23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern/ I received my denial letter for my loan modification on XX/XX/2019 due to not enough income. When I first applied for a loan modification my XXXX XXXX XXXX application was pending. I was recently approved for my XXXX   XXXX XXXX week a ago. My new monthly amount is {$3400.00}. I was told by XXXX XXXX from the Loss Mitigation on XX/XX/19 that my modification was denied due to not having enough income and to many high credit card bills. And I would receive a denial letter in the mail shortly. On XX/XX/2019 I reached out to XXXX XXXX XXXX to consolidate my unsecure debt. XXXX XXXX from XXXX XXXX XXXX set me up on a payment plan enrolled me in the program effective immediately. I submitted my appeal via email to XX/XX/19 @ XXXX. I sent the company the paper work from the XXXX XXXX XXXX and my new income from state XXXX. I have been calling Loan Care and explaining to them I want to keep my place and that I will be on XXXX  XXXX for this rest of my life. It has been a struggle to pay my mortgage because I've been waiting for XXXX  XXXX XXXX to approve my case. I have never been late on my mortgage until I was place on XXXX. I called Loan Care and spoke to XXXX a customer service rep and told her I was waiting for my payment and didn't want to receive a 30 day late mark on my credit report. She told me the company does not report to the credit agencies until XXXX of each month. She said if you make your payment before XXXX the XXXX you will be fine. I said are you sure and she told me yes. I made my XXXX payment over the phone XX/XX/19 with a rep by the name of XXXX. I received a alert from credit report today XX/XX/19 that I was reported 30 days late. I called Loan care today and spoke to XXXX about my the late mark on my credit report. He placed me on hold and spoke to a supervisor and they told me that even-though the rep XXXX gave me the wrong information. I could try and dispute the late mark, but he said it isn't a guarantee they late mark will be removed. I told XXXX since all calls are recorded can they play the call back and verify I was given the wrong information. I have been giving wrong information from different customer service reps and treated poorly I believe because of my XXXX. I feel like Loan Care doesn't want to help me with my mortgage loan. They rather see me lose my house and not help me. I believe its because of my XXXX.
Product: Credit card

I purchased items from a store, and while the package was delivered, some items were missing. Since it was marked as delivered, the shipping company denied my claim. The merchant initially promised to refund me, but because I had already filed a claim with Chase, I had to cancel my request with the bank. 

The merchant then strung me along for months, repeatedly saying I would receive a refund. Their excuse was that they hadn't yet received a chargeback refund, so they couldn't process my refund. After waiting two months, I contacted my bank again, only to find out that I had missed the deadline to submit the required paperwork. 

Originally, I called Chase, and they instructed me to submit the documents online through their inbox. Later, they requested that I send the dispute via fax. Since I didnt own a fax machine or printer, I had to find a way to send it. Unfortunately, I was able to submit it only two days after the deadline, which resulted in my claim being denied. 

I have proof that the merchant lied to me about the refund, yet Chase is refusing to help. The merchant falsely claimed they had refunded me, but I never received any money for the missing items or the item I returned. Now, both the merchant and my bank are refusing to assist me.
Product: Money transfer, virtual currency, or money service

My financial institution and Zelle failed to investigate my claims adequately
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Chapter XXXX bankruptcy reported to credit report. XXXX  and XXXX  have removed the inaccurate information. Experian has taken longer than 30 days to remove the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$2100.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please take off anything negative on my credit report from 2010 and older. I want to try and clean up my credit.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Student loan

I filed for XXXX XXXX  bankruptcy XXXX  years ago. All of my loans were part of the bankruptcy but interest is still accruing and payments are still being expected. 

Now my loans are getting transferred all over the place when they should have not even existed at this point. 

This private loan was also taken out for XXXX tech which has been shut down for predatory business practices.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Subject : Request to Enforce Financing Transaction under HJR 192 and Relevant Legal Provisions To Whom It May Concern at XXXX XXXX, I recently received notification regarding the denial of my credit application for the financing of a XXXX XXXX XXXX. This letter serves to formally request the enforcement of the financing transaction based on the following legal grounds : 1. HJR 192 ( 1933 ) : Under this resolution, all debts and obligations are payable in legal tender of the United States. This provides individuals the right to discharge debt obligations with lawful money, thereby prohibiting the compulsion to pay in any specific form of currency. 
2. Uniform Commercial Code ( UCC ) : Specifically, UCC 1-207 and UCC 1-308 allow individuals to reserve their rights when performing under a contract without prejudice to those rights. By using my Social Security Number ( SSN ) in the credit application, the transaction involves a non-negotiable instrument, which compels XXXXXXXX XXXX to recognize and process the transaction under these terms. 
3. Code of Federal Regulations ( CFR ) 12 CFR 226.13 ( Regulation Z ) : This regulation outlines procedures for resolving disputes related to credit transactions, providing consumers with protections against erroneous credit decisions. 
4. Non-Discrimination : Basing the financing decision solely on my credit report constitutes discrimination. Under federal law, specifically the Equal Credit Opportunity Act ( ECOA ), I have the right to be evaluated on factors beyond just the credit report, especially when negative items are present. 

As such, I assert my right to have this financing transaction processed and approved. I reserve all rights and remedies available to me under the UCC and CFR. Furthermore, I demand the transaction be reconsidered in light of my rights under HJR 192 and the recognition of my SSN as part of a non-negotiable instrument. 

Attached Documentation : 1. Images of the denial letters indicating the credit scores and reasons for the decision. 

Please inform me of the necessary steps to proceed with the approval of this financing transaction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Bank account or service

TD bank branch representatives incorrectly characterized my IRA accounts as being funded with " rollovers '' instead of " direct rollover/direct transfer ''. In effect a XXXX was sent as a distribution and I suffered adverse tax consequences. In addition, XXXX XXXX (? ) the representative in the XXXX XXXX branch of XXXX, NJ did my paperwork incorrectly. I observed that she wrote my social security number on paperwork and left it in an unlocked desk drawer. XXXX XXXX took XXXX-120 minutes to complete the deposits, which she then called hours later to indicate were incomplete. Her message states that she needed additional signatures from me. I was not given a receipt, and she did not assist in correcting the character of the IRA funding source. My funding checks were left at the branch and I have no receipts or funds deposited although there is a 60 day limit to complete these transactions. When I called the branch this morning in response to her message requesting signatures, I spoke w/ her colleague XXXX who said she would look into the matter and return my call. Over two hours later, XXXX called me back and was verbally aggressive right off the bat demanding I come in to sign forms. She said she could not securely email forms to me, then she got angry when I asked to speak w/ the manager. She lied and said there was no manager on duty. When I asked for his name she told me XXXX XXXX then she was belligerent and asked me, " Yo, what 's your problem? '' I was astonished at this reaction, since I had not raised my voice or spoken tersely with XXXX. I asked her to put a manager on the phone and she hung up on me. XXXX failed to correctly explain the differences in rollover types, I believe she completed my applications incorrectly. In addition, my personal information was unsecure and I believe mishandled as she had various printouts and multiple branch employees assist with retrieving them from the printer. Finally, I was mishandled from a customer service aspect and I do n't want to do business with TD bank in effect. I am extremely concerned about the damages I suffered from my accounts being misapplied and am considering seeking recourse.
Product: Credit reporting or other personal consumer reports

The company ( XXXX ) claims that they contacted me about a debt I did not know I had. When I had last checked my page in XX/XX/2023, there was a form to fill out to request Federal Student Loan Forgiveness. After filling out the form, my balance due went to {$0.00} pending the application. 

In XX/XX/2023, I looked and my credit score had dropped XXXX points, saying I had a delinquent account with XXXX. I immediately checked and paid the balance. I then called to let them know I had never been contacted about the debt before seeing the mark on the credit score. I asked them to remove the negative credit mark and they refused. The said they had sent emails regarding the debt ( not true ) and called me which I was able to disprove with my XXXX call history. No missed calls or voicemails. 

Still in spite of this information that I was not contacted about the debt, they refused to remove the negative credit mark. I filed a dispute with Experian, who did not alter the score based on their investigation and did not give any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my account showing a balance owed from a company that was involved in a lawsuit where the company ended up sending me a check as a part of the class action lawsuit settlement. The account on my credit report is showing up under Lockhart, Morris and Montgomery. The original company/creditor is XXXX XXXX. XXXX XXXX was sued and ended up having to pay {>= $1,000,000}. I do not owe this company any money. The company sent me a check from the lawsuit. See the attachment to this complaint. I do not know why this company has this collection company reporting that I owe any money to them on my credit report. This is wrong. See the lawsuit notice/summary from the court that is attached. The lawyer 's contact information is listed on the notice from the court.
Product: Checking or savings account

I have not used my Robinhood investing account in a while. I open it up today, XX/XX/XXXX, to see that they have somehow given me a negative investing balance. There is no statement of the charge or explanation of where it came from, just says I owe them XXXX cents. I tried to close my account, but they will not let me unless I resolve the balance ( see attached screenshot ). 

This balance is fraudulent and I have no responsibility to pay it. Robinhood refuses to close the account unless I do. 

I suspect Robinhood is doing this on purpose so that they can keep accounts open. There has never been any fees and I did not agree to any, furthermore there are no fees or transactions listed in my statements, they literally just made up that I owe them XXXX cents. See the attached screenshot of my investing balance. I do not own any stocks, yet it is reporting a XXXX cent loss. How many others have they scammed this way by taking money off the top without anyone knowing?
Product: Payday loan, title loan, or personal loan

I took out 3-4 consecutive payday loans at Check Into Cash in XXXX XXXX . She says I owe her a payday loan amount from past after I stopped requesting more loans. It's not possible to owe from past cuz if I don't pay off owed money, I wouldn't have been able to continue borrowing. They keep trying to deduct automatic from my XXXX XXXX account {$300.00}. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong addresses on file. 
I've disputed this information several times. 
I have never lived here and this address does not even exist. 
This address was made up by some one. It is fraud. 

XXXX XXXX XXXX XXXX La XXXX
Product: Credit reporting or other personal consumer reports

RE : Notice of Intent to Arbitrate and Demand for Proof of Investigation and Deletion of Inaccurate Late Payments To Whom It May Concern : I am formally issuing this notice of action for arbitration due to the continued reporting of inaccurate late payments by Kikoff Lending on my XXXX and XXXX credit reports. Despite multiple disputes and requests for investigation, Kikoff has failed to provide a thorough response, including the method of investigation and sources used to verify these inaccuracies. As a data furnisher, Kikoff is bound by the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting and transparency in responding to disputes, as well as by other consumer protection laws enforced by the Consumer Financial Protection Bureau ( CFPB ). 
The accounts in question are as follows : Account Number : XXXX Account Number : XXXX o XXXX : Reporting 90 days late without active payment history, as well as a separate report with positive/current payment history, but a status of 90 days late, which is inaccurate. 
o XXXX : XXXX 60 days late, which is inaccurate. 
I have attached evidence showing these inaccuracies on my consumer reports. Despite my attempts to resolve these issues, Kikoff has merely stated that the accounts were verified without supplying any evidence or documentation of the sources and methods used in this verification. This lack of transparency violates the FCRAs requirements for accuracy, reinvestigation, and reporting obligations under XXXX. 

To resolve this matter without arbitration, I demand that Kikoff : XXXX. Provide XXXX XXXX : Disclose the specific sources of information used to verify these accounts, including any third-party entities contacted during this process. 
XXXX. Correct or Delete XXXX Accounts : Remove the inaccurate entries or update them to XXXX on XXXX if you can not substantiate the late payment claims within XXXX days from receipt of this notice. 
Under the FCRA, both willful and negligent non-compliance can result in liability for damages under 15 U.S.C. 1681n and 1681o. Non-compliance carries potential statutory damages of {$100.00} to {$1000.00} per violation, plus attorney fees and punitive damages. 
If this matter can not be resolved promptly, please be advised of the following potential costs associated with arbitration : Arbitration Filing Fees : {$2000.00} Legal Fees : {$5000.00} Administrative Costs : {$2000.00} Time and Effort Compensation : {$3000.00} Credit Denials : {$20000.00} Total Potential Costs : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX/XXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid this account.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX - Opened on XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

They started garnishing my wages without sending me anything at all and they have the wrong information for me it has me at XXXX XXXX XXXX I havent lived there in over 10 years
Product: Checking or savings account

I am unemployed in Indiana and receiving employment benefits by the state that are auto deposited into Key Bank. Key bank and the employment division had issued me a debit card where I was able to access my benefits each week on Mondays. I have been receiving these benefits for about three months in this manner. Today I went to the Key Bank ATM at XXXX XXXX XXXX in XXXX Indiana to withdrawal my benefits. The ATM machine had some kind of mechanical issue and during the transaction put a message on the screen that " this machine is being serviced at this time. You can use your ATM card at any participating Key Bank location ... '' and the machine tried to return my card. It made some strange noises from the card slot like it was trying to eject it but it never came out. 

I went inside to explain that the atm had some type of problem and did not return my card. I asked the teller to return my card to me so that I could withdrawal my funds from the account. He told me since it was a state employment card and not a key bank atm card that he could not return it. I asked him to then let me finish my benefits withdrawal and he would not do it. I asked him several times to give me my money and he told me to leave. 

I called corporate office at XXXX and spoke to XXXX XXXX part of the " white glove '' team for customer service. I explained the situation and that it was theft that the bank has refused to allow me to withdrawal my money from their bank. They told me they were going to investigate it and get back to me asap. 

I am unemployed and so is my wife. I have XXXX kids at home and we depend on that very small amount of money each week to feed our kids. At this time I do not know how or when I will receive my money or if I will ever. I called the bank manager again at the branch were this happened and he told us that he destroyed the card and that I would have to order another one. Because this card comes from the employment office and not directly from the Bank, it may take weeks for me to receive a new card just to be able to withdrawal my weekly benefits. 

I am outraged that a financial institution that has been entrusted with the money of the State of Indiana that is allocated to unemployed beneficiaries for those funds and they have chosen to withhold my benefits without cause or any due process. This equals theft of my money which is also governmental funds.

Key bank needs to be investigated and this privilege for Key bank to be able to manage these funds needs to be revoked since they can not be trusted to take care of the many thousands of citizens that are struggling due to Covid-19. This overt act of theft is criminal and needs to be prosecuted. 

I would like CFPB to investigate this to find out if other people are experiencing these activities and to get my benefits paid to me immediately.
Product: Debt collection

I received a letter from an office for collection addressed as XXXX XXXX XXXX XXXX. The letter was dated as XXXX XX/XX/2020. I sent a letter to the office of collection disputing the validity of the debt on or about XXXX XX/XX/2020. On or about XXXX XX/XX/2020, I received another letter from a different office for collection addressed as XXXX for the same debt that was addressed in the collection letter from XXXX XXXX. The second letter was dated as XXXX XX/XX/2020.