23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2019 : Eight plus months of negotiation for loan modification to lower payment to the current interest rate on inherited family home. We are currently paying almost double at 8 % interest rate through USBANK. It has been nothing short of a nightmate. Was not allowed to make payments at Bank and was told that it was not necessary during process. Numerous attempts were made to have the heirs names put on mortgage. It never happened. Often times creating much difficulty, to even be allowed to speak with someone regarding the account. Constantly being told many different things through numerous agents, creating much confusion. Having to spend countless times resubmubmitting the same information over and over, only to be told that they did not " receive '' it, on their end, contraire to " proof '' on our end. Discrimination on who was living on the property. *NO COMPLIANCE TO FEDERAL MANDATES FOR HEIRS OF INHERITED PROPERTY WERE FOLLOWED. NONE. Not one, but two home appraisels were performed, of which we may have been charged with possible other fees added. Much time and money were wasted, to no avail. Much " jumping through unnecessary hoops '' only to NEVER RECEIVING ANY HELP only having to now make almost double payments to pay back the loan, including possible additional charges. One of the most stressful experiences I have encountered. Nothing short of a nightmare. It is sad that the millions that banks make off of others, with the majority of times making 100 % interest, often more, on loans, that they refuse to follow federal mandates to help heirs keep their family homes. Customers are often given penalties, through them, but they are never penalized. Iam thankful that my tax dollars pay for government agencies that hold them accountable. Your intervention is greatly appreciated, by someone who just wants to keep their family home after the loss of a loved one. I now understand WHY the federal mandates were put into effect for heirs of inherited property. This is not how they should be treated. US BANK needs to follow mandates, just like the rest of us. I guess compassion does not make them richer. Sad.
Product: Debt collection

he company listed as XXXX XXXX XXXX XXXX XXXX XXXX ), showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted trans Union several times regarding XXXX XXXX saying I owe them money on collection. 

They may have had a bill, but the date sure as XXXX isn't XXXX. It's probably XXXX maybe? 

Anyway if the date is corrected they will have to drop it off my credit. 

I've submitted several complaints and requests to get it corrected to trans Union as recently as XXXX   XXXX and of course with the government shutdown I had no one to call to get them to fix their mess. 

So let 's get this done
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding fraudulent items on my credit report. Despite many attempts, there are still fraudulent items incorrectly listed on my credit report. These items do not belong to me and should be removed promptly. The continued presence of these fraudulent items on my credit report is causing significant harm to my credit standing and financial well-being. I urge you to rectify these issues immediately. Please acknowledge receipt of this complaint and provide a resolution timeline. Please help me remove the following items : XXXX XXXX {$5400.00} ; XXXX XXXX {$10000.00} ; XXXX XXXX {$3800.00} ; XXXX  XX/XX/year> ; XXXX XX/XX/year>.
Product: Student loan

In early   XXXX   I signed an agreement  with AES for a Rehabilitation program in which the terms clearly state that upon completion of 9 months of repayments my loans will be eligible for rehabilitation. Right on the agreement it states that one of the benefits will be that AES negative reporting will be deleted from my credit report. Here we are 4 years later and they have n't held up their end of the agreement and continue to illegally breach the agreement reporting the negative marks for these loans which continues to ruin my financial well being. Attached are the original agreement, the confirmation letter that I successfully completed the rehabilitation, and a recent copy of my credit report showing the section of the illegal reporting of 6 student loans in the rehab program.
Product: Student loan

My student loan was through XXXX for years last year the transferred it to Mohela, they said because I met the following qualifications : The Biden-Harris Administration has already cancelled {$45.00} XXXX in student debt so far for nearly 1 million borrowers who have been in repayment for at least 20 years, but never got the relief they were entitled to because of administrative problems with income-driven repayment plans. The Administrations new proposals, if finalized as proposed, would cancel student debt for borrowers who first entered repayment 20 or more years ago. Borrowers with only undergraduate debt would qualify for forgiveness if they first entered repayment 20 years ago ( on or before XX/XX/XXXX ), and borrowers with any graduate school debt would qualify if they first entered repayment 25 or more years ago ( on or before XX/XX/XXXX ). Both Direct Loans and Direct Consolidation Loans that repay only undergraduate study or graduate study for 20 or 25 years respectively are eligible for relief in this proposal. Borrowers would not need to be on an income-driven repayment plan to qualify.

I've called Mohela and was told yes I qualify, however they do not tell me why it hasn't been cancelled.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Act Name : XXXX, Act Name : XXXX XXXX XXXX Act Name : XXXX, Act Name : XXXX XXXX, Act Name : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate.. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights, Inquiries : XXXX XXXXXXXX, XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Product: Credit card or prepaid card

on XX/XX/2022 I ordered XXXX XXXXXXXX XXXX XXXX through my Chase reward program because Chase was offering 25 % more points if you redeem an XXXX product. On XX/XX/2022 my ordered was canceled and the promotion for 25 % more points was over. I requested several times for an explanation as to why it was canceled, no one can give me a proper answer. I reached out over 10 times to Chase to which they basically said, we can not do anything for you. They asked me to reorder and request after the product has been received and " maybe '' they can reimburse me.
Product: Credit card

On XX/XX/year>, I received an email from Wells Fargo notifying me that my credit card had been enrolled in XXXX ( I did not opt into this ). The email from Wells Fargo provides a link at XXXX XXXX XXXX to opt out on XXXX XXXX XXXXXXXX. In order to opt out, XXXX requires my email, and then requires that I enter my phone number. In the header, it states " By entering your mobile number, you consent to receive automated texts from XXXX, to any current or future mobile number associated with your financial accounts, each time you use the service. Message and data rates may apply. '' I do NOT consent to receive automated texts from XXXX, and there is no workaround, no way to remove my credit card from XXXX without " consenting '' to automated texts. 

Wells Fargo 's online access agreement at https : //www.wellsfargo.com/online-banking/online-access-agreement states " 10 ( e ). Right to Remove Your Wells Fargo Cards From XXXX ; Right to Opt-Out of XXXX XXXX XXXXXXXX of Access You have the right to remove your Wells Fargo XXXX XXXX XXXX. To the extent that you have cards from other financial institutions in XXXX, you understand that Wells Fargo can only remove your Wells Fargo cards from XXXX. You agree to notify us promptly if you want to remove your Wells Fargo cards from XXXX. To remove your Wells Fargo cards from XXXX, you XXXX call Wells Fargo XXXX Customer Service at XXXX for assistance, or if your cards appear in the Wells Fargo XXXX app for XXXX  you can remove them through our app. '' I called the number indicated and spoke to five ( 5 ) different Wells Fargo employees who all refused or insisted they were unable to opt me out or delete my card from XXXX.
Product: Checking or savings account

I received an email from my bank ( Bank of the west ) asking if a specific transaction was made by me or is fraud ok XX/XX/XXXX, I press " No, I do not recognize these transacions '' and I called the bank to lock the card and open a dispute. 
Since that day I didnt recive any notification or credit for those unauthorized transactions. By law the bank has 10 days to solve this but it didnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly. I have attached supporting documents for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report on an annual basis for accuracy. I have been divorced and provided information for my legal name change. My report ( after numer efforts appears to have been updated ) BUT a mailing is still being addressed in the WRONG NAME contaiing my pesonal information to the wrong addressee! I received two mailings from two different Equifax XXXX XXXX XXXX. A mailing dated XX/XX/2022 from XXXX XXXX XXXX, XXXX XXXX XXXXXXXX is being sent to the wrong addressee. I am not concerned with the address as I am in the process of moving BUT the last name continues to be showing up and is no longer my legal last name. My legal last name is XXXX, NOT XXXX. I am attaching a .pdf of the mailing addressed to XXXX from XXXX XXXX XXXX. Their seems to be a disconnect in Equifax system being synced. I am providing a 2nd mailing from Equifax from XXXX XXXX XXXX which was sent to the correct last name to the address I am moving from. WHAT IS GOING ON!! My credit information, file, dispute responses or anything should NOT be addressed to XXXX XXXX as that is NOT my legal last name but the system is still INCORRECT. I have attempted to contact, notify and have this corrected directly with Equifax numerous occasions over the past XXXX XXXX years!!
Product: Credit reporting, credit repair services, or other personal consumer reports

covid 19 and identity theft has ruin my life. i have accounts that i did not open. please block all fradulent accounts from my credit report. 


XXXX XXXX  XX/XX/18 {$0.00} XXXX ACCOUNT XXXX  XXXX XXXX ACCOUNT XX/XX/18 {$25.00} XXXX   XXXX  XXXX XX/XX/18 {$0.00} SEVERAL MISTAKES NOTICE LIKE SPELLING OF MY NAME. SAME ACCOUNTS WITH DIFFERENT NAMES AND FRADULENT ADDRESSES. 
INQUIRES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ALL SINCERLY, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my text money was sent to citi bank account next thing I know they said my account would be going into closure and it would be from 30 to 60 days so after the 30 days I called and nothin happen then after the 60 days I called and they said on XX/XX/XXXX my account was closed and it will take XXXX to 60 days for my check to get here so I waited again may came and they went back to telling me my account is still in the process of being closed and they wont tell me anything else or give me any other information its literally XX/XX/XXXX and I was told at the beginning of the year 30 to 60 days
Product: Credit reporting or other personal consumer reports

100 % total and permanent XXXX  with so many hits on my credit. 
None of the crddit except for the car loan was actually me and resulted in debt added. 

My health have barely allowed me to love let alone have so many inquiries. 

The only credit that was tried was to obtain housing as the veteran was harassed in her home while trying to focus on her health. 

I was approved for home loans but never able to get a loans. 
The car is being used as a home as this is the only loan the veteran was able to obtain
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPE. XXXX is sending wrong uncorrected information on my credit file to 3rd parties, my lenders. They are re-aging the " REAFFIRMATION '' from XXXX  years ago XXXX XXXX. 

They have failed under multiple complaints to correct my file. I have contacted XXXX XXXX XXXX XXXX about the VISA and the bank states to contact XXXX that they are not reporting the account in Collection or any other Derogatory information. 

I have filed several disputes and complaints to NO AVAIL XXXX continues to report erroneous uncorrected information to my lenders directly negatively affecting my Score, Accounts, Utilization and overall Credit Worthiness. Their investigations have not resulted in the correct action. Though, documentation has been sent, they have taken their time and totally failed to remove the NEGATIVE information from my credit file. They have shared the incorrect information which most recently have resulted in a closure of my XXXX XXXX XXXX ending in XXXX, and reduction of my credit with Macy 's that I have had for years. 

This company is unethical and represents " bad business ''. Their business license should be rescinded.
Product: Checking or savings account

My XXXX  died a few weeks ago and I received a check from Capital One as the XXXX on her account. I received a check made out to myself from Capital One and I deposited this check directly into my Capital One 360 checking account because when I checked to see what the deposit policy was it stated that based on the type of check and type of checking account I have that the funds would be available the next day. However after taking a photo of the check and submitting it the app showed that it would not be available until XX/XX/23. This makes no sense whatsoever because I could have taken the check to a local Capital One and cashed it and then deposited into my Capital One account or taken it to one of my other financial institutions and deposited the cash. I received an email from Capital One stating that they have reason to believe that the funds will not clear and its their own check for funds that they owed to me. I spoke with a supervisor who advised that they couldnt release the funds and I also couldnt close my account with the deposit pending. This is a horrible way to treat people who are grieving and a horrible first impression to make with a new customer. I only opened this account because of how wonderful the local branch was with helping deal with my deceased mothers account.
Product: Debt collection

I sent the payment, but the collector continued to call and harass me. He was extremely rude and tried to pressure me into paying exhorbitant collection fees.
Product: Credit reporting or other personal consumer reports

I am writing this to dispute a account listed on my credit report that I believe is a result of identity theft.
Product: Debt collection

Discover bank has been harassing me via phone calls and mail regarding a debt I did not owe them. I do not have a signed consent with this company to use my name and social security and they have reported the debt to credit agencies. They have hired attorneys XXXX, XXXX XXXX XXXX XXXX, XXXX to sue me in a court of law for this debt in which I do not owe them. I requested they send proof of validity of debt and they were unable to provide me with a copy of any signed agreement to bank or use this company. This company is impersonating XXXX XXXX XXXX with Discover Card. I did not consent to this Discover Bank company to use my name and social security number and attempting to extradite me for a debt I do not owe them. Discover Bank has broken my consumer rights under the fair debt collection act. They have attempted to mislead me and have repeatedly attempted to collect a debt I do not owe.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has been submitting falsified information on due dates for the accounts XXXX XXXX XXXX which was Closed XX/XX/2024 should have reported XX/XX/XXXX and XXXX XXXX which Closed XX/XX/2024 should have been reported XX/XX/XXXX as well these entries are missing on my credit report. The account XXXX has been paid and XXXX balance. This Needs to be updated IMMEDIATELY. That account was reporting late when it was paid I will provide supporting documentation. XXXXXXXX XXXX is due the XXXX of every month however it is reporting on the XXXX as late.This is a violation of my rights as a consumer. The account has been paid on time I will provide proof as well. You must be in compliance with the correct information.
Product: Checking or savings account

My husband and I, and father, have attempted to track down and recover funds associated with a certificate of deposit ( CD ) that was purchased for me by my father from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio on XX/XX/XXXX. The amount of the CD at that time was {$3000.00}. It had an interest rate of 7 %, payable annually, and it was for a term of five years ( with a XX/XX/XXXX maturity date ). Importantly, it included the following : AUTOMATICALLY RENEWABLE FOR SAME TERM. 

We understand that the XXXX XXXXXXXX XXXX XXXX  XXXX XXXX of XXXX Ohio, became XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX. We also understand that, in XXXX XXXX XXXX XXXX merged with XXXX XXXX XXXX and was later acquired by ( merged with ) JP Morgan Chase in XXXX. After coming across the CD this summer in a safety deposit box, I telephoned JP Morgan Chase to determine what I needed to do to redeem the CD ( phoning twice in XXXX and AXX/XX/XXXX ). I even presented the CD at a JP Morgan Chase branch office in XXXX XXXX Maryland in mid XX/XX/XXXX. In addition, my father, who purchased the CD on my behalf, visited a branch office of JP Morgan Chase in XXXX, Ohio on XX/XX/XXXX to see if he could help. Shortly after my fathers XXXX visit, which resulted in no resolution, I filed a complaint with the U.S. Governments Office of the Comptroller of the Currency ( OCC, case number : XXXX ) onXX/XX/XXXX. In addition, on XX/XX/XXXX, I also filed a complaint with the Federal Deposit Insurance Corporation ( FDIC ). 

JP Morgan Chase has maintained that they are unable to determine what happened to my money and suggested, most recently in a XX/XX/XXXX letter referencing my OCC complaint, that we check with the State. Having done that on a number of occasions and having received emailed responses on XX/XX/XXXX and XX/XX/XXXX from the Ohio Department of Commerce 's Office of Unclaimed Funds, the State also has been unable locate my funds. We are frustrated and are seeking to determine what I should do next to recover my funds. JP Morgan Chase in aXX/XX/XXXX email to a researcher at the Ohio Office of Unclaimed Funds stated that their " Retention policies span 15 years and provided the given dates, the record is likely purged by now. '' The Ohio researcher suggested that we " find a contact at Chase that handles CDs that can research from the back end. '' We can not understand how a bank, which has used my money to make money ( i.e., via loans, acquisitions, etc. ), should not be obliged to return the funds to me ( with interest ) or to at least definitively inform me about where the funds went. Particularly given that the CD was to be renewed automatically until redeemed. I would like to know what I can do to compel JP Morgan Chase to adequately address this matter. If not, I would like to know what else I might do recover my money, which with interest, should now amount to more than {$23000.00}.
Product: Debt collection

XX/XX/2017 XXXX. I have called to resolve this issue. This account was open fraudulent
Product: Debt collection

I received a court subpoena for a Discover account on XX/XX/XXXX. 
I had no knowledge of such an account being opened under my name. 
On the same date I checked my credit report and noticed 30 other accounts that were opened fradulently due to Identity theft. 
I submitted a dispute through XXXX for the Discover account as well as the XXXX accounts that were opened. XXXX agreed with the identity theft claim and subsequently removed the accounts from my credit report. However Discover Card rejects the dispute, and states the information was reported correctly. 
I provided a Police report as well prooof of my mailing address which is different from that which was used to open the account
Product: Vehicle loan or lease

Audi financial is a scam! The documents that they are sending I have never seen before. Please provide documents that I have in-fact seen and signed! My signature are not on those documents which explained someone verbally signed my name during XXXX. Next, i will be filing a discrimination suit due to I have someone else who contacted Audi of a different background and their fees were settled. My account was closed and reported paid in full and Audi reopened and reported my account as late after I filed a complaint.