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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan from lendingpoint in XX/XX/XXXX, at this time ACH payments was set up for loan repayment. Although ACH payments was set up I made additional payments between XXXX and XX/XX/XXXX. Ach payments were made for XX/XX/XXXX and XX/XX/XXXX. All these two payments were paid to interest only. I have contacted lendingpoint on several occasions to try to resolve the matter. They claim that they made the adjustments but the attached statement reflects otherwise.
Product: Checking or savings account

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX I hereby demand that you immediately delete the item from my consumer report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.
Product: Debt collection

XX/XX/2018 I sent portfolio recovery certified mail asking to prove I owe debt they havent proved I owe but continue to hurt my credit
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Mortgage

I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT I WAS DENIED BY MY SERVICER OCWEN ON X/XX/17, I CALLED THEM AND COMPLAINED. THEY STATED THAT GUIDELINES JUST CHANGED THE PRIOR WEEK SO THEY WILL REVIEW THE FILE AGAIN. THEY SENT THE FILE BACK TO THE UNDERWRITING DEPARTMENT AND ON X/X/17 I RECEIVED THE EXACT SAME DECLINE LETTER, MY INVESTOR DOES N'T HELP HOMEOWNERS THAT ARE OVER 90 DAYS DELINQUENT. THIS MAKES NO SENSE AS IT TAKES 30 DAYS TO MAKE A LATE 30 DAYS TO GATHER THE NUMEROUS DOCUMENTS OCWEN REQUEST OVER AND OVER AND THEN THEY SEND THE FILE TO THE UNDERWRITING DEPARTMENT FOR A DECISION WHICH TAKES 30 DAYS. OCWEN PUTS BORROWERS LIKE ME OVER 90 DAYS AND THEN SAY THAT MY INVESTOR XXXX XXXX DOES GIVE MODIFICATIONS BECAUSE I AM OVER 90 DAYS LATE. THIS IS OUTRAGEOUS!!! I ASKED OCWEN THE SERVICING COMPANY IF THEY EVER SENT MY REQUEST FOR MODIFICATION TO XXXX XXXX MY SERVICER AND THE REPRESENTATIVE STATED I DO N'T KNOW, I ONLY KNOW YOU WERE DENIED NOW WHAT IS YOUR INTENTIONS WITH THE PROPERTY. IT SOUNDS LIKE THEY ARE TRYING TO FORCE BORROWERS OUT OF THEIR HOME SO THEY CAN RESELL IT TO THEIR FRIENDS " INVESTORS '' THAT ARE BUYING OUR HOMES BY THE BULK CENTS ON THE DOLLAR. HOW DARE THEY PREY ON THE WORKING CLASS TO BENEFIT THEMSELVES. I AM NOT GOING TO LEAVE MY HOUSE AND I AM NOT GOING TO BE VICTIMIZE BY CORPORATIONS LIKE OCWEN OR XXXX XXXX
Product: Prepaid card

Found tow trailer on XXXX. Contacted seller and they informed me that they were out of town and that we should use eBay. I agreed and she set up an account on eBay. eBay sent me an invoice and instructions to by PayPal My Cash gift cards and email them the PIN numbers and they would hold the money until I instructed them to release it and that I had inspected and accepted the trailer. I followed their instructions and once I gave them the PIN numbers eBay XXXX sent me a email that they had received the money. I tried to communicate with the seller but never got any response. I started investigating and have filed a dispute with PayPal and a Police report with the XXXX Ca. Police Dept. Case number is XXXX. PayPal My Cash dispute number is XXXX
Product: Debt collection

I have a recorded phone call, XXXX XXXX XXXX XXXX  contacted me on Monday, XXXX XXXX, 2018 at XXXX on a cell phone XXXX. When I asked the representative to identify the company she refused. I never verified my identity. She stated she could not release the name of the company. I asked her not to call me, i told her this is a cell phone and she does not have the consent to call me, and she responded that she will not remove my number and they will be calling me again. I asked for a supervisor, the supervisor came on the line and released his name and the mini XXXX without me verifying any information. I told him to remove me from the list and that I will be sueing the company if they did not remove my number because it is illegal for them to call my cell phone without consent. He said he will not remove my number and argued with me about removing the number. When I said I would sue the company he responded " You have enough money for an attorney but you can't pay this little XXXX XXXX? '' Again releasing personal information to an unverified party.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX claim XXXX Wells Fargo has faced significant scrutiny over its handling of disputed claims, particularly for conducting false investigations into customer complaints. In numerous instances, the bank has been accused of failing to properly and thoroughly investigate claims, leading to the wrongful denial of refunds, mishandling of disputes, and ignoring clear evidence of fraudulent activity. Customers have reported that their disputes were dismissed without proper review, and claims were marked as " resolved '' based on incomplete or fabricated findings. This has not only damaged Wells Fargo 's reputation but has also raised concerns about their commitment to ethical business practices and customer service. Such actions have led to investigations by regulatory bodies, resulting in fines and lawsuits, as well as a broader call for reform in the way financial institutions handle dispute resolutions.
Product: Credit card

Applied for credit with American Express and was denied extention of my credit in XX/XX/year>. I believe this decision violates the 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ). Regulation B protects applicants from discrimination in any aspect of a credit transaction. 

Reference Number : XXXX
Product: Debt collection

This is a debt that resulted from a ride in an ambulance from a hit and run that I did n't authorize. I was grazed by a car but was fine. The ambulance drivers, instead of just checking me out on the scene, handcuffed me to the ambulance and drove me to the hospital where I was checked out and released an hour later with nothing wrong with me. This is how the over XXXX in collections have occurred on my credit report which has jeopardized my ability to get a home loan at the best rate. i have even offered to pay half and share the expense ( even though I should not owe anything ) and was denied.
Product: Credit reporting or other personal consumer reports

WFBNA CARD XXXX {$1200.00} XX/XX/year> The above listed account was wrongfully reported to my account I do not in fact owe Wells Fargo and would like this removed and deleted from my credit report as soon as possible.
Product: Checking or savings account

On XX/XX/year>, I filed a complaint about two unauthorized withdrawals from my checking account : {$790.00} & {$810.00}. My bank subsequently informed me that they have provisionally credited my account while they are investigating my claim. 

After several months of waiting, my bank rejected my claim and withdrow these amounts without notifying me ( verbally or in writing ). I found out when I saw that the money was taken out from my account. 

I called the bank and asked for an explanation. They just informed me that my claim was denied and if I'm not happy with their action, I should file another complaint.
Product: Credit reporting or other personal consumer reports

I was denied credit by XXXX XXXX. I previously disputed the XXXX XXXX  account in my consumer file and Equifax failed to perform a reasonable investigation. There are XXXX  months of missing payment history reporting. WHo verified an incomplete report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1989 I am writing to express my deep concern and frustration regarding multiple apparent violations of important consumer protection laws that have had a significant and distressing impact on my financial well-being and personal life. I am reaching out to your esteemed organization to seek assistance in addressing these violations and enforcing my legal rights. 

The violations in question are related to my interactions with several creditors who have reportedly engaged in practices that may breach consumer protection laws. The following are the specific violations that I have identified : Unauthorized Credit Pulls under FCRA : Instances : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Unauthorized access to my credit report without my authorization, as outlined in FCRA Section 604 ( a ) ( 3 ) ( F ). 
Inaccurate Information on Credit Report under FCRA : Instances : XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX Violation : Inclusion of inaccurate and unverified accounts on my credit report, contrary to FCRA XXXX XXXX ( a ). 
Inaccurate Personal Information on Credit Report under FCRA : Instances : XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Violation : Inclusion of incorrect personal information on my credit report, against FCRA Section 607 ( b ). 
These violations have not only caused significant emotional distress but have also had a tangible negative impact on my financial life. The errors on my credit report have led to denied credit applications, increased interest rates, and even hindered my ability to secure housing. As a result, I have faced financial hardships that have strained my ability to provide for myself and my family. 

To provide a personal story that underscores the emotional toll of these violations, imagine a scenario where you've diligently worked towards achieving your dreams, only to find your efforts thwarted by the misinformation on your credit report. This distressing situation has resulted in missed opportunities, sleepless nights, and an overwhelming sense of powerlessness. 

Given the gravity of these violations and the ensuing hardships they have caused, I am kindly requesting the Consumer Financial Protection Bureau to intervene and assist in enforcing my legal rights. I implore you to work towards ensuring that the involved creditors rectify their actions and remove these unverified and erroneous accounts from my credit report. 

Your support in resolving this matter would provide immense relief and a renewed sense of hope for a brighter financial future. I appreciate your attention to this urgent issue and kindly request a timely response to this dispute. 

Thank you for your dedication to protecting consumer rights and fostering fair business practices. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One Bank is operating a fake dispute resolution department where they only pretend to investigate credit card fraud on their customers and arbitrarily take the side of the fraud perpetrators apparently in order to save costs for themselves that would be required to fully investigate the fraud. 

In XXXX, 2017, a moving company in XXXX called XXXX XXXX XXXX XXXX fraudulent overcharged me by use of my Capital One Spark Business Visa for approximately {$2800.00}, and also damaged thousands of dollars of my property in the move. 

I reported this fraud to Capital One, but Capital One summarily and arbitrarily sided with XXXX XXXX XXXX XXXX and failed and refused to fully investigate the facts of the fraud. Instead, Capital One sent form letters to me about the dispute, which letters when read carefully demonstrate that Capital One did NOT fully investigate the fraud. 

Capital One charged my account for the fraudulent amount and then charged me interest and late fees and has made derogatory reports about me to all of the credit reporting agencies. 

If I had the resources to do so, I would bring a federal class action lawsuit against Capital One, but I am retired and am not in a position to do that. Our government should put a stop to this massive fraud by Capital One Bank on all of their customers throughout the country. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform you that transunion has failed to respond to my inquiry dispute letter that I have sent certified mail on XXXX XXXX, 2017. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, transunion received my Dispute letter on XXXX XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Product: Credit card or prepaid card

This is an ongoing case with case ID number XXXX XXXX XXXX has not resolved this matter even though the merchant is willing to refund me at least half the disputed amount
Product: Checking or savings account

I found all my Marcus online accounts ( online saving account and a CD account ) were locked on the XX/XX/2023, without receiving any notifications. I started to call them on XX/XX/XXXX, made over 10 phone calls, and talked over 10 customer reps and supervisors. But after ONE MONTH, no one really helped solve the issue. I attached some records of calls as attachment, which are showing the average call durations are over 30 mins. They just repeated that they were not able to send a one time code to my phone number due to technical issue so they can not verify my identity to unlock my account and Marcus DO NOT have an alternative way to resolve this. And some reps even just hung up on me! Even worse, I got a reply from a supervisor on the XX/XX/XXXX that there had been no one really reviewed and deal with my case yet!! After looking into similar complaints posted online, I see some victims has to complete an Affidavit of Identity that takes over 14 business days, which I don't think is an acceptable solution taking so much time further. It's over {$190000.00} and I need my money very urgently to buy a house. I really hope to get my accounts unlocked ASAP!!!
Product: Student loan

I have been using XXXX XXXX Bill Pay to make payment on my loans with American Education Services for a number of years without issue. XXXX in a row AES has failed to process the payment correctly. Their proof of payment process takes XXXX business days, during which they continue to call, email and send letters to you and your co-signer. They have no way of processing it faster or putting your account on hold or in a disputed state to at least temporarily halt the calls, emails and letters. The only way to halt the calls, emails and letters is to make an additional payment. If you do n't it may negatively affect your credit score. Emails they send come on the weekend when there is no service agent to talk to.
Product: Checking or savings account

I was charged multiple fees for overdraft when my account was covered by oops protection. Also navy fed charged off an account for me due to FRAUD after I provided all of the information that it was fraud on the account. Year XXXX
Product: Debt collection

Leased Ended with XXXX XXXX XXXX in XX/XX/2021 with XXXX XXXX XXXX  in XXXX XXXX, LA. I paid all debts and received final invoice showing XXXX balance. I do not owe any further debts.
Product: Checking or savings account

On the date of XX/XX/XXXX, I went to a XXXXXXXX XXXX  and made an attempt to withdraw {$400.00}. The XXXX did Not dispense my money so I attempted again And was able to withdraw {$400.00} but my account was charged for both withdrawals even though I did not receive the first. I called XXXXXXXX XXXX and they informed me that there was nothing that they could do because I was not a XXXX customer that I should reach out to my bank Chime and dispute the charge. I disputed the charge with Chime and my dispute was denied. Neither XXXX will help me resolve this issue and I can not figure out how to get more information from the XXXX  because XXXX continues to tell me that I can only speak to my bank about it. It has been just under a month since this happened and I have received no resolution, I dont make much money and {$400.00} is a lot of money for me.
Product: Debt collection

I called the creditor and set up a payment plan. I requested that they send me information in writing showing what i owe, and what i paid. They stated they will not send anything in writing ; only a payment reminder for the next upcoming payment. Which is a month away. I stated I needed something in writing for a potential employer and they stated the employer can call them and they would discuss the information via phone, but nothing in writing. I requested it in writing before the 5 business days. 

XXXX Bank : Total Due $ XXXXAccount # : XXXXPayment Plan : {$100.00} XXXX 6 monthsI spoke with XXXX XXXX XXXX XXXX ext XXXX and today XXXX/XXXX/15 and asked to speak to his supervisor XXXX XXXX XXXX XXXX. 

Neither individual will supply with written confirmation on my debt. They payment plan that was set up, initial {$100.00} payment and {$150.00} for 6 months will go over what the total payment is. I can not get a break down summary of what I owe, and what I 've paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}
Product: Debt collection

XXXX XXXX offers you deals on combos helping with your advertise on line what they don't tell you is that their costume account representatives are very poorly trained and do not ever and i mean ever get back to you for resolutions I wanted to cancel cause their services online are very poorly managed but they would not give me a cancellation they literary make you force you to keep the membership by not getting back to you so you have to keep paying for the services I called and told them various times that I could not afford their fees they responded by telling me someone would they never did and than they would brush it to the side while they keep adding more debt to my account that i have ask over and over and over to cancel now they hire a firm to threat me by saying that if i do not pay they will cease my house my garnishments and take money out my account it is not fair hat as a client they did not tried to work with me but they are really good at taking advantage of small business like me and collecting what they never really performed well at all.I know I not the only business that feels this way they were horrible on keeping my XXXX XXXX  updated and i never ever got reports on the so called website they keep charging XXXX dollars a month plus they charge me XXXX for their so called search engine services. XXXX XXXX has been around for years but when it come to internet services they have very poor work ethics and no common sense or experience i feel very empathetic to the people that work in their company that are good people they get a bad review because of the way XXXX XXXX internet services are manage.
Product: Student loan

XXXX is XX/XX/XXXX. 
This complaint is a new issue that has arisen as a result of a previous issue which has not yet been resolved, where MOHELA has not processed my XXXX application submitted XX/XX/XXXX and acknowledged as received by MOHELA XX/XX/XXXX. As of today that loan is still listed as billing the standard repayments. 
I logged in to Studentaid.gov on XX/XX/XXXX to update my XXXX employment verification and found all my loans listed as ineligible for XXXX  because MOHELA has incorrectly placed my loans into standard repayments instead of the correct XXXX.