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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit card or prepaid card

In XX/XX/XXXX of this year I obtained a debt consolidation loan to pay off my bills which included my XXXX XXXX XXXX XXXX. The credit union mailed checks to my creditors. As I was not aware when the checks were arrived I still schedule my regular payment. The payment was posted on XX/XX/XXXX in the amount of {$11000.00}. My regular payment of {$360.00} posted on XX/XX/XXXX. XXXX XXXX XXXX XXXX also charged me interest in the amount of {$230.00} when my balance reflected as XXXX AND my payment posted on the XX/XX/XXXX. I called them on XX/XX/XXXX and was advised they would reverse the interest and it would take 3 days. I gave it a week and checked my account. I called back on XX/XX/XXXX and was advised that the last CSR did not notate my account and it would be done again and take up to 3 days. I checked my account this morning and it is still not applied. As such, I would like assistance receiving my credit so I can close this account. XXXX XXXX has a habit of this practice and I no longer want to have a financial account with them.
Product: Debt collection

I received an alert that I had a collection on my credit. I never received any type of letter saying I had a debt, it just popped up on my credit reports. When I looked at the debt and the original creditor there is no way it could be mine. It says the debt is from XXXX  and I never had an XXXX account and in 2017 when they stated the account was opened I was only XXXX and I live with my parents.
Product: Student loan

On XXXX XXXX, received a letter with an account number ( XXXX ) on it indicating I can apply for XXXX XXXX XXXX. I had my student loans for when I attended and graduated through NelNet. I paid my loans off around XXXX ( not sure exactly but it has been a long time ). I attempted to call them on XX/XX/XXXX and was on hold for an hour and XXXX minutes and couldn't get through. The automated message was to try and use the automated services, but when I put in my information there is no record of my account. After that long being on hold I waited until XXXX XXXX to try and call again. The automation again said no record and that there was an XXXX min wait, then that XXXX min became XXXX minutes. After being on hold for over XXXX minutes, this company doesn't seem to answer or give correct information. I am concerned that there are now student loans out there for me since I am getting an application to discharge it, why else would they send me something regarding loans that were paid off over 10 years ago. Now I fear that I am going to have to go through for fraud/identity theft. 

There letter states they are here to help, but not really. After trying to get a hold of them for almost XXXX hours, I am no further along than I was prior, except now more aggravated. I want to know why I received such a letter, with an application to discharge a debt that has been paid off for ages. If they say I don't have an account ( which the automation does ), then this is a misrepresentation and deceptive practice to send a letter indicating I can have something discharged that doesn't even exist, why else would a company spend all this money mailing documents/letters on items that are paid off, most businesses are there to make money, and there is no money to be made, nor a regulatory requirement to send something like this on a paid off account, which leads me to believe there is some sort of fraud involved. 

If they say I don't have an account, then please provide a legitimate reason ( s ) for sending me this information.
Product: Debt collection

A letter was sent to my place of employment, that was a false court document, asking to.garnish my wages.They wanted banking information, and social security number information.They put my job in jeopardy by doing so, on top of the humiliation I had to face at work.
Product: Credit reporting or other personal consumer reports

I paid a bill from XXXX  that was in charge off as Im trying to get square with any money I owed. Some how XXXX XXXX reported it as a 30 day late and it tanked my score. It is not accurate and I would appreciate your help in this matter. Thank you
Product: Mortgage

Bank of Albuquerque referred this account to an attorney and initiated a foreclosure action before properly reviewing my modification request, which has been pending for a long time now. I have never received any decision from Bank of Albuquerque regarding my pending loan modification/loss mitigation application. 
As a result of Bank of Albuquerque 's failure to assist me with my application, I requested assistance from XXXX ( a HUD-approved housing counseling agency based in XXXX ) since the XXXX. XXXX has been assisting me with trying to preserve my home ; they have submitted a workout package/loan modification/homeowner assistance application, which is pending review. 
XXXX has informed me several times throughout this process that Bank of Albuquerque staff is often unresponsive and not helpful in trying to process ( and expedite ) my loan modification request. There has been no continuity of contact -no single point of contact- to assist with loss mitigation options, as required by law. The times I have contacted Bank of Albuquerque to discuss my options and pending loan modification/loss mitigation application, there is an unreasonable wait time, being put on hold, and ultimately never getting to speak with the " right '' person. If this lender/servicer would be cooperative, as required by law, perhaps the process for me to obtain a modification and get current would have been easier and without so many roadblocks.
Product: Mortgage

My home was in default XX/XX/XXXX, so I paid the XXXX to bring it current and received a letter stating that the payments had posted ( the letter date was XX/XX/XXXX ). I made another payment for XX/XX/XXXX at the bank. They accepted the payment. I missed a payment in XX/XX/XXXX ( that following month ). This is XX/XX/XXXX. Yesterday I checked the mail and found that 5th 3rd had sent my XX/XX/XXXX payment back to me. I called the bank and spoke to the default department for about twenty minutes. I was informed that my house will go into foreclosure any day now. I asked why did n't they apply my XX/XX/XXXX payment, I was told because I missed XX/XX/XXXX. Now they are saying I 'm in default and they will not take a payment unless it 's XXXX to be exact. Because they did n't apply my XX/XX/XXXX payment when I brought it to them, it put me in default and although I have money for another payment ( my mortgage is XXXX per month ), they will not accept it. Had they accepted my XX/XX/XXXX payment, I would n't be in this predicament. My house is valued at XXXX. I owe the bank XXXX. If they foreclose on my house, they 'll keep XXXX plus in equity AND resale it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed the lawsuit against Experian, alleging, systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of there dispute outcomes. These failures aligned with my experiences, where experience has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : XXXX.
Product: Credit reporting

Experian is not responding to any of my requests to investigate, verify and remove the XXXX accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus and placed a fraud alert and filed a FTC report on XX/XX/year>. Someone is still applying for credit without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX, XXXX XXXX, XXXX have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.

270
Product: Credit reporting or other personal consumer reports

Ive had a credit score up until XX/XX/XXXX. My credit report was removed. I called Experian and they did not tell me why or would they transfer me to someone in a higher position to assist me. This is impacting me in many ways and I need to investigate why my credit just disappeared : I also contacting my credit card to see if they were reporting my payments and they confirmed they are.
Product: Money transfer, virtual currency, or money service

I am writing related to the following complaints about JPay : improperly processing stamp purchases, improperly processing money transfers, and improperly processing password changes. Previously, when I attempted to purchase stamps for the state of NY for a specific inmate, it processed them for the state of NJ. Stamps for the state of NJ cost more. So, what happens is I have to turn around and purchase stamps again. I've used stamps for the state of NJ on one occasion. On another occasion, they processed a {$20.00} money transfer to an inmate that I allotted postal stamps in order to pay for postage to my home for {$200.00}. They claimed they gave me confirmation that the payment was going to be processed for {$200.00} when they did not. They refused to refund the money. Because I did not feel it was appropriate for the inmate to have to jump through the hoops to mail me a check back, I gave him three different options : keep the money for XXXX, mail the money back to me if he thought it was important, or donate the money to a charity of his choice. He chose to donate the majority of the funds to XXXX XXXX and provided me with the receipts for the donations. He kept {$70.00} of the money for himself, which is fine by me, in order to pay for future stamps, envelopes, paper, copies, and other items needed. Finally, I have attempted to change passwords on numerous occasions with JPay through my desktop. It will allow for the changes, kicks me out, I log back in, and it will not accept the password. I end up having to reset the password, which goes to my XXXX  account at XXXX ( the e-mail my JPay account is under ). Then, I redo it through my phone by accessing my e-mail. It finally accepts it. I'd also like to recommend that JPay allows for longer passwords : 22 characters minimum. At this character length, hackers essentially give up and quit trying to access an account. JPay has a lot of problems on file with the CFPB and published in the news. Including recent lawsuits. The way they are handling customers is not ok. I'm currently working on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I can attest that there are huge problems with their system.
Product: Credit card

- XX/XX/XXXX went to a gas station in XXXX XXXX XXXX and attempted to use my Chase credit card to purchase {$47.00} USD worth of gas from a gas station here XXXX XXXX XXXX. There are many reviews reporting suspicious credit card practices here but I was unaware of this at the time. 
- Chase denied the transaction and I received a SMS message from chase alerting me that it had been denied. Chase asked if it was me making the transaction and to reply YES if it was me. 
- I replied to chase YES and the man said " this happens all the time this is XXXX '' - He then pulls out a different XXXX XXXX ( handheld credit card scanner ) and says here we can try this one and taps that scanner ( it visually showed the same amount ). This time I received no text but he told me it was also denied. 
- I had about {$30.00} worth of USD on me in cash and they agreed they would just take that amount and call it good. 
- I returned my rental car and went to the airport that day and bought a sandwich before sitting down at my gate. 
- 3 days later I was reflecting on these events and I thought maybe there was some other fraud happening with my card at that gas station as it was weird how friendly they were when they accepted my {$30.00} worth of cash which didnt cover the full amount and saw on my statement a fraudulent transaction for {$1800.00} from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX that happened at the exact same time. I wasn't even in city of XXXX let alone purchase anything close to that amount on the trip. My rental car was through XXXX XXXX and was only {$550.00} USD for the trip. 
- I contacted chase and alerted them of the fraud charge on XX/XX/XXXX and they said they would flag it as fraud and send me a new card. 
- On XX/XX/XXXX ( XXXX business days and XXXX calendar days ) the charge re-appeared on my statement with no notice from Chase at all. Which in it of itself is shady business practices to not even alert me in anyway... 
- I contacted Chase attempting to share these events and it did not appear they were willing to reverse their decision at this time. They would not give me a reference number for the dispute or anything of that nature so i do not believe they plan to resolve it. They stated someone might get back to me by letter but I do not expect to hear from them. 
XXXX Chase claimed that my fraud claim was denied because I made subsequent purchases on the card after the disputed event occurred claiming that the disputed event must not have been fraud since it came from the physical card which was in my possession at the time... Which is pretty unfair for them to claim when the transaction was likely fraudulent and their system could easily have similarly asked me " Was this? Reply YES or NO '' for the follow up transaction that was over 35x as large as the one they were originally worried about. If their system was suspecting fraud from the {$47.00} charge how could it have allowed the larger $ XXXX transaction to go through without question ... what a security flaw. Very disappointed with my treatment over this so far and with Chase over this.
Product: Mortgage

BACKGROUND - I have an investment property located at XXXX XXXX XXXX in XXXX, Georgia that is currently in foreclosure. No sale date is currently scheduled. I requested approval for a short sale from the lender XXXX Wells Fargo XXXX - which was approved almost 2 years ago. I have had multiple sales contracts - but XXXX potential buyers eventually canceled because the process was taking so long ( they found other properties to buy ). I complained to the CEO and SVP in written letters on XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Each time I received a letter from XXXX XXXX XXXX - Senior Vice-President Wells Fargo Home Lending stating that she would investigate and get back to me. I have not heard back from XXXX XXXX XXXX with the results of any investigation. SPECIFICALLY - THIS IS MY CURRENT COMPLAINT AND REQUEST FOR ASSISTANCE : A short sale offer of $ XXXX was made on XXXX/XXXX/15. The buyer is a cash buyer and funds have been verified by Wells Fargo. On XXXX/XXXX/2015 my sales agent spoke to a Wells Fargo representative in the short sales department. As per the representative, the file was declined for the offer being too low. As per the underwriter, they want an offer of at least {$180000.00} as the current appraisal they conducted deems this to be at fair market value. Two key points. A short sale from another buyer WAS APPROVED by Wells Fargo and underwriter for the exact same amount ( $ XXXX ) on XXXX/XXXX/2015. XXXX The buyer canceled a few days later because they had been waiting since XXXX/XXXX/2014 and found another house to buy. ) A new appraisal HAD NOT BEEN DONE between the dates of XXXX/XXXX/2015 and XXXX/XXXX/2015. No material market conditions or home improvements have been made since XXXX/XXXX/2015. After waiting for almost 2 years - I would like to get this short sale finalized. The fact that Wells Fargo approved $ XXXX in XXXX, we received a new offer 2 months later for the same amount with a qualified buyer, and now that offer is being rejected - is not ethical. I would appreciate any help you can provide.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the XXXX XXXX. V gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. no, nor therefore, any such that in fact exist. ( please remove this account before I see litigation for determination of character. ) XXXX XXXX XXXX balance {$140.00}.
Product: Checking or savings account

OnXX/XX/XXXX I happily went to a local Chase branch to open up a new checking account. As part of the opening I brought in an opening bonus coupon that gives {$500.00} for opening new account with Chase.

Who knew this would turned out to be a disaster, the very next day Chase closed my checking account ALONG WITH ALL MY EXISTING CREDIT CARDS. I have not done anything to the account at this point other than initial funding of the account. I suspect two reasons for the closure. 1 ) Chase simply does not want to pay out the opening bonus. 2 ) I was targeted as a minority and the banker had flagged my account. I had a College Checking with Chase before and at the time I did not open with a bonus coupon and the banker was a minority himself. A closure did not happen then and I had it for a long time until I grew out of the account.

There has been no other reasons I can think of that would justify the closure of my accounts. I called Chase on XX/XX/XXXXand they refused to state the reason of closure, which seem even more suspicious as they can't even come up with a legitimate reason for closure.

I've never seem such outright discrimination from a financial institution as Chase. I am truly disappointed as I was trying to expand my banking relationship with Chase and they did it.
Product: Student loan

My student loans were placed in a " forbearance status '' after I requested assistance in XX/XX/2018 due to temporary financial hardship. On XX/XX/2018, credit monitoring service notified that I was 90 days late on 3 student loans. After contacting XXXX XXXX, they stated that the account was currently in " forbearance status '' but had not previously been. This issue seems to be a clerical mishap and is greatly effecting my credit score as the single payment was distributed/reported to 3 individual loans.
Product: Checking or savings account

On XXXX I had a fraudulent XXXX  transaction. I called the bank as soon as it posted ( less than 2 business days ) The bank basically says I did it and will not put the money back. I asked for paperwork supporting the denial and they sent 3 screen shots. Luckily a teller at the bank printed the whole investigation file ; ) so I know that what the bank says and what they found are not the same.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/24 to see what updates have been made from my XXXX dispute made. As I logged on i see the correct address was added but the address XXXX XXXX XXXX XXXX Texas XXXX was not removed being that is not my address nor did they remove the name XXXX XXXX or XXXX XXXX XXXX. 

The only address that's suppose to be listed is XXXX XXXX XXXX XXXX Texas XXXX The only name that is supposed to be listed is XXXX XXXX XXXX I clicked on it to dispute it again and the document that I have attached showed up. So I tried calling them and as a previous issue from last year when I called I was unable to get through at all and speak to anyone.

The screen shot is basically stating as if they can't erase it due to it being connected to other accounts and I have to reach out to those Individals in which I don't know who and I don't have what they are needing.

By law I asked them to remove that address that is not mine and it is not connected to me and mail can't not be delivered to me at that address.

I turned in drivers license, social card, pay stub etc with my current address and the only name that I go by. It should not be up to the employees to do what they feel they should do but by they should go by the laws.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Product: Checking or savings account

I tried to open a checkings account and they denied my application referring me to contact XXXX XXXX.
Product: Debt collection

Its a fraud credit card someone started in my name. No idea who what where. I called to dispute and they were rude. 
They also sold my information without my approval. This has been disputed for a couple years and they still require money. XXXX and Authorities have been contacted. It is a shady scam company ruining peoples credit.
Product: Checking or savings account

I am the executor of my XXXX brother ... ..I set up an account with my local Chase bank to manage the account ... ..I recently received a check from the US Treasury Dept that has my name & my XXXX brothers name on the check ... .I tried to deposit that check into the established estate account ... .and my local Chase agent would not let me deposit that check into the established estate account ... ..!