23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was charged, on my account, once from XXXX XXXX XXXX XXXX even though the transaction didnt process. I ran my card again after speaking to the employee at XXXX XXXX XXXX. I was charged XXXX dollars and some change for the second time. The second time the transaction was processed with XXXX. That was on the morning of XX/XX/XXXX. Before I returned my rental on XX/XX/XXXX I noticed the original XXXX dollars and some change was returned to my account. After returning my car on XX/XX/XXXX, I continued checking my bank account because XXXX of the XXXX dollars and same change balance was a hold for using my debit card to rent a car. I called Bank of America on XX/XX/XXXX two separate times and was told that the XXXX dollar hold would be credited to my account by the morning of XX/XX/XXXX. I called Bank of America because I noticed there wasnt a transaction recorded on my recent transactions, for the amount of XXXX dollars even though my balance didnt reflect the change. When I called on XX/XX/XXXX XXXX XXXX ended the conversation by letting me know that the transaction was never reported on my account and there is no refund to credit to my account. I have the receipt of the transaction and am owed the XXXX dollar credit to my account due to the hold. The attached file is a print that the original price was paid, but I havent received the XXXX dollar refund. Instead the transaction went missing from my account without a change in balance.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I just get my credit report today and I saw 3 fraud inquiries that shall be delete from my credit report. I never authorized those inaccurate inquiries. 


XXXX XXXX, INQUIRY DATE : XX/XX/2024 XXXX XXXX XXXX, INQUIRY DATE : XX/XX/2024 XXXX XXXX XXXX, INQUIRY DATE : XX/XX/2024
Product: Mortgage

XXXX XXXX, XX/XX/2015I would like to file a complaint against NationStar Mortgage. They refuse to consider modify loan, that I now believe was inappropriate to begin with. I have been trying to get this loan modified for several years. The only reason they will not even consider modifying the loan is because I am not delinquent. If I can not get any assistance, I will become delinquent. I do not want to ruin my credit or become delinquent on the debt. 
When I purchased my home as my primary residence, I was put into an interest only commercial loan by Aurora Mortgage ( now Nation Star ) for 80 % of the loan amount. The interest rate was XXXX. In addition, there was a XXXX mortgage with XXXX Mortgage at a rate of 7.5 %. In XXXX of this year my loan will change from Interest only to Principal and Interest. I will not be able to afford this loan. In fact, I know believe it was inappropriate to put me in a commercial loan for my primary residence, especially since I have excellent credit. I was sold on this loan not really knowing what and why? 
Over the past several years, I have attempted to get these loans modified. I was told several times that no one would talk to me because I was not delinquent. In addition, it seems I am not eligible for a XXXX because it 's a commercial loan. 
I have tried everything to avoid damaging my credit and losing the property. Since I could not get the loan modified or refinanced, a few years ago, I rented the property and moved with family. The rental income covers the interest only loans, but will not cover the principal and interest payment amounts. I continued to try to get the loan modified to no avail. It was my hope to modify the loans and return to my home. 
When the loan was approved, it was based upon my stellar credit and my household income including my income and the income of my husband. I was told I could refinance this loan. In trying to modify these loans, I have had nothing but trouble because I have never made a late payment. In addition, I am now going through a divorce and my household income is reduced, however, I maintain my stellar credit. I am unable to refinance the loans because the value of the property is less than the loan amount. This is my last effort to try and get some help to modify these loans. I am in a situation at this point that if this modification does n't happen I will be forced to walk away from the home completely and allow the property to go into foreclosure. I know I can pay the modified mortgage amount as agreed. 
I keep getting the run around by rude people that stops my process of saving this house. I would like to modify it so I can move back into my home. I need help, quickly and I am resorting to you as I do n't know what else to do. 
RespectfullyXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My cards were stolen and unauthorized charges occurred on multiple accounts. I suspected it to be a drug addict family member and I did not press charges
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of a debt ( bankruptcy ) listed on my credit report, as I believe it may be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the validation of any debt that is reported to the credit bureaus. 

Please provide me with the following information regarding the debt in question : 1. The amount of the debt.

2. The name of the original creditor.

3. Documentation that verifies my obligation to pay this debt, including the original account agreement.

4. Any additional documentation that supports your claims.

If you are unable to provide this verification, I request that this debt be removed from my credit report in accordance with the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). These acts require that all information reported to credit reporting agencies be accurate and verifiable.

Please send your response to my address listed above within XXXX XXXX of receiving this letter. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo and when I paid it off, they auto charged my account after the balance was paid in full. They also did not release the title to me in a timely fashion holding up the sale of my car.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by refusing to correct inaccurate information on my credit report. 

Equifax continues updating a charged-off account from XXXX XXXX every month, making it appear recent, which is inaccurate and unfairly damages my credit score. 

XXXX XXXX reported that the loan was " purchased by another lender '' but failed to provide the new lenders name or contact information. This is incomplete reporting. 

Equifax has told me they are required to report what they receive, even if the information is inaccurate, which is a violation of the FCRA. 

The balance on this charged-off account increased from {$7600.00} to over {$10000.00} after charge-off, which is an illegal practice under federal consumer protection laws. 

Despite disputing this with Equifax, they refuse to stop updating the charge-off or correct
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and fair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I HAVE ALIMONY CHECKS FROM XXXX XXXX  XXXX THROUGH ADP WRITTEN ON CHASE BANK. I WENT TO XXXX XXXX- XXXX XXXX CA BRANCH OF CHASE ON XXXX XXXX MONDAY XXXX-18 I WAS AT THE COUNTER WITH A TELLER SAID IT IS {$8.00} TO CASH A CHECK IS THAT OK- WELL NO IT IS NOT OK BUT WHAT CHOICE SO I HAVE THAT IS WHAT YOU SAY THE PROCEEDURE IS -- I CASHED 3 ALIMONY CHECKS ALL THE SAME TYPE OF INSTRUMENT OF ADP THROUGH XXXX {$500.00} WRITTEN ON THE CHASE BANK PAPER - I WAS NEVER OFFERED OR GIVEN A RECIEPT FOR THIS TRANSACTION - I CALLED THE BANK XXXX -18 XXXX XXXX  ISH A BOUT THIS ISSUE I WAS TOLD THAT IT WAS NORMAL NO RECEIPT IS GIVEN FOR THAT TYPE OF CHECK CASHING- I CALLED CHASE BANK CUSTOMER SERVICE WHO SAID NO THIS IS NOT NORMAL AND THAT A RECIEPT SOULD BE GIVEN WITH EVERY TRANSACTION- AND THEY WOULD CHECK ON IT BUT IN NO WAY WOULD THEY TAKE MY NAME & ADDRESS AND ADDRESS THE ISSUE FOR ME OF MY TRANSACTION- I ASKED FOR THE FEDERAL REGULATOR OF THE CHASE BANK AND THE EMPLOYEE -XXXX  XXXX REFUSED. ON LINE I WAS REFERRED FURTHER BY TELEPHONE HERE TO FILL OUT A FORMAL REPORT OF THE BANK FRAUD I WAS VICIM OF. 
XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 of my credit reports. It shows that it has not been updated since XX/XX/XXXX. Current balance should be {$450.00} monthly payments are being made monthly on the XXXX of each month. I am totally reviewing the reported pulled XX/XX/XXXX and no update for XX/XX/XXXX. Then XXXX it should be XXXX. Need assistance because I was told there is nothing they can do and they hung up on me. 

Account # XXXX opened XX/XX/XXXX.
Product: Vehicle loan or lease

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Maryland XXXX RE : Affidavit of Truth This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. On XX/XX/2021 I was refused a refund and cancellation of contract with XXXX XXXX or Capitol One XXXX after the vehicle was towed to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Maryland XXXX 2 days after purchase. They replace the battery and gave me a car fax and stated I can not return the car.Furthermore, XXXX XXXX XXXX XXXX failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission. 

I, XXXX XXXX, participated in a consumer credit transaction and not a loan : Pursuant to 15 U.S. Code 1602 ( i ) ; Take further notice that Pursuant to 15 U.S. Code 1605, the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, which was never disclosed to me by your organization in direct violation of this law. 

You XXXX XXXX XXXX also accepted a cash down payment of {$4000.00} violating 15 U.S. Code 1605 which clearly states : The finance charge does not include charges of a type payable in a comparable cash transaction.

Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) : one can be fined up to {$5000.00} or face imprisonment for up to one year, or both, for giving false or inaccurate information or fails to provide information which he is required to disclose. In this case you, XXXX XXXX XXXX, willfully violated this law when you failed to disclose and provide all information clearly to me as the consumer. 

Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this recession, I am not liable for any finance charge, and any security interest becomes void effective immediately.

Take further notice that 20 ( twenty ) days after your receipt of this notice, you must return any money or property given as earnest money, down payment, or otherwise. Also, you shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction and placed on the property which in this case is a vehicle ( XXXX XXXX, XXXX ) The contract reads 74 months now the lease term reads 75 months. I stated I am divorce and ask if car payment can be lowered. ( was denied )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number 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 would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit card or prepaid card

I initiated a dispute with Wells Fargo last year for a purchase I made overseas and the bank refused to honor my dispute. Instead I was sent a letter on XX/XX/2020 stating the dispute was declined for " not as described food and services ''. No further explanation was given and their explanation is misleading and deceptive. I provided all the paperwork as asked and many times the bank made an error where a rep closed my dispute by mistake and I had to reopen dispute again. I was never notified of when my dispute was closed but i only came to find out when calling their bank. I Also at times the bank seemed to have lost my paperwork and made me resend again. Other times my dispute was not reopened when i requested to have it reopened. i want to know why they closed my dispute and to provide a detailed explanation. I have submitted all documentation asked over the months to support my dispute but still my dispute was closed without a valid reason. If this kind of deceptive customer service continues from Wells Fargo I have no other choice but to close my accounts. In the past they have been guilty of opening accounts without customers permission and they paid a big penalty and now they are doing it again by not resolving disputes and not following the proper guidelines. They openning accounts but they don't want to do the work and resolve anything for the client such as disputes. They just want numbers. I want a bank and credit card that will work for me and not a bank that I will be working for them!! So far Wells Fargo is lagging behind as a reputable bank and I wanted to give it a try but they have let me down. I have included some paperwork as support to my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of Inquiries from different lenders that I didnt approve off
Product: Student loan

My monthly payments to XXXX XXXX XXXX are {$230.00}. I can not find full time work in my field so I work XXXX only making about {$15000.00} a year. My rent is {$600.00} a month. My car payments are {$210.00} a month. My car insurance ( required by MA ) is {$240.00} a month. Utilities amount to about {$200.00} a month. As I have sent all of this information to my servicer, but they have told me I can not lower my payments or go on an income based payment plan. They will not cancel direct debit, meaning it is difficult to make rent. I can not afford to pursue a higher degree because my debt is too high to get another loan, meaning I can not get a better higher paying job. I have sent XXXX my documents and information as it relates to trying to lower my payments but I never got a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account that was obtain in a name that similar then mine. Please re-investigate my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX BANK XXXX. This account is not accurate. Please delete it. XXXX BANK XXXX. This account is not accurate. Please delete it. XXXX XXXXXXXX XXXX XXXX. This account is not accurate. Please delete it. XXXX XXXX XXXX. 
XXXX. This account is not accurate. Please delete it. XXXX XXXX CO XXXX. This account is not accurate. Please delete it. XXXX XXXX BANK XXXX. This account is not accurate. Please delete it According to Section XXXX of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am experiencing issues with my mortgage application due to incorrect information reported on my credit report. All of my loans, managed by XXXX XXXX XXXX XXXX were submitted for deferment under identical conditions and have been deferred. However, all loans are being inaccurately flagged on my credit report as " disputed, '' which is not correct and is causing delays in my mortgage pre-approval process. 

Below is a list of all my loans managed by A & XXXX Mortgage, sorted by loan number, with confirmation that all loans are deferred : XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred My lender, XXXX XXXX, has informed me that the " disputed '' status issue applies to all loans, despite their deferred status. This incorrect flag is preventing the mortgage pre-approval process from moving forward, as his company requires this issue to be resolved upfront to avoid delays during final approval and closing. 

I have contacted XXXX XXXX XXXX XXXX multiple times, requesting their assistance in ensuring that the accurate deferment status of all loans is reported to the credit bureaus and the " disputed '' flag is removed. Despite these efforts, the issue remains unresolved, and my credit report still inaccurately reflects this status, causing unnecessary complications. 

I am requesting the CFPB 's assistance to ensure that the correct deferment status of all loans is accurately reported and that the erroneous " disputed '' flag is removed from my credit report. This correction is critical for me to proceed with my mortgage application without further delays. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX put a collection on my account dating back to XXXX. Originally it said XXXX XXXX and it now says XXXX. I was not aware of this until XXXX when I checked my credit. I sent a request to the credit bureau TransUnion to verify the validity. On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/XXXX TransUnion sent a letter stating that they had completed the investigation and the items were not deleted, as requested. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. I contacted XXXX XXXX, XX/XX/XXXX and asked for validation of debt. XXXX XXXX, sent in response a collection notice. I followed up on XX/XX/XXXX with a Certified letter with proof of receipt asking for debt validation. In the letter I gave them 15 days to send this verification. As of this date I have received nothing from them. This is unacceptable!
Product: Credit card or prepaid card

Capital One has many problems, they rebill or make " purchase '' adjustment with notification and surreptiously make posting without notifying. 

In addition you can not contact by email as they do not have this or chat like other credit cards XXXX XXXX and others. 

XX/XX/2021 CApital One made a " purchase adjustment charge of {$28.00}. 
I want to know what is this for and in future they tell me in notification and adjustment write me letter explaining any purchase adjustments
Product: Checking or savings account

I wrote a check to a person for {$53000.00} for the settlement of a property on XX/XX/24. The check was accepted and deposited. Then Axos bank decided the check did not have proper endorsement and bounced the check. After a lengthy phone call on XX/XX/24 I was told they would allow the check to go through and would reverse the funds and deposit the check. Two business days went by and on XX/XX/24 Axos did not reverse the check and did not do anything. While calling on XX/XX/24, the department had no idea what was going on and a poor lack of documentation as to what happened and what they were doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, my friend who was buying a car ask me to accompany her XXXX XXXX XXXX in XXXX, Nj. Once we get there and socialize and talking car dealers sales man says since I live in NJ my friend would get a cheaper car insurance rate if she uses my address, and I agree to use my address. A couple of weeks later after she buys her car, next thing we know the know the car titles and everything in a my name. I do not know how to drive and DO NOT have a driving license. I DID NOT agree to putting my name on her car loan. I was NEVER aware I was a co-signer until after we left the car dealership. When we called the dealership they stated there was nothing they could. I haven got student loan that I am working to sort through and we unemployed at the thing and receiving unemployment and would NEVER exhaust my credit history like that. I really DO NOT know what did this happen, and did not authorize this loan.
Product: Debt collection

A collections debt that is from 2018 has appeared and is negatively impacting my credit health. 
Dates are from XX/XX/2018 with the amount of {$730.00} from Florida XXXX and XXXX. 
XXXX XXXX is Lockhart Morris & Montgo I have no written letter provided by this company that states this debt is indeed under my name. If there is no records of this that pertains to me i would like to dispute this off my credit history for it to stop impacting my credit health.