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

On XXXX XXXX, XXXX at XXXX, I tried to purchase a movie ticket using my debit card but the purchase did not go through. I went ahead to check my account through the app on my phone to see what was wrong and if I was being charged either way, instead there was a message from Wells Fargo telling me that my account was frozen and in the process of being closed and the only reason I was given was that this was a business decision ; I was also told that the funds in my account totaling {$2700.00} was going to be held on to and may or may not be released by XXXX XXXX, XXXX. I found this really confusing so I headed to a nearby branch to clarify things but I still could not get an clear reason behind this occurrence or what exactly the business decision excuse meant ; there were claims of fraudulent activities on my account with no evidence to support the claims. I returned to the bank the next day XXXX XXXX, XXXX at XXXX to see if I could somehow gain access to my money because I was so confused at to what to do because Wells Fargo literally put my life on hold because of a business decision?! I got to speak to a someone there regarding my situation and demanded printouts of the last six monthly statements, I also spoke again with the person I met yesterday but I still could not get a clear answer and still was not allowed access to my funds. I was being treated like a criminal and I did not know why. They both suggested I get on the phone with their loss prevention customer service department and the first person I spoke to kept taking me around in circles. I asked why I couldnt get access to my money and I was told there was a hold on my account ; asked why there was a hold on my account and I was told that the bank was ending their relationship with my because it was no longer mutually beneficial ; I asked for specifics and I was told the bank had made a business decision to close my account ; I said that was fine but can I get my money, I was told no because I had a hold on my account and I was put through this frustrating circle over and over till I asked to be transferred to someone who could give me answers. Whoever I was transferred to gave me the same routine answers until whoever I was talking to eventually hung up on me for trying to get answers. Wells Fargo has put me in a really tight position as I have no way pay my bills or do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has not removed late payments as agreed through XXXX letter.
Product: Mortgage

Describe what happened so we can understand the issue ... 
I submitted this complaint once already but missed the cutoff to dispute so I am re-submitting it. 
In XXXX of XXXX I was granted a modification from Ocwen. When I made my XXXX trial payment it was held in a suspense account along with the other XXXX payments and {$100000.00} from Keep Your Home California. This money was not dispersed until XXXX XXXX. 
This is about Conventional adjustable mortgage ( ARM )
Product: Mortgage

SLS refused to accept the HUD modification-assisted program. 
SLS refused to give me an affordable modification SLS threaten foreclosure as it's now in a Pre-foreclosure status SLS is very abusive and unprofessional by phone SLS refused to communicate or correspond by email SLS is the servicer of our HELOC and XXXX XXXX XXXX XXXX is the current creditor. 
XXXX XXXX ( account manager ID XXXX ) told me, if I needed a modification, I would need to go through the HUD government program for assistance. 
HUD submitted a full modification package with the documents I provided. BUT the account manager, XXXX XXXX REFUSED to accept HUDs authority and do a modification. She insisted that if I want to save my home, I will have to accept the terms of the investor ( XXXX XXXX XXXX XXXX ) or they will foreclose on my home. 
I have spoken to many representatives in the SLS ( Resolution Department ) but most representatives were very harsh and unprofessional. 
One representative said, BY LAW THEY HAVE TO TELL ME TO GO TO HUD FOR ASSISTANCE, BUT SLS DO NOT HAVE TO FOLLOW OR ACCEPT HUD MODIFICATION PROGRAM. SO THEY WILL FORECLOSE ON MY HOME IF I CAN NOT ACCEPT THEIR TERMS. Their demands are {$80000.00} cash upfront and a very high-interest rate on the balance ( payment to {$1200.00} for a short 3 years term and increased to {$2000.00} until XXXX ). Our 1st mortgage payment is {$4300.00} not to mention the increased property tax and insurance yearly. 
XXXX is very unreasonable and harsh with me because I file complaints to the CFPB concerning their MISCONDUCTS AND PREDATORY COLLECTING PROGRAM. THEY ARE FORCING XXXX OUT OF OUR HOME or INTO BANKRUPTCY WE JUST WANT AN AFFORDABLE PAYMENT PLAN WITH A LOW-INTEREST RATE. We can not afford any CASH upfront as we used up our savings to keep up with the first mortgage and cost of living during the COVID XXXX LOCKDOWN. 
List of SLS of some of the representatives I have spoken to, trying to get an affordable payment plan but with no avail XXXX XXXX many times until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate By the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out loans from XXXX XXXX XXXX XXXX XXXX and Direct Student Loans which total a little over {$13000.00} ( Thirteen thousand ) Dollars. This loan has since ended up with XXXX. I contacted XXXX XXXX and was told that they submitted a much smaller number to XXXX nowhere near the huge amount they are saying I owe. For years although I have made payments, my balance has increased to a now balance of over {$160000.00} ( One Hundred Sixty thousand Dollars. I have disputed this with the bureaus but they keep coming back saying I owe this amount. My report lists a disbursement date and an incorrect principal amount. While going through the dispute process, the people at XXXX have not been able to explain why the amount is inflated, but it appears that a huge interest amount was added to my account of over {$43000.00} ( Forty-three thousand Dollars ). after beginning my dispute process. Experian explained that they use the E-Oscar electronic system to verify my information. I explained to XXXX that I was a victim of Identity theft back in 1999 and had to go about correcting my credit report because of fraudulent activity, It did not occur to me to file a Police Report. At the time I lived in Wisconsin and had relocated to Illinois, I left items in my former residence that contained by social security number and neighbors that had moved in from XXXX XXXX Louisianna stole my information. So if there are any loans taken out from 1999 and beyond they do not belong to me. This has been extremely stressful to me, I have tried for years to resolve this but have been unsuccessful, all the while being unable to purchase a home, unable to obtain housing at certain times, denied loans personal or business and experiencing a low credit score because of my debt to income ratio. It hasn't mattered how much money I earn or the fact that I have nothing in collections or the fact that I have had an exceptional payment history for quite some time. Please look into this matter for me, I was told by Experian that they get their information from creditors and they have to report whatever the creditors submit, so even if I disagree with what the creditor submits or if it is incorrect, me sending documentation to them is useless if the creditors refuse to correct it. this is very unfair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, XXXX and they completed the request on XXXX XXXX, XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit inquiry dated XX/XX/2021 in an attempt to get credit in my name.
Product: Prepaid card

I had XXXX transactions of fraud on my account and XXXX XXXX XXXX is not doing anything. I didn't authorize for my account to be taken from another account. This is through the XXXX debit card through XXXX. 

Monies still owed XX/XX/year> for {$XXXX} XX/XX/year> for {$XXXX} XX/XX/year> for {$XXXX0} XXXX XXXX XXXX XXXX not tell me who signed up for my account and they have refused to refund me the stolen money. I thought our money is issured.
Product: Credit reporting, credit repair services, or other personal consumer reports

CreditKarma keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted XXXX repeatedly as I was told that this is the only place they could have attained this information from. XXXX stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.
Product: Debt collection

I am writing to file a formal complaint regarding the inaccurate reporting of late accounts on my credit report. It has come to my attention that there are multiple instances of late payments listed that are not reflective of my payment history and are in violation of the Fair Credit Reporting Act. Upon contacting the banks, I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the cfpb.It is imperative that these inaccuracies be rectified promptly to ensure compliance with the law and to uphold the integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX I talked to Beyond Finance. They told me they were going to lower my debts, and work diligently to get them reduced. I made my first payment of {$100.00} on XX/XX/XXXX and every XXXX weeks after that until XX/XX/XXXX. On XX/XX/XXXX they came to me with a settlement of a debt that had increased by more than double since I in rolled in their program and I had not touched the card. Their settlement was a {$42.00} savings over what I wouldve paid if I hadnt contacted them. They said most deaths are reduced by half. After increasing my debt, the settlement they came to was half of the new amount they drove up. They only work on one debt at a time that to me is not working to reduce my debts it is working to reduce a debt. I had a hard time paying off my debt before they did this now I have to file bankruptcy to get out of the hole they continue to dig me into.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX  ; Experian and XXXX  credit bureaus. I recently have filed several complaints against each of the referenced credit reporting bureaus. 
Each of the agencies is dismissive and claim they will not conduct subsequent investigations even though they have not conducted a reasonable investigation from the start. In each of the cases in which I have alleged fraudulent activity on credit cards, I provided both local and federal law enforcement reports, provided a federal report of a privacy and data breach, and finally that my information was being farmed on the dark web. Each of the credit bureaus, XXXX and XXXX XXXX XXXX XXXX have failed in their duty to me and to others. If CFPB fails as well, there will be no doubt the financial, credit and regulatory organizations are in one accord to defraud the nation.
Product: Credit reporting or other personal consumer reports

A Dispute was filed on XX/XX/XXXX and XX/XX/XXXX with Experian to remove late payments from XXXX account. I disputed the late payments and experian did not follow through in deleting these late charges but instead changed it my late payment from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Experian did not validate these late charges. Just updated with this information. They followed up with dispute saying the information is accurate and contacted bridgecrest. However, I never received any information validating these late payments. I would like them to be removed from my credit profile as it is hindering me from qualifying for credit cards and mortgages.
Product: Checking or savings account

I have capital one 360 checking account and I never used my debit cards. In addition the debit cards are locked in safe box, it has no way for other people to steal my debit car numbers and security code. But in XX/XX/ around XXXX XXXX New York time my debit card was charged twice by XXXX for {$19.00} each. 

I immediately called Capital One and have them to replace my debit cards and I am waiting them to resolve this security issue. 

I strongly believe that Capital One 360 bank system is/was hacked. Please do your investigation. 

Thanks.
Product: Credit card

from XX/XX/XXXX to XX/XX/XXXX charges, we filed on mine and my husband 's joint Capital One credit card to an excess of XXXX dollars. I didn't notice them, unfortunately due to illness, until XXXX of XXXX. I contacted Capital One fraud claims they started and investigation with the determination that they did not see any fraudulent charges and we would be responsible for the full amount ; this was later sent to a collection agency. The statement showed That numerous charges ( up to XXXX per day ), were placed on our card for XXXX online XXXX other charges were filed for cruise lines and eateries. I filed charges with the XXXX XXXX, XXXX  police department and filed identity theft claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 a furniture company XXXX XXXX XXXX lied that I took furniture from them. Which they can not prove. Ive asked the lender several times to provide the POD they have refused. The lender is called Acima
Product: Credit reporting

XXXX XXXX need validation of debt done. the last payment date is missing. I need the full payment history from XXXX sent to me. Transunion has missing information. CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are on my personal credit report but do not belong to me and need to be removed immediately from my credit report. 

XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit card

I've consistently made sure payments are on time for this account, preventing any overdue charges. I'm puzzled by reports of late payments on my accounts and uncertain about the cause. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my identity. and now I have a whole bunch of unauthorized hard inquries on my credit report prohibiting me from getting credit. 

list of unauthorized hard inquries with a FTC report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX. Thank you for taking your time out of your day. my desired resolution is the have all of these unauthorized inquires removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 the information is inaccurate.
Product: Vehicle loan or lease

in XX/XX/XXXX i requested for my pay dates to be changed. XXXX asked for me to send over proof of my pay dates. i did that. i asked her if my payments could be every month, she said the only way she could do that is if i make a months payment. i made the {$500.00} dollar payment. ive paid the {$500.00} payment in XX/XX/XXXX and XX/XX/XXXX. now onXX/XX/XXXX they turned my car off XXXX stated that i needed to make a {$250.00} payment inorder for my car to be turned back on because XXXX was out of the office. i then asked to speak to a manager. she stated that she would turn my car on and that i needed to call back the next day to speak with XXXX, the person i initially made the agreement with. a verbal agreement is just as good as a written agreement. on XX/XX/XXXX they turned my car off so i called XXXX and tried to see what was going on. XXXX stated that she never agreed to anything like that, she also stated that i would have to make a " good faith '' payment of {$150.00} in order for them to extend the rest of the payment for the XX/XX/XXXX. she was very rude and wouldnt let me get a single word out. she just kept denying the agreement. and my car is off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.
Product: Bank account or service

I was made aware of a signup bonus of XXXX XXXX XXXX AAdvantage points for opening a Citigold Checking Account at CitiBank. I opened the account in-branch, having confirmed verbally with the banker that I was eligible, and had the promotion attached to the account. He specifically checked for the existence of a Citi AAdvantage Mastercard on my account and noted that had I not had one, I would not have been eligible. I further confirmed by email with the banker that the bill pay I set up would meet the requirements of eligibility, and received a response in the affirmative. Having completed the eligibility requirements, I inquired with Citi about when I would receive these points and was told they would not be honoring the offer. I appealed this decision, and then escalated it one more time, each receiving the same form response that I was not eligible for the promotion. There are widespread complaints about Citi also doing this to other people, and I believe it qualifies as deceptive and misleading. I would not have signed up without this promotion.