account specifies the online savings account, but the maintain clause simply says " your account ''. 

I made a qualifying deposit on XXXX XXXX A few days later I made an internal transfer with my Marcus account between the Online Savings Account and another online deposit account. Marcus deemed this transfer to disqualify me from the promotional offer. No funds were removed from my Marcus account, and in fact additional funds were added days later.

I contacted Marcus and pointed out that their use of the word account was used by them both to re
fer to the sub-account which called the Online Savings Account and to my total deposit account with Marcus, and that the promotion did not specify which usage was meant. I offered the service representative and subsequently her supervisor the opportunity to restore the promotional offer to my account, so that their treatment would comport with a simple English reading of their promotional materials. After consultation with some internal group, each declined to do so and explained to me why I was at fault.

I believe the service reps that Goldman Sachs meant the smaller sub-account in their design and execution of the promotion. I also believe, however, that they should be accountable to living up to the simple English reading of their offer. I do not believe that I should lose out because their staff were sloppy in their use of ambiguous language in their offering. Goldman Sachs neither did so in the initial case, nor did they correct the error when I pointed it out to their customer service contacts.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXXXXXX XXXX  Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).