23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Unemployed XXXX/XXXX/15. Contacted Wells Fargo. Worked with XXXX XXXX and started a program for modification while unemployed. XXXX was promoted. XXXX XXXX was assigned as my " contact '' as my Home Preservation Specialist. Late XXXX I received a packet that I filled out with XXXX, dated XXXX, and to be completed by early XXXX. I called and XXXX said it was to continue beyond XXXX XXXX. Told to hang on to it and send it in later. But I need to follow written instructions when dealing with a mortgage. Early XXXX, XXXX voicemail said out but never changed for over two weeks. I left XXXX urgent messages, but no one followed up. I was put in contact with her supervisor XXXX XXXX. She said XXXX had been there every day and not sure why no update to voicemail since XXXX XXXX and no return calls. She scheduled a call. XXXX called at scheduled time. Told me that the XXXX packet was now outdated and I had to fill it out AGAIN!. I did and emailed it to her. A week later, XXXX calls XXXX minutes after the scheduled time ( I thought she had forgotten ) telling me she has XXXX pay stub ( yet both are on the same email ) and nothing else, clearly a lie. The emails from XXXX states she never received any documents. I emailed AGAIN ( forwarding the prior weeks emails ) and cc 'd her supv. Suddenly XXXX acknowledges and then a list of new requirements. I complied and emailed back. I have had no further communication from my " contact '' or her supervisor after several messages have been left and emails requesting follow up. I received a call from a XXXX XXXX to call XXXX XXXX. I have left several messages, and no return calls. Yesterday I was returning from an interview in XXXX ( a XXXX XXXX XXXX through mountains and long terrain ), I told " XXXX '' ( no last name??? ) that I could n't talk when driving XXXX. Please send me an email so I have his name and phone number contact and I would call him tomorrow. Still no email. I have no idea who XXXX is or how to contact him. The communication is absent and the follow through is severely lacking. I need XXXX person who understands how to call back, change their voicemail, check their email for necessary documents.
Product: Debt collection

Company keeps calling multiple times while I'm at work back to back. For example today I had 3 calls all at XXXX XXXX  while I was in a meeting. The voicemail left was from a robot not stating why they were calling. I only found out who they were because I XXXX  what XXXX  was. XXXX and my phone carrier both flag the number that is calling as spam, so I'm not even sure if it's actually XXXX  calling.
Product: Student loan

On XXXX XXXX  ( payment full processed XX/XX/year> ), I made a payment toward the interest on my student loans in the amount of {$1000.00}. I have checked every month, and there is no evidence in my MOHELA payment history that shows I paid {$1000.00}, it only shows {$54.00}. But the money was taken out of my account and I have bank statements to show. When I called to ask that they either update my payment history or refund my money, they never complied.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy. - 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. - 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting or other personal consumer reports

As this inaccurate information is affecting my credit report, I kindly request that it be corrected in accordance with the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report.
Product: Debt collection

I recently received a copy of my XXXX consumer report and I noticed a third party collection agency listed on my consumer report. this company is in clear violation of the law. Pursuant 15 U.S. Code 1692c
Product: Student loan

I received a student loan discharge as a settlement of the Sweet v Cardona lawsuit and PSLF. Mohela and Dept. Education both sent letters confirming my loans were discharged and paid in full. Today, Mohela sent me a statement for {$7600.00}, with a monthly payment of {$480.00} due in two weeks. Mohela stated the loan was disbursed in XXXX. I haven't been in school since XXXX. Also, Student Aid is currently reporting a {$0.00} balance. Mohela 's customer service is horrible. You're waiting on a representative for hours.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Capital One, XXXX, XXXX Accounts, I disputed with the XXXX, XXXX XXXX and XXXX and they never fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$240.00}, the amount they gave me to settle the Victoria Secret account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 student loans reporting in my credit report with inconsistencies and I have requested all 3 credit bureaus to correct this information and they keep coming back with the information is verified.

The account numbers for my student loans are not reporting correctly. the late dates that are reporting is misleading and not reporting accurately I have attached a print out of my credit report and circled what is inaccurate and what I have been disputing for the past 3 months with the credit bureaus.

I have requested from XXXX for VOD and they have not responded to me.
Product: Mortgage

In XX/XX/XXXX I was granted a mortgage modification by XXXX XXXX XXXX XXXX. After multiple transfers ( none of which followed the mortgage modification ) my mortgage is currently being serviced by Shellpoint ( current mortgage service company ). In XX/XX/XXXX the mortgage was transferred to Shellpoint. As with the previous servicing companies I was overcharged on a monthly basis, not within the mortgage modification. I am currently in arrears on my mortgage. When Shellpoint corrects their error I won't be in arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the inaccurate reporting status on an individual closed XXXX XXXX account, which is adversely affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off or Written Off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misrepresenting my credit history and causing harm to my creditworthiness. I want to emphasize that the closed account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is essential for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of this closed individual XXXX XXXX account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off.I do appreciate your attention to this matter and look forward to a timely resolution. If you require any further information or clarification, please feel free to contact me. 
Thank you for your prompt action in resolving this dispute.
Product: Credit card

30 days past.response not received. 
Please removed hard inquires my credit file. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concern and submit a complaint to ALLY FINANCIAL regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a XXXX  credit reporting agency, ALLY FINANCIAL will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Mortgage

My name is XXXX XXXX XXXX, and I have three ( 3 ) mortgages on my property. I am current with the first mortgage, but I had to take a job making less money and I could no longer afford the 2nd and 3rd mortgage. I am in the process of selling the home as I am now struggling to pay the first mortgage. I have an offer that will pay the first mortgage in full and the second mortgage has consented to take $ XXXX, the third mortgage which has been charged off since XXXX and is now in the recovery department wants $ XXXX when on XXXX XXXX, XXXX my short sale representative spoke to XXXX XXXX w/ Regions Bank and he stated that he can make {$7800.00} work. I can not believe that these people will push me into a foreclosure situation. I could file bankruptcy and get rid of them all together, but I do have a sense of honor and I need to pay them something. The bank will not allow me to pay them $ XXXX simply because they are in 3rd position and this is a HELOC. The senior lien holder will not allow me to pay the junior lien holder more than $ 9K and they are both with XXXX. Please HELP. This lender is being unreasonable and they are trying to force me into foreclosure or bankruptcy.
Product: Credit card or prepaid card

Chase.com allowed me to set up an online payment. 

It allowed me to enter a savings account at my credit union. 

Around XX/XX/2021 I did a sample payment of {$2.00} to see if it worked. I was given a tentative credit for the {$2.00} payment. 

The {$2.00} never cleared my credit union. I paid my balance another way and added {$2.00} more to cover the sample charge that failed. On XX/XX/2021 Chase logged it as a returned payment. 

On XX/XX/2021 Chase Sapphire, then charged me {$28.00} as a failed payment fee. They say it will be removed, but if it is not, Chase will charge me late fees for not paying the {$28.00} balance by XX/XX/XXXX. 

I have XXXX issues : XXXX. The online payment system should arrange a test so I don't have to test. 
XXXX. The failed payment fee is an automatic charge that is probably imposed unfairly in many instances. It is also onerous in my case, a {$2.00} test payment had a {$28.00} fee imposed. 
XXXX. The automatic charge system then compounds the problems with late payment fees if the unfair charge is not paid by the monthly due date.
Product: Debt collection

XXXX XXXX, 2016 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.
Product: Debt collection

In XXXX of XXXX, i have purchased an existing business where we needed new equipment, we applied for equipment loan we got approved for XXXX but we only purchased for XXXX, the company who leased and or financed the equipment they drafted a lease based on XXXX but we never completed the purchase of equipment equivalent to XXXX but only for XXXX since then we asked them to revise the lease and correct and amend they never did today they tell us that my loan is XXXX and i signed the lease for that amount they did not revise amend from day one we start getting threats, harassments non stop calls, i can't seem to get these fraudulent act resolved and when i researched about them seems like almost every customer is facing the same fraudulent act
Product: Checking or savings account

Wells Fargo closed all my accounts, savings and checking, leaving me stranded with NO FUNDS for myself or to feed my family. Wells Fargo admitted they messed up, but its not a priority and I have no money!!!
Product: Debt collection

This Company is in violation of multiple FDCPA laws. I have notified this company more than 45 days ago with a validation of debt letter. I sent a cease and desist letter to this company. I demand that this company cease all forms of communication with me through any and all mediums.
Product: Credit reporting or other personal consumer reports

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 

I am extending XXXX final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 

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

This communication serves as a follow-up to my previous complaint dated XX/XX/XXXX, concerning identity theft. As a victim, I am reiterating my request for the removal of specific items from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that these items be removed no later than four business days after the receipt of this correspondence. This matter, previously addressed in my initial complaint, is being reexamined here, accompanied by my new FTC report # XXXX. The items identified for removal from each bureau are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . FCRA Section 605b stipulates that Credit Reporting Agencies are obligated to remove any items listed on an identity theft report.
Product: Bank account or service

I signed up for a Citigold checking account in XXXX 2015 due to a promotion I saw advertised to earn XXXX bonus Thank You points. According to the terms of the promotion, I needed to open a new Citigold checking account and make two bill payments in two separate months. I called the Citigold service number to confirm that the promotion was valid and that I was eligible to sign up. I was verbally assured that I was. I made two bill payments in XX/XX/XXXX and two XX/XX/XXXX. I then called to confirm that the promotion was successfully attached to my account and that I had met the terms. The agent said that the promotion was successfully attached, but that I should also be sure to make bill payments in XX/XX/XXXX, since the XX/XX/XXXX payments happened at the end of the month and might count for XXXX. I did make payments in XX/XX/XXXX and then call to confirm that I had met the terms of the promotion. I was told that I had and that the points should be posting shortly. I called again in XX/XX/XXXX. At that time, I was told that I had met the requirements XX/XX/XXXX, but that it could take up to 90 days to receive the points. I called again toward the end of XX/XX/XXXX and was assured that the points would be posting shortly as we were at the end of the XXXX window. When the points did not post, I called in XXXX and spoke to the same agent I spoke to in XX/XX/XXXX. He assured me that the points should be posting and that he would open an investigation as to why they had not posted. I later received an email stating that this was a targeted promotion, and that I had not been targeted. I called, but the agent I was forwarded to said there was nothing I could do. Oddly, this agent then asked if I had any immediate family members who had been targeted. I did not know at the time, but I recently learned that my mother receives this offer almost every time she logs into her Citibank account. Nevertheless, I feel that I was not given the points I was promised as part of this promotion.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax regarding inaccurate information present on my credit report. As of this date, I have not received a response from Equifax. I am writing to provide the details of the inaccuracies and the necessary corrections that need to be made : Incorrect Reporting for XXXX : Date Opened : XX/XX/XXXX Reported Balance : {$14000.00} I dispute the reported balance of {$14000.00} for the XXXX account, as I recall the amount being lower. Additionally, I request that the information regarding the XXXX XXXX amount be removed, as this account is closed and charged-off. Given the impact on my credit score, I request that you mark this account as disputed to prevent any further negative influence on my credit score. 


Inaccurate Information for XXXX XXXX : Date Opened : XX/XX/XXXX Reported Balance : {$1400.00} The information presented for the XXXX XXXX account requires investigation. I acknowledge the original creditor as XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX. The reported balance of {$1400.00} is inflated and inaccurate. I do not recognize this amount and believe I owe a lower sum. Due to these discrepancies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency.
Product: Debt collection

I noticed i had XXXX bills on my credit file that i have no contract with never applied for no service with them have no knowledge of these accts. XXXX is for {$350.00} and another for {$55.00} I told them that they have violated my rights by putting these derogatory items on my Credit did not give them my consent and this fraudulent information was put on without contacting me before placing these items on my reports.
Product: Checking or savings account

BMO ALTO Application denied for no reason Application denied for no reason on XX/XX/year>. Several phone calls an all they could say was to re-apply. Asked if they check credit and told they use XXXX XXXX which I have frozen. I unfroze and still denied. Ordered both XXXX XXXX and XXXX XXXX reports an no problems. Then they said could not verify my identity. Lived at the same address for over 50 years. They have no other option to verify my identity. I request that BMO ALTO give me a reason for the denial and provide an additional method of verifying my identity.