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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a background check for a future employer, I passed, but looking at it, I have an address of which I've never applied to, lived at, or known was even knew were here in the area. It states that it's an apartment, but the address is in a housing development. This is incorrect information because it'll hurt my chances of employment. I also have a second living arrangement that needs to be changed. The address given for the first error is XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX ... I did have an address at XXXX XXXX XXXX, the same apartment number. 

The second wrong address is XXXX VA, part of the XXXX area VA medical. It's a medical facility, not a residence. I'm really kinda weirded out by this because no one lives here as it's a medical facility. The address to that one is XXXX XXXX XXXX  XXXX XXXX, XXXX, WA. I've never lived in any VA facility nor will I ever. Yes, I'm a veteran of the XXXX XXXX, XXXX, but no, never been lived in the address.
Product: Bank account or service

I have contacted NetSpend 4 times via email regarding my inability to log in online. The issue is not due to clearing the cookies or cache of a browser because I can not log in with any browser on any operating system including : IOS, Windows, Linux, Chrome, Firefox, Safari, Internet Explorer. When I log into XXXX the page loops back to XXXX as if I have never logged in. 
This continues to perpetually loop. I am, however, able to log on to the mobile app and access my information. It is important for a consumer to be able to access all avenues the service/bank provides. 
NetSpend customer service gets back to me no less than 48 hours after sending each email. My fear is that the mobile app will not work after the next update and I will have no ability to access my account and be forced to pay the fees that NetSpend requires to make a call to the bank for any reason. 
XXXX XXXX
Product: Mortgage

On XX/XX/2022 I sent a letter to : Home Mortgage Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX TO WHOM MAY CONCERN : I am writing you this letter because I would like to request a copy of the mortgage contract binding both parties by certified mail. Also could you please attach the validation of the debt and a signed invoice. 

Thank you for giving this matter your immediate time and attention. If there is anything further needed from me, please contact me by mail and confirm all communications in writing. 

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
Wells Fargo sent this letter to XXXX XXXX, Executive Office Case Specialist WF, and he sent some paperwork where he didn't attached the copy of the mortgage contract binding both parties and signed invoice. 

XX/XX/2022 I sent this letter to XXXX XXXX. 

Dear XXXX XXXX : I have sent several letters stating to keep all communication in writing, I would like to keep all correspondence in writing for evidence purposes. 

The paperwork you sent has only my signature in there, and for a contract to be legally binding it must be between two different parties, the contract has no signature for the second party ; which is why I brought it into question. 

Since you are stating that the debt has been verified, I would like a copy of the accounting showing the origination of the debt. 

Ive been led to believe that banks can not loan out their money but can only buy security interest, so if that is true, then who originally funded the loan? 

Thank you for reaching out to me, it is very much appreciated. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

As you can see, I written down to contact me by mail and confirm all communications in writing, but they keep harassing me with the calls and XXXX XXXX keep calling leaving messages to please call him back. Also, I have been getting phone calls from different representative from Wells Fargo Home Mortgage. 

On XX/XX/XXXX, XXXX XXXX Executive Office Case Specialist/Enterprise Complaints Management office XXXX sent a letter responding : We've completed our review of your request for documentation and information. We've determined the items you requested are considered confidential, privileged and/or proprietary information of Wells Fargo XXXX For this reason, we're unable to provide the documents and information requested. 

I would like to know why any information regarding this account, its information that I don't need to know ; seen as the account is mine and all my information has been giving to Wells Fargo. 

I would also like to know why Wells Fargo sent somebody to my house to put a vacant slip, when I still live here with my family and I have not received any letter regarding that action ( vacancy or foreclosure ) nor we haven't gone to court regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband was XXXX in the hospital, he went in XX/XX/2020 he died on XX/XX/2020, the reason I bring this up it is the about the time I decided to pay off my Capital One account. On or about the XX/XX/XXXX I talked with XXXX and XXXX with Capital One telling them that my account would be paid in full. I overpaid so they sent me a check for {$960.00}, Ck. # XXXX from Capital one dated XX/XX/2020. This account was closed XX/XX/XXXX, because my last payment before it was paid off was {$450.00} which brought my account to {$12000.00}. This was paid in full and closed. In fact I paid an OVERage on the account which is why they sent me a check in the amount of {$960.00} XXXX which I will scan for your review ). 

On another note XXXX 's Credit card was closed because the store closed which is associated with XXXX XXXX. It was closed on XX/XX/XXXX. I was a valued customer but due to circumstances beyond my control, the store had to close due to the economy.
Product: Debt collection

COLUMBIA DEBT RECOVERY Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above I wrote them about validation of debt and immediate removal on XX/XX/XXXX and they have yet to respond. This is a violation
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to trafficking- debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX  $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX/XXXXXXXX
Product: Debt collection

Receiving up to five calls a day. Applying payments only to interest for several years, then transferred account to collections department, when I complained about that. Harassing conversations with branch until account transferred. Transferred account without notifying me first and changed account number.
Product: Debt collection

I paid a debt to IC Systems in the amount of {$400.00} as a settlement for a XXXX XXXX account. I was informed once this payment was made this would be removed from my credit report. This account is still reporting now with a XXXX  balance however it was suppose to be deleted. The company is now refusing to delete the collections account from my credit which continues to have a negative impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

written XXXX letters on XX/XX/XXXX, and informed them that I am a victim of XXXX, Experian security breach. Requested that the following inquiries deleted off my credit report. Experian never responded to me. The inquiries doe not belong to me : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX bill on my consumer report. I sent a-lot of letters to creditors and the bureaus about this matter Also they have been reporting late payments to closed accounts thats been charged off which is illegal by consumer law. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  By provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX XXXX, I have the right to a Fair and accurate credit report and are required to remove any information that is not true or accurate.I demand these Accounts mentioned to be removed immediately permanently.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I requested a free credit report from my.equifax.com. However, when I attempted to view the report on their website, I received a message stating " We are temporarily unable to complete this request. Please try again later. '' I called the customer support line, and the agent told me she would escalate the issue to a technical team, and that I would receive an email from them within 7-10 business days. 

I never received any communication from Equifax, and the issue on the web portal remains unresolved, so I called the support line again on XX/XX/2023. I was told that they would escalate the issue again (? ) and that I did not receive an email because the team was unable to resolve the issue. I was told that there is nothing that can be done, and that I should wait for another 7-10 business days.
Product: Mortgage

My husband and I have owned a rental property for over twelve+ years. The mortgage was an ARM and the amount went up over the years that we had to pay monthly. The other expenses of the house also increased quite a bit, to the point where we were no longer able to pay the mortgage. Over the years we spent all of our savings trying to pay the mortgage thinking it would work out but it did not. We had to default about a year ago ( XXXX 2014 ) and applied for a loan modification. We were denied the loan modification because the lender ( Chase ) refused to consider the rental income from the property for no apparent reason. All they will say is that this is their " guideline. '' Also they insist on imposing a XXXX % " vacancy rate '' on other rental income we receive on other properties, when we have never had a vacancy rate anywhere close to that. This results in our income appearing to be vastly lower than it really is. We have now applied twice for a loan modification and were denied a second time for the same reason. Chase will give no explanation as to their reasoning. They seem to be determined not to give us a loan modification. They make up their own rules to suit their desired outcome. We are not asking for any debt forgiveness, just a lower mortgage payment. We have no idea why it would be so hard to give a loan modification. It would seem preferable to a foreclosure or short sale for them, but perhaps they have some hidden reason why they want our house. They are completely unreasonable and have been very difficult to deal with. They call us constantly, harassing us, when we were actually waiting on their decision. I take their calls and talk to them and it is always a different person who has no idea of the specifics of the situation, they are just calling to harass us.
Product: Mortgage

On XX/XX/XXXX I received my monthly mortgage statement from Citizens One Home Loans that I have been paying for on time for the > 7 years. On this month 's billing statement was a line item that said " Borrower Recoverable '' {$800.00} I received no other correspondence from the company explaining what this was for. I called XXXX and the customer service department said it says Bankruptcy Attorney Fees. I said for what, I did file for a Ch XXXX reorganization in XX/XX/XXXX but I didn't include this mortgage in the Bankruptcy and my Petition states this home and mortgage would be retained by me and paid my me monthly to the bank as always. 

They said we don't know let us connect you to the Bankruptcy Department, so they did and I spoke to XXXX told me since you filed a BK we had to review it, I said ok, and you seen this mortgage wasn't included and I've been continuing to pay it on time as always no interruption. He said sorry mam that's our fee. I asked to speak to his manger and XXXX said she's not in, I asked for her name and number and he said sorry we don't give that information out. And he suggested I call my own attorney and have him call them if I'm not satisfied with his answer basically it is what it is?? His attitude was like you filed bankruptcy these are your consequences?? 

I said this just doesn't seem fair? Sorry mam that's all I can tell you. So its ok for a misc {$800.00} fee to be added to your monthly mortgage invoice? and I get a vague answer and this loan wasn't even part of the Ch XXXX reorganization? 

I wasn't sent any other notification telling me about this practice from Citizens One Home Loans and my 2 other Mortgage Companies didn't do this?? 

I had to file for Ch XXXX because my husband hasn't worked in 5 years due to illness and I have XXXX children and I couldn't keep up with all our monthly bills, I needed relief and for them to slap me with this additional {$800.00} when I never stopped paying them is just absurd? 

Can you please contact them about the legitimacy of this recoverable? And their lack of proper notice to me about it? I'm am still in financial hardship and for them to pass this attorney fee onto me is just unfair. 

Thank you for your help
Product: Checking or savings account

again, after trying to resolve the issue with my money the bank keeps saying that they will not give me money. Basically, they are not taking responsibility of my funds. I just want to stablish the fact that Wells Fargo bank will not help me. They called me XXXX days ago and said my money was coming back to me and they lied. They person that called me XXXX XXXX XXXX. He told me my money was released to me but he lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my Credit Reports, I noticed there were unauthorized inquiries listed. I never received correspondence that my credit was pulled using these sources and XXXX did not have permission to furnish my report to these creditors listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting that I am late where i sent supporting documents and the company did too. I have spoken to a representative they advised me that noone is really taking the time to research the account. Attached is proof and my ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report erroneous, unfair and incorrect information that is on my fcra. Listed is the facts and nature of the case. I have had trouble with the XXXX Virginia court system before and instead of correcting this error I have to pay the price and am losing employment offers.I don't know how you can continue to spread lies and call yourself a justice system. XXXX and Accurate have not responded to my attempts to explain the situation. This is now my third attempt. 

I found out that I have outstanding warrants in Virginia, I've lived in Florida for 4 years now. I'd like to discuss right now why it is a non issue and that it should not impact my working eligibility in any meaningful way. I literally just got off the phone with the XXXX Virginia Sheriff 's department that can be reached at XXXX and he explicitly told me that XXXX will NOT take action against me and they will NOT extradite. The driving on suspended license should not be an issue since I have a valid drivers license in florida now. I have worked hard to stay out of trouble since living in florida and am ready and motivated to begin working as soon as possible. Should also add for the record that I am in good physical and mental condition and have done this job before, twice in fact. So we are clear and upfront about the situation and there is nothing preventing me from getting this job, thank you for your consideration XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was told that I was approved for {$8900.00} on Amex Everyday Credit Card and that no reallocation of limit would be processed unless I initiated the process once I received the card. I was also told that I could process a balance transfer of up to {$5000.00} so I did and I transfered {$2500.00} from my XXXX  XXXX XXXX and {$2500.00} from my XXXX XXXX XXXX. I was instructed that the transfers would take 10 days. 

On XX/XX/XXXX I noticed my credit limit on my Amex Blue Cash Everyday card which I've owned since XX/XX/XXXX had been reduced by {$6900.00} and had now a limit of {$8100.00}. I called in to inquire as to why this had happened representatives told me that the limit was relocated to my new card in order to match my initial approved amount of {$8900.00} on the new Amex Everyday Card. The information that was given to me at the application was misleading and deceptive since I was told no reallocation would be processed unless I initiated the process once I received the card and I was offered to transfer of up to {$5000.00} in balance transfers on a card that supposedly was only approved for {$2000.00} this to me is a bait and switch technique. I was then connected to a Credit Reallocation specialist which offered multiple times to reverse the reallocation to which I declined multiple times stating how important those balance transfers were to me and the importance of having enough credit limit to cover them. The desired resolution that I offered was to have a specialist call me back to honor the initial approved amount of {$8900.00} on the Amex Everyday card without the use of relocating or having to do credit limit increase since the mistake was not mine. A callback was scheduled but I never received a call.

On XX/XX/XXXX I received an email stating the my balance transfers were declined to which I called and was told that there wasn't enough credit limit on the card to process the balance transfers and to call back on monday since there was no specialist that could help me at that time.

On XX/XX/XXXX I called and no specialist would assist me stating that they could only process a reallocation of limit or a credit limit increase to which is not a reasonable resolution from a consumer standpoint when facing a clear violation of the UDAAP. The representative offered a call back from his supervisor next day to provide a resolution but no call was made. 

On XX/XX/XXXX I called back to initiate an investigation on the violation of the UDAAP since at this point im receiving substantial injury do to the fact that i'm stuck paying unnecessary interest on the other cards since the balance transfers where supposed to process on XX/XX/XXXX. Relocating and reducing the limit on the card did not outweigh the benefits. This was also not reasonably avoidable to me since I reasonably relied on the initial approved amount of {$8900.00} to process these balance transfers. A call back from a supervisor was scheduled but was never received.
Product: Mortgage

I've been trying to get the escrow account on my mortgage closed for 6 months. I submitted all the paperwork in XX/XX/2021. They verified receipt of the paperwork. It's been almost 6 months since then and it's still not removed I've called 1-2 times every month with no resolution of the issue. I keep being told it's reviewed and no one can do anything about it. I've been told it will be resolved by a certain date multiple times ; those dates have come and gone. Customer support has been completely useless in helping.