23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

in 2014 I was taken off work XXXX. I was current on my mortgage until XXXX 2014 when my income was cut out in over half. I tried to work with the mortgage company Carrington mortgage company XXXX XXXXXXXX. They told me I could get mortgage assistance and they have used excuse from not having the proper documents but they had in their possession. Then they wanted more proof of pay stubs, which again once I received them I sent them in. I have done everything to fix this issue and they refuse to help they are rude unprofessional and I have tried everything. I do not want to lose my home and made that perfectly clear but they wont help me at all. I would like a lower payment and time to resolve this issue fairly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same address as the mortgage. Please help me. I am a XXXX veteran rated 70 % pending 80 % within a month so now I am exempt from property taxes now. Thank you XXXX XXXX XXXX
Product: Consumer Loan

I have paid my installment loan of {$660.00} to Avant two weeks before my due date of the first of the month. I clearly note on my payment check indicating the due date which the payment is to applied. It has been Avant policy to not accept my payment for due date indicated on my check. Avant insist that the payment it receives is extra payment. Therefore, my account is past due which incurs monthly late payment charge. The Avant response that I received is there account system does n't recognize my early payment. I should call there office monthly to notify there customer service representative that I have mailed my payment early. I strong feel that Avant penalize me make early payments on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX  Acct : xxxxxxxxxxxx XXXX This was also a secured account where the amount funding the original should have been updated to reflect accurate balance. 

XXXX XXXX XXXX Acct : XXXX XXXX This account was in predatory lending lawsuit and they have failed numerous disputes to accurately reflect all payments made in the 4 year period before the illegal repo which there was an agreement in place to have funds paid by a certain date. The original purchase minus the total payments and the sale of the vehicle at auction which they failed to notify me of the date or location so that I could settle the difference. They took the vehicle to another state for auction and I was uninformed. 

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 information is inaccurate as listed on all accounts as far as dates and amounts plus some payments. They have been disputed through the credit reporting companies as well and they all failed to provide the proper validation and or updates as requested by me, the consumer who is named. 


My information on some reports also has my name listed as XXXX XXXX or XXXX XXXX which is not me. 


15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
Account name : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX  XXXX opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit card or prepaid card

- capital one secured credit account opened in my name, it was closed with a XXXX $ outstanding balance, I never opened that account I knew nothing of it until I started receiving mail about it.
Product: Credit reporting or other personal consumer reports

Account charged off but I haven't recieved 1099c have been disputing for several months.
Product: Checking or savings account

I am writing to address a matter of utmost importance concerning an unauthorized transaction that occurred on XXXX XXXX XXXX involving my Wells Fargo account. 

On the aforementioned date, an unauthorized transaction amounting to nearly {$25000.00} was debited from my account. What deeply concerns me is that I received a call from Wells Fargo during which I underwent an authentication process to approve the transaction. However, I wish to emphasize that I did not provide any form of consent or authorization for this transaction, nor did I initiate it in any capacity. 

In response to this incident, I promptly reported the fraudulent activity to their customer support team, expecting a thorough investigation into the matter. Regrettably, I was informed that the case had been closed following an investigation, with no change in the conclusion, and a noticeable lack of substantial evidence to support their findings. Despite my repeated requests, Wells Fargo has been unwilling to provide the evidence I have demanded to corroborate their stance. 

I understand that there have been cases of fraudsters duplicating phone numbers and authentication methods. However, I must emphasize that during the call in question, I was told that the call was from Wells Fargo, it originated from Wells Fargo 's official phone number, and it employed Wells Fargo 's established authentication system. Given these circumstances, it is reasonable for me to seek evidence that this transaction was not initiated by Wells Fargo. 

As a loyal and long-standing customer of Wells Fargo XXXX XXXX have entrusted the safety and security of my financial matters to your institution for a significant period of time. This unfortunate incident has severely shaken my trust in the institution. Therefore, I implore you to revisit my case with unwavering commitment to resolve this issue and to restore the financial resources that were wrongfully taken from my account without my knowledge or consent. 

I kindly request that Wells Fargo conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the investigation, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process. 

Despite numerous complaints with the CFPB and Wells Fargo they will not prove to me that they were not involved in this fraudulent activity. I am told by Wells Fargo that they were not involved but offer no proof. 

Thank you for your understanding and cooperation in resolving this matter promptly. I eagerly await your response and a satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Bank account or service

Hello, I opened a checking account with Citibank online on XX/XX/2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX XXXX miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. XX/XX/XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I WIRED XXXX XXXX A TOTAL OF XXXX ON 4 DIFFERENT OCCASIONS THRU BANK OF AMERICA XXXX TO ANOTHER BANK OF AMERICA CUSTOMER WHICH IN MY CONTRACT I WOULD BE EXPECTING XXXX ON XX/XX/2023 AND OF COURSE WHEN IT WAS GETTING CLOSER TO THE PAY OUT DATE HE STOP ANSWERING MY CALLS LAST ADDRESS I HAD FOR HIM WAS HIS PLACE OF BUSINESS WHICH IS LOCATED IN XXXX VIRGINIA. I CONNECT MY BANK WHICH THEY TOLD ME IT NOTHING THEY CAN SO I DROVE TO VIRGINIA ON XX/XX/2023 AND FILED A COMPLAINT WITH THE DISTRICT COURT WHICH WAS SCHEDULED FOR XX/XX/2023 I DROVE BACK TO XXXX FOR THE JUDGE TO TELL ME ITS NOTHING SHE CAN DO. I REACHED OUT TO THE ARMY/MILITARY BASE BECAUSE I KNOW HE IS IN THE ARMY AND HAD NO SUCCESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  shows an equity loan still open when in fact in was paid and closed Still shows delinquent
Product: Checking or savings account

I had my tax return deposited into credit karma account. On Friday, XX/XX/XXXX, my account was hacked. I woke up to my money all gone over XXXX dollars. I immediately filed disputes with credit karma and a police report. Credit karma said just to wait for an email as you couldn't contact this mystery department, they would email. A day later got another email saying your account is now locked and to upload ID. I uploaded I'd immediately. I have not heard a word about my dispute or getting my money back nor about unlocking my account. I call everyday and they just say to wait for an email from this department who never emails and also never responds when i email them. This has happened to countless people. We shouldn't have to wait weeks for our money after an incident like this. It's stressful and they do nothing to help at all. I need my money back.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.
Product: Credit card or prepaid card

On XX/XX/2018, I was paying some bills including two of my Bank of Americas. I noticed on the site that only three of them were present, so I immediately called them to see what happened and they told me all six of my accounts were closed. A few weeks before I payed off some of them by doing a balance transfer. Most now have a XXXX  balance. They couldn't give me any information but mentioned a certain department to contact. The Specialties account review unit. All of my accounts are in good standing I've never had any late payments. In the past, I've had to complain about customer service. I told them I've been with a company to work on my credit score.
Product: Debt collection

These accounts should be closed and removed from my credit report. It is harassment and XXXX. People just like hating me and my family and XXXX us, they all enjoy it. Having us homeless so they are not. It has been all my life in this country.
Product: Debt collection

I have 2 collection accounts reporting on credit. I have requested several times for collectors to provide VALIDATION OF THE DEBT but never received. Frustrated is a understatement
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions.

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( XXXX ) and ( XXXX ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts.

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over XXXX  days old. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Student loan

I have a XXXX loan I took to help my son finish college at XXXX in 2012. The loan is serviced by Navient. I have repeatedly contacted Navient this summer to request a letter disclosing the loan principal amount and the total interest to be paid over the life of the loan ( assuming it is paid in accordance with its terms ). This is for a court proceeding. To date, Navient somehow can NOT figure out how to get this info to me, though I have spent many work hours ( when I should be working at my job ) trying to explain this to them. They keep sending me a letter that summarizes the interest paid to date and the remaining principal. I have received XXXX of these letters, but not what I am looking for. Even as I write this, I am sitting on hold waiting for the Navient supervisor to come to the phone to tell me ( AGAIN ) that they will produce such a letter. But they do n't seem to understand what I am requesting, and they definitely do n't seem to have a program or any other capability for producing such a letter. Does n't federal law require this? I thought XXXX XXXX loans were subject to Regulation Z or similar disclosure requirements. Can you please look into this? I am getting nowhere, and I have a court proceeding for which I need to produce this info. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, and XXXX 2024 I deposited {$5000.00} and {$4000.00} respectively into my Coinbase account. The monies were supposed to be clear on or before XX/XX/XXXX. I tried to transfer my Mo ey into another currency XXXX and the kk ey was placed on hold. The money will be restricted until XX/XX/XXXX and XXXX respectively. I have contacted the company on XXXX different occasions for resolution. They have refused to tell me why the money is restricted and failed to allow me to withdraw my money.
Product: Vehicle loan or lease

My understanding of the Federal CARES Act of 2020 is that lenders have to remove late payments reported to the 3 credit reporting agencies. I work for a XXXX XXXX in MN and we have had to, and continue to, remove late payments reported throughout the pandemic. My lender, Global Lending services says they do not have to and I need to dispute with the reporting agencies. When I inquired what would happen, they stated the reporting agencies will come to them and they will then report once again that I was late. So it seems I will be stuck in a never ending loop of going nowhere.
Product: Debt collection

I lived in the XXXX at XXXX XXXXXXXX XXXX  and the ceiling caved in on me in the shower. I reported it and they refused to fix it. I contacted local Legal Aid to find out my next course of action and was given paperwork to serve them and if they did not fix I would be moving out as it was a health violation. Up until that point I was paid on all of my rent and utilities, I moved out before the end of my current month I had paid even. Upon moving out there was no damage besides the ceiling for which I was moving out because of. I have video and picture proof. I asked to do a walk out when I went to turn my key in and they refused. Recently I am working on my credit and have been trying to contact the company it is in collections with to find out why they think I owe this money and have been threatened to sue me, garnish my wages ( I am XXXX ) etc. I have tried in writing as well and have certified proof that every address found on my credit report for this company results in a returned letter.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account from XXXX Bank on my credit report. This account and balance do not belong to me. A removal letter from XXXX Bank is attached as well.
Product: Credit reporting

Please see the attached documents. I am requesting that these items be removed from my credit report as they are a part of a pending litigation, which I do not wish to involve additional parties in for willful non-compliance.
Product: Debt collection

I can not tell what kind of debt they are trying to collect on though they did mention a student loan debt. I have no debts to be collected. They are calling my work sometimes 2x a day. I am not answering or responding to their calls. I have looked the number up and they are listed as a scam number. The number they are calling from is XXXX. It is always a live person that leaves the message. I have since registered my work phone number with the do not call list. In that instance, I have to wait for 31 days to be able to report them. I want this stopped immediately. Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not an accurate prompt to describe this problem, so I did the best I could. 

The Consumer Finance Protection Bureau should investigate and take any necessary action against Equifax for what could have been lax security protections for consumers ' personal and highly sensitive information, and for keeping news of the breach from the public for an extended period of time. 

If Equifax can not keep consumer information safe, then they do not deserve to have such information, and should be out of business. 

Additionally, consumers concerned about the security of their information in the wake of this breach are being prompted to enroll in Equifax 's monitoring program. The enrollment agreement for this program includes a limit of liability and an arbitration agreement including a class-action waiver. This clause is a detriment to consumer safety. 

Please, help protect consumers by holding this company accountable and liable for the breach and fighting against its class action waiver. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.