23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since 2013 I was approved for a trial modification. I did my payments complete the 3 payments. After they denied for unclear title. I did clear the title. After I did fix some issues in a wrong credit report was not mine. And on and on and on since then. Finally I did show my income my family income and my rent income from them about {$XXXX}. Still denied by Wells Fargo. They review and they said send another application always same game. They appraised the property incorrect for a huge number. They want me to sell the house in short sale I do n't want to leave my house.
Product: Checking or savings account

On XX/XX/year>, it says I made a purchase of {$120.00}, and it's marked under the education category. During those days, I was looking for courses to add some skills since I'm a XXXX. However, this website doesn't have the characteristics to help me add the skills I want. When calling Wells Fargo, I spoke with a girl who called me asking why my account was against ( calls are supposedly recorded ) ; she said it was very curious because what I was saying made sense. When communicating with another person on the phone, this person tells me that I used my digital card on the website. My question is : how is it possible that I used my digital card on a website that doesn't accept XXXX XXXX? It's very strange, and of course, after arguing ( it made no sense ), I requested a supervisor. He insists on the same thing and says that the bank already investigated. My big frustration is that I don't understand the type of investigation. They checked their systems that indicate I supposedly used my digital XXXX XXXX card, but the website doesn't accept these - no other response, no other apology. They insist that I used my XXXX XXXX or digital card ; for me, that's it, I don't know what other digital card they're referring to because they wouldn't even give me more details. They told me that's the resolution and nothing more. So I can say that Wells Fargo doesn't want to review this information more thoroughly, or perhaps the associated merchant and they have joint business dealings. I don't know what else to think.
Product: Credit reporting or other personal consumer reports

Credit card was paid off in exchange of removing off credit report & its still there!
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Quality Asset Revovery LLC XXXX XXXX XXXX # XXXX XXXX, NJ XXXX Date XX/XX/XXXX case was open Date claim I owe {$380.00} Represented by XXXX XXXX XXXX I sent a debt validation XX/XX/XXXX requesting in 30days UNDER THE FAIR DEBT COLLECTION PRACTICEB ACT [ 15 USC 1692g Sec. 809 ( b ) ] which I have the right to request proof that I'm indeed the party, how they get my social security #, and my signature on the release papers that they claimed I was treated at that hospital and I never recieved treatment there. I request that they show documents and they haven't sent them yet. I am sending out more letter I just need help because they still reporting it to the three major Credit Bureaus after I sent the Debt Validation Letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account name XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit report displays either a duplication of a hard inquiry or it belongs to someone else. Trans Union refuses to investigate. This information is incorrect and they should not be reporting it as such. Neither XXXX  or XXXX display the duplication of hard inquiry. Also, there is a hard inquiry to quicken loans that is not mine. 

Also, I was unable to print my credit report and tried to go back ( same day within minutes ) but annual credit report stated I had already claimed my free annual report.
Product: Credit reporting

I have several items on my credit reports that have been disputed with XXXX, Equifax, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1.XXXX County Magistrate- ( XXXX docket # 's XXXX ) 2. XXXX- XXXX 3.XXXX XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX- ( # 's XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- XXXX XXXX 10. XXXX XXXX XXXX XXXX # XXXX 11. XXXX XXXX XXXX ) XXXX- # XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX : Acct. # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXX, XXXX : Acct # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX, XXXX : Acct # XXXX, all 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 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, credit repair services, or other personal consumer reports

I was approached by Sofi lending services to apply for a personal loan informing me that i am prequalified. I applied for the personal loan on XX/XX/XXXX, however my application got declined because the lending company claimed that they can not verify my income despite including my most recent paystub in the original application. 
I called them to inquire further information on XX/XX/XXXX and I was put in touch with an account specialist ( XXXX  ) whom looked into the matter and informed me that they made a mistake with my income and I asked me to re-apply as the issue has been corrected. 
I re-applied and they asked for further paystubs from XXXX which I provided and also asked for my job contract which I also provided. After that, my application got declined for the second time. I contacted them again and they once again informed me that they could not verify my income, which seems pretty odd given the fact that I have submitted multiple paystubs from my very reputable employer. 
They proceeded to inform me that there is nothing they can do to rectify the matter. 
When I expressed my concern regarding the negative impact this can cause to my credit especially that it was a system failure on their end and that I/ my credit should not be held responsible for their verification process failure, they informed me that I should dispute this with the credit bureau XXXX XXXX  ''. 
I contacted XXXX  and they informed me that they can not dispute a hard inquiry and advised me to contact CFPB and place a complaint with hopes of removing this wrongful inquiry from my credit report as I have no hand in the process failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX violated my righs. 

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.

please remove
Product: Credit card or prepaid card

On XX/XX/20 I mailed my payment to Citibank - The Home Depot Rewards Mastercard - which was due on XX/XX/20 using the statement payment stub and envelope provided. It wasn't posted until XX/XX/20 and I incurred a late fee of {$25.00}. I called Citibank MasterCard to question the delay ; however, I was unable to reach them and was transferred to what appears to be a Debt Collector. They could not find my account and kept asking for the reference # on my letter, which I do not have. My concern is that this is not the first time my payment was posted after the due date and I've been charged a late fee. While I realize it could be the USPS ; I believe the delay is at Citibank. It's frustrating as I can not pay online because my account is closed, I can not call anyone for assistance, and if I mail the payment I'm at the mercy of the USPS and the Citibank payment center.
Product: Vehicle loan or lease

GM Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Upon return of my vehicle, a customer service rep at GM Financial informed me to wait until adjustments were made on my final bill, as the dealership that accepted my return did not make note of the correct condition of the vehicle. While waiting for these adjustments to be made, GM reported my payment as late. 

After speaking to customer service, the rep on the phone told me that GM would contact the credit reporting agencies to modify my payment history to show that my payment was not late. 

My credit report was never updated. This payment still shows late. 

This occurred XXXX XXXX XXXX
Product: Vehicle loan or lease

This was my first loan a XXXX XXXX XXXX purchase in XXXX with over XXXX miles. My payment is very high {$470.00} and I have had this car for over 4 years and I still owe {$8000.00} for this I pay very high predatory interest because I was young and unaware. ( I even traded my used car in for this vehicle. ) The dealership knew this was in an upside down loan with this card in less than two years of having. I still have loan documents. Even when I built my credit they offered no better credit options for me but a refinance and I would had to go to another company. 

Please assist I can provide all past documents and present documents. I have paid for this car three times over.
Product: Student loan

My loans were delinquent XXXX years ago. They would not work with me. My co signers had to pay to get loan caught up then they lowered the interest rate for 6 months. Now I have reduced hours and I have called them XX/XX/2020 and customer service tells me there is no other options for a reduced payment.
Product: Debt collection

I have been receiving phone calls from various numbers associated with XXXX XXXX for over two years now. They rarely leave a message and I have never received anything in writing stating what debt it is that I owe. They will also call XXXX or 5 times back to back and outside of the allowed times
Product: Credit card

Discrimination and illegal practices. I currently have a XXXX credit score with XXXX and was offered through credit match a saver one capital one card with a minimum credit limit of {$1000.00} and a maximum interest rate of 22.84 %. After I applied for the saver one card that was matched with my credit I was asked to provide a ID and a copy of my Social Security card which I promptly provided. After I provided these documents they gave me a credit limit well below the standard for this product. They gave me a credit limit of {$300.00} with a interest rate of 30 %. This is not the advertised minimum credit limit for this credit card of {$1000.00} and this is a greater interest rate than what they state the credit interest rate is. I called Capital One and spoke to a supervisor by the name of XXXX who couldnt really tell me anything but told me to continue to apply for credit line increase is after a year. I have currently to capital one credit cards with greater limits than this card and got those credit cards when I had a beginner credit score of XXXX. I have been with capital one for a year and both of my credit limits are around {$1000.00}. Ive never missed a payment and I pay my cards off several times a month. After getting my ID and seeing that I am a race outside of Caucasian they gave me a lower credit line than their minimum advertised limit and gave me a higher interest rate than advertised. Other than giving me generic responses in response to my query, Capitol One was unable to provide a rational reason why my credit limit is lower than an average person would be, and a higher interest rate than someone with a credit score of XXXX.
Product: Credit card or prepaid card

Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC ( GS & Co. ), which are subsidiaries of The Goldman Sachs Group , Inc.

The rewards points on my GM Rewards card administered by above company are not accessible. The website does not work : it will not send the verification code needed to access the rewards points. I tried to resolve this with an online chat and a phone call today ( XX/XX/22 ) without success. Both representatives promised that they would " escalate '' the issue and that I would be contacted by someone. I haven't been contacted by anyone. I just tried to access the rewards points on the website again, but it is impossible.
Product: Credit reporting or other personal consumer reports

TransUnion failure to block or delete these accounts with Federal Trade Commission Identity Theft Report. TransUnion failed to address these fraudulent accounts such as the two XXXX XXXX accounts, one XXXX and XXXX XXXX XXXX. Thank you.
Product: Mortgage

ALL DOCUMENTS ATTACHED. 

TRIED TO FAX COMPLAINT TO YOU XX/XX/2020 WITH NO SUCCESS ON YOUR END. 

91 PAGES OF SUPPORTING DOCUMENTS COMING YOUR WAY. 

COMPLAINT IS TO : Wilmington Trust , XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Citibank card with a balance transfer of {$3900.00} to my XXXX account. 
The balance transfer never posted to the XXXX account. On XX/XX/XXXX,  while on vacation, I received an email from Citibank saying my statement was ready with a balance of {$4000.00}. I called Citibank to inquire when the balance transfer would be completed. They informed me that the transfer had cleared the bank on XX/XX/XXXX. After 23 minutes on the phone they said they were placing an investigation ( ref XXXX ) they insisted I needed to call XXXX to have them find the funds as they had posted to someone else 's credit card account. 

I called XXXX and asked for help and was told if I could get them the bank account number the transfer had originated from they could find the funds and correct the issue for me. 
I called Citibank back and had to request a supervisor as the operator couldn't understand the difference between my 16 digit credit card number and the bank account the transfer came from. ( I also never received the Citi card )XX/XX/XXXX I called Citibank back to check up & was told it was my problem to work out as the funds had cleared the bank. It took more than 30 minutes to get a supervisor on the phone who finally understood the funds weren't put in my acct but were credited to a strangers account ; she wouldn't give me the bank account number XXXX had requested to trace the payment but stated she would call me back and I still haven't heard from them. She did tell me the cc number the funds were applied to so I called XXXX back, they can see the pymt but since it isn't my account they need a transfer transmittal report from Citibank. After another 21 minute call they recorded what i needed but told me I have to wait to be called back. 
Citibank 's inability to understand a simple mistake and provide resolution for the customer is resulting in the worst customer service issue I have ever experienced.
Product: Student loan

I have student loans with wells Fargo. They differed them for 6 months. XXXX to XXXX Now they are coming out of deferment. I called today and they said they will not deffer anymore. They offered a loan modification but my cosigner would need to be willing to participate. My cosigner no longer wants to be involved and I can not qualify to refinance them either. I currently had a baby and my hours have been drastically reduced. I either put food on the table or pay my student loans. I want to protect my credit since I am trying to buy a home. Wells Fargo will not work with me. I have never missed a payment and do want to to start now since this is all beyond my control. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 5 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of.

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Money transfer, virtual currency, or money service

Hi I had a account with Venmo for many years XX/XX/2020 they froze my account due to reason I never found out I had XXXX-amount of dollars in the account that I have never got they said after 180 days I would get a check of remaining balance.. now its been three years later they have no clue what Im taking about now our where my money our prior account is
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 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 have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA. The accounts are XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All accounts have been removed and reappeared at least twice!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

I deposited my check by mobile thinking it would be better to do. But how wrong I was. I then waited the one day. Then when I woke up was expecting my check I get told it has a hold on it. Which then violates the statement of the one day deposit. If I new it was going to take longer then one day I would go to a bank and cash it. So I called capital one and ask to talk to a manager. Manager refused to help me stating I have to wait tell the XXXX which puts my truck and house past the due dates. Which I told that to her and she stated how is that her problem? I explain if these go past the date I would earn alot of late fees. So I then hanged up and try to talk to someone new same repawns.