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

I received an updated experian credit report today and still the accounts that I am disputing are still reporting. I tried to call experian XXXX you can't get through to speak to a person. I then tried to dispute the information ( AGAIN ) online and was unable to do so. There are 3 accounts that should not be reporting on my creidt report. 1 ). XXXX XXXXXXXX XXXX this account was deleted off my XXXX   report after there investigation. Experian should have received the same response and delete but they did not do it. 2 ). XXXX XXXX XXXX XXXX XXXX. This is a fraudulant account with fraudulant charges. It was investigated by XXXX and determined that there were fraudulant charges and deleted off my XXXX  report. Experian ( if they did a real investigation ) they would have received the same response to remove off the report. 3 ). XXXX department store. This account was NEVER paid late and again XXXX fixed it and put this account as accounts that are satisfactory and took it out of accounts that are potentially negative. Also my balances on my 2 XXXX XXXX cards are incorrect I do not owe as much as what they are reporting. My balances are much lower. Also my XXXX 's card I do not owe the balance they are reporting. I have been trying to clear this and fix my credit report to show the truth and experian I feel is not doing a complete investigation. I have also been threathened they will not re-investigate the XXXX  XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX unless I provide additional documentation. I should be able to dispute this as many times as I want as this is my creditworthiness and having this incorrect information is causing me a hardship. I can't even get to speak to a human to clear this problem.
Product: Checking or savings account

This is a forgery case. I made/wrote a check through my bank account with Capital One ( to Person A ). The check was sent ( to Person A ) via mail/USPS and it got intercepted. The person who intercepted my check ( Person B ) cashed my check at a XXXX XXXX XXXX for a big amount which I would expect XXXX XXXX together with Capital One to follow security protocol and not just release a big amount of money to any individual. I filed a claim with Capital One on XX/XX/2022. We are about to hit 3 months and neither has XXXX XXXX nor Capital One have made me whole again. I have provided all the documentation that XXXX XXXX has requested ( Affidavit of Person A testifying that they never received my check nor cashed it, A letter of Circumstance, a Police Report, Texts, photos, emails ) through Capital One 's Investigator and I have not received my stolen money back or made whole again. I don't understand how my hard earned money was given to the wrong person in a few minutes, yet I have to work hard, provide evidence, and wait for almost 3 months and I still don't have my money back. To top it off, XXXX XXXX has a bad reputation and bad background when it comes to handling money and stealing from their customers - I don't understand how they are still able to conduct business with such history. All I want is to be made whole again as this situation has not only made me sick/ill with stress, but I have missed on the opportunity of using my money for projects I had already planned for. I would like that both Capital One and XXXX XXXX be contacted and requested to make me whole again as soon as possible.
Product: Money transfer, virtual currency, or money service

This case is not a duplicate case. This is the issue Im having with Merrill Lynch. My withdrawal request has been wrongfully denied and I have proof in the attachments provided to support my claim. 
In response to Complaint ID XXXX, I want to reopen this case based on the provided information. Merrill Lynch only addressed XXXX approved application prior to the application submitted on XXXX XXXX. I have submitted a total of XXXX approved appplications using the same document I have provided prior to the applications that was submitted on XXXX XXXX. I just find it hard to believe that on XXXX different occasions, XXXX different analyst has misread or overlooked the application. Even though the application does not request payment verbatim, it is still an eviction document that my XXXX XXXXXXXX provided. I dont think I can ask them to reword their notices. This is what Merrill Lynch is asking for when you submit an application. Reminder, the website does not state that the eviction has to be preventable. Per Merrill Lynchs website these are the requirements to qualify for a hardship withdrawal .Here is the option I selected : Eviction of Principal Residence The need to prevent eviction from your principal residence. Next, per Merrill Lynchs website these are the requirements for this option. Eviction address MUST match the address on your account. If your permanent address on file is a XXXX XXXX XXXX your signature on this application attests to the fact that you are being evicted from your principal residence. 
Correspondence requesting payment ( e.g. late notice ) without threatening eviction WILL NOT be sufficient. The originator of the eviction notice may be contacted for additional information. 
By signing this application you authorize such contact. If the supporting documentation provided includes a notary, the application must be submitted via XXXXXXXX XXXX 
A copy of a letter from the landlord dated no more than XXXX days prior to receipt of your application indicating you are going to be evicted. 
The letter must include the amount that is needed to prevent eviction, the eviction address, the landlord 's name, address and phone number. 
The letter is to be on the apartment complex / realtor letterhead ( XXXX ) the letter must be notarized. 
The requirements does not state that the document must say that the eviction is preventable. 
The reason for the denial is not listed as a requirement.
Product: Credit reporting or other personal consumer reports

please look at the supporting documents i have uploaded in regards to my XXXX XXXX  case i currently have pending. XXXX
Product: Credit reporting or other personal consumer reports

I Do Not Recognize the following inquiries as listed : XXXX ( Bank XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX please remove from my credit report immediately. Thank you.
Product: Mortgage

I applied to modify my loan on  XXXX   XXXX ,  2017 . I submitt ed a full package of information including the Uniform Borrower As sistance Form and reasons for my need for modification including a severe medical hardship, to the bank. In a matter of a few days they claim to have fully reviewed my file and denied my application on  XXXX   XXXX ,  2017 . They claimed they could not approve me for a modification due the fact they could not lower my payment sufficiently. The bank proposed a higher interest rate at 4 % compared to the 3.5 % interest rate I am paying now and said they could n't lower my interest payment. Additionally rather than extending the time within I could pay off my mortgage, they shortened the total number of mon ths from what the amortization date is. Based on this criteria of a higher mortgage interest rate and shorter time for full payoff of course my monthly payments would increase and this is contradicting to what Nationstar is advertising on their website under help for homeowners. The following was copy  and pasted directly from their website   " LOAN MODIFICATION If you 're facing long-term hardship, we can see about modifying your loan so it has more manageable terms.
<P/>
While refinancing means replacing your existing loan with a new one, loan modification keeps your existing loan and changes its terms.    <P/> If you qualify for loan modification, we 'll look for a way to reduce your monthly payment. Maybe we 'll be able to lower your interest rate. Or maybe we can extend the loan 's timeframe so we can lower each month 's payment ''
Product: Money transfer, virtual currency, or money service

Since Ameris bank has decided in XXXX to close my account, the bank has executed, without any order or agreement from my part, a transfer to an unknown account We sent several emails to the manager to have more details about this transfer to resolve this issue immediately We just received a quick answer Good afternoon, My apologies for my oversight. I don't recall your original email. 
It appears the amount was an automatic transfer to an external account Thank you, We tried to get more information by phone 2 times also, without success.
Product: Vehicle loan or lease

Westlake took over servicing my car lease from American Car Center. After not validating the debt properly Westlake Repossessed the vehicle, they over charged on repossession fees and they never sent a right to cure letter. My vehicle was picked up on XX/XX/23 and as of today XX/XX/23 I have received no paperwork about my vehicle, only a bill every two weeks. I believe they sold the car on or before XX/XX/23 because the title was updated that day, I was given no notice of a sale taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing up on my credit report. This account is not mine. Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/20
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX i was told to confirm my address to get refunded by a check for {$800.00} which I did, and I was told by their resolutions team I should receive the check in XXXX calendar days, which would include the weekends, which I should have my check by Friday XXXXXXXX XXXX XXXXXXXX, however I was also told by their customer service that its XXXX business days, not calendar days. So now I am being mislead and lied too, and they only thing they could do is apologize, this doesnt how a company should be ran? I just want transparency from this company, because Im told multiple different things by different people, and being lied too, and mislead.
Product: Mortgage

I own a condominium, where my elderly relatives live.I have been trying to modify the loan for several years and every time I apply for a modification, it is denied. The servicer os Wells Fargo, During the modification process, Wells Frago requested that I will need to make exorbitant payments of " A Repayment Plan calculates the borrowers ability to pay the regular contractual payment, plus a portion of the past due payment over a 12 month period. Due to this loan is 150 months past due with a past due balance of {$160000.00} this option is not affordable as the borrower would need to be able to pay {$16000.00} per month. 

An Extension plan takes the past due payments and places them on the end of the loan term, thereby extending the loan term by the number of past due payments. In this scenario the borrower must be able to afford the current contractual monthly payment due to the extension plan does not reduce the payment amount. Even if the payment was affordable the Extension plan still would have been denied as the Extension plan can only extend the loan by 12 monthly past due payments, and the loan is past due for XXXX payments. The decision stops at the first denial reason available, so that is why the extension plan has a denial reason of can not afford modified payment and it did not list the secondary denial reason of outside delinquency limits. 

The Proprietary modification was denied due to an affordable modified payment could not be made. The modification was calculated with the maximum term allowed of 480 months and the minimum interest rate allowed of 2.00 %, which resulted in lowering the payment, however it was not enough to meet the affordability requirements. 
UPB {$200000.00} 480 months 2.00 % P & I {$600.00} Taxes {$300.00} HOA {$360.00} Total Modified PITIAS {$1200.00} Primary Residence PITIAS {$2400.00} Total Housing Payments {$3900.00} The borrower has {$4900.00} in other credit debts, which calculates the total DTI at 89.990 %. Due to this being an investment property the total DTI can not be over 55 %. " I also applied for a deed in lieu and Wells Frago denied the request, stating that the document I provided was invalid, although, I did not provide any documents. There is no valid explanation and my relatives will be left to live in the streets,
Product: Credit reporting or other personal consumer reports

You Trans Union are reporting inaccurate information to my consumer report! 
The account XXXX Account # XXXX is inaccurate and the information is incomplete. This account is being disputed in its entirety. I have attached my credit report showing incomplete and inaccurate payment history. 
XXXX. How was the last payment made in XX/XX/year> when the payment history shows XXXX in XX/XX/year>? 
XXXXThis account was not paid in full. It was paid for less. Why is the account showing late payments? 
XXXXThis account is not a debt anymore. Must be deleted. 

SEE DOCUMENT ATTACHED You have an obligation by law pursuant 15 USC 1681e ( b ) ( 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. 
Promptly Delete this inaccurate and incomplete account from my consumer report.
Product: Credit reporting or other personal consumer reports

** [ Your Name ] ** XXXX XXXX XXXX ** [ Your Address ] ** XXXX XXXX XXXX ** [ City, XXXX, ZIP Code ] ** XXXX, XXXX XXXXXXXX ** [ Your Email Address ] ** XXXX ** [ Your Phone Number ] ** XXXX ** [ Date ] XXXX **Consumer Financial XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX **Subject XXXX Complaint Against Trans union for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to file a complaint against Trans union regarding their handling of my credit reports and their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically the following sections : 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
**Background : ** My name is XXXX XXXX XXXX XXXX and I have been actively working to improve my credit. I sent dispute letters to Trans union on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite my efforts, Trans union has not complied with the legal requirements under the FCRA to conduct a proper investigation of my disputes or to remove inaccuracies from my credit report. 
XXXX Accounts in Dispute : ** 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 I recently became aware that Trans union did not properly investigate the disputes and fails to remove or reinsert errors on reports, thereby threatening consumers ' access to credit, employment, and housing. 
**Request for Action : ** that the account be removed asap Given the circumstances, I request that the CFPB investigate my complaint against Trans union for their non-compliance with the FCRA XXXX I seek resolution in the form of : - A thorough investigation into my disputes. 
- Correction of any inaccuracies on my credit report. 
- XXXX that Trans union will follow proper protocol in future investigations. l appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XX/XX/XXXX: Account Number : : Account XXXX Account Name : XXXX XXXX : Account XXXX : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account XXXX : XXXX Account Name : XXXX. XX/XX/XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XX/XX/XXXX: Account Number : XXXX And lists of unauthorized inquiries that don't have XX/XX/XXXX to be on my credit report XX/XX/XXXX5 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. 

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 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

they lied to me about the {$900.00} loan and was trying to charge me over {$1000.00} for a {$900.00} loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to 'investigate ever piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number : XXXX : XXXX - XXXX - XXXX - XXXX - XXXX Experian : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX According to the FRCA the term " investigative consumer report '' means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained 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 stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a credit report showing the inaccuracies. 

XXXX : Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX EXPERIAN : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX