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

I went to deposit {$1000.00} in cash ( XXXX {$100.00}, XXXX {$20.00}, XXXX {$50.00} ) at the inside ATM machine. I used the touch pad to scan my card instead of inserting my card and entered my pin number. I selected deposit and put in the amount of {$1000.00}. The ATM started " working '' and the door opened and took my cash. It took an excessively long time. Then it stated something happened and it did not print me a receipt. I had no record of my transaction. It was not in my account either. I very loudly said the ATM just stole my money. and they came over to help me right away to file an investigation. They took all of my information. The denominations of the bills. They said that I would be issued a temporary credit within 1-2 hours. This was not true. I called Chase after two hours when the money did not appear and was told it was 1-2 business days that a temporary credit would be give for real money I put in their ATM. Apparently an investigation was performed XXXX and they are now refusing to give me a temporary credit and making me wait 10 days for my money. I don't think they plan on ever giving me my money back. They have a record of me using the ATM they have video of the money going in. I want my money in my account TODAY. This branch is acting shady. I will never go there again or use an ATM again for an all cash deposit.
Product: Checking or savings account

I was scammed by someone I met on XXXX who claimed to offer a product/service and communicated with me through XXXX. Their profile appeared legitimate, and although they didnt provide pictures of their work, they seemed trustworthy enough for me to believe the offer was real. 

I sent money to them through XXXX, but after the payment was made, they stopped responding and blocked me. I received nothing in return. 

I contacted Wells Fargo to report the fraud and explained everything. I told them I had proofincluding the XXXX conversation and details of the transactionbut the bank was not willing to review or accept any of my evidence. My claim was denied without a proper investigation, and I was simply told I shouldnt send money to people I dont know. 

This was not a mistake on my partit was a scam. I acted in good faith and was deceived. XXXX requesting the CFPB to investigate XXXX XXXX handling of this case and help me recover the funds that were fraudulently taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousinhicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX  XXXX {$1700.00} XXXX {$17000.00} XXXX {$260.00} XXXX  XXXX {$3300.00}
Product: Debt collection

Imagine my surprise when I received notice from XXXX that derogatory information was added to my credit report. 

I have never received any correspondence from these two agencies. And seriously doubt that the claims are valid. I have XXXX and XXXX ( XXXX XXXX XXXX ), and never received an explanation of benefits ( EOB ) explaining the below charges. 

Collection Agency : FirstPoint Coll Resources Inc Original Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX Original amount owed : {$1000.00} Date Assigned : XX/XX/2023 Medical or health care Status : Unpaid
Product: Credit reporting, credit repair services, or other personal consumer reports

For LoanCare, the Late Payments are not correct.

My payments were less than 30 days Late. By Federal law, a late payment can not be reported to thecredit reporting bureausuntil it is at least 30 days past due. I sent them copies of enclosed proof of bank Checks, Bank Statements, and online Bill Pay. 

Payments Cleared : XX/XX/XXXX {$1100.00} LoanCare Online ; XX/XX/XXXX {$1100.00} CK # XXXX ; XX/XX/XXXX {$1100.00} Conf # XXXX ; XX/XX/XXXX {$1100.00} CK # XXXX ; XX/XX/XXXX {$1100.00} Conf # XXXX ; XX/XX/XXXX {$720.00} Conf # XXXX ; XX/XX/XXXX {$400.00} LoanCare Online ; XX/XX/XXXX {$1100.00} Conf # XXXX
Product: Debt collection

FABCO was supposed to roll the debt into the chapter XXXX, but did not do it correctly and left an additional derogatory mark on my credit. I have made several attempts to contact FABCO and filed disputes with no luck.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report I am writing to dispute certain information in my credit file that I have determined is inaccurate. The items I am disputing are also circled on the attached copy of the credit report I received. 

This letter is a formal complaint that you are reporting inaccurate and/or incomplete credit information on my credit file. I am very distressed that you have included the below information in my credit profile that includes the following error ( s ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXX US DEPT . OF EDUCATIO According to the Fair Credit Reporting Act, you are required to investigate and remove inaccurate or unverifiable information from my credit report if it is found to be inaccurate or can no longer be verified. 

Please investigate these matters and correct the disputed items as soon as possible. I request that you send me a corrected version of my credit report upon resolution of these issues. 

Please let me know if you need any further information or documentation to assist in the resolution of this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 

The length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. 

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Product: Mortgage

in XX/XX/XXXX I fell behind on my Mortgage payments and by the grace and favor of XXXX was able to get caught up by making a lump sum payment of nearly $ XXXX in late XXXX XXXX However I have falling behind again and have sought assistance from the Mortgage servicing company " Fay Servicing ''. They initially told me in XXXX that they would give me a Forbearance yet never did until XXXX, allowing me to skip one month and our demanding the I cure the balance of {$4900.00} by XX/XX/XXXX. On top of that I believe their obligation to adhere to the " Truth and Lending Act of 1974 '' and " The Financial Modernization Act of 1999 '' has been violated. For a few months now there have been individuals driving pay the house, stopping in their vehicles and taking pictures of the house, one couple went so far as to get out of the car and take pictures, when I came out to confront them and ask them why, they nervously pretended to be taking pictures of the house next door, So I asked what hey were doing and the gentleman said he worked for a 3rd party but refused to show any credentials or identify a company. This also took place last year when I was behind, strangers stopping in the culdesac to take pictures of my house. An official filing of foreclosure was never submit to the county therefore the property being in destress should not be public information. Someone at " Fay Servicing " has shared this information unlawfully thereby violating the aforementioned | '' Acts ''. I applied for a modification review and was denied and received a 30 day Forbearance during a time which is unprecedented not only in our country but world wide. I am therefore submitting this complaint against " Fay Service '' for their unlawful practices allowing unauthorized access to my private information in order to help another profit from my hardship. This loan is not a ( G.S.E ) and may not fall under the full protection of the " Cares Act '' yet the willingness to offer reasonable assistance during these times has not been displayed by " Fay Servicing '' only a predatory demeanor and questionable method of operation.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may inc
lude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

Following inquiries, were never applied to from me, XXXX XXXX XXXX XXXX XXXX XXXX ) WF Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WF card SvcXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar Mortgage and XXXX XXXX XXXX have conspired to ruin our credit by telling us the problem was solved yet they reported our payment as late when verbally advising us otherwise. This happened when XXXX sold or transferred our loan as modified to Nationstar and gave us one month to delay payment yet never applied that payment properly, thus ruining our credit. As senior citizens, we need our creditworthiness. It 's fraud perpetrated against us.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX SLS charged off an account of mine for a 2nd mortgage. In XX/XX/XXXX we paid massive penalties and reinstated account as of XX/XX/XXXX. The account has been in perfect status ever since for 13 months. We received notice on our credit report that on XX/XX/XXXX and again on XX/XX/XXXX our account was again charged off by SLS. 
We have documentation from SLS that account was charged off in XXXX. I had employees of SLS stating that an account can only be charged off once. After numerous calls and pleadings to fix the problem little to no headway has been made. the XX/XX/XXXX filing was removed but I was informed the XX/XX/XXXX filing will not be removed. I asked if I need to sue them to fix this and now they will no longer speak to me. 
This company has a 1 star out of 5 star rating in the XXXX  and is near impossible to communicate with. You can not speak with any one over a operator and must sit and wait for some one to return a call in a few days or ever. 
The problem with this is my credit score dropped over 100 points and now with a mortgage charge off I can not get a refi on the house. There is a balloon payment XX/XX/XXXX so I can not refi the house and guess who can foreclose and take my {$75000.00} equity? Yes SLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting error I have contacted XXXX XXXX XXXX and have received the letter confirming that the account was closed and there are no issues. Please remove this from my credit file. XXXX XXXX Opened XXXX Reported XXXX Hi. Credit {$200.00} Credit Limit {$200.00} Thanks XXXX XXXX XXXX
Product: Debt collection

My husband spoke as a representative to XXXX at National Recovery Agency where she proceeded to tell him if we set up a payment plan they would not report to credit agency. Two days after payment they reported the debt. When I called in XXXX XXXX ( XX/XX/12 ) informed he heard said call and they can still do it. I have asked to hear call with no luck. XXXX at extension XXXX is now claiming he will only help if I pay full amount. Lying to collect money.
Product: Credit card

I was dating with a man and he scammedmy account and my credit card he was make 3 forgeries check to my account on XXXX and my credit card he buy many thing online with XXXX and I disputed these transaction XXXX be XX/XX/XXXX or XXXX they are still on my charge .Now he try to pay Cause I don't use the card because of him and I see the payment returned so I would like the bank alert when a new action make on Mt account
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TO GET MY CREDIT REPORT UPDATED PROPERLY!! 
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX please delete any other addresses that appear on my report the are fraudulent. Delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these numbers the are not mine not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( 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

For the one collection This account is not me, I never received notification of the debt, the original creditor never responded and I have moved from address they claim they sent collection to or original creditor sent bill notice to, Please remove this collection from my report as it is both predatory and inaccurate in the times of the coronavirus pandemic Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is 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 circumstances 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 and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 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 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 and XXXX 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.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} XXXX/XXXX  XXXX XXXX XXXX {$0.00} XXXX BANK XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$930.00} XXXX XXXX  XXXX  XXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$840.00} XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  VERIFY XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I bought a white XXXX XXXX on XX/XX/XXXX from a dealership named XXXX XXXX in XXXX California. I signed a 5 year loan. I paid the last payment on XX/XX/XXXX which was the end of the loan based on the extensions I requested. So at the end of said loan, after my last payment was sent, confirmed and submitted based on XXXX XXXX XXXX and its Representatives over recorded phone calls, XXXX XXXX then changed the ledger, created mark-ups and padding, and added {$3200.00} more dollars after the last payment had been received. After I requested over and over again, in writing, by way of certified letters, on the XXXX XXXX website portal and over numerous phone calls, XXXX XXXX refused to validate in detail the exact reasons for the additional amount due or where it came from. So I had to hire an accountant to review the account and review the XXXX XXXX ledger ( which they sent to me by USPS ) My accountant could not justify the additional amount due as well. The accountant suggested that I request " an explanation '' So, I contacted XXXX XXXX and they still refused to " explain '' the amount due. Then I attempted to find a lawyer to represent me since XXXX XXXX said that they would only validate or negotiate the account with a lawyers office through their " Attorney Represented Client Department '' Throughout this entire time frame since XXXX of XXXX XXXX XXXX has been unable to confirm, explain nor validate their padded and marked up accounting ledger. They have severely damaged life byway of damaging my credit rating. I have been denied credit, denied loans, denied home loans. The credit report does not show the 6 years of payments. The only item listed on the credit reports and on all the bureaus is a balance of {$5400.00} The bureaus are no longer listing it as " in dispute '' The Bureaus show that I owe a balance with no details about the loan. Just because XXXX XXXX says so, without any validation, explanation or justification does not give the bureaus the right to destroy my life and continue to report fraudulent information. NOTE : In the past, XXXX XXXX has not prevailed with Class Action lawsuits relating to specifically " fraudulent padding and mark-ups on auto loans '' In addition, AXXXX XXXXXXXX  sold itself to XXXX XXXX XXXX XXXX of XXXX for XXXX XXXX, which means that XXXX XXXX  no longer exists.