23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Original Complaint # XXXX : In XX/XX/XXXX, I started a personal loan for {$12000.00} through Discover at 18.99 % interest to pay off outstanding credit card debt with other creditors that were charging high repayment interest rates. In early XXXX, I began restructuring my overall debt portfolio and contacted Discover to negotiate new terms for the personal loan. Discover made only one offer which would lower my monthly payment by extending the period of the loan. With no other options, I accepted this one offer for a lower monthly payment. The interest rate remained the same. In XX/XX/XXXX, I located a not for profit debt consolidation company XXXX XXXX. XXXX contacted Discover and my other debtors to restructure my debt. Although my Discover credit card debt was accepted into the plan with a lower interest rate ( 9.99 % ), Discover declined to do the same for the Discover personal loan because I was already enrolled in the repayment program I had accepted before contacting XXXX. I have contacted Discover at least three times since they declined accepting the loan into the XXXX plan. Discover replied to my first inquiry with a letter in XX/XX/XXXX which explained that the loan was declined because it was already in the payment assistance program accepted earlier. In XX/XX/XXXX and XX/XX/XXXX, I called and spoke to Discover representatives, and both times Discover declined to make any changes to the loan that would allow the acceptance of this debt into the XXXX plan. Discover has refused to make any changes that would allow the debt to be added to the XXXX plan and save me money. The interest Discover is charging is too burdensome for my ability to repay this debt, and I would like to be eligible to at least add the debt to my consolidated repayment plan with XXXX XXXX. 
In the reply letter to the complaint from XXXX XXXX, Executive Office of Customer Advocacy, Discover indicated they would work with XXXX. However, Discover has again rejected the application submitted by XXXX to consolidate the loan. I have called and left messages for XXXX XXXX two times at the number provided in the reply letter to resolve the matter, but no reply has been received.
Product: Mortgage

Back in XXXX, i was a Wells Fargo Customer. I was struggling to make my mortgage payments. Wells Fargo gave me 2 options to relieve some of the stress. Lock in my Adjustable rate mortgage which they told me would be approved if i did it at a certain date before the mortgage started to adjust. I was denied. Then with the new payments increasing every so often it became harder to keep up with payments. After a couple of Modification attempts always denied. It became clear Wells Fargo wasn't going to help me at all only alternative was Foreclosure Proceedings, which took the life out of my family and myself. Finally after hiring an attorney to help us through this nightmare with Wells Fargo, we lost our home and everything to do with my finances and credit. Home Short Sold in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have working DILIGENTLY on my credit and Transunion seems to be working against me at every corner. I paid of one credit cards, the account is still active and in good standing, which lowered my utilization but I loss 28 points! I am so confused as to why, I should have gained MORE points not loss them.
Product: Debt collection

Hi EOS CCA ; XXXX XXXX; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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 3 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 Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with with XXXX regarding a mortgage loan. I filed a complaint with the secretary of state regarding my social security card being stolen. I have been being harassed numerous amounts of companies reported on my credit report which is inaccurate.
Product: Debt collection

XXXX XXXX I received alert on my report I called company and ask what was this for and the customer service rep was very rude and told me that it was a debt that I owe and need to pay and I ask her what was the debt and she told me that I should know what I sign for. So my mom told me what she thought is was and I explained to the lady that I spoke with someone in the office during this pandemic and let them know I lost my job shut down COVID 19 and also due to stay at home order by state government. And they told me they would get back to me and no one never got back with me to let me know the next step that I can take to try and continue payments. Im in all kind of programs to help me with my children also still struggling I Was diagnose in XXXX with XXXX and XXXX XXXX  which I struggle XXXX not to include my XXXX due to XXXX  can someone please help me with this situation. Lost to grandparents due to COVID so seeing this is very stressful
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS ARE NOT HOLDING UP THERE END OF THE FCRA, IVE DISPUTED THESE ACCOUNTS OVER A MONTH AGO AND HAVENT HEARD A RESPONSE BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to Transunion on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous accounts and have them corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX XXXX XXXX account. I called prior to submitting an application for a checking account. I asked if they will run a hard inquiry on any of my reports. The representative told me no, the inquiry would be soft. I was advised if I was applying for a loan or credit card it would be a hard query. When I pulled my Equifax report, I noticed that XXXX XXXX ran a hard inquiry on XX/XX/ I felt mislead my XXXX.
Product: Debt collection

Debt was paid but still shows up on credit report unnecessarily. Please help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have reported this XXXX times and nothing ever seam 's to get done. Litigation will follow. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX  business days of receipt. Listed below the accounts to do not belong on my credit report. 
XXXX. XXXX XXXX XXXX  Wrong addresses reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning XXXX XXXX XXXX  Credit Card ... ... how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Checking or savings account

I received a text alert from what appeared to be Wells Fargo Bank on XX/XX/XXXX, concerning my account being exposed to fraud ; requesting my validating some account info. My cellphone was hacked in the early morning of XX/XX/XXXX. The perpetrator got access to my bank information/debit card, and was able to illegally withdraw {$1000.00} at an Arizona ATM XXXX followed by {$150.00} XXXX  transfer, along with four high dollar value, instore purchases, using my debit card information, in a 'digital wallet ' format at a XXXX in Arizona, for over {$3000.00} in purchases, on the same day. As well as other multiple transactions at various retailers in both Arizona and California, within a matter of a few hours of confiscating my account information. 

I called Wells Fargo immediately after regaining access to my cellphone, and found out that my account balance went from {$4200.00} to {$0.00}. I filed a fraud claim, that was denied on XXXX. I received two letters from Wells Fargo, dated XXXX ; one stated that the claim was denied, due to none of the transactions, never happened. The second letter stated that the claim was denied, because, either I processed all those transactions in Arizona and California, or I gave someone permission. 

I filed a complaint with Wells Fargo, on how my fraud claim was handled. I'm currently awaiting their response.
Product: Mortgage

I had a Mortgage with XXXX XXXX with no escrow account. XXXX XXXX sold my Mortgage in XX/XX/XXXX to XXXX which now changed their name to XXXX. 

I was and still am paying my own Taxes, & private Home owners, Wind, & Flood Insurance. My Condo association also pays Master Flood and  Hazard insurance. It is included in my Fees. I have given both XXXX XXXX and XXXX Proof of renewal for all policy that I pay in full. XXXX   XXXX and I agreed to that and everything was fine Now here comes XXXX! 
Everything was fine for 8 months I emailed them proof of insurance renewal that is paid in full. They send me a letter I need more Flood Ins.  Fine I purchased more Personal flood insurance Paid in full to satisfy their demand of {$44000.00} My personal flood is paid in full by me until XX/XX/XXXX. I sent them proof and they sent me a letter that it was accessible to them. I have the Letter. 
They now say They are going to open an escrow account and they now added {$160.00} to my Mortgage. This is unacceptable I am XXXX years old and do not need to or will I be bullied by these predators. I will email you the documents. 
XXXX XXXX XXXX
Product: Student loan

Aidvantage sent me a letter stating it will " not honor '' the payoff check of my student loans. I sent in a check ( check # XXXX ) for {$45000.00} for the complete loan payoff amount for XXXX on XX/XX/year>. I provided specific directions that this was to be the payoff amount. These directions were word for word the specific directions provided to me by Aidvantage to payoff my loan. The check was received by Aidvantage on XX/XX/year>. However, Aidvantage is still show that I owe my student loans. Correct this now and provide me a check for overpayment in the amount of {$0.00}. See XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified Account Account Name : XXXX XXXX XXXX Type : COLLECTION Date Opened : XX/XX/2015 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to by XXXX XXXX XXXX. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit card

INVESTMENT RETRIEVERSXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXXXXXXThe collection agency above has made an unauthorized hard inquiry in my XXXX credit file on XXXX/XXXX/2015 This is a serious breech of my privacy and causing financial harm to my credit score. I have never done business with this company nor authorized them to pull my credit file. Please stop this company from pulling my credit ever again. 

ThanksXXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I was contacted at work 4 days ago ( Friday XX/XX/XXXX) by someone named XXXX, from Credit Bureau Systems Inc. This call was an attempt to collect a debt originating from an ER visit earlier this year. On that call I explained that I was under the impression that i was not responsible for any portion of the cost of said visit, and the agent took time to explain everything to me. She also reminded me that if i did not take any action this would result in a legal action. We ended the call agreeing that I needed to speak with my coverage provider before proceeding. 

I then began getting more calls at work again on Monday, Tuesday, & Today from the same agent. 

During a conversation again with the same agent, she took a much less civil approach this time. I tried explaining that i simply could not pay the balance today. And the agent began to suggest that i use a credit card. I declined and she continued saying that i have good credit and i should put the charge on a credit card. 

at this point i realized that this call had strayed from the normal and allowable parameters of a Debt collection call, and attempted to end the call amicably, but I only received threats of legal action and anger.
Product: Checking or savings account

On XX/XX/year>, I deposited a cashiers check in the amount of {$37000.00} with Chase Bank in person with a teller. I was not informed of a seven-day hold on the funds until after the deposit was completed. The hold is set to remain in place until XX/XX/year>. 

As of XX/XX/year>, Chase has verified the authenticity of the check with the issuing institution. Despite this verification, Chase has refused to release any portion of the funds prior to the holds expiration date, including the statutory amount of {$5500.00}, which should be made available under federal regulations. 

Chase has asserted that the account agreement I signed upon opening my account supersedes federal law, and therefore I am not entitled to access any portion of the deposited funds until the hold is lifted on XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I did a transfer cashed out from my cash app account into another merchant account because cash app closed my account with puse knowledge to me so they asked me to cashed out my funds to another merchant account so I did on XX/XX/2020 and the other merchant rejected the funds because the money was trasferencia into my debit card instead of direct deposit account my debit card doesnt now allow deposits so the money was reversed back to cash app and the funds are not showing up in my cash app account the balance keeps saying XXXX and the funds that Im looking for is {$11000.00}. And it has been over 30 days now and I have tried to reach out to them via emails and I keep getting the same massage back and forth saying that my account is closed and that it has been more than a week so they close my case thats the email I keep getting repeated every time I contact them. And I want this matter resolve is my funds money that was sent to me by the government for my unemployment.
Product: Checking or savings account

I had written a check for XXXX XXXX and XXXX dollars ( {$210.00} ) to a telephone company XXXX XXXX XXXX XXXX ) and they deposited the XXXX XXXX and XXXX dollars check to their bank ( XXXX XXXX XXXX and XXXX XXXX  used the check to make a withdrawal transaction from my bank, ( BankMobile, a Division of Customers Bank ). The check was returned for insufficient funds by Bankmobile to XXXX XXXX  and to XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX redeposited the check and Bankmobile accepted the check and Bankmobiles account shows that the returned check was sufficient and it was credited to XXXX XXXX. However, The XXXX XXXX  shows that the check was returned the second time and no credit for the {$210.00} check. There is no credit of {$210.00} in either bank. 

On XX/XX/XXXX, I filed a complaint and an investigation was initiated with BankMobile and on XX/XX/XXXX the investigation was completed. I also made a requested to XXXX XXXX XXXX and the XXXX XXXX  to make a review of the transactions of the check for {$210.00}. BankMobile found no error in the transactions. On XX/XX/XXXX XXXX, I called BankMobile with another complaint about the case. I requested a reopening of the case. They eventually agreed to reopen the case. XXXX XXXX XXXX made another review too and their results were the same.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid the full amount to the original creditor which was XXXX XXXX and have the receipt showing paid in full but IC SYSTEM don't care and keep posting delinquent on my XXXX  and XXXX  account. They said I should have paid them instead. They are a bad collection agency. XXXX  said they already asked IC SYSTEM to be removed from my credit but they refuse. Please help
Product: Debt collection

After reviewing documents requested from company under the name : Portfolio recovery and associates inc. I have noticed multiple inaccuracies and violation under the consumer laws. As a result, I hereby challenge any claim that may owe ; the company. 

Reason ; the company has my name & address inaccurately ; violation The company has inaccurate, misleading amounts owed ; violation The company has not provided proof that statue of limitations has not passed in my resident state ; violation Company has not provided required license or bond to collect a debt in my state of Florida ; violation Company has not provided documents of which may show my signature as proof that I agreed to pay what the company claims I owe ; a violation of FDCPA