23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Account # XXXX and # XXXX for Department of Education/Nelnet were official discharged on XXXX/XXXX/XXXX but they continue to show on my XXXX and XXXX credit files as 120+ days late with comments of 180 days late. This status has been updated as of XXXX XXXX, XXXX. When I contacted Nelnet they indicated that they have not reported on that account since XXXX XXXX, so they did not indicate that to any credit bureaus. I have submitted supporting documents proving these accounts are showing 120+ days past due and have asked them to send me a letter indicating what the current status is to send to the credit bureaus for updating and they refuse and continue to not to offer any help in this matter. I have disputed this inaccurate information several times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit.
Product: Mortgage

RE : Wells Fargo Home Loans XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX Loan # XXXX TO WHOM IT MAY CONCERN : This serves as a Notice of Error as enacted by Consumer Financial Protection Bureau effective XX/XX/XXXX. 
We applied for a modification with our Servicer, Wells Fargo XX/XX/XXXX. We worked with a certified HUD Housing Counselor named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. We worked with XXXX XXXX to provide Wells Fargo with a hardship letter, and all our documents that provide evidence we have the income to support modification mortgage payments. 
Despite our eligibility for a modification, Wells Fargo denied our loan modification request. Wells Fargo sent us a letter, dated XX/XX/XXXX, that stated we were denied, but they failed to provide a reason for the denial, as specified in the CFPB Modification Rules : 1. ) Denial of a loan modification option : A servicer that denies a borrower for any loan modification option must provide a written notice to a borrower stating the basis for the servicer 's denial. 
2. ) Net Present Value ( NPV ) Test : If an NPV test is the basis for a denial, a servicer must provide the borrower the inputs used in the NPV test. 
3. ) Investor Requirements : If an investor requirement is the basis for a denial, a servicer must describe the investor requirements ( simply stating that an investor requirement exists is insufficient ). 
4. ) Waterfalls : Servicers may follow investor " waterfalls '' to determine eligibility for particular loss mitigation options but must explain the existence of the waterfall as the basis for the denial of any loan modification option. 
We filed an appeal within the 30 days which was prepared and submitted by XXXX XXXX to Wells Fargo. Wells Faro denied our appeal, and once again we did not receive a detailed reason for the denial, pursuant to the CFPB regulations. 
We are disappointed that Wells Fargo continues to violate the CFPB Servicer Modification Rules. 
This is our family home and we have the income to support reduced mortgage payments. Please provide us with the level of detail required pursuant to the Rules so that we can address any perceived deficiencies. 
Thank you. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to get Experian to take off the collections. The letter from XXXX said I was not given notice and it should have never been reported. You can not keep it on there- it is not legal and is still ruining my credit. My next step is litigating this and a federal judge will make you take this off there. Experian must delete the entire Collections. It does not matter that the debt was valid in the first place.
Product: Debt collection

We are not nor have we ever been in debt. I have receive many, many, many, many, many, phone calls from GC Services at XXXX. This is harassment. I demand compensation right now!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I can not take this any more. I want help right now. This should not happen to us. I want these people in jail right now!!!!!!!!!!!!!!!!! My wife and I have always been responsible and do not have any debt. I served for 21 years in the XXXX and XXXX XXXX. I or my family should not be treated this way. I want GC to pay for this harassment. If now help comes from this then I will truly know that doing the right thing and serving my country is a joke!!!!!!!!!!!!!!!!!!
Product: Mortgage

Re Conventional Home Mortgage with Chase On Thur XX/XX/XXXX I submitted a Chase Payoff Wire online.

The amount wired was in excess of {$1000.00} more than was due to pay off the mortgage.

My bank verified the funds were wired to Chase that same day.

On Fri XX/XX/XXXX I submitted a Chase Payoff Wire online.

My bank verified the funds where wired to Chase that same day.

The amount wired was in excess of {$1000.00} more than was due to pay off the mortgage.

My bank verified the funds were wired to Chase that same day.

Both of the above payments where submitted using exactly the same process and of the exact same Dollar amount. Please see attached verification from my bank regarding both payment amounts sent on the days referred above.

The first payment was declined by Chase, the second later payment was accepted.

Chase charged me a late fee and interest for days in between.

Obviously it was in Chase 's interest to denie the first payment and charge me according, as they knew they were losing me as a client!
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was current, now my account says 30 days late. How does an account that has been paid off and closed for over a year now recently become 30 days late when it was reported as current in XX/XX/2018? I truly believe XXXX XXXX XXXX XXXX Ashely 's Furniture is discriminating against me and this is not fair at all. The account has been paid off.
Product: Credit card

This complaint is about Synchrony Bank. I have not had a balance on my card in several months but they continue to charge interest ( on a XXXX balance!! ). I was first charged {$21.00} interest even though I pay off my balance in full every XXXX weeks when I get back. The next month after I stopped using the credit card all together ( with a XXXX balance!! ) I was then charged a {$2.00} " minimum interest fee ''. 

I have 6 credit cards and have had cards open for almost 25 years. I've never been charged interest on a credit card a single time in my life. Synchrony is not following laws on first money in, first money out. They are also not abiding by any grace periods required by law. They are charging interest on XXXX BALANCES and balances before the grace periods are over in conflict with the CARD ACT and other applicable laws. 

I have called Synchrony customer service to request refunds and to inform them they are breaking the law. They have not stopped charging fake interest fees on XXXX balances, nor did they refund me the fees they charged in violation of the law.
Product: Debt collection

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet Equifax and XXXX  are still reporting some of them. Equifax in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Product: Debt collection

On XXXX of XXXX I was admitted to the XXXX XXXX in XXXX TN. I had " XXXX XXXX " insurance and I paid my deductible a few days after the discharge. About a year ago I notice an item from XXXX and XXXX on my credit report ( on behalf of XXXX XXXX ). I call them and they told me that there was a balance of {$910.00} split into XXXX accounts. They also told me that they did not have my insurance information. I gave it to them and they said they will bill the insurance. On XX/XX/XXXX of this year I notice the item is still in my credit report I called them again and they suggested to have a conference call with the insurance. On XX/XX/XXXX I called XXXX XXXX and the associate Ivy called XXXX I was told I can not be in the call. After the called XXXX called me and said they did not have the insurance number and they will submit the bill a few days later I called XXXX and they told me that I need to submit the bill to the insurance company but it was too late and it might not get paid. XXXX ask me to request the bill and I did on XX/XX/XXXX. They never send the bill. Furthermore, I reviewed the bills from XXXX and there is a charge from vista radiology on XXXX XXXX XXXX the item was paid by the insurance. Therefore vista radiology did have my insurance information and as stated by the insurance my deductible was met and they would have paid for any services if XXXX XXXX would have submitted the bill. The attached documents show charges for radiology services on the date indicated by XXXX XXXX XXXX Also indicate that my deductible was met. There is no excuse from XXXX XXXX they did not submitted the bill although they have the insurance number. XXXX should stop reporting false information to the credit agencies
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 card

I endorsed MY dividend not to myself but rather to AMEX. I physically sent them my endorsed draft, uploaded to the AMEX dashboard and faxed it XX/XX/year>. I've attached MY endorsed dividend along with a letter from AMEX, denying my bond ; HOWEVER, MY BOND WAS NOT RETURNED TO ME. 

AMEX must defend this denial claim given LEGISLATIVE CONGRESSIONAL RECORD-HOUSE, page 78, XX/XX/XXXX, Title IV which outlines Sec. 401, the sixth paragraph of section 18 of the Federal Reserve Act : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, BILLS OF EXCHANGE or bankers acceptances acquired under the provisions of this act ; when such circulating notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security notes, drafts, bills of exchange, and bankers ' acceptances acquired under the provisions of this act ; SHALL BE REDEEMABLE IN LAWFUL MONEY of the United States on presentation at the United States Treasury or at the bank of issue. '' I have record of your representatives, repeatedly promising my account was being credited withing XXXX hours, over the course of XXXX weeks of several phone calls and electronic chats. 

Additionally, before AMEX started abusing my credit, my score was XXXX. AMEX recently sent me a letter ( attached ) admitting a " RECENT REVIEW '' of my XXXX score which led to their decision to limit MY credit usage to no more than {$20000.00}. This is an INTENTIONAL VIOLATION that WAS NOT AUTHORIZED. You reference the FCRA in your letters ; however, you openly dismiss the legal requirements to ensure compliance. This is not the first violation AMEX has carelessly solicited, abusing MY credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts has not been verified
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX of 2021, my current Mastercard who Blackhawk XXXX now monitors expired. This is a " Funds do not Expire '' card, printed on the front of the card. No replacement card was sent and I was advised when I called their customer assistance that a new card would be reviewed? I have {$4000.00} of funds that they are trying to steal from me by not issuing a new card or sending me a check for that amount if they do not want to do the card. 

I have sent multiple messages via email to Blackhawk, case XXXX ( send XX/XX/XXXX ) and no response or update in two weeks. A XXXX  case was also opened on XX/XX/2021. They have no right to my money that was on this card and account and again, need to immediately send a new card with those funds intact to use or send a check for that amount to me. 

Please advise what actions can be taken so this situation is resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN failed to comply with 15 U.S.C. 1681b ; the company is STILL refusing to remove ALL requested items of inaccurate information from my consumer report over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax about getting these inquiries removed because the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. 

1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX. XXXX XXXX L 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX I need these removed as soon as possible. I had no problem with XXXX   removing them. Please help me. 

XXXX XXXX
Product: Checking or savings account

Capital 1 keeps denying me access to my account because I am either in XXXX at the time or my cell phone camera lens is broken. They have taken money from my account for a wire transfer then told me they didnt transfer the funds so I made another transfer then they said they did transfer the XXXX funds and to call back to stop the sending of the XXXX wire. Each time I call back they refuse me access to my account. They keep saying the law requires me to have a working cell phone. My phone works but the camera does not. XXXX XXXX XXXX XXXX refused me access and refused any other means to identify myself other than my camera. He then stopped serving me and transferred the call to XXXX XXXX XXXX XXXX. They told me all US based phones wok everywhere in the world so me saying I could not call when I was in XXXX was false. However with my XXXX XXXX  I do not have roaming and it does not work in XXXX. They refuse to discuss my wire transfers and transferred money without authorization since they refused to speak with me when I called back. XXXX has stated the Capital one can not accommodate my XXXX for effective communication as well. They refused to serve me again today forcing me to send another wire transfer in order to avoid fine a fees from US Customs and Import areas.
Product: Credit card or prepaid card

Hi, I have recently come to the XXXX to finish a XXXX XXXX under a student XXXX XXXX. Ive had an american express account in XXXX where Im from, so asked american express XXXX if i could open an account in the XXXX, transfer my credit history and get the same account tier even if i wasnt a permanent resident nor had us based income ( i get paid by an off shore company on a XXXX XXXX account ), and i got told they will just get my history from amex XXXX and it was no issue. I used my passport for id verification ( passport number XXXX ). I linked my account to a XXXX based bank account that i opened with XXXX. 

It took a while but i finally received a card on XX/XX/2022, started spending, received my sign up bonus, paid for my membership fee and added an authorized user to my card for an extra fee. After it was all set up i called and asked if there was something i should now about the status of my account before i close my XXXX  account ( not wanting to pay 2 membership fees ). I got told it was not an issue and i should just call amex XXXX and get them to transfer my points and close my account. 

I did that, and 4 weeks later ( XXXX XXXX ) i receive a call from American Express financial review team asking me to provide evidence of a XXXX based income ( which i had never been asked for before ). When i explained my situation i got told that my account will be canceled in 3 weeks ( XXXX XXXX ) and there was nothing they could do, and that it means i got given wrong information when signing up. 

Looking online, i cant find any information indicating that i need us based income. Calling customer service again, i got told that i couldnt keep my card, couldnt get a prorated refund of the membership fees ( XXXX total fees paid ) and couldnt keep my sign up bonus. 

I am really disappointed and fell ripped off as they started that because Im cancelling my account Im not eligible for any refund, but Im not cancelling myself, they are cancelling my account.

It really feels unfair to me, especially given the fact that i have been honest about my situation from the beginning, that i have always been told it wasnt an issue and i have now canceled my other account and transferred everything here. 

EDIT : i found out by seeking help online that it has been happening to several other people, all of them on XX/XX/XXXX Im looking for help on this matter as it really feels shady to me, they are not giving me any information on the process, no possible solution, no heads up that this was gon na be an issue, and a very short time frame to get my stuff in order ( probably wont have my XXXX account opened up and running again to transfer the points before my account is canceled ).