23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency XXXXay terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A drop in my credit suddenly appeared on three credit reports, XXXX, XXXX, TransUnion showing a delinquent charge on an account that does not belong to me was. It was placed on my credit report wrongfully. I discovered this through an invoice being sent to me with a bill for XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX I do not have a XXXX  XXXX XXXX account. The purchases on the fraudalen card were made in New Jersey. I live in California. I am now aware that my identity was stolen apparently with the intention of opening up a credit card at the XXXX XXXX  XXXX using my name. It may have been stolen to be used for even more nefarious ways. I do not know how these people or person obtained my SS number or address. This has impacted my credit significantly in a very negative way. I have reported this to the XXXX XXXX XXXXXXXX, law enforcement, SS XXXX. and the local police. I have reported it to each credit agency, and my own bank, XXXX. I hope you can help me fix this problem and have my true credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and capital one auto finance have ignored my request for proof of my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XX/XX/XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX & XXXX Account Number XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XX/XX/XXXXAccount 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of inaccurate and fraudulent information on my credit report, which I believe is the result of identity theft linked to the recent XXXX data breach. It has come to my attention that my personal information was compromised, leading to unauthorized accounts being opened in my name. Below is a list of fraudulent inquiries that I am disputing : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I would like to have all inquiries removed from my account its messing up my credit score i want every inquiries removed asap i do not know how i have 16 inquiries this is not making any sense at all i need my credit score urgently to get my apartment and the right job for me it is stopping me from succeeding help me please
Product: Mortgage

continuation of XXXX complaint due to Ditech Financial LLC not following their own word and finding excuses to get them out of loan modification contract they made with me and after i sent them the first payment for loan modification and had sent them their paperwork and a copy of paperwork overnight through XXXX. Ditech is now denying the loan modification due to paperwork not arriving in a timely manner and i have proof through XXXX tracking that paperwork did arrive on time at their office in XXXX, Arizona on the XX/XX/XXXX as was needed, but was not delivered due to " Customer not available or business was closed '', but was delivered on the XX/XX/XXXX and signed for by a XXXX. since i have received calls from Ditech Financial llc and prior visits from their reps on saturdays, i fully assumed that their office was open and reps were available to receive the XXXX package with the loan modification paperwork. since the paperwork was delivered in a timely manner, Ditech Financial LLC should keep their word and honor their contract as i had with returning the signed documents and made the first loan modification payment. in a letter received XX/XX/XXXX, Ditech Financial LLC, STATES that i have 2 choices..SHORT SALE ... wanting me to sell my personal property ( my land that i had previously before purchase of mobile home ) that had nothing to do with my original purchase or loan modification and pay them off. the second was DEED IN LIEU OF FORECLOSURE.. wanting me to voluntarily hand over the deed to my personal property. again had nothing to do with my purchase of my home. 
also, my complaint leads into the right hand not knowing what the left hand is doing. my first statement after returning loan modification documents and making my first payment on the loan modification, i receive my first statement again with threats of taking my home and saying i am delinquent for 523 days even tho i have been making payments every month since my original contract matured even tho i still believe the amount owed is manipulated through creative financing at their whim and not owed, just so i can keep the home that i have been paying for going on 22years and the contract was 20 years. i feel there needs to be a complete FEDERAL AUDIT of my account and many others to see the creative financing Ditech Financial LLC fka XXXX XXXX that this company is capable of! 

Also would like to see how 2 large payments of XXXX and XXXX were applied to my account. Another thing is my account payment was raised from {$280.00} to XXXX after i had a bankruptcy in XX/XX/XXXX ... .where did that go?
Product: Credit card or prepaid card

My family and I are traveling on XXXX XXXX from the XXXX XXXX to California ( all day traveling ). While attempting to pay for my car rental reservation, we were surprised the company required an additional {$13.00} for the car. According to the rental company at the airport, they could only charge one card once. I called Wells Fargo requesting help so they will honor the additional {$13.00} for my family food and a bed to sleep on. The agent was adamant that because I have a secured card there was no way they could increase my limit for the transaction to go through. Despite me having plenty of money in my checking account and having this card opened for almost 10 years if not more. Seems to me that all wells Fargo cares about is making money instead of the well being of their customers. I cant imagine how difficult it would have been for them to allow a ONE TIME exception to help a stranded XXXX XXXX military family.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing and evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681I, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is 3 years which makes this a time-barred debt.XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.
Product: Credit card or prepaid card

The following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. 
( XXXX  XXXX Date opened XX/XX/2019 XXXX {$0.00} )
Product: Bank account or service

I have applied for a home mortgage with American Financial Resources. They asked me for information in regards to some properties that were included in a bankruptcy, which was discharged and I was no longer held accountable. AFR is claiming they were foreclosed on after my bankruptcy ( keep in mind no longer my obligation ). I know the law states I once the bankruptcy is discharged I am no longer responsible financially for the properties. I provided all the documentation and explained to them the process. They are now asking for documentation that does n't even exist and asking for letter from my accountant that he legally ca n't document. I feel they are discriminating again me because of my previous financial history, even though I have provided all the legal documentation confirming everything in question. Now there are some concerns on what documentation they are asking to provide given lending laws. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR SIRS, THESE ACCOUNTS HAVE YET TO BE VALIDATED AFTER REACHING OUT TO THESE COMPANIES OVER THREE TIMES REQUESTING VALIDATION. PLEASE ASSIST ME IN SOLVING THIS MATTER.
Product: Payday loan, title loan, personal loan, or advance loan

This has been going on for about three months now with Affirm. I've been paying on my current loans and paid off over three loans previously with Affirm. Whenever I try to checkout using Affirm, I have been clocked from viewing my power amount I can borrow up to for months. I've reached out to the chat services online and kept on getting the same answer, which was we can't help you sorry about that. I have nothing outstanding with them and I wanted to find out why I can't view my purchasing power on Affirms website. No help is being given to me about this. Please help me figure out a way to see what amount I can get approved for. Today I've been denied again which is XX/XX/year> and still not a resolution to my issue from the chat support through Affirm.
Product: Credit card or prepaid card

To whom it may concern, On XX/XX/XXXX, I received a letter through the Secure Message Center that my Chase XXXX XXXX # XXXX was being closed. 

On XX/XX/XXXX, I contacted the phone number XXXX ( Fraud Department ) referenced in the closure letter, and requested a reconsideration in this decision. The case was referred to a supervisor for review, and possible reinstatement. 

On XX/XX/XXXX, I received a call from the supervisor, whom my application was referred to, for review, and he informed me that my account is being reinstated. 

On XX/XX/XXXX, I logged into the Chase mobile app, and again noticed that my credit card account shows as closed. 

I contacted Chase customer service again, was referred to somebody named XXXX again from the Fraud department, and he told me since I have failed to safeguard my account, he is closing my credit card account. 

Fraud had occurred on my account 2 times in the past, and both times the bank had done an investigation, and ruled in my favor. In early XX/XX/XXXX, I thought my card was missing, reported my card as lost, and 2 transactions as fraudulent, however, after I learned, on my own, that my card had actually been used by another household member, without my knowledge, I called in, withdrew the claim, and I am not sure why the Fraud department was still handling my account after the claim had been withdrawn. 

The decision to close my account for the 2nd time in the span of 2 weeks is completely unacceptable. I would have understood the decision to close the account once, but reopening the account, only to have it closed a week after by another person is just an organizational XXXX. 

I, hereby, request Chase to be courteous and reinstate the account, due to the error that occurred on their side for closing the account, then reopening the account by a supervisor, and then closing the account by another person, all in the span of 2 weeks. 

If Chase insists on closure of this account, and not fixing this error, please at least reimburse for the {$520.00} annual fee that was paid on XX/XX/XXXX, in order for me to be able to use this account for a full year, which I have been deprived of. 

Thank you for your time and consideration. 

XXXX XXXX
Product: Checking or savings account

I have contacted Citi Bank on several attempts to try to withdraw my money. A wire transfer was sent to my account to assist me in paying bills. After several attempts trying to connect my ATM card to XXXX of my other mobile apps to make transfers I was denied by the bank. I contacted the bank to let them know that it was not fraud that it was me trying to utilize my ATM card to my XXXX and my cash app. I then went to the ATM machine and was successful to make a few withdrawals but I still needed the rest of my funds in order to complete my bills. So I contacted Citi Bank again to inquire why I was unable to do so. I was informed on my first call that my account is on hold on my second call I was informed its in review on my third call I was informed my count was closed and in 30 days I would receive a letter I called back and inquired about the balance that remain in my account for {$3900.00} I was informed in 30 to 60 days I would get a check and a letter. I called again because I did not receive a check or a letter and I was hung up on. I finally made a call after 63 days and I was inform that I will not be getting the balance that was left in my account of {$3900.00} and no letter was sent.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX who has reported inaccurate and misleading information on my credit report, violating federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Here is a detailed account of the issue : Loan Origination : I originally obtained an auto loan for {$9600.00} in XX/XX/XXXX with Account Number XXXX XXXX  XXXX  Financial Vehicle Return : In XX/XX/XXXX, I returned the vehicle to the lender and expected the loan balance to be adjusted accordingly, given the resale of the vehicle. 

Initial Balance Update : After returning the vehicle, XXXX XXXX updated the loan balance on my credit report to {$5000.00}, assuming the loan was properly adjusted to reflect the resale value. 

Disputed Balance : In XX/XX/XXXX, XXXX and XXXX of XXXX, I disputed the balance of the loan with the credit reporting agency, as I noticed discrepancies with the reported amount. To my shock and dismay, XXXX  XXXX responded by increasing the balance to $ XXXX balance that is both incorrect and inflated. 

Violation of Federal Laws : This action clearly violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the reported amount is inaccurate, misleading, and without justification. The increase in balance directly contradicts the documented events of the loan and resale, and it has had a detrimental effect on my credit score and financial standing. 

The actions of XXXX XXXXl are wholly inappropriate and, frankly, illegal. I demand that the CFPB investigate this matter immediately and take appropriate actions to ensure that my credit report is corrected and that this company is held accountable for its misleading and unlawful conduct. 

To resolve this matter, I am requesting the following : Immediate correction of my credit report to accurately reflect the loan balance after the vehicle return and resale. 
Investigation into the actions of XXXX XXXX specifically the wrongful increase of the balance. 
Removal of any negative impact on my credit report caused by these inaccurate reporting actions. 
Appropriate penalties for the violation of federal laws under the FDCPA and FCRA. 
I have attached documentation supporting my claims, including my original loan agreement, return receipt, and correspondence regarding the dispute. 

I expect your prompt attention to this matter and look forward to a timely resolution. Should you need any additional information or documentation from me, please do not hesitate to reach out.
Product: Credit card

XX/XX/24 hello yes my wellsfrago visa debt card was at XXXX from XXXX anout XXXX all the charges were XXXX i know about the XXXX rule but all charge made from XXXX should be retruned wells says visa denied this. looks like bank would be flged i needing help get some moine back
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the XXXX XXXX  XXXX XXXX . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the XXXX  XXXX XXXX XXXX pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of XXXX  XXXX XXXX for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW process.
Product: Vehicle loan or lease

On XX/XX/2021 my car was repossessed from my residence without proper notification. According to the bank we are late XXXX months on our payment. I know for a fact that I paid for XXXX and half of XXXX. I did not receive any letters in the mail nor did I receive any phone calls or voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been in contact with XXXX XXXX for months trying to resolve this issue. 

It started with them denying me credit despite my good standing with their company. Also, they've canceled orders without cause. And, currently the situation has escalated to them now refusing to report my solid credit history to the credit bureaus despite them advertising this on their website ( s ) AND repeatedly telling me in writing and verbally that not only would they but that it is part of their business model that they willingly adopted. Still, several months have passed without them reporting my good credit history. Equally infuriating is that if my credit was poor then they'd been efficient about reporting it to the credit bureaus. A lot of time has been lost because of their intentional negligence and as such there's been direct negative impact to my credit score/history. 

My correspondence with XXXX XXXX has been with multiple representatives via email and phone.
Product: Credit card

Bank of America charged me an unauthorized/hidden/illicit fee of {$320.00}, and even many branch managers at Bank of America empathized with me that consumers are being mistreated, and I am being charged this fee of {$320.00} illicitly on XX/XX/2023. 

Furthermore, particular associates in Bank of America, such as XXXX XXXX and XXXX XXXX, said they were only directed to convey information, even if there was misinformation and disinformation, since they were doing their jobs at Bank of America. Consumers know that they are afraid of losing their jobs and doing the right thing since it was directed by unknown individuals at Bank of America to carry out these illicit/hidden fees to hoodwink consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the fair credit reporting XXXX XXXX AT XXXX XXXX HAS VIOLATED MY PRIVACY RIGHT AND IS REPORTING INCORRECT INFORMATION ON MY EXPERIAN RENTAL BUREAU ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft and have previously made reports to my local police, FTC, XXXX Experian, XXXX and XXXX on XX/XX/2019. I have placed Fraud Alerts and Credit Freezes on my reports in the past, but my credit file has continued to be breached.