23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are senior citizens ( ages XXXX & XXXX ) who are experiencing a hardship and trying to remain in our " '' Forever Home '' ( constructed in XXXX, next door to our son/caregiver ) and his family ) for as long as our health will allow. We have reached out to our Mortgage Company, JP Morgan Chase for assistance but have been denied approval because we are NOT presently facing bankruptcy or foreclosure. According to their review of our monthly expenses and income, our house remains affordable according. 

We feel they are discriminating because of our age and want to force us to sell our home. For 13 years we have been loyal customers to Chase... never missing a payment and now borrowing from family each month in order to meet the monthly mortgage payments. When we built our house, my wife and I were enjoying 6-figure salaries and were preparing for this time in our life. Since that time, the company I managed since XXXX was sold, my wife 's company closed during the real estate collapse and now our health is failing. We have our savings, had to give up a part time job because I could no longer perform the duties, and with next month 's payment we will begin to fall behind on our mortgage payments. 
Our house has been valued by XXXX XXXX at {$490000.00} and our remaining balance is {$270000.00}. Our credit score is nearly 800 with all 3 major reporting agencies. Normally we pay off our credit card balances each month but we've had some unexpected expenses that have increased our balance to nearly {$1000.00}. We've been trying to refinance but either our income-to-debt ratio is too low or we can't find an interest rate that will reduce our payment. 

Our credit rating has always been of great concern and we've made application for mortgage assistance before the situation deteriorates. We are simply trying to be proactive in what is to come a desperate situation. 

We know the wisest thing to do would be to sell our house and take the equity but we honestly feel our health would not survive a move to another location. Plus, our caregivers live next door and keeping the house would be less expensive than entering a facility. We do not know how much time we have to enjoy our home but are simply seeking a lower payment for the next couple of years until we can obtain a Reverse Mortgage.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against Experian for failing to properly investigate my dispute regarding an inaccurate bankruptcy appearing on my credit report. Despite my multiple attempts to correct this, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ), and I am requesting CFPB intervention. 

Details of My Dispute I disputed a bankruptcy entry with Experian, and they responded by claiming that the XXXX Bankruptcy Court verified the information. However, after contacting the XXXX Bankruptcy Court directly, I received a written statement confirming that : They do not report bankruptcies to credit bureaus. 
They have not verified this bankruptcy entry. 
I provided Experian with a copy of this letter, proving that the court did not verify the bankruptcy. Despite this, Experian refuses to remove the inaccurate entry from my credit report, violating my rights under the FCRA. 

FCRA Violations by Experian Experians failure to conduct a proper investigation violates the following provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Reasonable Investigation Credit bureaus must conduct a reasonable investigation when a consumer disputes an item. 
If the information can not be verified, it must be deleted from the credit report. 
Since the bankruptcy court does not verify or report bankruptcies, Experians claim of verification is false and misleading. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Information Furnishers The furnisher of information must ensure accuracy before reporting data. 
Since the court does not furnish bankruptcy data, Experian can not lawfully claim it was verified. 
FCRA 616 & 617 Civil Liability for Noncompliance Experians failure to correct this error could be considered willful noncompliance, making them liable for damages, including statutory damages, actual damages, and legal fees. 
Request for CFPB Action Given these violations, I request the CFPB take enforcement action against Experian and ensure they comply with the law. Specifically, I ask that : Experian immediately remove the inaccurate bankruptcy from my credit report. 
Experian provide me with documentation explaining their reinvestigation process. 
Experian correct any negative impact this false bankruptcy entry has had on my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Trans Union on XX/XX/19 certified mail & return regarding an unverified Bankruptcy XXXX docket # XXXX ) and the method of verification .I received the return receipt showing that Trans Union received it on XX/XX/19. 

After 42 days I did not receive a response and mailed a non response letter regarding my original dispute on XX/XX/19 certified mail and return receipt. I then got the return receipt back stating that they received the letter on XX/XX/19. 

I called Trans Union to ask if the received my non response letter and they stated that they did not receive it.
Product: Credit card or prepaid card

On XX/XX/2021 entered into contract with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX. They offered me a no interest loan with Green Sky, XXXX XXXX XXXX, XXXX, Ga XXXX. The offer was for 0 interest for 12 months. 
My contract with XXXX XXXX XXXX XXXX states that final payment would be due at substantial completion of projects. XXXX XXXX & XXXX charged my Green Sky loan on XX/XX/2021. I immediately called Green Sky and told them that charges should not be made because I did not authorize payment and I had not received merchandise.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX, I contacted XXXXXXXX XXXX company in regards to the constant late payments reported to my credit while the loan was in forbearance. The length of the forbearance was during COVID-19. When I contacted the company, the representative stated there was a past due amount that would be rolled over and I asked why I wasn't notified of the late payment. I was never provided an answer.
Product: Debt collection

I was notified that there was a collection on my credit report from XXXX XXXX. The collection company is Convergent Outsourcing in XXXX XXXX. I have never used XXXX XXXX. The collection company gave me the account number, the address and email that was used. All of those were not mine. They did use my old phone number and somehow had my last 4 digits of my social security. I do not know how they got those but I did get a new phone and phone number around the same time back in XXXX. The collections lady said maybe they got my old phone number and were able to obtain the info. I only know that it was not me. I never lived at the address given. I never had an XXXX account. I did not have the other phone number used to set up the account. The address given was XXXX XXXX XXXX XXXX IL XXXX. The XXXX account used was XXXX. The email they used is XXXX. The other number attached to the account was XXXX. I have lost a loan because of this issue and can not get this removed from my account without an FTC claim. This charge is NOT mine. I pay my debts. I never opened this account.
Product: Student loan

I'n XX/XX/2020, private student loans went out of forbearance. I am currently enrolled at XXXX XXXX University but I was on a break due to Covid and went back effective XX/XX/2020. I have been working with Wells Fargo to get my enrollment updated to them so my student loans could go back in forbearance, but in the meantime would make payments to ensure my credit would not be negatively affected. I was receiving many calls regarding my loan after making a payment in XX/XX/2020, but on XX/XX/2020 after receiving another call the Wells Fargo Rep removed my number since I told them all of their calls seemed to me like harassment. The Rep never asked if they could remove it but did it on their own. After making a payment in XXXX with my new address, Wells Fargo never updated my account to reflect the new address. I assumed since I am in school my loans went back in forbearance as I never heard back from Wells Fargo regarding my accounts for the entire month of XXXX. Instead, on XX/XX/2020 I received an email from Wells Fargo asking for me to contact them regarding my account. When I called on XX/XX/2020, the Rep informed me they tried sending me a letter to a bad address and removed my phone number. I was also made aware my account was over 30 days past due and it was reported to the credit bureaus showing over 30 days past due. I've been told my many Reps but after specialist, XXXX ( Case # XXXX ), reviewed my case she yes they made the error to remove good contact information and didn't update my address to match my updated billing information since it's not their job to do such. This situation is an Unfair, Deceptive, and Abusive acts and Practices due to the nature of events. If known my account was subject to negative credit report, I would have brought the account under 30 days past due, but the fact my phone was removed out of my account without my permission and only an email sent to me after reporting the accounts past due Wells Fargo is deceptively playing unfair to peoples lives and credit. I believe this error is Wells Fargo 's fault and I should be allowed to bring my account current and have Wells Fargo update and remove the negative credit remark off my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I looked at my Transunion credit report on XX/XX/2024 and noticed XXXX things are incomplete and not accurate . And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




These companies has also violated XXXX XXXX. XXXX violates my rights. I DID NOT receive the required opt-out notice at the time the account was created that the account would be reported, I have the right to opt-out from any reporting of non-public information.
Product: Debt collection

Medical bills for my daughter from XXXX hospital claims have been submitted to my insurance. My insurance company has paid all claims. Suburban Credit Corporation continues to call and berate me regarding this bill. The representative called and yelled at me about this bill today. I spoke with my insurance company and this has been paid.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> my wallet and debit card were stolen while moving. I reported it on XX/XX/year> when I was certain it was stolen and not misplaced in the moving materials. I contacted SoFi support saying my card was stolen/lost and filed unauthorized transactions for ones that occurred over the weekend while I did not have physical possession of the card. I needed to file an additional dispute on XX/XX/year> as other transactions were pending and could not be disputed until they were posted. I received on XX/XX/year> that all disputes were denied, as the debit card was not reported lost/stolen within 2 days per the debit card agreement. The transactions occurred between XXXX, which is within the timeframe, as the EFTA states you need to let your financial institution know within two business days of suspicious activity. It also states you will only be liable for {$50.00} and if it is after that period, you could be liable up to {$500.00}. There was {$3600.00} in this dispute and {$2000.00} for the other. I am also receiving calls from these merchants since it was my information used, and they are claiming I owe them money. So my dispute was denied, and the merchants apparently do not have the money, so where did it go? It is difficult to contact the correct department and even when you get through they are not knowledgable on the situation. When asking for why it was denied it took awhile to have someone correctly send documents regarding the dispute. I asked multiple times if there were any documents or items I could send to help and no response was given.
Product: Mortgage

Under the Home Affordable Modification Program, I would be under review every six months to see what has changed for me financially etc. with Wells Fargo Bank. I began working with them earlier this year for my six month review but what has happened is that the bank did not handle it in the same way it has in the past. It did not follow its procedure it outlined to me which was to send them the information they needed, they would review the information and contact me within 7 days to discuss and to let me know if they needed anything else, and, then provide me with a decision on the modification of my loan. Instead after I sent my required information, I never received acknowledgement or confirmation they had what they needed and they began foreclosure procedures. I managed to stop the foreclosure for a few months but in the end they have decided to go forward with it. This is despite the fact that they had provided me with a phone call offering a {$1000.00} a month mortgage payment on XXXX XXXX, 2016 which I agreed to but they never followed up with, instead they instituted foreclosure. In fact, I did not receive notice of the foreclosure until a real estate agent came to my driveway to tell me they were selling my home for the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a joint account with my mother with US BANK for our mortgage for 30 years. This loan has been paid off. During the last 6 months or so, before paying off the house the payment amount changed because of the escrow. We were unaware of this change for a couple of months and CONTINUED to mail in the usual amount. After receiving a letter in the mail, I called and we were informed of the new amount. We were also informed that because we did not mail in the new amount, it was shown on the account as delinquent and reported to the credit bureau on both of our credit reports. I feel like this is unjust, for a client that has paid their mortgage on time for 30 years. I also feel like it is unjust because it was not a missed payment, but not the correct amount ( which I believe was less than {$100.00} per month ). This was not an ongoing issue, it happened when the escrow changed a couple of months before the payoff. I would like to see this negative information removed from both of our accounts. Thank you
Product: Credit card

I bought 4 bar stools through XXXX on XX/XX/year> using my Apple Card. The barstools not only arrived in the wrong color but also arrived broken. I contacted XXXX for a refund but the merchant said that in order to get a refund, I would have to pay for the return shipping. I refused to pay for return shipping because the return shipping for 4 large items from NY to XXXX would have been very expensive. The fault was on the merchant because they sent the wrong color and the items were broken and seemingly not effectively packed to prevent damage. I opened a dispute with XXXX and XXXX reached a final decision that the merchant would have to pay for the return shipping but the merchant still refused to do so. 

Given that XXXX was not willing or able to refund me for my purchase I opened a dispute through my Apple Card. The Goldman Sachs reps for the Apple Card have continually sided with XXXX when it came to my dispute despite providing screenshots of the order I placed, screenshots of XXXX XXXX stating that the merchant must pay the return shipping fee, pictures of the broken chairs in the wrong color, and screenshots of my chat history with the merchant. The apple card disputes always results in " there is no evidence to substantiate the claim ''. When I reach out to Goldman Sachs reps and ask what specific evidence do they need for me to prove my claim, they ask for the same documents I've already sent. I've been disputing and redisputing this claim for more than a year.
Product: Checking or savings account

Some time in XXXX I noticed a fraudulent transaction on my account and it is not showing up on my bank statement and it shows up on my report but it shows that my account is still active and that I am still waiting on the payment from the last time that it has happened. My cash flows are not shown on my bank statements anymore only the totals but on the account that they have been deposited in my checking accounts so Im going on the website to get a check for my account to go through and I have a new balance for the money that was deposited on the bank card so Im going to get that money today so Im not going into any trouble right away but it is not lining up with the money that Im getting from the account that Im using right now and the debits are not showing in the accounts that are being deposited in my checking accounts so its going through the bank statements which I need for the money that Ive already put into the account number and I dont have to pay for my bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX  mistreated me by increasing my increasing my rent charge every month. I inform them that I'm now on XXXX with limited income and they stated it was not their problem. They lied to the courts which I had to straighten out by showing the correct documents. I'm still on XXXX with a limited income. I have documents regarding this issue.
Product: Bank account or service

XX/XX/2016, we were in the process of switching from Wells Fargo Bank to another bank as we have had several fraudulent transactions in the past year. The latest one was in the amount of $ XXXX from my daughters and my account to my husbands and my account. About 2 minutes after doing so my account password and address changed and I was notified by the bank by email if I had changed my password so I ran this through their fraudulent dept. a few days later XX/XX/2016 I received a phone call from a women who said her daughter works at the XXXX next door to the Wells Fargo Bank in XXXX, which was our bank at the time. Her daughter went out to the dumpster that sits between them and Wells Fargo Bank and found a bunch of papers scattered around the outside of the dumpster on the ground. When she looked down she saw one that had all of personal information on it so she took a picture of it, then told her mother on Thursday. Her mother said that they needed to contact us which they did from the information that was on the document. The daughter did not pick up any of the papers which mother saw the email address and sent the pictures of the papers which clearly show the paper. The document had our full names, tax ID, address, phone numbers, and full social security numbers on the page. I immediately called the XXXX police which were right across the street, they gave me a case number but said they really could n't do anything about it. The next day my husband went to the dumpster and all of the papers were still there, no at least 4 days laying there. He took pictures of the surrounding area of the dumpster with the view of the bank and the XXXX restaurant and also picked up the document that has our personal info on it, which was page XXXX of XXXX as well as a deposit slip that had someone else 's name and account number. We called the XXXX police again and told them the papers were still out there on the ground and they said all they could do is come over to the bank why we talked to them but we decided not to do that until we spoke to someone else, but the police have documented our information. That afternoon the same girl from Wingers went over again and saw another paper with our information on it, she picked this one up, which my husband had missed. This one said page XXXX of XXXX. This area has a lot of homeless people etc. that look through dumpsters for food. The mother and daughter said they would testify about everything they saw. We would like to take some legal action as we have no idea who might have all of our information. I will attach the papers so that you might review them. Thank you.
Product: Money transfer, virtual currency, or money service

A mutual customer purchased a Western Union Money order # XXXX for {$95.00} in XXXXXXXX XXXX and submitted it to us for payment. Said Money order was deposited by us on XXXX. On or about XXXX the money order was returned to us marked " Altered / Fictitious item by XXXXXXXX XXXX costing us a {$15.00} return check charge. 
We contacted the submitter who in turn contacted Western Union to submit a " XXXX XXXX '' request on the money order via email. 
Western Union advised him that the Money Order had been cashed, stated a copy of the cashed item was attached from a " No Reply Email address '' with no attachment. 
I and my banker have spent several hours on the phone and writing to no avail to rectify the problem. The affidavit they want me to print and sign will not print from Western Unions website and in speaking with there rep they want me to pay a {$15.00} charge to get a copy of the " XXXX XXXX ''.