23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have XXXX loans on my home. The first mortgage after much stress, hassle & lies from this bank, I finally received a loan modification. The XXXX loan is a HELOC with " Wells Fargo ''. They told me that if I could get a loan mod from the first lender it would be much easier to get modified with them. They denied me twice, saying I can afford the monthly payment as is. Which seems to have nothing to do with any reason to deny an approval. The payment would have to go up regardless & if I made less money they would say I could not afford it & be denied as well. They even added {$1000.00} to my gross income, of which I do not make. So apparently there is no such thing as approval in any case.There is only an {$8500.00} ( approximate ) delinquent amount. If this amount was simply added to the loan amount it would be about {$20.00} more per month in payment. So they would rather foreclose on my house than to increase my monthly payment by {$20.00}. This is outrageous. 
In 2 years this HELOC will end anyway & the entire amount will be due. If I refinance it will increase my payment by about {$600.00} more per month + the cost of the refinance fees. I only have 2 years on support payments left & then do not know if I will have any income at all after that. I was a homemaker and almost XXXX XXXX XXXX now. While my ex still enjoys his XXXX figure job & lavish health insurance. He was the one who caused all of the delinquent payments in the first place. The only choice I am given is to come up with the {$8500.00} payment. How do they figure that I can afford that? I am currently making the month payments & have been for the last couple years. It is only the delinquent amount at issue.
Product: Prepaid card

On XXXX XXXX, 2017, my card was compromised for {$190.00}. American Express alerted me of the fraudulent charges, however, they are refusing to refund me my money.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX. Account # : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL DISPUTE XXXX 30 DAY DEMAND XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX ACCT XXXX IS REPORTING INACCURATELY AND INCOMPLETELY. 
EXPERIAN HAS CORRECTED BEFORE AND REFUSES TO REINVESTIGATE.XXXX XXXX XXXX XXXX EMPLOYEE XXXX SAID ACCT WAS REPORTING CLOSED.ON EXPERIANS PRODUCT, EXPERIAN CREDIT WORKS PREMIUM THE ACCOUNT REPORTS OPEN. 
NO STATUS IS INCORRECT.THE ACCOUNT IS CURRENT, PAID AS AGREED AND CLOSED BY CONSUMER. 
EITHER CORRECT PERMANENTLY OR DELETE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, I disputed the information provided to XXXX by Neiman Marcus, serviced by XXXX  XXXX. At XXXX XXXX  on XXXX XXXX, 2020, I received an email from XXXX  confirming they received my dispute. On XX/XX/2020 at XXXX XXXX, I received an email stating the dispute investigation was complete. XXXX  reports the information is confirmed and correct. When I went to dispute again online, XXXX  's site did not allow me to dispute it again, stating they dispute was complete and I was not allowed again. Their investigation took less than 12 hours in the middle of the night. What was their method of confirming this data to be correct?! In the meantime, I have inaccurate information that is on my credit report that XXXX does not allow me to dispute again. 

On XX/XX/2020 I called the contact information for Neiman Marcus/XXXX  XXXX listed on the XXXX  credit report. When I called the number, it first asked for my account number. The account has been closed for many years. I finally got through to a representative named XXXX. She was unable to look up any information in regard to my account since it had been closed for many years. She then provided a telephone number at XXXX XXXX. I spoke with XXXX and he was unable to help me since the account has been closed and the reporting is done by Neiman Marcus. He transferred me back to Neiman Marcus, which sent me back into the same loop. 

Neiman Marcus, XXXX XXXX can not even find my account information to verify or correct the inaccurate information provided to the credit bureaus. XXXX investigates the dispute within 12 hours and verifies this inaccurate information that Neiman Marcus and XXXX XXXX can not even find. 

My credit score is adversely affected by the misinformation provided by either Neiman Marcus or XXXX XXXX or both. XXXX  falsely reports and falsely verifies false inaccurate information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used my chase checking account to send {$1800.00} through XXXX, to my wifes account at XXXX  XXXX XXXX. The money left my account immediately, but never went to the XXXX  XXXX XXXX account. My wife called her bank, as it said pending on the XXXX  XXXX XXXX app. They told us it was not in the account because it looked like chase never released the funds, and we needed to talk to them. When calling chase they assured us it was sent to XXXX, gave us the confirmation number and said we needed to talk to them. After numerous calls back and forth between the two banks relaying the info they told us it came to the conclusion we needed to file a claim with chases fraud department. After a week they reimbursed the money to the chase account. A week later we received a letter that the claim was closed, there was no fraudulent events and they were taking the money back out of the account. When I called them again asking why it hey said because the money was at XXXX  XXXX XXXX and there was nothing more they could do for us. Again we called XXXX  XXXX XXXX and they said chase never did anything to find the money, that they didnt have it and also could do nothing for us. Now our account is negative {$1800.00}, yet we still didnt receive the transfer money in our XXXX  XXXX XXXX account. Chase has closed the account and no longer want to help us as they said it is not their error. Even though XXXX  XXXX XXXX said as it is the receiving bank and doesnt have the money!
Product: Mortgage

On XX/XX/2020 I wrote out a mortgage check # XXXX in the amount of {$1200.00} and mailed the mortgage payment on XX/XX/XXXX. I have a two week grace period, up to the XXXX of each month before it is considered late. I received a letter from Provident Funding on XX/XX/XXXX stating that they did not receive the payment. I called Provident Funding on Tuesday XX/XX/XXXX and spoke with a representative about my {$34.00} late fee along with the missing payment. I gave the check number, and the representative on the phone looked in the mail to see if it had arrived and stated that it was not there. I called my bank and they checked if it was cashed, which it wasn't. For two days, I checked my account to see any account activity about check # XXXX. Thursday, XX/XX/XXXX, I canceled my check. Come XX/XX/XXXX, I wrote a new check # XXXX out for {$1300.00} and took it to the post office and paid for registered mail, so they had to sign when they received the check. As of today, XX/XX/XXXX, they have not received it and still wish to charge me for an unpaid mortgage, along with putting my name in credit collection.
Product: Credit reporting or other personal consumer reports

Collection still showing but creditor stating it was requested to delete
Product: Credit reporting or other personal consumer reports

i sent several letters to this company. XXXX XXXX  # XXXX has Charged Off this account, Therefore this account is considered a certificate of indebtedness. Certificate of Indebtedness is considered INCOME and can not be reported to a credit report. There- shall be removed immediately. To prove my identity, I have included copies of my passport and driver 's license. I've included a copy of the credit report with the same account for which Im requesting information and erroneous information correction. The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Product: Bank account or service

An company totally unknown to me named Certegy Check Services, Inc.has stated that they refused to allow my check to be cashed. This is from a legal class action court settlement ( Outage Alert Text Message Settlement c/o XXXX XXXX XXXX ), and guaranteed by law. Check # XXXX
Product: Debt collection

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove.Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Product: Debt collection

I have called Capital One Credit on several occasions to try to have my interest rate lowered because my payment is almost total interest. I have asked for any relief programs that they may have to no avail. I am a senior citizen on a fixed income, and my account with Capital One is currently closed, which I requested to try to get this account under control or to pay off. I have had no success with a interest rate reduction. Please advise. I need assistance to pay this account off. 

I have a ongoing medical issue and need assistance to try to pay this account in full, so I do not encounter any negative reporting on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please verify the following account below. Please update my credit report to show verification of this account which is reported incorrectly on Experian and XXXX, I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. I will be sending a letter by mail disputing the account to make sure is received and addressed. 

Date Account Opened Date Reported Date Of Last Activity Date Of Status Status Of Account Balance On Account XXXX XXXX - XXXX Open XX/XX/2021 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of ID theft and XXXX and XXXX  will not let me look at my credit online
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax numerous times and sadly I have to continue this fight to have them to remove inaccurately reporting accounts. In IRS Publication 4681 states that canceled debts or charged off accounts are considered

INCOME and income is not to be included in any credit reports. I am writing to formally dispute inaccurate information on my credit report that you have failed to properly reinvestigate, in direct violation of the Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Equifax for consistently failing to conduct reasonable reinvestigations of consumer disputes, mischaracterizing dispute information, and allowing inaccurate information to persist in credit files. I believe my case falls within the scope of these allegations.

The following account ( s ) contain inaccurate or unverifiable information : XXXX XXXX XXXX XXXXXXXX, ACCOUNT # XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX, ACCOUNT # XXXX : The Account was never late please remove the late payments from XX/XX/XXXX through XX/XX/XXXX. 
XXXX XXXX XXXX, ACCOUNT # XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. 

These accounts are reporting as Charged Off Accounts and Pursuant to IRS Publication 4681 Cancelled Debts/ Charged Off Accounts are classified as INCOME. The reporting of these accounts as debt is inaccurate. I never received a XXXX or XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX or XXXX XXXX XXXX for the cancelled debt. Income is not to be included in a credit report. So Please DELETE/ REMOVE/ BLOCK these accounts. Thanks I have attached supporting documents including screenshots from the IRS website.

Under 15 U.S.C. 1681i ( a ) of the FCRA, Equifax is required to conduct a reasonable reinvestigation and provide accurate results. The CFPBs lawsuit highlights Equifax s repeated failures, including : Failure to forward all relevant dispute information to furnishers. 
Uncritical acceptance of unreliable furnisher responses. 
Issuing misleading and contradictory reinvestigation results to consumers. 
Improper reinsertion of previously deleted information. 
Given these legal violations, I demand that Equifax immediately : Reinvestigate the disputed information in good faith, forwarding all supporting documentation to the furnisher. 
Delete or correct any inaccurate or unverifiable information. 
Provide a clear and accurate written response detailing the outcome of the reinvestigation. 
If Equifax fails to comply, I will escalate this matter to the CFPB, the Federal Trade Commission, and pursue legal remedies as necessary. Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Only XX/XX/23 I agreed to a " catch up plan '' XXXX with ALLY AUTO to be made on the XXXX of each month starting XX/XX/23. On XX/XX/23 @ XXXX I made the agreed to payment of XXXX. ALLY AUTO cancelled my " catch up plan '' stating they tried to pull funds from my account and insufficient when I notified them I paid via debit card they then said because the payment was made after XXXX its considered the next day. No where in my catch up plan is it stated payment must be automatically drafted or that any payments made after XXXX are considered next day. When I asked customer service to speak to supervisor they declined and when I asked for my original " catch up plan '' to be upheld due to lack of transparency on their end ; they declined stating they could only mark me as applicable for future " catch up plans ''. This company needs to be federally investigated as they are scamming their customers! I am STRONGLY considering taking legal action into my own hands as I've had MANY issues with them of this is not resolved FAIRLY.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I have been a member of CashApp for several years. I have a friend who was in need of an emergency fund to help a family member. Considering the fact that she and I losing contact with one another, I was happy to hear from her, but, not happy it was under the circumstances. We talked over the phone for quite some time to play catch up. She asked me to send the money directly to her relative and told me her name is XXXX XXXX. She didn't spell it out, and I can understand that as we assume that when someone gives you the CashApp name that it is the name. I typed out the way I woudk spell it and this lady XXXX XXXX popped up. So I sent her {$100.00}. My friend contacted me back and informed me that XXXX did not receive the money. I sent her a snap shot of the transaction. She told me that was not the XXXX and it was XXXX XXXX. In an effort to not keep XXXX waiting, I sent her the {$100.00}. I requested {$100.00} from XXXX. She ignored the request. So, I contacted CashApp Support and put in a claim. It was denied. I submitted an appeal with screen shots. Every time I engaged them, they denied my claim.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They could not provide me with the following information : 1. Name and address of the original creditor 2. The amount of the alleged debt 3. Itemized statement of the alleged debt 4. Proof that they are authorized to collect this debt on behalf of the creditor. 
Verification of debt is within the statute of limitations. 
I called each of these places and they could not give me any of the above information. These accounts have the wrong information. Under 15 USC 1692g FCRA law doesn't allow collection agencies to report incorrect information. This needs to be deleted as soon as possible.
Product: Credit card

XXXX XXXXComenity Bank i only bought 2 thing worth over {$100.00} less than {$200.00}. now my bill is over {$400.00}! I have what i can with what i have and they just keep racking up interest
Product: Credit card or prepaid card

They keep sending me credit card offers and sweepstakes telling me if I opened an account I could be entered I had my refund deposited into Thier account and they kept asking me to set up an account like I never did and then with they kept saying my approval odds were good to excellent to get a credit card and I got denied credit karma has been doing this to me for the past XXXX years on and off
Product: Money transfer, virtual currency, or money service

I currently am XXXX XXXX XXXX and recently it has started to really take a toll on me, so I appointed my husband 's granddaughter as POA to help me with day to day tasks without having any issues. I received a check from the state of Ohio and I asked my granddaughter to go ahead and deposit it into her account seeing as the funds I received were left behind from my sister which passed away and left me as beneficiary so that I could disperse to all the kids. Chase and I have gone through several verifications as well as the maker of the check was verified, now Chase is holding the funds in a XXXX XXXX  account and refuses to release them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my " Investigation Request '' letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below. Also, I have attached the letter I sent out via Certified Mail # XXXX XXXX XXXX XXXX ( XXXX ) # XXXX XXXX XXXX XXXX XXXX ( TRANSUNION ) XXXX and # XXXX XXXX XXXX XXXX XXXX ( XXXX ) According to the FCRA, the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that 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 is still not reporting 100 percent accurate and according to FCRA 15 USC 1681, everything must be 100 percent accurate. I have the credit reports showing the inaccuracies. 

Accounts that I asked to investigate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, On my last visit to this office ( XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, the doctor made some confirmation and told me that everything would be covered by my health insurance and I only had to pay the copay, and that was why I agreed to have the procedure done. I came to front desk and made the copay payment and even asked them if I owed anything else. They confirmed that I dont owe anything else. But I just checked my credit report, I have a debt collection from them of $ XXXX.This is affecting my credit score. I request this tobe resolved since it 's the wrong amount posted on my account. My balance should be {$0.00} and I should not owe them anything I called their billing office/ collector to try to resolve this. They were mean, disrespectful, used profane or abusive language to me and said I still owe the amount and they refused to do anything even calling my health insurance, even though the documents on my health insurance profile say I dont owe them anything except the copays which I already paid at the visits. She also sounded like it was okay for them to lie and misinform their patients including me ( that I didnt have to pay for the procedure ) so that I will agree to do the procedure I called my insurance and they told me to call the doctor billing office and tell them to call my insurance but they refused to do it. They refused to do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried, on line, to place a personal credit security freeze with Experian Credit Bureau. I answered all questions correctly, but it was not accepted. I had been paying Experian {$19.00} per month for this, but have been told that I should not have to pay. My self explanatory letter to Experian is attached. I had no problem with XXXX or XXXX. I know other people who have had problems with Experian.
Product: Debt collection

As of XXXX {$11000.00} has been written off by Wells Fargo XXXX selling account numbers to 3rd party debt collectors with out my written consent resulting the {$11000.00} paid of charged off no debt is owed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ). 
it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.