23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted evidence to XXXX and Equifax on XX/XX/XXXX in regards to an obsolete account with XXXX XXXX XXXX Bank for a secured loan obtain in XX/XX/XXXX. I contacted the Mississippi Attorney General Office in regards to the state statue regarding delinquent accounts and collections practices. I complied with all the state guidelines in requesting verification information from this creditor ; however, this creditor fail to provided the required documents within the 30 days allowed. Once I received this information it was not accurate nor had all the requested documents to provide proof that XXXX XXXX  the new proclaim holder had the right to collect this debt. I responded to XXXX XXXX letter dated XX/XX/XXXX however I received it XX/XX/XXXX ( envelope show postal date stamp XX/XX/XXXX ) which was beyond the 30 days from the receipt date of XX/XX/XXXX ( certified receipt included ). Reviewing the attached documents will show XXXX XXXX XXXX XXXX aka XXXX XXXX has fraudulent changed data on my report after I made them aware of Mississippi laws that they were not in compliance to. I received a letter on XX/XX/XXXX from XXXX XXXX, Compliance Officer stating the account is now noted to stop all collection actions based on this law ; however, she fail to compromised by deleting this account as stated in my request because XXXX XXXX and XXXX XXXX XXXX violated my rights as a consumer. Reporting inaccurate information for the previous 4 years and attempting to collect on a debt that is not allowed by Mississippi state statue from 1 year of foreclosure. This account was never classified as foreclosure but a charge-off and business loan until now. This account should be deleted because of the non-compliance acts this bank has taken against me in collection practices. See attachment for further detail and documentation proof. The credit bureaus fail to evaluate my evidence but appeared to believe the bank after they alter information that was inaccurate for years.
Product: Mortgage

My brother passed away in XXXX on XX/XX/XXXX His mortgage with Wells Fargo went unattended until XXXX when the family figured things out and made a 3 month payment to bring the note current. In XX/XX/XXXX I went to a Wells Fargo branch in XXXXXXXX near where I live to make a mortgage payment and was informed my brother did not have a mortgage with Wells Fargo. When I pressed the issue I was informed that the mortgagee was only my brothers ex-wife and my brother was only listed as someone who was to receive the communication, ie : monthly statements. From XX/XX/XXXX - XX/XX/XXXX, I responded to all Wells Fargo letters, answered all phone calls from Wells Fargo and stayed in contact with Wells Fargo to resolve this issue. Early in XX/XX/XXXX XXXX from Wells Fargo foreclosure department called and asked for my brothers ex-wife. Explaining the death, appointment as personal representative, etc. for the XXXX time to Wells Fargo, because none of the Wells Fargo representatives bothered to input a record of the phone calls, XXXX told XXXX I was not in Wells Fargo system as someone he could discuss the foreclosure with. When asked what foreclosure he informed me the property was 2 days into forclosure, he would look into this mess and get back to me within 2 days. Hearing nothing from him, on day XXXX, I went to the XXXXXXXX Wells Fargo branch to make a mortgage payment. Wells Fargo refuse to accept this payment. I then contacted an attorney and we were able to get the property reinstated without fees and penalties including Wells Fargo attorney fees. A request for an " investigation '' into the situation was requested. An investigation was conducted by Wells Fargo and concluded, my summation, because Wells Fargo did not tell me they could not find the account or tell me I could not make a payment, no adjustments would be made. My complaint is : Wells Fargo knowingly denied both my brother, when he was alive, and myself as personal representative access to his mortgage information due to his not being listed as a mortgagee in Wells Fargo records. This repeated and on going behavior of Wells Fargo continues to reap Wells Fargo the benefits of a non-modified mortgage with a XXXX percent interest rate. Last week I paid Wells Fargo {$9300.00} to reinstate the mortgage because the remaining balance of the mortgage is about {$55000.00} and assessed value of the property is about {$170000.00} and as a family, we have decided the property can not be let go of with this amount of equity at stake. Wells Fargo 's investigation does not include anything from XX/XX/XXXX through XX/XX/XXXX and the reason the property is in foreclosure is simply no payments were made. I believe the reason the property went into foreclosure is that Wells Fargo has a complex set of policies and procedures which allows the to XXXX track a mortgage. Having a customer responding to communications and calls on XXXX side while moving the property into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there again! on XXXX I requested 2 things from Experian because i really don't believe the information to be accurate. I sent a simple dispute letter requesting verification for this Realty account and for some late payments. It has been more than 30 days and i haven't received any information about the investigation. These things just popped up on my report, no warning what so ever i really am being ignored here. I need them to remove it because it is not accurate and it took more than 30 days and it is still on my credit report.
Product: Checking or savings account

On X/XX/17 I attempted to withdraw {$80.00} cash from a XXXX XXXX ATM machine in XXXX, NY. When the machine did not dispense the cash and the transaction showed as completed, I immediately asked for the store manager for help.
The manager instructed me to call my bank as the issue had been happening for months according to her without any repairs or resolution. I asked why they had n't put a sign up or called for a repair and could not receive an answer. I immediately called my bank, JP Morgan Chase and put in a dispute/claim for this transaction gone wrong. They informed me they would look into it and provided me a temporary credit of {$81.00} including the ATM fee. On XX/XX/XXXX, the credit was reversed and I was recharged for {$81.00}. Once I noticed this, I called Chase to inquire and was told that the ATM vendor records claim that the money was dispensed and so my claim was cancelled. They claimed to me that they were not shown any proof of this or any logs as well. Furthermore the claims agents were not able to provide me with a phone number to try to dispute directly with the XXXX 's ATM vendor. At this point, I do not know how to contact them and get this resolved. I have been robbed of {$81.00} and I can imagine how many others have been as well. The fact that this ATM charges a nominal fee also means that many low-income people who live nearby or frequent the chain store are being robbed is alarming. I request the help of CFPB and hope there can be positive resolution not just for me but for the others that may not have been helped. This may also be a scam location that noone is aware of.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I called the company several times and spoke to several people explaining to them that I had lost my job and I gave him the dates that I would Pay on the loan they refused to talk to me unless I gave them my banking information immediately I explain that I would call back my banking information because I was driving and that they already had it on file. I was transferred to a very belligerent manager who would not work with me and threatened to repossess the car and said let 's see what happens. 

The vehicle was repossessed to days later and by that time my payment was already set up with them prior to the repossession. 

The vehicle has been repossessed and auctioned off and it is still reporting monthly and negatively on my credit. They 're extremely unprofessional and without doing is against the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX been paid down with XXXX Fcra violation Transunion refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way
Product: Credit reporting or other personal consumer reports

On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true.

I have made two payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. XXXX sold account balance paid in full XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus never did a proper investigation according to the FCRA The Term investigation consumer report means a consumer report or portion thereof in which information on a consumers characteristics or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

they did not do this.

Also, they have violated my right even more in accordance with the Fair Credit Reporting Everything has to be 100 % Accurate on my credit report.

The Credit Bureaus stated account # was properly investigated but how is that possible if the address on file is inaccurate, place of employment,. This ground for removal, They have violated the law because according to In accordance with The fair Credit Report Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 this account has violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The identified transactions are not information related to any transaction by me as the consumer : XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report immediately I look forward to your response.
Product: Credit card or prepaid card

My issue isnt with a specific store credit card but it seemed to fit your categories best. This is a medical payment card to be used for medical expenses. 

Synchrony Care Credit Rewards Mastercard. I find their actions rather devious. They have promotional offers to charge your medical expenses and pay for them within a time period with no interest. You can also charge non promotional medical expenses. However, their billing statements do not reflect the difference between promotional and non-promotional and you can not apply your payment to non-promotional. This way you end up paying interest. Sneaky in my opinion. I am not sure how the money is applied but I certainly want to pay the non-promotional charge first to avoid interest fees. I called them and was able to apply a payment to the nonpromotional balance but was told the statements or online payments are not set up to do this. I have to can each time to do this. 

Buyer Beware!
Product: Debt collection

Southwest Credit Systems has violated several of my consumer rights. Specifically, they have failed to validate a debt at my request, which is a FDCPA violation, and have continued to report a disputed debt to the Credit Bureau ; another FCRA violation. 

Three certified letters were sent and received by the company requesting debt validation and they have failed to produce evidence of a contract bearing my signature and proof that the debt is valid. 

Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. XXXX 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

I have been trying to refinance my mortgage since XX/XX/XXXX. My current lender is Citizens Bank. I have a charge off of a HELOC in the amount of approximately $ 45K since XXXX. Every month since XX/XX/XXXX, I have had an automatic debit from my checking account for {$500.00}. Current balance is now approximately {$16000.00}. 

In order to refinance, I need a statement from Citizens that reflects my on time payments of this charge off for the past 2 years. 

Repeated attempts have been met with no response. This is the final document that I need to close on a refinance. 

Per Citizens Recovery Department, I was to send a request for the statement with my signature to XXXX on Thursday, XX/XX/XXXX. I informed them that it was urgent. No response. 

At the same time, I contacted Citizens Mortgage to get a statement for my current mortgage. I received that in 48 hours. 

This is the second attempt at refinancing and, in XXXX, my refinance was closed because of untimely document receipt. Once again, this HELOC statement was the only document missing during that attempt. 

I feel as though Citizens is deliberately blocking my attempt to refinance. My loan with them is at 6.8 %. I have been unable to take advantage of low interest rates because they will not release this necessary document. 

I am at my wits end. Filing this complaint seems my only recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, XXXX, and XXXX. This is causing physical and emotional harm to XXXX XXXX and XXXX XXXX becuase I had to give up my job to become a permanent, full time caregiver for my husband who developed a chronic illness due to the COVID-19 pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. SLS. LLC MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless SLS, LLC makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. SLS, LLC falsely reported late payments for the XX/XX/XXXX mortgage payment ( XX/XX/XXXX fell on a Sunday ). They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was check dated prior to XX/XX/XXXX. It was it not a late payment. SLS. LLC continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. I called Fannie Mae on XX/XX/XXXX regarding this false reporting. The agent told me that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD ME TO CONTACT SLS, LLC IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. I wrote to SLS, LLC and demanded the corrections.
Product: Checking or savings account

On XX/XX/2018 i have received a fraudulent check from Bank of the West and the purchaser name was XXXX XXXX. I would like to report this bank that they gave me a check with insufficient money that was fraude. I would like to get my money back of {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous certifies letters to all XXXX major credit bureaus including the Collection agency XXXX XXXX XXXX ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!
Product: Mortgage

I received a notice from Chase Bank that they are increasing my mortgage payment by {$100.00} per month due to an escrow analysis they did. They said they require a " cushion '' amount. I did not apply for the mortgage through Chase at Closing. My mortgage was sold to them. There was no required " cushion '' with the original lender. I am a XXXX senior citizen on a fixed income and I can not afford the {$100.00} per month increase. Now I fear I will lose my house. I thought the increase was a result of removing my car from XXXX XXXX who also holds my homeowners policy so I put my car back with XXXX XXXX and sent the refund to Chase Bank for the escrow account but Chase is now saying the {$800.00} payment did not decrease the monthly mortgage payment. Please help.