23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have called Experian several times only for the call to be disconnected. I know a letter requesting the information will be disregarded as it has before. The CFPB complaint will be on record ( with their response included ). I have requested all information received from the debt collector for alleged debts on my consumer credit report. If the accounts were validated Experian should provide the investigation results, which should consist of proof the debt is owed and the company has an authority to collect. The required delegation of authority should be on file, the original promissory note ( not a copy ) as well as the security agreement. Ownership or control over the debt relief on possession of the original document. ( XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the delayed correction of open accounts in our system. However, the recent delays in rectifying late open accounts have been highly inconvenient and have impacted my confidence in your services. Despite repeated attempts to address this issue through various channels, including emails and phone calls to your customer service department, there has been no satisfactory resolution or even acknowledgment of the problem. This lack of responsiveness is unacceptable and reflects poorly on the level of customer care provided by your organization. 

I want you to assist me to take immediate action to rectify this situation. It is imperative that the late open accounts are corrected promptly and that measures are implemented to prevent similar delays in the future. Additionally, I expect a formal apology for the inconvenience and frustration caused by this oversight. Please provide a detailed plan of action outlining how you intend to address this matter and prevent recurrence. I also request regular updates on the progress until the issue is fully resolved. Please help me correct these late open accounts immediately : XXXX XXXX  XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$750.00} ; XXXX  XXXX Balance : {$2500.00}.
Product: Credit card or prepaid card

Today, XXXX XXXX, 2017 I visited the Discover Card site to redeem the Cashback Awards. 
The site clearly states " These rewards are yours to use ANY time you want, whatever amount you want. Apply your Cashback Bonus to your bill OR deposit to your bank account. ". I had over {$450.00} and beside that amount ere the words- " REEDEEM ALL ''. 
You had to enter the amount and had two choices- one was to apply as a credit to your bill or two was to deposit to your bank account. I chose all and to deposit. Then a note popped up stating that I needed an account " linked '' to the card and to call XXXX ... 
I did. I was then told that I could NOT " redeem all '' - the limit was {$300.00} and that they did not know why I was not allowed to select the bank account they had on file. Now mind you, I HAD done this before a few years ago. Also- I do have 4 bank accounts linked to this credit card from which I have in the past paid through their site- infrequently. I asked to speak to a supervisor who could not explain away the discrepancy between WHAT their site CLEARLY stated and WHAT I actually could do. She gave me some spin about " security '' ... When I asked specifically about any issues with MY account- she told me she could NOT say anything due to security reasons ( I assumed she was talking about DISCOVER security ). 

I understand that I have a " contract '' with Discover to use their card. I pay my bill every month completely. I am not late as the amount owed is not due until XX/XX/XXXX. I have used all 4 of the bank accounts to pay portions of this card at various times- both through their specific site AND through my bank billpay sites. 

I believe that it is fraudulent for Discover to clearly state what I stated above, BUT NOT allow it to be done and then can give NO reason WHY it can not be accomplished.
Product: Credit card

Dear CFPB, I am absolutely furious to write this complaint against the disgraceful behavior of Wells Fargo in handling a dispute that has dragged on for over 90 days without any resolution, even after the merchant reversed the transaction and callously refused to refund the consumer. 

Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX My evidence unequivocally proves that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the refund from the consumer within the 90-day period. This strongly suggests that either the bank is shockingly inefficient or, worse yet, is deliberately involved in a corrupt scheme to defraud its customers. 

I am lodging this complaint with the fervent hope that the authorities will take swift and severe action to hold Wells Fargo accountable for their corrupt actions. 

Yours infuriated, XXXX
Product: Payday loan

A LOAN WAS DONE XX/XX/2013, AND PAID XX/XX/2013 IN FULL. i WANTED TO PAY IN FULL AND CALLED TO MAKE THE PAYMENT OVER THE PHONE. i ASKED WHAT THE AMOUNT WAS IN FULL THAT NEEDED TO BE PAID. i PAID AND ASKED IF THIS WAS FINAL AND CLOSED. THE PERSON I SPOKE WITH SAID YES, PAID IN FULL. TODAY I RECEIVED A CALL FROM A COLLECTOR ON BEHALF OF ACE SAYING I OWE MONEY. {$880.00} PLUS LEGAL FEES????!!!!??? i PAID IN FULL WHY DO I OWE THEM MONEY, THE LADY I SPOKE WITH XXXX XXXX SAID WELL WHO EVER YOU SPOKE WITH WHEN YOU MADE THE PAYMENT DIDNT CLOSE THE ACCOUNT???? NOW THEY ARE SAYING YOU OWE THEM MONEY.???? wHAT DO I DO??? i HAVE THE BANK STATEMENT FOR THE AMOUNT I PAID. i WAS TOLD ON THE PHONE THAT PAYMENT WAS IN FULL!
Product: Debt collection

I was paying on the balance of several XXXX bills due to XXXX ( XXXX separate XXXX within a period of 4 months, All performed at XXXX XXXX XXXX Hospital in XXXX Ar. ) - I paid on them for over 2 years, Then I was contacted that my payment of {$25.00} was not enough! Shortly afterwards- I XXXX and 5 months later had a XXXX.~ I was off work for quite awhile~ and I tried to get them to work with me~ They did combine XXXX accounts into XXXX, but I could not pay XXXX per month. 
I am single - live alone XXXX XXXX XXXX and the only income I have is made solely by me~ After rent, utilities, etc. there is no way I can pay that amount! 
Since then I do have Medicaid, but I do not qualify for any other type of assistance. 
I got tired of the harassing calls ~ I could not have done anything anyway, the payment plan they set up for me was absurd!
Product: Credit card or prepaid card

I was unemployed from the years XXXX - the beginning of XXXX. During this time it was extremely hard for me to keep up with my credit card payments. I struggled alot during this period of hardship and unfortunately, this affected my relationship with this creditor. For the months of XXXX and XXXX, I was unable to meet the minimum payments on a {$1900.00} balance. I was attempting to enroll the accounts on a debt repayment program and this transition also led to delay in payments as the creditor and the program agency worked to negotiate a lower interest rate and lower minimum payment. This was my last resort because the company itself was not able to help me when I reached out for help with minimum payments and interest.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. According to the CFPBs findings, Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is concerning and poses serious risks to consumer safety.
Product: Debt collection

Contact by phone was instructed to contact my healthcare providers because the medical provider was unable to verify insurance coverage. I agreed and process will be initiated at the writing of this email. Let me be clear I am a retired civil servant on XXXX XXXX XXXXXXXX and I have medical insurance.
Product: Checking or savings account

I use the app XXXX  to help me save money and now I am being told Im not allowed to link my bank account to this app. This app saves money for me and also helps pay on my credit card. I have been using it for well over a year and absolutely love it and have had zero issues with unauthorized access to my bank account and so forth and would like to continue to do this.
Product: Checking or savings account

Paypal wont allow me to open an account with them, according to them there is one with my information. I have never opened an account with Paypal
Product: Debt collection

I am not liable for this debt of {$650.00} with LVNV FUNDING LLC account number XXXX I do not have a contract with LVNV FUNDING, they did not provide me with the original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX, Equifax and XXXX asking them to take action to get my inquiries removed from their records and to remove any record of the inquiry with all credit reporting agencies. A police report was uploaded to each company regarding the unauthorized usage. Please investigate these inquiries at your earliest possible convenience to ensure my credit score is showing an accurate depiction of my creditworthiness.
Product: Credit reporting or other personal consumer reports

This item in my credit file are from unauthorized use of my social security number and my personal information. I am not aware and did not authorize these accounts to be taken out in my name. This account does not belong to me. I'm upset and XXXX  after dealing with my identity being stolen and need this to be corrected so I can use my own credit. 

XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXXXXXX XXXX  # XXXX XXXX # XXXX is in violation of my rights.. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Sections 2 It also states that A consumer reporting Agency can not furnish account with out my written instructions..
Product: Credit card or prepaid card

I got an email fromMoneyLion stating I opened a debit card account and it is now active. I have never used this service, and they dont have a customer contact phone number for fraud. I was trying to get someone on the phone, however, they do not have the opportunity to do anything except over email. This is the second time Ive had an issue with MoneyLion and the first time they told me this wouldnt happen again. I also have the inability to get XXXX due to a credit report run from XXXX and also XXXX XXXX wont let XXXX XXXX an account due to Fraud I never did. My friend told me to report all of this to you even though the MoneyLion is the only active problem. I was able to close the other accounts and fraud, however, I shouldnt have any of these problems because it wasnt me who did the actions listed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notifying consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the following companies and XXXX by mail and by phone more than two times. I have fraud alerts on my accounts and I am supposed to be contacted before credit is approved to be pulled as a hard inquiry. I have fraudulent Hard Inquiries on my credit report and I would like them removed immediately so they do not continue to negatively impact my life. They are as follows - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Ally Financial, 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 Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX I have been impacted my identity theft and these erroneous inquires have been making it impossible to live my life with my family normally. We couldn't apply for anything that we actually need to. It is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$25000.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$8200.00}, XXXX XXXX Balance : {$5600.00} "
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting late payment for XX/XX/2023 and have failed to provide proof of late payment. 
I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. 

It is an unfair act for late payments to be reported. It is a violation of the law, invasion on privacy, Pursuant to 16 CFR 444.4 an Unfair act of practice Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Who did you speak to? 
My finger prints? 
Original contract? 
License number? 
Wet ink signature? 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details 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  The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Debt collection

I am submitting a complaint against the collection company " XXXX XXXX XXXX , XXXX '' Since XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been incorrectly trying to collect a fictious business tax that I do not owe via Allianceone Receivables. Despite my CPA following up with Allianceone with a dispute package detailing the circumstances in great length, going so far as to get the documents notarized, I am still receiving letters saying that I owe this tax with increasing interest, when in fact, I never owed the tax to begin with. 
The last letter I received regarding this tax was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  victim working to repair the damage that was done to my mental health, and credit. I would like to remove any and all accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is reporting a debt on my credit fil that i do not owe. I recently checked my credit and noticed this debt. I called immediately and paid this debt off. I never received any calls, notices, or letters about this debt and that violates my 30 day right to dispute.
Product: Checking or savings account

Nothing is taken. An account is opened under my name. They sent a physical card to my address to activate. I called the bank to close the account, they demanded for birth date or last 4 digits of my SSN, which I refused to provide. They hung up on me.
Product: Debt collection

The mortgage was originated with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Bank XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX,  the XXXX XXXX XXXX XXXX XXXX was closed by OCC with FDIC as receiver. During my bankruptcy, XXXX filed a proof of claim dated XX/XX/XXXX. It contained a copy of the mortgage, rider, original note, an assignment dated XX/XX/XXXX with a stated Effective day of XX/XX/XXXX ( recorded XX/XX/XXXX ) from XXXX to XXXX as trustee for XXXX mortgage pass through certificates series XXXX. It was executed by XXXX XXXX on behalf of XXXX. However at this point the XXXX XXXX XXXX XXXX XXXX was in receivership and the FDIC was the receiver and XXXX XXXX would not have had authority to transfer this note. The copy of the Note was stamped ORIGINAL ( with no binder holes ). The allonge was not attached at that time. 

I have requested a loan modification numerous times. I have basically not qualified based on failing the net present value test due to their inflated valuation of the home as well as qualifying for a reduction of my payment of less than 10 %. I requested a waiver of these provisions on several occasions but again with no response. Now I am just denied without even a review, Wells Fargo, the servicer for XXXX said that I didn't qualify for a modification and they wouldn't even review it. I asked for documented verification of this and they have refused to provide this. 
In XX/XX/XXXX, I was forced into a Chapter XXXX bankruptcy due to the downturn in the real estate market and a condo project I was building.Since then I was able to file for a Chapter XXXX bankruptcy but they have still refused to work with me. I filed a bankruptcy to stop the foreclosure sale. 
I have made multiple requests for complete copies of my closing documents and loan documents. I never get them. 
After filing bankruptcy and while attempting to make a repayment plan, XXXX /Wells Fargo has said that I cant rent the property seasonally because I signed a 2nd home rider. I have read that XXXX XXXX has said that the XXXX XXXX rider should not be interpreted to say that. XXXX XXXX has recently revised their rider due to misunderstandings as to the meaning. I also have read that this is an unreasonable restraint against my rights in my property and it is against public policy. I have also read that it is only Wells Fargo that is telling home owners that they cant rent their properties.
Product: Mortgage

I was out of a job from XX/XX/XXXX to XX/XX/XXXX. I missed several payments on my mortgage. As soon as I started working again, I sent partial payments and tried catching up. I decided to try a loan modification with Quicken Loans. I was approved for a modification, put on a payment plan where they said I would skip a month of payment then the plan starts. Find out 3 months after the start of the first modification that it failed. I contacted Quicken Loans, instead of looking into the issue, they put me on another loan modification, set up a payment plan that had me skip a month of payment, then the payment plan starts. Find out later the modification failed. Quicken states there is an issue with my deed. I explain that I refinanced my ex husband off the loan back in XXXX with Quicken Loans. The Account Resolution team says ok, I see that and then put me on yet ANOTHER modification. Same thing as above, this has now happened four times and I just found out that I am now on month 8 of FORECLOSURE??? I have never received a summons or anything saying I am in foreclosures. Quicken refuses to take a payment, and is demanding either a {$10000.00} payment outright or I lose my house. Apparently they were running a foreclosure on me at the same time forcing modifications that will never, ever work because of the errors they made at closing 4 years ago. I tried speaking with several " executives '' however, they are just bullies that deny all accountability. That is literally their job. I finally had to find out myself that Quicken Loans recorded not only the deed incorrectly with XXXX County but my mortgage was recorded incorrectly as well. So, technically I missed three months of payment back in early 2019, but because of all the loan modifications and Quicken forcing me to skip a month of payments ( that could have been made ) to set me up on a payment plan, now makes it look like I haven't been paying. Quicken will not answer me on how to fix the problem they created, their loan modification program is a complete scam and they will try to steal your home.
Product: Credit reporting

the apartment where I lived put I owe the XXXX on my credit report rent was paid on time never received any bill at new home for this amount checked credit report 5 months later to find out this was submitted on my credit