23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My wife and I were scammed in a fake jury summons no show phone call. She sent {$500.00} via XXXX, and I sent {$470.00} from PNC to XXXX because of the threat of imprisonment.
Product: Credit reporting or other personal consumer reports

The TransUnion website offers a service to create an account and thereby mange your credit, including freezes. I created an account through their process and subsequently verified both my phone number and email address. 

When trying to use their " Account Freeze '' options, the webpages will simply not load or not process the freeze request.
Product: Credit reporting or other personal consumer reports

Identity theft report has been filed on my behalf due to someone using my information. An invalid debt from XXXX XXXX XXXX ( XXXX ) to demand further proof of the debt validation by providing me with A copy of the original agreement with my signature, proof that XXXX assigned or sold the debt to XXXX and XXXX detailed account statements from the original creditor. Equifax shows this debt on credit report.
Product: Mortgage

On XX/XX/2021, I submitted a Mortgage Assistance Application to Wells Fargo XXXX XXXX looking for modification of my loan. On Friday, XX/XX/2021, I received a letter from Wells telling me of the only option they were offering. It is a short sale of my property! 
I called and spoke with the agent who answered the phone for the person designated- XXXX XXXX XXXX. XXXX answered her line this morning. 
I have made payments on this line for many years, since the line matured. It's a {$370.00} monthly payment of which {$300.00} goes to interest. This means they have received tens of thousands of dollars on this loan with only about {$3000.00} going toward the principal. 
Please note, Wells is participating in a federal program here in California via XXXX or the XXXX XXXX XXXX. It's the XXXX XXXX XXXX  XXXX. They are receiving millions to bring their first mortgage customers in arrears current on their mortgages. 
This is one of the reasons their offer to me is so galling. Also during the Obama administration they delayed assistance I requested until the program ended, denying me the loan forgiveness I requested and should have received. 
Let me know if more information is needed. Thank you!
Product: Debt collection

See attached documentation regarding tender of payment to company. Company has ignored tender, therefore accepting said tender and discharge has now occurred, yet company has yet to zero out the account. 

XXXX. TENDER OF PAYMENT. 

( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

Kickoff Lending XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Courtesy removal from credit bureaus account XXXX Kickoff Lending LLC, I am asking for a courtesy removal of the account : XXXX The purpose of this account with you, that I paid in full, was to increase my credit profile and score and its having the opposite effect its hurting it. 

For that reason I am asking you to completely remove it from existence in all my credit bureaus its located on. 

Attached to this complaint is : - drivers license - social security card - address - written complaint Please have this removed as soon as possible.
Product: Consumer Loan

I have a credit card with Elan Financial Services I have been paying extra and instead of the amount over the minimum payment being applied to the balance with the highest interest rate they are applying the payment to both balances. I have sent them a secured e-mail regarding this matter. They responded saying because I my account showed a purchase last month it was applied correctly. I have not used this credit card for several months and I have no automatic charges on this card.
Product: Checking or savings account

On Wednesday XX/XX/2020, I attempted to log onto my Bank of America App to check my balance. There was an error message saying that I was not eligible for online banking and gave me a number to call. ( XXXX ). I called and was told that my bank account was in the closure process and that I would not be able to access my funds. I stated that there was no notice sent to me and was told that per the deposit agreement, they were not required to give me notice but that a letter had been sent that same day. I was told the they would send me a cashier 's check with any money that I had in the bank but that may take a month to process. I was told that if they submitted an exception request I may be able to pick up the money at a local branch but it would take at least 5 days to process and there was no guarantee. Because I was not sure if this was legitimate, I refused to provide information and stated that I would go to a branch to speak with someone. This morning, Thursday XXXX, 2020, I went into a local branch. on XXXX XXXX XXXX XXXX, NC. I first spoke with a teller who told me that the number that I called was not the correct department. She provided another number XXXX. I stepped outside of the bank and called and was basically told the same thing. I explained that all of my accounts were tied to the BOA account and that I had bills that would become past due because I was not able to access my money. I also have expenses that I handle for my mother such as medications and insurance. He stated there was nothing he could do. I went back into the bank and spoke with one of the Bankers. She printed my transactions and neither of us saw anything out of the ordinary. So, she called for me. She explained the situation, they would not give an explanation but stated that they would lift the restriction so that I could withdraw the money that I currently had in the account. I was also told that I would not be able to bank with BOA again. My account has remained in good standing since it was opened. I have been with BOA for several years. My concern is that there is something erroneous or some type of fraud on my records that would hinder me from opening another account. I now have to remove this bank account from all of my accounts so that I do not receive fees for returned payments. I also have to try to open another account so that my payroll check can be direct deposited or cashed on the XXXX of the month. I understand that BOA is allowed to make business decisions as they see fit but, doing so without notice and without explanation causes undue stress/emotional distress and could potentially ruin a person financially. I have not received a letter and was told that if I did, It may not contain a reason for closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.
Product: Debt collection

XXXX XXXX XXXX XXXX, MD made an error in filing the treatment bill ( {$320.00} ) to XXXX XXXX XXXX XXXX XXXX ( my insurance provider ). Till date XXXX does not find on it records proof of claim filed. I made the facility aware of their error ( XXXX of accounts dept. ) but they chose to take the case to R & R Professional Recovery XXXX XXXX, MD ( R & R ) anyway, per account # XXXX. 
In an effort to resolve the issue, per my request, XXXX customer service contacted R & R to point out the error but they refused to talk to them. 
Notwithstanding above steps, R & R went ahead and reported matter to collection bureau destroying my credit worthiness. 
Please provide help and succor to remedy the predatory and illegal practices of R & R. Thanks a lot.
Product: Credit reporting or other personal consumer reports

Dear Equifax, Subject : Second Notice Follow-Up on Charge-Off Dispute and Request for Documentation Regarding XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX, I sent you a formal dispute letter regarding the reporting of the charge-off account associated with XXXX XXXX XXXX : XXXX on my credit report. In this letter, I requested the following : 1. Authenticated double-entry accounting records for the account. 
2. Authenticated evidence, including original signed contracts or agreements, verifying the legal right to collect and report the debt. 
3. A copy of the 1099-C form, if the debt has been canceled or settled for less than the full balance. 
I requested a response within 30 days of receipt of the letter, but I have yet to receive the requested documentation or confirmation that the account has been deleted from my credit report. This lack of response constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), as well as 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) . 
Furthermore, in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), it was determined that furnishers are required to conduct a proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 
In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within 15 days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law. 
Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information. 
This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by 15 Days from the Date of This Letter. 
Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I signed up for an American Express XXXX XXXX XXXX that promised XXXX membership rewards points after spending $ XXXX. I spent the $ XXXX and noticed that the points hadn't posted after a few days. After calling American Express they said this would be fixed in a few days. Today I called back after a week of not hearing anything, and was told that I would have to wait 12 weeks to begin the process of escalating. They also said that I would have to pay the $ XXXX bill in the meantime. 

This is not what I signed up for. The points should be posted on my account already, or I shouldn't be required to pay the $ XXXX bill until the points have been delivered. All reports I read online say that this will drag on for months and that American Express will never actually deliver these points. 

I am getting multiple conflicting reports from American Express as to what the issue is. But the short answer is that I have spent the $ XXXX that I agreed to, so now they should add the XXXX membership rewards points onto my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except XXXX  XXXX XXXX. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was startled to receive a notice from Experian that XXXX placed a collection account on my credit report, dropping my immaculate credit to XXXX. I opened a dispute with Experian the same day ( XX/XX/XXXX ) to explain that there is no humanly way possible that I've had an account with XXXX in almost a decade ( certainly longer than the 7-year reporting period for collection accounts ), because I have been completely XXXX XXXX XXXX XXXX since XXXX. After speaking with XXXX, they said the debt was from between XX/XX/XXXX and XX/XX/XXXX ( beyond the 7-year reporting period for collection accounts ). I also relayed to Experian that XXXX did not have my correct name, address, grade, service end date, unit, etc, so there is a large chance this debt ( regardless of date ) is a mistake. On XX/XX/XXXX, Experian said XXXX verified this debt as mine and it will stay on my credit report until XX/XX/XXXX. 

I opened a second dispute with Experian on XX/XX/XXXX, in a last-ditch attempt to show that there is no possible way I've been associated with XXXX in almost a decade and that XXXX themselves are saying this debt is over 10 years old. In a phone call with Experian on XX/XX/XXXX, Experian said that, while they believe me, their hands are tied and they have to keep this collection account on my credit report. Experian again confirmed that XXXX verified this debt as mine and it will stay on my credit report until XX/XX/XXXX. 

I work for a large firm who currently needs to do a credit inquiry for a corporate card. I wont qualify for the corporate card with my credit score at XXXX. Experian 's credit reporting errors are putting my livelihood and ability to feed my child at risk. 

I have not had an account with XXXX in almost a decade. There is no possible way I have a recent collections account with XXXX that should stay on my credit report for the next 7 years. Please remove this inaccurate collections account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have more than 4 years of credit history with both XXXX  and XXXX but not with Equifax. I am in the process of mortgage application and the lender wasnt able to pull report from Equifax so my application is delayed and my buyer contract will be revoked because of that. 

Both XXXX and XXXX have my credit reports and history and I know my creditors sent my info to all of three credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX  XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE XXXX TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Mortgage

I notorized and signed a loan modification agreement with Sortis Financial on XX/XX/18 ; and Sortis signed it on XX/XX/18. The new terms are interest rate of 7.6 % for 25 years with new payment amount of {$990.00} starting on XX/XX/18. The XXXX payment was sent electronically on XX/XX/8 in the amount of {$1100.00}, the old payment amount. On XX/XX/18 an electronic payment for XXXX was sent in the amount of {$990.00}, which is the new payment. Attached is a copy of the loan modification and agreement signed and notorized by both parties, with a copy of the envelope they mailed it in. On XX/XX/18, I received a letter in the mail dated XX/XX/18 from Sortis that my mortgage had been sold to XXXX XXXX XXXX ( payments - XXXX XXXX XXXX XXXX, Tx, XXXX ; correspondence - XXXX XXXX XXXX, XXXX, CA XXXX or XXXX ), effective XX/XX/18. It says that Sortis will receive payments with respect to this loan thru the day before transfer. 
Something does not sound right regarding this transfer after the loan modification agreement. 
In addition, I received back from Sortis, the original signed and notorized loan papers, with no explanation or cover letter.
Product: Credit reporting or other personal consumer reports

This is my second complaint about this situation ... first complaint is CFPB XXXX XXXXXXXX. XXXX stated that they would remove from all 3 of the big credit bureaus, Experian is still showing this on their report.
Product: Credit card or prepaid card

On XX/XX/22 a charge was made to my netspend card without my authorization. It was a case of credit card fraud. Tha amount was {$77.00}. I explained to the card provider that I did not authorize this charge. They have since said that they have investigated, and the charge is valid. It is not. They have sent me a letter stating that they can provide me with documentation proving the validity of the charge. I have requested this information XXXX  weeks ago and they have not mailed me any such proof. As a matter of fact, no such proof can exist. Again, the charge is fraudulent. I would like Netspent to refund my money plus the cost of my time and energy chasing them for XXXX months about something that is their responsibility.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/ I applied for a consumer transaction because I wanted to access a portion of my unlimited credit. They then told me I couldn't do anything because they weren't providing me with anything
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports