23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I filed a claim with my XXXX card, for the transactions I did not make, which took most of my money, and I have yet gotten anything XXXX, I sit on hold for hours waiting to talk to someone, I had many transactions from the same place on my card which I looked up online n it goes straight to the XXXX company out of California, I have done everything required n yet I have not received my money, the names from the transactions are from a XXXX, and XXXX, with the same address in California, different amounts in a pattern of XXXX, XXXX XXXX, XXXX XXXX, XXXX through out a whole month and half that i which they took my money, I don't know i what other information to give the social security direct express card. I have changed cards changed, emails, changed passwords, and I have yet gotten my money XXXX. There was about XXXX in purchases that I did not do. For the months of XXXX AND half of XXXX 2023 I would like my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

central financial control/syndicated office systems is appearing on my credit report wrongfully duplicated under two different account numbers.acct no XXXX and acct no XXXX are medical collection accts.Additionally, I had government insurance at the time of service.Thirdly, at the time of service, I was in police custody forced to take a blood alcohol test.These collection accounts are wrongfully appearing on my experian and equifax credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to update information on my consumer report. The account with friendly loans is open and paid on time. The account is about 30 points on my score, the account was not deleted by the lender as per the lender. Experian is refusing to update the information. It's showing in thier record as deleted in 2017, yet the lender has not deleted the file. The lender has provided me with a customer statement that Experian refuses to accept. the FCRA states that they must consider all information I send to prove my case.
Product: Credit card

I recently paid my card in full and requested that the latest interest charge and cash advance interest charge be refunded. Almost all banks refund the latest interest charges when the balance is paid in full. When calling in today, I was told the system rejected a refund option and that they can not override it as the charges are valid - yes, the charges are valid, but in a case where the entire balance is paid, there should be consideration or grace ( like other major banks ) regarding the same. I want to ensure that Capital One is doing everything in their power regarding these fees in light of paying the entire balance.
Product: Mortgage

Bank of America has gravely discriminated against me, delaying Loan Modification for 4 consecutive years. The employees at Bank of America were caught on recording denying the modification based on XXXX and demographics. This unethical and unlawful behavior created a long battle to getting the modification that I was very much qualified for and finally XXXX 2015, the modification was completed. My credit is n't destroyed because of my negligence but because of Bank of America, constant violation of Unfair, Deceptive, or Abusive Acts or Practices and Fair Credit Report Act. I want my Credit to be completely reflecting in good standing with Bank of America. I want ALL delinquencies removed from my credit report immediately. 

On XXXX XXXX, 2015 I met with XXXX in person at Bank of America, and he ensured me this would be repaired, on XXXX XXXX, 2015, I forward over the dispute letter regarding my Credit being corrected and not reflecting any delinquency rating at all from Bank of America. XXXX XXXX received the letter and stating he was working on it. I have called Bank of America thereafter to inquire about my credit, but to receive rude, disrespectful employees and no end results. The law requires my credit to be corrected, if no response from the credit regarding the matter within 30 days. It has been since XXXX XXXX, 2015 my credit is still damage and they are in complete violations of the FDCPA. 

Moreover, they are charging addition fees that they are not entitled too. Recently, received notification, Bank of America, added in {$8000.00}, forecloses fees stating they maintained my property landscaping, utilities and more. The refused to remove those fees, and has started billing despite the evidence I have to show, I maintained my own property that I reside in and paid my own utilities bills. This is fraud/theft by deception. 

I want my credit completely corrected as it relates to my loan number XXXX and I want the extra fees Bank of America has added to my loan removed or I will be suing the company. I refused to speak with them any further, as they added to my health issues but constantly upsetting me. The only way I will speak with Bank of America and that is the CEO himself.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. According to the Privacy act of 1974, I have the right to ensure my private information isn't shared backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX, XXXX and Experian does not have my written or verbal consent to furnish this information. Any and all consent to XXXX XXXX XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

According to15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission in which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. due to lack of full disclosure of reporting errors.
Product: Mortgage

On a recent phone call to XXXX I spoke with a XXXX XXXX concerning possible refinancing of my Wells Fargo Home Mortgage. XXXX mentioned that Wells Fargo had not reported 2 1/2 years of payments to any of the credit agencies ; thus my credit score did not clearly reflect my credit score. I telephoned Wells Fargo on three occasions to discuss the reasons, and I was told XXXX different stories. Due to XXXX in XXXX of 2013, I had to file Bankruptcy Chapter XXXX which was discharged in XXXX 2013. Wells Fargo keeps telling me that my attorney, XXXX XXXX in XXXX XXXX, WV did not file a re-affirmation agreement to not have the Home included in the Bankruptcy. My attorneys office tells me it was up to Wells Fargo Home Mortgage to send the re-affirmation agreement. Thus, this XXXX year old is caught in the middle of this chaotic problem where someone obviously screwed up when my bankruptcy went to Federal Court in XXXX, WV. My attorney requested I pay him {$400.00} to reopen the Bankruptcy. What gives here.
Product: Mortgage

I have a XXXX XXXX loan. XX/XX/XXXX I requested a XXXX XXXX loan forbearance. After the XXXX XXXX, I requested an extension. In total I have had XXXX XXXX of XXXX. My reading of the cares act states if I had been in an active forbearance plan as of XX/XX/XXXX, which I had, that I would be eligible for an additional XXXX XXXX for an XXXX XXXX total. I write Murder mystery party games for people to host large parties in their homes or businesses. My XXXX year old business has been impacted greatly by the pandemic. I have fixed up my home and had plans to put it on the market, but my XXXX XXXX lender, which is Rocket Mortgage has denied any further extension saying XXXX XXXX  only allows XXXX XXXX  period and they answer to their investors and not XXXX XXXX  or the XXXX XXXX Thats twice Ive heard that one. I tried to do a loan mod once before XXXX  years ago, but they only reduced my payment by {$50.00} and extended my loan by XXXX years! I still made the XXXX  months of required payments then they denied me the mod because I contacted XXXX XXXXXXXX who got involved because they werent following guidelines. They lied either in the loan modification process saying my home was worth {$210000.00}, which prevented me qualifying for a lower interest rate, but when I filed bankruptcy directly after, they filed paperwork saying my home was only worth {$160000.00} to prevent me being able to sell it under the bankruptcy : I have both of these sets of paperwork showing that. So according to Rocket mortgage twice filed legal paperwork, my home value decreased by {$45000.00} in XXXX  months and this was BEFORE XXXX. Nothing in my home had changed except aging XXXX more months. I borrowed money from my family to fix up my home and make it marketable for max value, which is almost complete and now I cant get the extension so I can actually sell my house after the work Ive poured into it, but my guess is Ill get foreclosure paperwork that puts it up for sale by auction in a month. If they follow the same pattern as before, a loan mod with a {$50.00} reduction as before wouldnt give me an affordable payment either. The paperwork shows they will lie cheat and steal. Simple as that.
Product: Mortgage

In XXXX of XXXX Freedom Mortgage cancelled my online account for both of my mortgages with them. I have called repeatedly to get the issue resolved and customer service agents can not tell me why I can not get access to my account information and payment online. 
It started in XXXX XXXX when I notices that my login for my account was no longer active. 
I have had access to both accounts since XXXX. I have 2 accounts with them, the first account has been since XXXX and the second was since XXXX. I had no problem making my payments for both home thru the online portal. 
Here are the agents number and dates that I called to get resolution. 
XXXX XXXX - agent XXXX XXXX XXXX  XXXXca n't understand why account is not recognized XX/XX/XXXX -agent XXXX XXXX XXXX  - Said she would issue an IT ticket to resolve XX/XX/XXXX - Agent XXXX XXXX XXXX -does n't know why its not working XX/XX/XXXX -Agent # XXXX XXXX- doesn't know why is not working XX/XX/XXXX - AgenXXXX XXXX XXXX XXXX  Supervisor # XXXX XXXX -Supervisor says that they are having problems with Assumed Loans and that it would get fixed. 
XX/XX/XXXX Agent # XXXX XXXX XXXXNo idea why its still not workig XX/XX/XXXX Agent XXXX XXXX -Assumed Loans have no access online XX/XX/XXXX Agent # XXXX XXXX - Incorrect info give by agent about Assumed loans XX/XX/XXXX Agent # XXXX XXXX - Sent another IT ticket for resolution I have been told that my online account problem was due to my first loan being an Assumed Loan. But my second mortgage is not an Assumed Loan and I can not get access to it either. I have also been told that IT would look into it and no resolution has been made. 
The portal will not let me establish a new account because the portal says it doesn't recognize my account number or SSN or Names. Either for me or my husband.
Product: Credit reporting or other personal consumer reports

AI Chat AI Video AI Chat AI Chat is an AI chatbot that writes text. You can use it to write stories, messages, or programming code. You can use the AI chatbot as a virtual tutor in almost any subject. 



Chat History Are u familiar with consumer laws Delete Yes, I'm familiar with consumer laws, which are regulations designed to protect the rights of consumers when they engage in transactions for goods and services. These laws cover a wide range of issues, including product safety, false advertising, warranties, and the right to return or exchange products. Consumer protection laws vary by country and jurisdiction, so if you have specific questions about a particular aspect or region, feel free to ask! 
Copy Search Web Summarize Delete Ok using consumer law 15 US 6802b write me detail dispute paragraph stating how according to this law all late payments on my consumer report is inaccurate because I never opted out or was giving the option to opt out even tho they state I opted in to having my information release XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bank Delete Sure! Here 's a detailed dispute paragraph that you might consider using for your consumer report dispute : Dispute Paragraph : According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ), individuals have the right to control their personal information and may opt-out of allowing financial institutions to share their data. It has come to my attention that my consumer report reflects several late payments reported by XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. However, I did not opt-in for my information to be shared with these entities, nor was I provided an option to opt-out at any point. This lack of informed consent means that any late payments that have been reported to credit bureaus are inaccurate and violate my rights under the FCRA. As such, I request an immediate investigation and correction of my consumer report to remove these erroneous late payment entries, as they do not accurately reflect my payment history and have been reported without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XX/XX/2019  {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$79.00} There are no contracts, no valid  claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Mortgage

Loan officer ( XXXX ) misinformed me about ability to approve mortgage application causing me to unnecessarily incur an appraisal expense On XXXX/XXXX/XXXX, I had an email conversation with XXXX in order to explicitly confirm that Wells Fargo would be able to consider my wife 's new income in the mortgage application BEFORE the appraisal. XXXX response was that the decision is up to the underwriter and that sometimes they just need an offer letter and other times they need XXXX or XXXX pay stubs. This validated prior phone conversations in which XXXX said he would only need XXXX or XXXX paystubs. I also had a phone conversation with XXXX on XXXX to verbally confirm the pre-approval status of the loan. 

The underwriter later declined the loan due to the fact that he could not verify my wife 's income without 6 months of pay stubs after I had already incurred the appraisal expense. ( This is the reason stated in Adverse Action Notice and emails from XXXX on XXXX & XXXX ) This was the first time a 6-month requirement was mentioned despite my multiple attempts to confirm requirements. This was also extremely frustrating because I did my due diligence to clarify requirements, but I was told incorrect information by the loan officers. 

Furthermore, the appraisal itself had 2 problems : ( 1 ) The purchase agreement was misstated in the appraisal as $ XXXX. Actual agreement is for $ XXXX. It seems as though only the original offer was reviewed, not the final counter offer ( 2 ) Comp # XXXX ( XXXX XXXX ) appears to actually be sold XXXX XXXX. Age is over 12+ months despite the fact that the appraisal notes many other valid comps I have opened 3 cases with Wells Fargo HM Customer Care , and they have refused to discuss the issue further without even addressing the email and phone conversations containing misinformation. They wo n't even confirm if they have reviewed this evidence, nor will they comment on the mistakes on the appraisal. 

I have found many complaints online regarding this practice of prematurely ordering appraisals before stip requirements are clear to customer. I am concerned that Wells Fargo is profiting
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of my apartment at XXXX at XXXX XXXX in 2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX has been reporting this debt on all XXXX of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called XXXX XXXX XXXX and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in 2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are incorrectly reporting a collection in the amount of {$16000.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to send to collections. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Prepaid card

I received an AMEX gift card in XXXX. The total value amount was {$500.00}. I applied XXXX to XXXX successfully in XX/XX/XXXX. However, I have been unable to use the card successfully since ( online stores/in person ). 
Today, XX/XX/XXXX, I tried a tip from the internet of only applying {$9.00} to the XXXX account which worked 4 times. Now the card is declining again. The phone numbers provided on the back of the card never lead to a live agent to assist with this issue. So now I still have this American Express Gift Card that declines repeatedly even though there are available funds. This is a known issue which is evident on many online forums.
Product: Debt collection

I have contact Design receivables numerous times to validate this deb to be mines. I have asked for my signature to show that this debt actually belongs to me and have yet to hear any correspondence from this collection agency. I have also ask if they are governed to collect debts in my state and city. This debt doesn't belong to me and every attempt that I have made I have never gotten a response. Yet this debt goes up and I am also wondering how can a debt owed increase. I would like this account removed for because it doesn't belong to me.
Product: Credit reporting or other personal consumer reports

I reviewed credit report and noticed a hard inquiry from XXXX XXXX XXXX I did not apply for any credit
Product: Checking or savings account

My debit card was stolen and I had some unauthorized transactions on my account and I dont feel Capital one properly invested my claim and my claim was denied