23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was trying to purchase tickets for XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Bank of America credit card didnt work for some reason and after several attempts to pay with the card including calling their customer service, they sent me the invoice for wire transactions. Being unfamiliar with sending money abroad, and to avoid any mistake I went to the nearest Bank of America Office to make the payment. They filled out the documents and sent the money. After XXXX weeks I contacted XXXX customer service, and I found out that they still have not received them. I asked my bank to help me trace the money and send me the confirmation. I have never received any credible information, my money has never been returned to my account and according to the recipient, they didnt receive it either. 
I spent countless hours calling the bank and trying to get any information. I've been transferred back and forth to different departments with the main goal of getting rid of me. Then, they began to give me contradictory information like the trace request was sent but the bank didnt respond, we didnt send it, somebody sent it in the wrong way etc. Eventually, I sent the documents to the XXXX customer service, and they went to the financial department, and they told me that they failed to add XXXX letters that were at the end of the account. I went to the bank asking them to fix it and to clarify the payment, but they failed to do that either. Then they told me that we must wait 90 days before they could start the investigation, then eventually, after several trips to the bank during my working hours as they are closed during weekends, we filed the complaint that was rejected after several months, and the reason was stated that the complaint was made outside 60 days requirement for disputing the transaction. So far nobody is willing to find out where is my money and assist me with tracing it.
Product: Mortgage

Hello, We are not sure what to do.. We think we are being scammed by Wells Fargo-we have been paying them for over 9 years and nothing has gone to the principal on our home on an {$85000.00} loan. We still owe over XXXX. We can get no answers from the and we also told they service the loan only. We were told by a rep that he could not disclose to us who owned the loan. We looked up on XXXX to find out who owned the loan and they told us Wells Fargo took it in 2007, which is what we understood when we refinanced our home to do improvements. We have had nothing but trouble with them-impossible to get answers and communicate. We have asked about getting the interest rate lowered by refinancing when the rates were so low but got the run-around. We have spent so much time on hold and being transferred, ect, ect, we are worn out and hve given up many times due to frustration and keep on paying. We have never been late except XXXX time when WF took out XXXX mortgage payments-we had to fight them and they said the only thing they could do was return both payments and then take out the one we owed. When they did this, they reported our payment as late when it was not. We have never been able to get them to correct this. We are worried they are not applying our loan payments correctly.
Product: Debt collection

only {$190.00} was owed to Wells Fargo. not the amount reported.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX : XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish 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 inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information account. 

Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

XXXX XXXX XXXX Amount Reported : {$17000.00} Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Credit inquieries that I did not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXXAfter being denied a loan due to what was reported on my credit reports I have been trying to get my reports information correct I received a letter from transunion dated XX/XX/XXXXwith their version of my corrected credit information It has on there a XXXX XXXX XXXX inquiry it states that the inquiry was put on my transunion credit report on XXXX If transunion reviews my XX/XX/XXXX report as I have a copy of it. 
THERE WAS NO XXXX XXXXXXXX XXXX inquiry made on XX/XX/XXXX On my XX/XX/XXXX report BUT TRANSUNION sent me a XXXX credit report copy that has XXXX XXXXl inquiry of XX/XX/XXXX Why is that?
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about inaccuracies found in my credit report regarding my XXXX XXXX account ( # XXXX ). Upon reviewing my credit reports from XXXX, Experian, and XXXX, I have identified inconsistencies and incorrect information that I request be investigated and corrected immediately. 

The following details highlight the discrepancies : XXXX Report : The high balance is reported as {$1800.00}, whereas Experian lists it as {$0.00}. 

The Dispute Status states that the account was " not disputed, '' yet Experian shows the account as previously disputed and resolved. 

The Payment Status reports the account as charged off as bad debt, which does not align with other bureau reporting. 

There is a discrepancy in the Date of Last Activity ( XX/XX/year> vs. XX/XX/year> as reported by Experian ). 

Experian Report : The High Balance is incorrectly reported as {$0.00}, which contradicts XXXX report. 

The Payment Status states Unpaid balance reported as a loss by the credit grantor, which is inconsistent with TransUnions reporting.

The account was previously disputed and resolved, yet XXXX does not indicate the dispute status correctly. 

XXXX Report : No information appears to be reported for this account, which raises concerns about incomplete or missing data. 

These inconsistencies are significantly impacting my credit profile and require correction. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be deleted. 

I have attached copies of my credit reports highlighting these discrepancies for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to Equifax, XXXX  and XXXX. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on my Equifax, XXXX  and XXXX  report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want Equifax, XXXX  and XXXX  to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig  has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from Equifax, XXXX  and XXXX  as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I have disputed this account on XXXX XXXX XXXX. Both Equifax and XXXX report no late payments. XXXX reports 5 late payments. XXXX has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX XXXX XXXX I have disputed this account on XXXX XXXX XXXX. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX XXXX  I have disputed this account on XXXX XXXX XXXX. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection agency Grant and Weber is reporting two accounts that have been disputed in the past. The company did not inform me of the reinsertion.
Product: Credit card or prepaid card

I will like to file a complaint against Navy Federal Credit Union. They closed all my checking account and credit cards due to me signing my grandparents up for a new account using my phone. I am unable to use my account or access my credit cards. They closed my account without any knowledge. I tried to fix this problem over and over again. They are expecting me to payback these credit card without be able to use them.
Product: Debt collection

Portfolio Recovery Services Associates , inc, contacted me via Mail about collecting a debt. They contacted me by mail on XX/XX/XXXX and identified the debt. 
I do not have any responsibility for the debt they are trying to collect. This item has been disputed on my credit report since XX/XX/XXXX XXXX credit bureau documentation available. Portfolio Recovery Services made an unauthorized/fraudulent inquiry to my credit report profile in XX/XX/XXXX and followed up with a letter XX/XX/XXXX for a debt I am not responsible for. 

Lastly, the I do not and have not given Portfolio Recovery Associates permission to obtain my credit reports or any information about my credit profile. The last status update reported by XXXX, XXXX and XXXX was XX/XX/XXXX per Annual credit report documentation. Per Federal law this debt is over 7 years .Cease and Dismiss obtaining my credit report illegally for a debt that is not valid. 

This is illegal to Re-aging debt is when a debts status changes on credit reports to make it appear as a newer debt. It is illegal for Portfolio Recovery Associates debt collectors to re-age XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital one was the first institution I joined to take care of my money because of their 360 savings account. I decided on opening a checking and savings account because their 360 account was labeled as a HIGH YIELD SAVINGS account. The 4.35 % was very interesting to me. Without notice, capital one changed my percentage that went I noticed until the account was closed. That savings account was open for almost a decade. The lack of integrity & customer safety by capital one is appalling.
Product: Mortgage

On XX/XX/2020, I started an application process for a Refinance HomXXXX Mortgage with a new lender. The new lender already approved an excellent interest rate with a lower monthly payment compared to my current lender. Now, I did applied for a forbearance program with my current lender in XX/XX/2020. But I reinstate my mortgage payment in XX/XX/2020. Well, my current lender has lien against my primary home and would release the lien. When I am trying to complete my new refinance mortgage process with the new lender. My current lender is claiming that I have to wait 3 months after XX/XX/2020 before I can refinance with a new lender.
Product: Mortgage

I would like to file a complaint ( the XXXX time ) with Nationstar in regard to the MIP refund. We had received the resolution letter on XX/XX/2015 from our first case # XXXX and Nationstar promised me they would send us the MIP refund once FHA sent the money back to them first ( the refund had to go through the mortgage company first ). I called FHA XXXX to verify and they told me that the refund was submitted to Nationstar on XX/XX/2015. However, when I called Nationstar, they claimed that they still have n't received the refund from FHA yet as of XX/XX/2015. Could you please assist? This issue has been up for XXXX months and I 'm really hoping to get this resolved ASAP. Thank you!
Product: Credit card or prepaid card

On XX/XX/2019 after many years as a loyal customer I paid off the remaining balance on my home depot credit store credit card my line of credit was $ XXXX.to my dismay they days later reduced my line of credit to {$500.00}. Dramatically affected my fico score and damage my good name without any form of explaining to me why only after I called they e mail me a letter, along with another creditor I file a former complaints against home depot started a chain of negative information against me although I never paid late never used the line of credit over 20 % off their credit line given to me I truly feel discriminate and clearly while they decrease my line of credit another creditor raised it how can they explained that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified items listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Checking or savings account

Chase Closed my account with no prior notice, they claimed to have tried to contact me but i received no letter or missed calls from them. i tried calling multiple times to get an answer as to why it has been closed but they do not want to disclose why. it all started on XX/XX/2023 when i tried to purchase some groceries and my card was declined, went to the bank they said my account was closed and they couldn't tell me why. there is currently XXXX in the checking account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

Hello, Someone opened a Bank of America Visa credit card in my name. The new credit card was sent to my home address. They somehow linked the visa credit card with my Bank of America checking account. On XX/XX/2022 they were able to transfer {$7600.00} out of my checking account with the help of a Bank of America employee. On XX/XX/2022 they pulled out {$7100.00} with the help of a Bank of America employee. They also used the visa card to buy large purchases. I noticed these fraudulent activities XX/XX/XXXX. I then called Bank of America customer service and they froze my accounts. I withdrew the remainder of my money from the bank. Since then I have tried calling the bank every day talking to different people no one seems to be able to help me. All Bank of America says that I might get my money back but they will not guarantee it. They say I shall get an email maybe in a month to let me know.
Product: Debt collection

Phone calls have been made to me from the following phone numbers : XXXX ( XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ). When I call these numbers back they have no record of me or of calling me. The women at XXXXXXXX XXXX I talked to said it was weird because her phone rang for a second with a restricted number and then stopped ringing. I believe this debt collection agency is spoofing govt phone numbers and pretending to be them to collect a debt that I don't believe I owe. I can't imagine this can be legal? The information I have gathered is XXXX debt sold to NMRC, they have called my father and stated they were the circuit court and papers would be delivered to my home between XXXX and XXXX that day which never happened. He was given a phone number of XXXX and ref # XXXX for me to contact them.
Product: Student loan

I consolidated my loans into direct loans this summer. Then after I found out the payments from my bank were going to the wrong address I canceled the auto payments from my bank. Navient received the payments and deducted the money from my bank account via the checks that I sent them from my bank. One check of {$150.00} on XX/XX/18 and another on XX/XX/18 for the same amount. I double checked my bank account and the funds were withdrawn. Once Navient got the payments, they reversed the payments of - {$150.00} on both payments. I still have not seen the checks in the mail or the money returned in my bank account. 
I have called them 3-4 times in the last 2 months and also sent them an electronic message which they replied to on XXXX XX/XX/2018 and said their customer service is looking into it. 
I used the phone number XXXX. 
I called XX/XX/2018 at XXXX XX/XX/XXXX at XXXX, XXXX and XXXX I called again XX/XX/XXXX at  XXXX XX/XX/XXXX at XXXX Each time they told me to either wait or that someone is looking into it. 
I'm still waiting on the {$300.00} refund.