23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. XXXX the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the XXXX XXXX XXXX. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster XXXX program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Debt collection

I Called and Have Spoke with this Company who has been very rude to me and even hung up the phone They Claim i owe this Company Money for a cell phone which i do not and they will not provide me any proof
Product: Checking or savings account

Wells Fargo continuously declines on purchases I attempt with my debit card! Regardless of the fact that I submit the correct pin which is the security

measure! I have plenty in the account to cover the purchase, but they still decline! I am using the process of providing my card and pin, YET THEY ALWAYS DECLINE! They state it is for security purpose, but that is nonsense since the security requirement of card and pin had been met! It has been absolutely debilitating be stranded without fuel and other life destroying circumstance that they create not honoring my purchases that I am attempting with MY MONEY! They do it to illegally retain our money as asset base for their benefit. I have complained over 40 times to them a
bout stopping this felonious behavior. They have not and will not change this thievery! They seem to have some shield against being charged and prosecuted for this felony they

keep perpetrating on US citizens! I have complained here many times to no avail! Your response is sheltering them from these criminal charges, as well! Your lack of action makes you responsible for them continuing to perpetrate these crimes! Even though you receive thousands of complaints against them exactly in this nature! This means you are effectively assisting them to injure US citizens financially! Wells Fargo is a criminal institution, and YOU KNOW IT! DO something about it! Or, the FTC might as well not exist! It wouldn't be hard to have Congress cut your existence from the budget! Especially since you do nothing to protect citizens from
unlawful banking institutions!
Product: Credit card

Hello, I wish to re-open this complaint ( XXXX ) as my issue was not resolved. Just because Comenity says they are in compliance with the law, does not make it true, especially when I have evidence to show otherwise. The late fees and interest charges I questioned on my account are NOT valid, because I have receipts to show payment was made on time! Please see receipt from XX/XX/year> - they are STILL trying to say I didn't make a payment when I have the receipt! 

Please do not take Comenitys word for it, CFPB. They are running a very sketchy practice, as shown by the number of complaints about them online. It's amazing that Comenity is still in business. 

Furthermore, the most recent late payments are because I have not felt comfortable making payments while Comenity has such a horrible track record of not logging my payments! Who would willingly just throw money away like that? I shouldn't feel scared that if I make a payment, there is even a chance it won't get recorded and my money will be lost. Even when I have a receipt! What kind of business is this? I said in my last complaint that I wanted this resolved ( even if it requires CFPB stepping in ) before I feel comfortable making payments. 

CFPB, you need to step in here please, even the store managers at Express do not recommend their own credit cards anymore because dealing with Comenity is a nightmare. You can not trust Comenity to handle this on their own. You are meant to protect consumers, please help rectify this as soon as possible. 

I want all late fees removed from my account as a gesture of goodwill ( never mind the fact that they werent legitimate fees to begin with ) for dealing with this mess. I have always made my payments on time and this just isnt fair. I would just like to continue paying down this card so I dont have to deal with this anymore. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Intent to file lawsuit, no response for Validation documentation. 



XXXX - XXXX XXXX XXXX XXXX  XXXX This account does not belong to me and was previously deleted from my equifax report and was reinserted without required written notification from equifax. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me and was previously deleted from my equifax report and was reinserted without required written notification from equifax. 


Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

I was contacted repeatedly by Portfolio Recovery Associates. They continued to threaten me about my credit, even after I told them to verify the debt. I continued to receive calls and it caused stress on my end. I really did not know what to do. This was back in 2018 and I thought it was legal what they were doing so I never complained. The times they reached out to me were XX/XX/2018, XX/XX/2018, & XX/XX/2018. I continued to try to get more information but I was met with bad attitudes and more threats. The issue was eventually taken care of because I felt like I was forced to pay them.
Product: Mortgage

In XX/XX/2020 I applied for and submitted all required financial documents for a new {$100000.00} JP Morgan Chase Bank, N.A. HELOC to full pay an old JP Morgan Chase Bank, N.A. HELOC. 

In XX/XX/2020 I was denied the new {$100000.00} JP Morgan Chase Bank, N.A. HELOC solely on credit agency ( s ) information.

I discussed this matter with a JP Morgan Chase Bank, N.A. HELOC Originator and was told that J P Morgan Chase Bank, N.A. HELOC Department do not have and Appeal Process and that I can not discuss this matter with the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter. I was told that the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter will contact me within seven ( 7 ) days to discuss this matter further.

To date, the JP Morgan Chase Bank, N.A. HELOC Loan Underwriter has not called me to discuss this matter or requested any additional records or documents. 

The JP Morgan Chase Bank, Loan Underwriter made the denial decision based " SOLELY '' on my current debt to income ratio as currently reported by a credit agency.

The JP Morgan Chase Bank, N.A. HELOC Loan Underwriter did not consider my projected debt to income ratio based on the new JP Morgan Chase Bank HELOC full paying in old JP Morgan Chase Bank, N.A. HELOC and other unsecured debts.

As such, I am being penalized by being locked in an old JP Morgan Chase Bank, N.A. HELOC, JP Morgan Chase Bank will not reduce my monthly payment based on the remaining balance owed and I must pay a high monthly payment and I am paying higher than today 's rates interest rates.
Product: Mortgage

I have had a Home Equity Line of Credit with Pentagon Federal Credit Union ( PenFed ) for several years. I paid fees to establish this HELOC and have never borrowed against this HELOC. I received a monthly statement for the period ended XX/XX/ by US Mail within the last 5 days. This statement showed a fee of {$99.00} which was charged to my account on XX/XX/ and described as ELOC Annual Fee. My account has never been charged with this fee previously, and there was no advance written communication provided by the credit union that this fee would be charged. 

I contacted the credit union by phone on XX/XX/ and respectfully asked to have the fee waived and to then close the account, as I have never utilized the account, and never will, due to the current exorbitant interest rate of 9.00 %. I was told by PenFed that they would not waive the fee which had never been charged before and was charged to my account without notice. I asked the supervisor with whom I spoke to appeal this decision with a higher level of management and she rejected my request. I was told that the loan agreement allows PenFed to start charging a fee. A separate but related issue is that at closing I was promised I would receive a copy of the loan agreement, which PenFed never provided to me despite repeated requests. 

I have deep 'buyer 's remorse ' at ever choosing to do business with PenFed. They are long on marketing and short on delivery and customer satisfaction, and now they are taking 'money for nothing ' from me, which is shameful.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the recent information provided regarding the payment made on concerning the debt allegedly owed to XXXX XXXX. This payment was made on time, and I possess evidence supporting this claim. 
According to my rights under 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that such form would create the false belief in a consumer that a person other than the creditor is participating in the colection or attempt to collect a debt.

I request verification of the payment and urge you to review the evidence provided. It is imperative to rectify any inaccuracies promptly to avoid any further confusion or legal complications.

Please provide detailed documentation verifying the receipt and processing of the payment in question. This should include the date of receipt, the method of payment, and confirmation that it was applied to my account in a timely manner. Aditionally, I request that any eroneous information regarding the payment be promptly corrected on my account and in any communications with credit reporting agencies.

I expect a prompt response to this dispute within 15 days, in accordance with the timeframe stipulated by the Fair Debt Collection Practices Act. Failure to provide adequate verification or to rectify any inaccuracies may result in further legal action.
Product: Money transfer, virtual currency, or money service

I was provided an ETH and BTC claim code from XXXX to use at either VENMO or Paypal. 

When I tried to use the codes at VENMO there is an error and it will not let me use these claim codes. 

I contacted support multiple times. They have told me it's an issue on their end but have not provided me any updates on a resolution. They tell me to keep trying to use the claim codes. 

When I attempt to use the claim code inside the VENMO app on XXXX, it displays a screen which states " Documents in review. We'll review it within a day. '' It has been 2 weeks and this issue has not been solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to credit bureaus that I illegally owe XXXX XXXX XXXX Acct # XXXX. I disputed the accuracy of this account and told them that it is incorrectly reporting. Furthermore, asking them to provide proof by verification that this collection agency account belongs to me. All rights under FCRA 611 ( a ) ( 7 ) and FCRA 623 are invoked, thus demand for a complete description of methods used to investigate the dispute is required. The e-Oscar 2 digit code read out will not be acceptable. Unfortunate credit bureaus often use software that does not complete thorough investigations and does not qualify as verification according to law. As requested a complete list of all documents and correspondence with the original creditor, including, but not limited to : 1. All names and contact information of employees spoken to as part of the investigation ; and 2. Hard evidence that goes all the way back to the original creditor ; and 3. Information regarding the entire lifecycle of the loan ; and 4. Who originally wrote the loan ; and 5. The date of the loan ; and 6. Original contact information ; and 7. All letters and documents sent. 

If unable to perform an investigation or locate the necessary documents they are required by the FCRA to remove the information from the reports including complete removal of the account.
Product: Mortgage

I purchased my primary home in XX/XX/XXXX for XXXX, I was in a pre foreclosure status and asked for assistance with my home payments in XXXX. They said there was nothing they could do, but once I hit a 90 day late more options for help would become available to me. For months I would fill out information to receive a modification and they would not assist. I then had to go to several mediation hearings, and take my income documents, etc. the same information I was mailing in. This went on for about 18 months, stressed and caused mental anguish. My income was high enough for me to go into a repayment plan or modification, but they kept denying all plans. I believe I was affected by miscalculations in their systems. My property was sold at sheriffs sale for XXXX at the end of XXXX. The home was valued at XXXX ( and has recently sold for XXXX ). I have lost a tremendous amount of equity due to the foreclosure. I was initially XXXX payments behind due to illness ; and just need help with a repayment plan. I have tried to contact them to see when and how much I will be awarded, and they last stated my loan can not be located, per my last call on XX/XX/XXXXXXXX XXXX
Product: Mortgage

XX/XX/2022, I spoke to a Mr. Cooper representative ( XXXX ) to discuss my loan modification. I received my loan mod in the mail, scheduled a notary through Mr. Cooper. From XX/XX/XXXX to XX/XX/2022, I have had at least 8 notary public to notarize my documents. Two times I got my own. Mr. Cooper would send another mod package without personally informing me that my prior documents were rejected. After dealing with this several times I figured out if I receive another package, it's because something was not completed correctly. I called Mr. Cooper and ask questions. When I did the reps would seem clueless. Some have put me on hold to ask another rep a question about my account. There were some who read the wrong info and I would direct them to what to look at. Mr. Cooper communication skills with the customers and employees needs improvement. Attempting to get my documents notarize has been confusing and frustrating. when I feel confident my documents will get " approved '' they're " denied. '' XXXX XXXX XXXX sent me an email and said to call anytime I encounter a problem. I did. Out of all the representatives since I began my loan modification, he is the only one who gave me some new info to include. That moment was mind boggling. Still, they got denied. I could go on and on, but it would be a repeat of the lack of assistance I receive. The reps were not knowledgeable but had me to trust what they were saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX 15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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 in information is inaccurate.
Product: Credit card or prepaid card

Bank of America close my account without advance notice. I attempted to make a payment on XX/XX/XXXX, and was informed by customer service that my account had been closed. I wrote a letter onXX/XX/XXXX to their company, asking them to please reopen my account. I have not received a response.
Product: Debt collection

Scott & Associates is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. They have contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ) and violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Scott & Associatest to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*
Product: Checking or savings account

XX/XX/XXXX XXXX was taken out of account a XXXX transaction that was not authorized, through Bank of America. The transaction was done by XXXX logistical services have no idea who that
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information.

They did not do this!!!

Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activity is not accurate date reported is not accurate and even by the report company XXXX XXXX XXXX formally known as XXXX XXXX closed the account and showed " SATIFACTION OF DEED OF TRUST '' The account number is inaccurate that account was closed and the same account number is being use, a direct violation and against the law, inaccurate. This is grounds for account removal. 
The account is showing open XX/XX/2015, account type, " Mortgage '' same account number that was closed XXXX See attached court recorded document. This is grounds for immediate removal They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States, I have a Right to privacy 15 U.S.C. 1681 Section 604 A section 2 : States, It also states a consumer reporting agency can not furnish a account furnish a account without my written instructions. 

I did not give anyone written instructions. A direct violation