23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX aka. Wells Fargo. 
I purchased a large item and to get credit the seller started this Wells Fargo account with my permission. 
The account was always paid on time. 
I did a balance transfer to pay this card off. 
After the final payment went in I checked the account on-line around XX/XX/XXXX and the account said {$0.00} balance. If there was a balance at that time I would have paid that also. 
Balance transfer payment was sent on XX/XX/XXXX.

Wells Fargo acknowledges receipt on XX/XX/XXXX The due date for the payment was XX/XX/XXXX Wells Fargo never sent another bill in the mail after I tried to pay this account off. 
They assessed interest on the account before the payment went in. Then charged me a {$38.00} a month late fee. They said they contacted my wife and made payment arrangements but never received a payment. This never happened. My wife never talked to them. The only way I found out about this account being delinquent was seeing my complimentary credit score on my other card bills going down so I got curious as to why and requested a credit report from XXXX. After I found this account was posted as 120 days delinquent, I called Wells Fargo to settle the debt. By this time an account that was supposed to be paid off was sitting at around a {$200.00} balance. I spoke to a Gentleman in the collections department and told him I was not going to pay {$200.00}. He said that he would take a {$140.00} payment that day to clear the account. I asked him if I paid that day, if they could remove at least some of the late payment entries on my credit report since this whole late thing and the balance was up for dispute. He said he would submit a letter stating that the balance amount was disputed and that was why it was not paid until this payment. I also submitted a dispute with XXXX which only came back as paid with all of the late payment entries still on the report. I acknowledge that the payment came in late and that I initially owed them a small interest payment and the first late fee. However I checked this account on-line and it said XXXX balance. I did not know the payment came in late until I called Wells Fargo about the credit report. I feel like I was basically set-up because as I stated above, not one more bill or statement arrived in my mail after I tried to pay this account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECTED the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was attempting to purchase a flight for a trip. Based on the fact that I was an existing American Express customer, I chose the XXXXXXXX XXXX  even though it was more expensive than the XXXX XXXX based on the advertised American Express offer ( {$400.00} statement credit when booking and ability to use instantly to book ). I applied and was approved for the card, but my number never loaded. When I called customer service the same day to attempt to get the card number to book, I was told ( by XXXX XXXX American Express ID # XXXX ) that there was a large issue known to American Express, and only a few customers were actually receiving the instant card number. The issue was so large, in fact, that American Express was automatically authorizing {$250.00} statement credits for those affected. I was first told I would receive the card by Wednesday, XX/XX/XXXX, then that was moved further out to Thursday, XX/XX/XXXX. I explained to XXXX that I was concerned that {$250.00} would not cover the amount of the cost increase of the card. She said that was the maximum she was authorized to give. I asked her if I could get the card expedited because a week was a long time to wait with the price increase, and she said it was already in process, and she could not change it. It was being shipped via USPS, which does not deliver to my physical address. That is why I provided both my physical and my mailing in the original application. 

The card was not delivered on XX/XX/XXXX, as promised. I waited to call in case in came to my XXXX XXXX box early the next morning. The card was still not in the mail on XX/XX/XXXX. When I called American Express to check on the status, I was told the card was not mailed to my mailing address, but to my physical address. Because it was undeliverable, it was being held somewhere. As of today, cost of the flight has increased {$320.00}. I explained that this was my initial concern, and that I could have purchased a cheaper flight over a week ago, and I only went with XXXX XXXX because of the promise on the screen that I could book instantly upon approval, and the " fix '' to the KNOWN problem was not sufficient. The issue was escalated, and I was handed off to a supervisor. The supervisor ( XXXX, American Express ID # XXXX ) then told me the initial issue was not a system-wide issue, and that the {$250.00} credit was not to compensate for the flight change pricing, but for the inconvenience. He indicated that the notes said I was upset I didn't already have my statement credit. I explained that was not my complaint, but that I was promised I was also told that the company would do nothing to assist with the impact to my credit score by them running it for the card that was never delivered. 

What XXXX shared was directly contradictory to what XXXX described on XX/XX/XXXX. American Express knows that its customers can not use the function, but are then stuck with the cards after the credit hit with more expensive flights. Additionally, the {$250.00} is not enough to cover the extra costs associated with waiting for the defective card.
Product: Checking or savings account

On XX/XX/XXXX I received a letter from my bank 'Chase ' that advised that on XX/XX/XXXX the bank made a decision to close my account but advised no reason at all. I immediately called the bank the next morning and called my branch to figure out what was wrong as I have never done anything wrong since I have had this account, I was actually enjoying the features overall. The representative told me on the line there is nothing they can advise and that there is nothing I can do and Chase will no longer do business with me forever. I thought this was a joke, I called my branch and spoke with the guy who helped me open this account in XX/XX/XXXX and he said the account is in 10 closing status, he transferred me to security who advised that they have the information why they closed my account but I am not allowed to know it and I told him I did nothing wrong I have been a great client since opening I mean I have my direct deposit in the account and everything and he said 'nothing I can do, you can get your money out and try another bank ' and then hung up. I am just shocked that I was closed without an explanation, I know a bank has a right to close an account at any time but atleast give me a reason so I may resolve it. So after spending an entire day and calling over and over I was advised that my account was closed internally and I will be listed as a Suspected Fraud Client with Early Warning Services. I am just shocked beyond belief when I did nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point the CRAs know, or should know, the information furnished by XXXX XXXX is false and/or misleading, and that the subsequent reporting of such false/misleading information causes me harm or is likely to cause me harm as a consumer. The precedent established within my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : XXXX v. XXXX XXXX XXXX XXXX 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). The CRAs have received multiple CFPB complaints regarding their persistence of this information and have been asked to remove it. Yet, they have neither conducted a reasonable investigation, nor taken action to remove the derogatory information, even when the information furnished by XXXX XXXX has been contradicted by XXXX own statements those statements, having been included as a part of my previous complaints to the CRAs. 

The full complaint is attached.
Product: Credit reporting or other personal consumer reports

Duplicate information was provided to all 3 credit bureaus. XXXX investigated and removed items according to my proof of evidence. However, Experian wants me to believe that they performed a thorough investigation after I received a letter with the incorrect spelling of my name that does not appear on any credit reports. How can you perform an accurate investigation for me XXXX XXXX, under someone else 's name? Please remove the listed accounts from credit report. This is a very delicate and traumatizing situation for me.
Product: Mortgage

We initiated a reverse mortgage XX/XX/2021 from AAG. We had been told that we would have access to our home equity to pay off a few debts and make some improvements to our home. Instead, without our understanding or approval, AAG removed access to our equity and instead will use our equity to pay our homeowner 's insurance and county taxes for the remainder of the loan. 
The last thing that our Loan Administrator at AAG told us before the closing was that he submitted our account without the hold on our equity. The closing was done by a notary in our home and we were told by him that he would not be able to answer any of our questions. The closing paperwork was over 250 pages. 
Within a couple of days, we did being to read the closing paperwork and suddenly realized the kind of loan we actually received. 
When we called AAG to discuss this, they said we went past the 3 day period to reject the loan, which again we didn't know anything about a rejection period, and so there was nothing they would do for us. 
We have tried to talk to managers and other higher level personnel at AAG but got no response as to what set us apart from other people. Our credit report is very good and we see no reason why we have been singled out for this change in the loan as we were promised. 
Your help in this matter is greatly appreciated. I look forward to hearing back from you. I am happy to provide any additional information you may require. We can only come to the conclusion that the reason for withholding our equity is that of my husband 's XXXX  as there doesn't seem to be any other reasonable or logical explanation. 
Also, we have submitted a complaint about this to HUD. XXXX XXXX is our contact at HUD and he was the one who sent us this link to your website for us to file this.complaint.
Product: Debt collection

This company sent a negative information as retaliation to my credit report. after I reported them to the XXXX. In my prevouis report they show the account as closed and not in their office. In checking my credit report they re aged the XXXX account. 

They stated in case number Case Number : XXXX Reference : XXXX, XXXX, & XXXX they showed they closed the account. 

This is against FRCA reporting and I demand compensation for pain and suffering volutarlery or through small claims court. 

I am also contacting my states attorney generals office for the tactics used by this company. 

here is the XXXX case against them. 

Case Number : XXXX Reference : XXXX, XXXX, & XXXX XXXX, XXXX : XXXX XXXX XXXXCase Number : XXXX Reference : XXXX, XXXX, & XXXXDear Consumer Financial Protection Bureau : This is in response to the complaint received from XXXX XXXX XXXX. 

XXXX separate accounts were placed with our office for collection to service the delinquent portions owed. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$260.00} and it was assigned the internal reference number XXXX. The account was later closed in our office and returned to XXXX on XXXX XXXX, XXXX. Our agency previously submitted a deletion for this account ; however it appears it was not processed correctly by the credit reporting agencies. In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all credit reporting agencies associated with the XXXX account and our office. The confirmation number for this request is XXXX. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$590.00} and it was assigned the internal reference number XXXX. On XXXX XXXX, XXXX, our agency sent an initial letter notifying XXXX XXXX that his previously disputed XXXX account was placed in our office for resolution to the address on file. Said letter also informs XXXX XXXX that an investigation of his dispute has been completed. Our agency has had no communication with XXXX XXXX regarding the account to date. 
In response to XXXX XXXX 's dispute, we have closed his account in our office and returned it to our client for further review. When an account is closed unpaid and returned to our client, our agency submits a deletion request to all credit reporting agencies associated with the account and our office. We will have no further contact with XXXX XXXX regarding the XXXX account. If he has further questions regarding the account he may contact our client directly at the address below : XXXX XXXX XXXX, CO XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the newly reported XXXX charge-off status of {$1400.00} on my credit report by XXXX XXXX XXXX I request an immediate re-investigation based on several critical points. First, XXXX XXXX has failed to provide the original signed contractual agreement that would validate the debt and confirm that the account belongs to me. The generic Card Member Agreement ( CMA ) they provided does not pertain specifically to my account, raising legitimate concerns about the authenticity and validity of the debt. Without the original contract, their claims remain unsubstantiated, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g, which requires proper validation of debt. Furthermore, XXXX XXXX 's claim that my account does not meet the criteria for issuing a 1099-C form is misleading. The fact that they reported the account as a charge-off suggests they may have claimed a tax deduction under IRC Section 166. If this is the case, continuing to report a balance on my credit report is inaccurate and deceptive, violating both the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 and the FDCPA under 15 U.S. Code 1692e for false representation. The documents provided do not constitute adequate validation of the debt, as they lack the necessary contractual agreement, rendering the continued reporting of this charge-off unlawful. Additionally, I am entitled to statutory damages of {$1000.00} under the FCRA ( 15 U.S. Code 1681n ) for this inaccurate reporting, which XXXX XXXX has unjustly refused to issue. Given these violations, I request that the CFPB take immediate action to demand that XXXX XXXX provide the original signed contractual agreement, issue the necessary XXXX form, and remove this inaccurate charge-off from my credit report. I also request that XXXX XXXX be fined accordingly, and I be awarded the {$1000.00} in statutory damages. I will also be reporting this issue to the IRS for a thorough investigation into the legitimacy of the tax deductions claimed by XXXX XXXX while continuing collection efforts. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did send the mail and complain with cfpb, I asking about 1099 C charges off for all account : 1 ) 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 ( {$11000.00} ) *** But I dont see any XXXX from send to me. Remember : As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary Income. Income does not get reported in the consumer report. By Definition, the IRS clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 says you, you are a furnisher of information to a consumer reporting agency. Therefore, you are prohibited by law to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/inaccurate information immediately.
Product: Mortgage

Purchased our home XXXX, lender XXXX XXXX. 
Payments processed, account accurate, zero problems in 11+ years. 
Loan sold to Carrington  Mortgage XX/XX/XXXX without consent, don't understand why. 
Since loan transfer, errors with account, lost payments, contradictory communication, and then this : We lost 95 % of income due to Power outage disaster, followed by Covid restrictions, shutdowns ordered by the state of California. 
Carrington granted forbearance initially through XX/XX/XXXX. 
In late XXXX, service rep. extended forbearance through XX/XX/XXXX. 
When I initiated contact near end of this period, I was told forbearance only was first 90 days ( XXXX ) and I was therefore in Default. 
There was no warning and no options given at any time. 
XX/XX/XXXX received Default notice from Carrington. When I called to ask why the rep " XXXX '' told me I shouldn't worry about it, call us in 30 days.. 
let us know if your situation improves. '' XXXX, XX/XX/XXXX, I attempted to reach XXXX, calls, e-mails were not returned. I then submitted loss mitigation forms, seeking options including possible modification, forbearance. XX/XX/XXXX, received notice of foreclosure from XXXX, Texas law firm. XX/XX/XXXX, Carrington sent notice of incomplete mitigation forms. I returned requested forms by US mail, and e-mail several times, to multiple company representatives, as of now they will not acknowledge receipt. 
It is my understanding I must receive written determination of my application before any actions, timelines ( default, foreclosure ) commence. By California law, Dual Tracking is banned. 
It has been very difficult what has happened to family members, and our livelihood during pandemic and don't believe company is acting at all in good faith, or legally. 
They have ruined our credit, and posted public foreclosure notices causing many unwanted solicitations. 
I need all timelines stopped immediately until I am given, by law, the 14 days to respond.. once a decision to my application is received. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had fraud on my account in the amount of XXXX They did a credit adjustment ( XXXX ) and added it to my account, instead of deducting it. 
They charged me a late fee ( which they stated they would n't do ) They charged me interest ( which they stated they would n't do ) They gave me interest back and the late fee, however they would not re-adjust the XXXX plus the XXXX. Total XXXX even though they stated they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a pay day loan in XXXX with XXXX. Had several before and paid them all off when payment was required. The last one I took out in XXXX, I was unable to pay back at the time due to hardship. They sent it to collections and kept transferring it from one collection agency to another. In XXXX, XXXX XXXX XXXX called me and I was finally able to pay it back. They told me they owned the XXXX loan now and we negotiated a settlement in good faith. I sent a certified check in the amound of {$800.00} and it was paid in full and satisfied. Letter attached. Over the years several other companies call me and want to collect on the same exact debt. I fax them the paid in Full letter and they leave me alone. Well, this awful company, Midwest Recovery Systems, LLC, never called or emailed me or anything. They just opened a collection entry on all of my credit reports. I called them immediately very upset and sent them by fax and email the paid in full letter and every time I call them, they say they never received it and I feel this will never get taken care of. Please help. They are scammers and I did pay it off in good faith. These companies just keep selling old debt even if it 's paid in full. I called XXXX this past Monday and they verified with me that this is the same account number that Midwest Recovery Systems is trying to collect on. Please help get rid of these scammers and fraudsters. Thank you. XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a block call came through to my cell phone and a message was left by a young lady who I could barely understand. She left a message that her company was going to serve me paperwork to my home and job to have me arrested for a legal matter in their office. She also stated that the warrant would be sent via certified mail in a few days unless I called their office to resolve. I called the number back and a man answered I asked what the name of the company was and he refused to give me that information and hung up on me. I called back repeatedly and got their voicemail. A few minutes later a get another call from XXXX XXXX and the same person left another threatening message. I immediately texted the number back and asked for the company 's name and that I was going to file a complaint. Today XX/XX/XXXX I get an email from a female name XXXX XXXX ... .I have a copy of the email and I can also provide a copy of my response to her to cease all communications, and that I had no idea what this was about. In her email she started out by saying are you still confused on why we are contacting you. Never mind that I sent her a text message just yesterday to cease all communications with me and send everything from her company on letter head to my attention via mail. My FDCPA rights were violated with the threatening email, they continue to contact me even when I told them to cease all communication. I have the recorded called on my cell phone I have saved it. Please let me know when I can share it with the CFPB office.