23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am good on my payment history with Wellsfargo, I have not been late for past 24 months. The FHA loan and HUD discriminates against the lender, and Wells Fargo according to HUD can at their own discression remove the Morgage insurance after 5 years without waiting for 78 % threshold. At the time of requesting a FHA Morgatge insurance removal, the HUD act discriminates because it allows for " the Bank '' to request an apprasial to insure the house has not devalued, but HUD does not allow for the Lender to demonstate the house value is increased. This is percieved one sided. In my case a near 100 % increase in the house value has occured due to renovations and investment into the house. This is something for our local government legislation member to be aware of too. I have paid the mortgage timley, and FHA allows for lenders at their own discression to remove the FHA Morgage insurance premium too after 5 years. That time has passed for me. The bank Wells Fargo is not customer-centric and not servicing the customer, by deliberatly ignoring the value of the house and facts, hiding behind the HUD guidelines of a fraudulant market value of {$510000.00}, compared with bak apprased value of {$930000.00} we hold, from third party government certified appraiser. Upon communication to the bank, their own licenced apprasiers have valued the house at over {>= $1,000,000} the banks response is " we dont have to fator the value in '', only the under valued value at the time of purchase. This is disregard for truth of real value and facts of values of the house. When truth is absent so is justice. Grossley undervaluing the house, a value non representive of their own independent government licenced appraises, in other words, the bank dont care for customers. This goes against marketing slogans of the bank " How Can we Help You Achieve your goals '' on their web site. " How can we help pay student debt ''. A bank giving marketing statement misrepresentations of what they actually do for their customers. Hiding behind legislation, the HUD site says the bank can remove the mortgage insurance " at lending instutions discression ''. When asked about that, The bank offers no comment on that part or refrence of the HUD web site. One sided again. Ethics of the bank need to be brought into spotlight in XXXX, thanks to Trump, its whistelblowing season. My loan additionally is a XXXX FHA too. Granting more flexibility in rules than later years FHA loans.
Product: Credit card

My monthly payment was {$XXXX} and it showed that I would cancel it and pay {$XXXX}. They took the {$XXXX} and charged me a late fee of {$XXXX} on XXXX XXXX. They didnt give me the option to even pay the difference. They even said I had never been late on a payment. They said they dont have it in their system to give a late fee but in the information on the card it said late fees can be waived. They werent doing anything to help me.
Product: Credit reporting or other personal consumer reports

I have recently engaged in a dispute process with TransUnion, XXXX, and XXXX concerning certain entries in my credit report. The basis for my dispute lies in the inaccurate reporting and non-compliance with the XXXX standards of the accounts in question. As you may be aware, the XXXX Compliance system, established collaboratively by XXXX, TransUnion, XXXX, and XXXX, aims to ensure the precision of consumer credit reports. Regrettably, TransUnion, XXXX, and XXXX have not adhered to these established guidelines. 

The rationale behind this dispute pertains to inaccurately reported accounts within my credit history. It has come to my attention that notably ; TransUnion, XXXX, and XXXX adherence to the stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. I have diligently attempted to rectify these inaccuracies with TransUnion, XXXX, and XXXX 's assistance. Despite the evident misreporting of the accounts, TransUnion, XXXX, and XXXX has chosen not to eliminate the adverse entries from my credit report. In support of my claim, I have appended documentation reflecting my communications with TransUnion, XXXX, and XXXX, alongside compelling evidence substantiating the imperative removal of these negative accounts. 

I kindly request your appraisal of the furnished evidence, with the aim of facilitating the expeditious removal of the aforementioned negative items from my credit report. Your expertise in this matter would be greatly appreciated.
Product: Debt collection

At one time, we had a subscription to XXXX XXXX which we did not renew. We no longer receive the magazine. Lately a company named North Shore Agency, which identifies itself as a collection agency, has send numerous threatening letters giving us the " opportunity to reinstate our subscription in the amount of {$17.00} before further collection activity becomes necessary. '' I researched this company on the internet and there are XXXX complaints about people receiving such threatening letters related to magazine subscriptions people never had or did not renew. Obviously this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Smith Rouchn, 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 an account without my written instructions. 
This account a fraudulent account, I don't owe this company.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Under 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( I ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information, that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

IN VIOLATION OF THE FOLLOWING FCRA LAWS FCRA Section 1681b- Restricts access to credit reports only to those with a PERMISSIBLE PURPOSE FCRA Section 1681i - Requires credit reporting agencies to investigate and correct disputed information within a reasonable time.

FCRA Sections 1681n and 1681o- Outline civil liabilities for willful and negligent noncompliance with the FCRA .

IM REQUESTING THESE ACCOUNTS BE REMOVED FROM MY CREDIT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates. Emotional distress : Caused by the negative impact of inaccurate credit reporting. Financial harm : Due to credit denials or unfavorable terms for loans or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a higher undesirable XXXX XXXX XXXX Quote on XX/XX/XXXX and again XX/XX/2023. Both times LexisNexis provided a Credit Type Auto Report to XXXX XXXX XXXX that caused the high rate quote. LexisNexis has no way to get the report on the Internet stating to call them at XXXX -- XXXX. Upon calling LexisNexis Recording states use the Internet Site. They pass me back and forth with no resolve. No human contact is possible at LexisNexis. 

LexisNexis lied to Federal CFPB and said they did not know me in a response in Case # XXXX and the employee ( name and phone number hidden ) at CFPB closed my case even thou I was given no opportunity to respond to the LexisNexis lies . 

Likewise at LexisNexis, no name or contact information to the cubical, or even direct e-mail address, was given in the response given to CFPB by the LexisNexis respondent. 

Since the unknow employee at CFPB closed my case recklessly and prematurely I have no choice but to file another case in the hope that a different and more competent employee who does not hide their name and contact phone number to their office cubicle will get me my negative credit reports that LexisNexis gave to XXXX XXXX XXXX on XX/XX/XXXX and again XX/XX/2023.
Product: Vehicle loan or lease

I went to XXXX XXXX to discuss a promotion they had going at the time as they were looking to acquire used vehicles. I had a XXXX  XXXX XXXX at the time and was looking to see if there were any options to lower my payment every month. I was shown a new XXXX and test drove it. I worked with a representative named XXXX. The monthly payment that came back was too high to make it worth it for me for the lease they were attempting to sell me. Then, XXXX said they have the same car used that I could buy. She pulled it up and showed it to me and said it's all the same except for a feature of the trunk. This is NOT true. I am extremely unhappy with the vehicle I ended up purchasing. The used version does NOT have the same features and there are imperfections that were not disclosed to me and the screen inside the vehicle doesn't always work. I regret ever going in and making this trade. Not worth it and I miss my old car.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit card with Capital One and Ive was paying my bills just fine and even paid for it in advance multiple times of how much I over used it but I did pay my debt, but I miss one payment one time because my bank account wasnt getting my paycheck in time and they just deactivated my card and I tried calling to get a new one but they never sent me a new one and my Capital One account is just hanging on a late fee not even reactive my account and sending me a new card that never showed up to this day XX/XX/2022
Product: Mortgage

We started the refinance of our home on XX/XX/2021. We were told that we would close sometime between 30-45 days. It's been 80 days since we started and all we get is request for the same information over and over again. There is no end in site, this company took our {$500.00} and has failed to deliver the product. They barely respond to calls or emails, and are constantly lying on the status of the file. They say they will call back then do not. We were told we were priority, and that's clearly not true. There is absolutely no reason for this. 

I am self-employed while my husband works for a company, and they are claiming that new XXXX XXXX and XXXX XXXX guidelines are making it difficult on small businesses to get loans due to COVID. I don't believe this to be true at all.
Product: Credit reporting or other personal consumer reports

I bought a XXXX XXXX XXXX in XXXX because of divorce and poor credit, I was given a predatory car loan by Santander who has been fined for predatory lending practices by The Federal Government. 
When the pandemic first hit, I turned my car in voluntarily because I was concerned about my finances ( this was before government subsidies ) .Santander sold my vehicle but there was a remaining balance which I could not afford. Since then, I am now on food stamps, Medicaid and am awaiting a decision on XXXX because of a XXXX XXXX In XXXX I became seriously ill with XXXX XXXX and my XXXX XXXX XXXX Last year, I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and in XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do know there is a Government program to remove negative credit reports during The Pandemic and I would like this Collections to be removed from all three credit bureaus.Santander are a bunch of crooks that prey on the poor and they deserve to be fined again for predatory lending practices! 
Please help me!
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I went into Lendnation in XXXX to pay off a {$350.00} loan I had just made on XX/XX/21. I was told I could loan again, but I wanted to keep my payments around $ XXXX {$200.00}. I asked about what the terms of the loan would be, the employee seemed surprised to being asked such a question but rattled off a bunch of figures ... if you loan this much for this long your payments will be .... it was a lot of info not easily digestible so I asked if she could show me what she was talking about. She couldn't twist the monitor so I could see, didn't try, didn't print anything at all. 
It was the very end of the day,, they were closing ... So, I picked one of the options ( I think ). 
I know she funded {$650.00} to my debit card. I know my due date is the XXXX. 
I did not receive any documents to take home at all. I signed three papers, one of which said APR and the finance charge and total payments after all paid according to schedule. 
I commented on the number I briefly saw, and went to point to it but the employee quickly interrupted me and turned the page where she indicated for me to sign. ( Since I had just paid off my previous loan at pretty reasonable rates [ it seemed, retrospect shows it was because I paid it off a few weeks after getting it ] ) Afterwards, I looked at the paperwork from the previous loan, as I remember insisting they print that one for me. The previous loan was for {$350.00}. I was in shock to see the finance charge on {$350.00} for 11 months was {$820.00}! If I had gone to full term I would have paid {$1100.00}!

This seems as they say, UNCONSCIONABLE. 

When XXXX came around,, I did not have time to call Lendnation before closing to see what my payment due that day was supposed to be. - no paperwork.. 
So I decided to put debit card controls on my bank card that day with plans to call or go in the next morning. 
When I woke up the am of the XXXX, my bank had alerted me to the fact the night before there was 2 denied attempts of withdrawal, which I expected, but in addition they had just got around my debit card control options ( which was to block any charge over {$100.00} ) by making 4 consecutive and equal charges of $ XXXX. 
This was at XXXX. I was mad. 

THE ATTACHED IS THE PREVIOUS LOAN
Product: Debt collection

Today, I saw something on my credit report called " Deville Asset Management. '' Upon calling, I was threatened that if I did not pay this debt off, interest would keep occurring. This is an abusive lie and tactic used to pressure people into making payments. The employee also said " there is a red flag on your account. Let me give you the number to contact. XXXX. '' I've never received any letters from this place or heard of them until today. I do not know if the debt is even valid but here I am getting threatened with interest and red flags.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus in an attempt to get information about an account that is being reported incorrectly. I have asked to see documentation that this account belongs to me. I want to see the original contract with my signature. Neither of the bureaus have been able to furnish this document and I believe it is a stall tactic on their behalf. They need to be able to provide this information, and if they can not, then they must delete it. It has been over 90 days and I have yet to receive a resolution or a response for that matter. Since the bureaus get paid for every item reported, I believe they are stalling on purpose and are not doing their due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

I have a coinbase account with 2 factor authentication. That worked great until i replaced my phone and had to reinstall the authentication app. The catch is that you need the app to login, but the only way to install the app is to be logged in. Coinbase was unable to give me access so they instead had me create a new account and then they transferred my money into the new account.

However, i later had transfers into the old account and they were unable to give me access to transfer the coins into my new account. I went back and forth with them for over a month and they were very slow to respond and i eventually gave up.

here is the latest communication. i haven't heard anything in a month Hi there, Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete, or if we have any further questions.

No further action is required on your part at this time. Please note, we are experiencing tremendous support volume that may delay response times. For fastest response time, please do not send more than one email response. Thank you in advance for your understanding and patience.

Thank you for your patience in the meantime! 


On XX/XX/XXXX at XXXX PST XXXX XXXX XXXX wrote : also, i'll have to file a CFPB complaint if this isn't handled shortly. 
i've been waiting for over a month. 
On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : that doesn't make any sense. here is XXXX sample email of the old account. 
if that account was closed, what happened to the coins that were transferred to it? 

-- -- -- Forwarded message -- -- -- -- -- From : Coinbase XXXX Date : Fri, XX/XX/XXXX at XXXX AM Subject : Your purchase for {$500.00} USD of ETH is now available in your account To : XXXX [ image : Coinbase ] <https : //www.coinbase.com/> [ image : Congratulations ] <https : //www.coinbase.com/> [ image : Coinbase ] Your purchase for {$500.00} USD of ETH is now available in your Coinbase account Reference code XXXX Payment method USD Wallet Date XX/XX/XXXX Amount XXXX ETH*
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts must be corrected as soon as possible : XXXX XXXX XXXXXXXX Balance : {$65000.00} ; XXXX XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX BANK XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

I won a dispute over an account on my credit report XXXX XXXX and this was deleted from my credit report on XXXX. The company Equifax re insert this account in my file without sending any notifications and after that the account was reporting the balance in XXXX in XXXX and now in XXXX they change the information reported from last month. This is clear evidence of inaccurate information since this is changing from month to month and the bureau is allowing them correct the inaccurate information when this shouldnt be in my report. This is affecting my credit big time because this is reflecting as recent new delinquency account when this is from XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to request the immediate removal of credit accounts associated with XXXX XXXXXXXX XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXXXXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute this false information on my credit report for years. I have repeatedly requested that this company provide validation of the information they are reporting, yet they have failed to do so. Despite their inability to substantiate their claims, they continue to report inaccurate information, causing harm to my credit and financial standing. 

This ongoing failure to correct false reporting is a direct violation of my rights as an American. I have given ample opportunity for this company to provide proof, yet they persist in disregarding my disputes. Their refusal to act in accordance with the law and remove the inaccurate information is unacceptable. 

I demand immediate removal of this false information from my credit report. Failure to do so will leave me no choice but to escalate this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is saying that I owe on a loan that I never took out this loan was opened when I was overseas on a missionary trip for over a year I never signed or opened a loan at XXXX XXXX XXXX XXXX  can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking XXXX XXXX to court and Sue them for my lawyer fees and my light detector test XXXX XXXX has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make XXXX XXXX pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which XXXX XXXX  will have to pay my lawyer fees and for the lie detector test result I present in court