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

I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of successful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. According to the 15 U.S.C 1681 XXXX there should be no damages on my report, considered that as a defamation to my character. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have XXXX days to do this according to XXXX, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.
Product: Mortgage

I have filed five ( 5 ) comlaints against Wells Fargo Home Mortgage and each time they send more and more unrelated or the same documents. The last XXXX responses were 58 and 83 pages consecutively, cut and pasted and just a mess. None of which provided an answer to my complaint. 

No one at the CFPB read or reviewed the answers. It is easier to say they provided a response. XXXX has not provided a response to the complaint, they just responded, there is a difference. And yet XXXX laughs in my face and the CFPB because they think they are getting away with this. Over my XXXX body! 

XXXX continually goes to the Federal Court with their consent judgements and offers to pay billions of dollars but have never paid a dime! I challenge you CFPB to check it out, I did. 

I know the truth and so does XXXX. Soon the whole world will know. 

" Why am I not eligible for the settlements ''? 

I provided all documents for every excuse they have given. " Why am I not eligible for the settlements ''? 

Having run out of excuses, now XXXX just say I was not eleigble. " Why am I not eligible for the settlements ''? 


The one issue and question continually asked and never to date answered " Why does '' Why am I not eligible for the settlements ''? 
XXXX say that I was not eligible for the settlements ''? Having submitted to the CFPB documents refruting XXXX : " Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''?
Product: Student loan

I contacted Navient to discuss lowering my monthly payment which I can not pay at this time still being a student and unemployed. They had previously agreed to let me make interest only payments for the past 4 years to have a lower payment because they said I had exhausted all option for a forbearance with a private loan. I stated to them that as a student, I am on a very tight budget and can not afford to make the {$110.00} payment amount that is coming due on XX/XX/2017, but that I can pay something if they can agree to lower the payment. They stated to me that they can not. I spoke to their collections department who informed me that if I waited until 5 days after the payment is due and called in that maybe there is something they could do. However, I stated to them that I did not want to go delinquent. This is the reason I am calling now is to make arrangements before becoming delinquent. They will not work with me on this at all! I spoke to a supervisor then a senior supervisor then a collections supervisor department who was the rudest of all and told me that even if unemployed they would not lower the payment and allow me to pay a lower monthly payment. They say I have no options but to pay XXXX or nothing and ruin my credit. They are completely unwilling to help me work out something in any way whatsoever.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX States have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without written instructions
Product: Vehicle loan or lease

I bought a car with my fianc in XXXX it was this first time I have ever co-signed with anyone. I am XXXX XXXX XXXX and then I was only XXXX. He set up automatic payment for his new XXXX XXXX and it didnt pull it out in XXXX and we found out there was a late payment by looking on our credit. We immediately paid the balance and late fees and the late payment remained on our credit file. It brought our score down a lot and we are just starting to build a life together. I sent several good will letter attempts to get them to remove the late payment as we have made all of our payments on time for the last XXXX years. We have perfect payment history on the XXXX XXXX and our XXXX XXXX except for the late payment on the XXXX. We take full responsibility and learned from our mistake quickly. I just challenged the late payment this year because my new fianc and I want to buy a house after our wedding this XX/XX/XXXX and its hurting our score a lot. We dont believe this late payment properly projects our credit worthiness and have been subjected to a very high mortgage rate as first time home buyers, not to mention in the most expensive city of XXXX XXXX XXXX Its extremely tough for us and Toyota Financial Services has done nothing to help despite our perfect payment history. I have read online people getting 3-5 late payments removed off their XXXX and theyre refusing to remove 1 from our perfect payment history of XXXX years. I feel this deserves a complaint.
Product: Bank account or service

Open a national bank account with Chase Bank. After a few months I started getting excessive unknown charges from a vender of a fitness club I was not aware I was sign up for. Turns out the account I closed shortly after I opened my Chase account was never taken off direct deposit. The bank told me it was the gym but the gym showed me they were n't taking money. Long story short a XXXX account was mistakenly opened by the gym which caused a XXXX charge to continue for months. When I figured out the issue I addressed the bank manger about my concerns and she opened a fraud claim which was going to fix it. Three months later I 'm in XXXX no bank accounts now and chase wo n't help me!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported to both XXXX  and XXXX  that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by 30 days then twice as late by 60-89 days late. I had paid on this loan within the 30 day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XXXX as late for all three months, thus prompting me to believe this was in retribution. I paid this on this account $ XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XXXX and now, XXXX. I paid off my loan in full and closed the account during XXXX ; my new loan was just established XX/XX/XXXX and was absolutely current for XXXX. 3. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.
Product: Credit reporting or other personal consumer reports

Please confirm or deny do XXXX XXXX have employee XXXX XXXX worked on fake loan XXXX? 


XXXX XXXX XXXX XXXX, You strongly supported your buddy illegal immigrant fake doctor XXXX XXXX XXXX and lied he purchased XXXX XXXX XXXX XXXX your buddy XXXX XXXX of XXXX XXXX XXXX Are first American title company connected to XXXX sauavage on fake loan XXXX as I discovered or will you continue to ignore questions after filing all this XXXX in court? 

Please disclose all your records to my property paid up in full XXXX XX/XX/year> you have.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase, account XXXX ( see attached ), is reflecting a balance of {$150.00} in the Account Info section on my XXXX credit report as of XXXX XX/XX/XXXX when the account was paid in full in XX/XX/XXXX which is also reflected in the Balance section as {$0.00} on my XXXX credit report. 

I respectfully request proof of this {$150.00} balance and an explanation why I have not received a bill in the mail if indeed I still owe a balance of {$150.00}. I believe this balance was tacked on to my credit report in retaliation for disputing something completely different : 30 days late in XX/XX/XXXX. Please also send proof that I was late in XX/XX/XXXX.
Product: Debt collection

I have advised XXXX XXXX and XXXX XXXX about my concern. This account was opened by me and I have not authorized no line of credit being opened with XXXX XXXX XXXX.
Product: Debt collection

XX/XX/2017 {$840.00} / charge off account This debt company consists reports a debt. On my report, hassment, I have no knowledge of this debt. Please remove immediately, Please deleted Inaccurate information, wrong person
Product: Debt collection

I have Contacted the the following Companies only to be lied to, they play Hot Potato with the alleged Debt ( XXXX XXXX   services a division of XXXX XXXX, XXXX ( XXXX ), Ocwen Financial Corporation? ( Ocwen Loan Servicing, LLC ) and Now PHH Mortgage services ( hereinafter " PHH MS '' ) They change phone numbers and account numbers even property addresses now as the following Reply in exhibit was supplied by PHH Mortgage to the CFPB .When I contacted the following Number ( XXXX ) XXXX ext XXXX a person claiming to be XXXX XXXX XXXX answered I asked in what country he was in, He said XXXX .Now why is my personal identification, social security, address allowed to leave the United States of America ? I have no business with any Foreign companies so why is my Identity allowed to be Stolen and used in another Country? 
They said I had a Loan with a property address of XXXX XXXX XXXX Unit D, XXXX XXXX, Il XXXX, when I contacted XXXX XXXX XXXX he said he would look into it and submit a complaint so it could be investigated he would get back to me in 10 Days. 
That was over two months ago after repeated calls and messages still No Answer.
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle 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 Zelle 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 or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : 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 unverified account Please remove address that does not belong to me, I have never lived there : XXXX XXXX XXXX XXXX, Ohio XXXX. 
Also remove any Fraud Alert from my credit profile. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been requesting a transaction detail of the debt that is allegedly owed, however, the XXXX party collection agency can not provide me what I am requesting. I have been contacting them for nearly 9 months, but they always send me a letter stating their records are correct and that the balance is owed. I spoke with them today by phone and was told I can dispute it again, but I have been disputing it over the course of 9 months with the same results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number ****XXXX. ( Please see  page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$12000.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 )  bureaus to fix this however, I have not been successful.
Product: Checking or savings account

I had fraudulent activity where my money was withdrawn out of my account in XXXX, I am in XXXX. The bank gave me a provisional credit until their investigation was complete. I received a notice that the investigation was complete and it was decided there was no fraud. I called the bank to ask how they determined that it wasn't fraud and I was told that there was no sufficient evidence. I requested the investigation report on how they determined their finding and nothing has yet to be provided to me. On XX/XX/year>, they took back all the money and left me in the negative. Same day, I called the bank and asked for another investigation and for the funds to be put back in my account. I was told that would not be possible that the investigation was over and no fraud was found. I have video, witnesses, and a time card that show l was at work during the time my money was being withdrawn from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general 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 ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
Product: Checking or savings account

Deposited a personal check ( issuing bank XXXX ) for {$1600.00} from selling my vehicle on XX/XX/XXXX in my Bank of America Checking Account. Deposited check in branch ATM and AFTER transaction, I was informed that there would be a deposit hold until XX/XX/XXXX - called Bank of America immediately and asked if this was correct and if I can have my check back because I can not have my funds held that long. I am very upset because proper notice was not given to me that my funds would be held hostage for over 2 weeks. 

They told me I can not have my check back and I was informed that zero availability of the check would be available and had to wait. I asked to retrieve my check from branch staff on the next business day so I could deposit it into my XXXX account and was told that it can not be done. I explained my hardship that I need this money and can not wait until the XXXX and they refused to help me. I called 4x since the XXXX and was told different information about the exact date my funds would be available and then the final call was told that they will absolutely not release the funds any sooner than XX/XX/XXXX. I am so distraught and suffering that I am being treated this way. BOA is holding my money XXXX, school is about the start for my XXXX kids and I need my money released.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX bank XXXX XXXX. 
XXXX XXXX bank XXXX XXXX XXXX XXXX 
XXXX card XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In also XXXX XXXX XXXX and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX, I contacted Credit Acceptance Corporation regarding a debt that was being garnished from my wages. They stated that the debt was from an auto loan from XXXX and that they received the debt in XXXX. When I asked when they notified me of this debt, they said XX/XX/XXXX. However, the notice was sent to an incorrect address, so I never received it. I never had an opportunity to dispute this debt. When I asked the representative for additional information and inquired about the statute of limitations regarding the debt, I was hung up on.
Product: Money transfer, virtual currency, or money service

I was scammed by a Fraudulent company named XXXX, their representative ( a woman online ) reached out to me and advised me to invest in them. 

I transferred my Funds via my Coinbase account to this Scam Company, i was not being cautious since I had thought that the website was legitimate, since nothing raised a flag that deemed it suspicious. 

I had initially invested a lot of money and after that they accused me of Money Laundering since I had placed so many orders. The scammers tried to make me pay a penalty of 9 % XXXX USD, but I had realized it was a scam and did not fall for it. I lost XXXX USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed
Product: Credit card or prepaid card

On XX/XX/2018 Bank of America took {$660.00} out of my personal account.. regarding towards a closed account that ending in XXXX.. that I have been trying to work with them but they wanted for me to pay amount that I couldn't afford.. I already have a case complaint with you guys and the number is XXXX. I also reach out to a company called XXXX XXXX and I spoken to XXXX to see if she can help ..which my case file # XXXX and her direct number is XXXX Ext. XXXX and she calculated all my expenses and my income and she said I barely break even..Bank of America know XXXX have been struggling for a while. The money that I had in my account was for my car payment and phone bill and gas..that is due on XX/XX/XXXX and Now my account is going to be in the negative because I don't have the funding to cover my charges..I don't understand how they can do that..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 ONLINE INFORMATION SERVICES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, XXXX XXXX XXXX XXXX. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
I am writing to formally acknowledge and correct an inaccuracy in the XXXX  XXXX  ( XXXX ). Upon review, I have identified that has inaccurate information was incorrect. 
The accurate information should be as follows : Please remove all fraudulent accounts