23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/, I pulled my XXXX XXXX report and noticed two hard inquiries on my credit. One from JP Morgan Chase and another from XXXX XXXX. I called XXXX XXXX to inquire, first checking by name them date of birth. They then asked for my SSN which I was not comfortable providing to an insitutiom I do not have a relationship with. 

I do not have any credit cards, nor have I applied for one in many years. I am concerned that my SSN and credit are currently at risk and am seeking assistance.
Product: Credit card or prepaid card

I sold my RV to XXXX XXXX  XXXX for {$48000.00} in last XXXX, and put the check into Bank of America ATM in XXXX. I accidentally use a wrong credit card which was closed by the bank. after I got home I noticed that and then I call Bank of America about the issue, an agent told me that she will transfer the money to my checking account and it will take 10 business days. After 10 days I didn't receive the money, I call the bank again and an agent said it will take more 10 days bc the credit card I used was closed. I wait more 10 days but no money received. I called more time that an agent said the money was sent back to XXXX XXXX, I call XXXX XXXX XXXX store where I sold my RV, and they said no check was returned and the check has been cash out! I was shocked and called the bank again, and an agent said she will send the check to me, and I wait for around 20 days, never happened! Finally I got a letter from the bank, it said the check was sent to a checking account, and I checked the account number, it is not my account number. later on I got a call from XXXX XXXX XXXX store, they finally found the check in XXXX XXXX XXXX store!!! Bank of America has done a horrible job. I called them over XXXX times to ask where is my money and every time I got different answer. Bank of America sent my {$48000.00} back the PAYER and not even give me a notification!!! Those money is our all saving. During the 2 months we have no money in our account, and we have to borrow money from several people and paid them interests to keep our life going! I filled a complain against bank of America, and I demand a 10 % interest for the total amount of my saving. A bank of America agent gave me a call. He was very ruled, and he blames me to send the money to a wrong credit card. and rejected my demand. and closed my phone when I was talking to him. later on I sent him a email to ask phone record but he no response.
Product: Debt collection

I do n't have an account with XXXX XXXX which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with XXXX XXXX. This account was opened " online '' which was not by me, therefore, XXXX XXXX does not have a signed contract from me. 

XXXX XXXX has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding XXXX XXXX XXXX vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

XXXX XXXX has Ceased all collection activity.
Product: Credit card

$ XXXX was never the amount owed. Our bank handled this dispute over XXXX years ago but its reported on the charge off date rather than the dispute date. It should have fallen off credit report and still affects our credit score. Never used this card and have travelled for over XXXX times with XXXX XXXX XXXX. Please remove from Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that should not be in my Credit report. These accounts are actually stopping me from getting a personal loan. The account listed below does not belong to me. I sent in a mail regarding this and haven't received any response. I don't why its taking too long. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Municipal Collection Services XXXX Inc. ( MCIS ), has repeatedly called to collected on this item that the XXXX XXXX XXXX XXXX XXXX had received payment. The XXXX XXXX XXXX XXXX XXXX also informed me to pay them directly. This was communicated to MCIS in XX/XX/XXXX 2015. I communicated this again to MCIS on XXXX/XXXX/15. I have and is requesting that MCIS verify information and remove completely this negative information from my credit report immediately. Simply reporting information as paid is insufficient. I am requesting it be removed asap. Furthermore, MCIS provided me with no written documentation or communication about this action ( placing of negative information on my credit report ) in anyway. This information was place on my credit report with no documentation or communication to me.
Product: Mortgage

Freedom Mortgage took over my acct in XXXX. Prior to XXXX my acct was in good standing. Freedom Mortgage repeatedly placed my payments in unapplied funding acct. Even though the banks confirmed the money had been taken out by the XXXX XXXX refuted the claim and placed me in foreclosure. I have recieve asst from keep your home california {$27000.00} in XX/XX/XXXX. Freedom Mortgage XX/XX/XXXX took {$25000.00} out of my XXXX XXXX XXXX XXXX Acct. Not authorized. They credit themselves the money. Took XXXX monies. Stated I owed all the monies XXXX just gave them. Stated I owed, them XX/XX/XXXX - XX/XX/XXXX. When asked about the XXXX XXXX they stated, that amount did not exist nor the Source. And the only monies they saw was the XXXX they credit themselves out my Personal Credit union acct. I a Loss Mitigation package XX/XX/XXXX. Paid {$2500.00} for 3 months. I Completed loss Mitigation package Trial payments. I notice that Freedom Mortgage had stated I owed XXXX. I notified my attorney XXXX of the discrepancies. He replied, I did my Job you just need to sign the papers. And to make my Payments. I was informed by Freedom of a Surplus of {$2400.00} and {$500.00} that was in unnapplied fundings. I was instructed to pay {$1500.00} XX/XX/XXXX. And Freedom stated they would applied {$500.00} to my mortgage. XX/XX/XXXX, Freedom Mortgage stated, I owed {$4400.00}. The {$1600.00} was not enough to cover the Mortage and it is in unapplied funding.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
TransUnion : 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 XXXX XXXX XXXX
Product: Debt collection

[ UNITED CR CO/Account Number : XXXX ] This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : 1. ) What the money you say I owe is for ; 2. ) Explain and show me how you calculated what you say I owe ; 3. ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. ) Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; 5. ) Prove the Statute of Limitations has not expired on this account ; 6. ) Show me the you are licensed to collect in my state ; 7. ) Provide me with your license numbers and Registered Agent or Agent of Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has been nothing but problems over and over and over again for me. I sent a dispute by mail in middle of XXXX ( see the attached letter ), They sent me on letter on XX/XX/XXXX ( See attached Notice ), that my dispute was not sent by me. Please tell me how you can tell me that my letter wasn't sent by me. It had my full information in the letter and on the envelope. This is nothing but a stall tactic by Experian to not process my dispute. Your bogus notice sent to me is incorrect and wrong. You still have 30 days to answer my dispute ( copy attached ), it does not start over with this complaint. If you do not I will file a claim in court for various FCRA violations along with proof anf the date you received my dispute. Again I have attached the letter that I sent to Experian, that you called suspicious and fraudulent and the notice you sent to me claiming it was. The clock is still ticking on the 30 day response no matter what your incorrect notice says. YOU ARE WRONG! You have 10 days to answer my dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 dispute, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Submitted paperwork for PSLF on XX/XX/XXXX - never processed Submitted paperwork for PSLF on XX/XX/XXXX - never processed I can not reach a person due to excessive wait times. I just want to know what the status of my loan is so that I can prepare for repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

At the beginning of 2015 the bank of American Express requested me to pay a annual membership fee XXXX {$.00} I phoned the bank and replied that I ' d rather cancel my bank account than to pay the membership fee. The bank said " No problem, it is only upon your wish, even though when you not pay the membership fee at the deadline of XXXX 2015, this bank credit card can continue serve you two months. '' Considering my available Points as high as XXXX on XXXX I consumed it with a balence of XXXX $ and tried to redeempoints for the statement credit. But to my dissapointment, the redeem function of America Express Website could n't run at all. I 'v already tried to do redeem with my rewards no less than XXXX times, but everytime I tried, the website showed me inevitably this " We 're sorry, the system is down and we are unable to process your request at this time. Please come back and try again later. '' _ this simply means undo! Now the bank insist me to pay the membership fee plus consume bill plus late fee plus interests, totally XXXX $ and all my rewards has to be abandoned. I 'v live chatted with the bank XXXX times but the bank could n't help me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX This company shows up on my XXXX HARD INQUIRIES report. On the data of XX/XX/XXXX. 

I have call and spoke with Representatives on XX/XX/XXXX as well as supervisor for this company I explain to them that I have not applied for any of their credit services and that this is a fraudulent act on my credit report. I have asked them to have it removed, they told me that it is impossible because their do not have any records of my file on there system. And that contacting you guys was my only option of having this fraudulent act removed off of my report.
Product: Bank account or service

I spoke with my branch of M & T bank on XXXX XXXX in XXXX XXXX. I was told that I could not add more than one beneficiary to any new account. That in order to have my husband and XXXX children as beneficiaries as I had done in the past when the bank was XXXX XXXX, I would have to open XXXX separate accounts whether they be checking, money market or cd. I called other M & T Banks in XXXX XXXX and XXXX, XXXX and they do not have this rule. I called the M & T Service hotline and they connected me to XXXX XXXX XXXX in XXXX, XXXX who is the VP of XXXX branches XXXX XXXX XXXX. He said that this was true as an internal decision and there was NO written confirmation for account holders and he would n't give me internal memos. The bank claims that ALL banks in the US will soon be doing this. Not only is opening XXXX accounts cumbersome record keeping, it prevents me from accessing higher interest rates that vary with the amount of money held in a single account. This internal rule would also require me to make XXXX withdrawals every time I did to keep the accounts even to be fair to my beneficiaries. I argued with XXXX XXXX that this was an account change and should be in an account agreement and he said no it is an internal change. There is NOTHING in writing for consumers. Needless to say, I will not continue to bank at this M & T branch.
Product: Debt collection

on XX/XX/2020 I received a JUDGEMENT COLLECTION LETTER that states I have a judgement and I was never served any papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to the credit bureaus several accounts because of inaccurate and incomplete information that are ruining my credit report, but i haven't received any response from none of the XXXX bureaus.
Product: Mortgage

This is a complaint about a past issue with Wells Fargo Bank in XXXX XXXX, XXXX XXXX back in XXXX. I recently seen a complaint on the internet about them and wanted to be included. What they are got fined for happened to me. I never heard anything from anyone. This is regarding XXXX. I was an employee at XXXX XXXX in XXXX XXXX and lost my job, then after a few months was unable to make mortgage payments and fell behind. I contacted Wells Fargo and applied for the home modification program ( HAMP ) to try to restructure my loan to stay in my home. I had already started to receive foreclosure documents. After I applied for HAMP, sending all necessary financial paperwork required, the Wells Fargo underwriter that reviewed my HAMP information called me and stated that I did not qualify for HAMP because he said, " you don't qualify because I think you really don't want to stay in your home. '' I received letters from Wells Fargo that I can stay in home if I pay the balance on mortgage of around {$96000.00}. I was unable to pay this so I lost my home to a foreclosure. It felt like Wells Fargo wanted my home. Then because of the foreclosure my credit tanked for about 7-8 years. I didn't know of CFPB at the time, so just moved on. Is there any recourse?
Product: Student loan

To whom it may concern, I called Sallie Mae to proactively figure out a rate reduction plan that would help me pay less per month with a lower interest rate due to increasing living expenses. I have good credit and I have been making my payments -- I 'm actually ahead right now because I started paying large sums per month before my loans went into repayment. My Sallie Mae loans will soon require I pay a hefty {$350.00} per month ; this is on top of my other Federal loans and living expenses. My Sallie Mae loans are for less than my federal loans, but I pay more for them per month. 

The Sallie Mae representative told me that the only way I could potentially work out a rate reduction or refinancing plan with them is if I am currently under hardship. I explained that I am not, necessarily, under hardship -- though I do n't know what qualifies as " hardship '' -- but that I will soon be due to changes in my living situation. I will not be able to afford a {$350.00} to Sallie Mae and also pay for rent, utilities, insurance, etc ... 

The Sallie Mae representative seemed to sympathize with me, but she also seemed bound to an unspoken rule that disallowed her from helping a borrower who was looking to proactively take steps in order to not become delinquent on their loans. 

I need to figure out a refinancing or rate reduction plan with Sallie Mae before I suffer from delinquency, which could happen as soon as XXXX months from now when I move and settle in a different area. 

I 'm filing this complaint because Sallie Mae is not willing to work proactively with me as a borrower to stop delinquency, forbearance, or bankruptcy from happening.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Accounts to Be Blocked and Deleted:
 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 Inquiries: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
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 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some 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.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$17000.00} / XX/XX/2018
Product: Mortgage

WFM h ave ignored my complaints, pretending they do n't exist.   
We settled our mortgage in full with WFM after Wells  agreed to remove the unfair late Charges from our account.They removed over {$5000.00} in late charges.WF claimed it was a 'courtesy'.. while we pointed out WF had lost a similar case in New York when trying to force mortgage holders to pay unfair late fees and had to remov  e the charges.     The same department and employees at  Wells Fargo have been consistently harmful to us.   Wrongfully referring to my serious health problems at  XXXX , making intentional delays to harm us.     Having removed the {$5000.00} in late charges, this department has now very unfairly refused to remove the late harges from our credit reports. _Thereby causing us to lose new mortgages and making it impossible to buy a new home.     We told t his to WFM  but they refused to care or help.     Please could the CFPB help..   Please refer this to th  e CEO of Wells Fargo for a direct response.. ... ..
... ... as this deprtmet at WF ha  s been so biased against us and mean spirited.   It costs nothing (  zero $ )   to  do the right thing, yet they so wrongfully refuse.   They are standing on our throats, ruining our lives.     At my stage of life l want to get my wife settled before l die.