23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was denied for a loan modification on XX/XX/XXXX due to a Negative NPV test. I really didnt know what this meant so i called Wells Fargo and they informed me that i could request the NPV results by faxing in a letter requesting the information as stated in the letter. I faxed the request on XX/XX/2017. On Thursday, XX/XX/2017 I spoke with a Representative who confirmed the request was received and the NPV results will be faxed over to me and to give them until Monday. On Tuesday XX/XX/2017 I spoke with a Representative, XXXX, who informed me that the request was not submitted and he would escalate this matter to the person assigned to my file and advised i call back within 24 hours. Today XX/XX/2017 when i called Wells Fargo and spoke with XXXX, she stated that they can not provide this information and because they use an outside source. I am now nearing the deadline and i still do not know why i have been denied and no one there will tell me. The only thing they tell me is that it was denied due to a negative NPV. What does that mean??? I am now going to miss the deadline to appeal because i still dont know why i am being denied.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts I have listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX Account number : XXXX Amount : {$690.00} Account name : XXXX Account number : XXXX Amount : {$8800.00} Account name : XXXX XXXX XXXX Account number : XXXX Amount : {$610.00} 15 U.S.C 1681 Section 602 A ; states that I have the right to privacy.

15 U.S.C 1681 Section 604 A ( 2 ) ; it also states a consumer reporting agency can not furnish an account without the written instructions of the consumer to whom it relates.

15 U.S.C 1681c Section 605 ( A ) ( 5 ) ; states no consumer reporting agency may make any consumer report containing any of the following items of information ( Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 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 ) ; states 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.

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report that have not been rectified despite my diligent efforts to address them.

Over the past two and a half years, I have made multiple attempts to contact both my creditors and the credit bureaus to dispute and request the removal of erroneous items from my credit report. Regrettably, these efforts have been met with limited success, as the discrepancies persist on my credit report, negatively impacting my financial standing and creditworthiness. 

As a conscientious consumer, I have taken all necessary steps to adhere to the protocols outlined by the Fair Credit Reporting Act ( FCRA ) in addressing these inaccuracies. Despite providing supporting documentation and following the proper procedures for dispute resolution, the unresolved items continue to tarnish my credit profile, impeding my ability to access essential financial services and opportunities. 

I am deeply concerned about the lasting repercussions of these inaccuracies on my financial well-being and overall creditworthiness. I am reaching out to seek your intervention and assistance in facilitating a prompt and thorough investigation into this matter to ensure that my credit report accurately reflects my credit history. 

I kindly request that the Consumer Financial Protection Bureau investigate this issue and work towards a resolution that upholds the integrity of the credit reporting system and safeguards the rights of consumers like myself. Your prompt attention to this matter is greatly appreciated, and I am hopeful that through your intervention, we can achieve a fair and equitable resolution to this ongoing dispute.
Product: Credit card or prepaid card

This is regarding the Premium Car Rental Protection offered by American Express as an optional benefit for their cards. The dispute is with regards to incorrectly applying the charge for the premium for this benefit to a credit card which I had signed up for recently BUT HAD NOT enrolled for the Premium Car Rental Protection. Following are the details. 

I completed a car rental at XXXX on XXXX XXXX, XXXX and on XXXX XXXX, I saw a charge in my credit card account for {$24.00} from Amex for Premium Car Rental Protection. I did not recognize that charge as I had not signed up for this car rental protection and immediately filed a dispute for the charge Amex Dispute Reference Number : XXXX. On XXXX XXXX, I received a letter from Amex about the dispute resolution and in the letter it stated that the charge is valid since I had signed up my card account for the Premium Car Rental Protection service in XXXX XXXX and hence the charge will stay. I agree that I had signed up for this benefit in XXXX for the other American Express credit cards that I had. However, the credit card in question, I applied for this card in XXXX XXXX and had not consented to be enrolled in the Premium Car Rental Protection. Being a new card account, there was no reason for me to suspect that American Express would enroll my card in this benefit without specifically asking for my consent or even informing me about it. However, they did and then when I used the card for the car rental, they charged me for the benefit. This does not seem fair and I feel American Express is using my consent from XXXX ( which I had given for other card accounts ) incorrectly and applying it to a new account incorrectly. On top of that, they are unwilling to make it right and even after 2 disputes filed, multiple phone calls with AmEx representatives and the Premium Car Rental Protection department, they refuse to make it right. This practice by  American Express to enroll the customer 's accounts for a charged benefit unbeknownst to the customer is very deceptive and shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX XXXX XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly invegestigate my disputes regarding inaccuracies in my credit report. Dispite my sibmissions, Equfax consistently responds within 24 hours stating the account is accurate, withiut proving any evidence of a thorough investigation. i want reported accounts to be removed. " According to the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this account as I believe it to be inaccurate. Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation and verify the accuracy of the information being reported. If the furnisher of this information can not provide proper validation, I request that this item be deleted from my credit file immediately. Please provide written confirmation of the results of your investigation. '' I want reported accounts to be removed.
Product: Mortgage

It is with great regret and frustration that I write to you requesting help.I must begin to tell you that I am a victim of serious health problems and predatory lending, I shall attempt to describe the circumstances which occur and were beyond my control. I was enticed into a loan by a company called XXXX. I signed a negative amortization loan. A couple years later I owed more than the house was worth. It was also and is today a 9.99 % loan. 
I was unable to sustained my monthly payment. I became extremely ill in XXXX with a XXXX condition. I had XXXX. This a XXXX. I was no longer able to XXXX at my XXXX office a full XXXX hours. 
Due to my XXXX condition, I was required to XXXX. In XXXX XXXX I had XXXX. I had physical limitations due to XXXX. 
My work load was reduced I began to default on my mortgage. I attempted to resolve my delinquency to no success I am recuperating and working now and I am asking for another chance. I am regaining stability. I want to keep my home. The bank does not want to hear or see that these were circumstances beyond my control. I am asking for another chance. 
Please review and advice.
Product: Checking or savings account

On XXXX XXXX 2017 around XXXX to XXXX I visited the ATM machine at Chase Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX. I deposited cash into the machine in three separate stacks because I knew the machine could n't handle so many bills at one time. The first stack was counted and then the second stack of bills was counted. When I hit add more cash for the third stack of bills and I inserted the remaining bills I had which were all in the form of {$1.00} the machine continued to count for a few minutes before it completely stopped with an error message and printed out a receipt saying to call the XXXX number. I called the number and informed them I inserted between $ XXXX in the machine and they asked me about certain codes located on the receipt. Chase gave me a temporary credit and told me they would investigate. On XXXX XXXX 2017 I received an email stating : " We 've thoroughly researched your dispute and wanted to thank you for providing your information. We decided the account transactions you reported on XXXX/2017 were correct. We will reverse the temporary credit of {$400.00} on XXXX/2017. '' This email did not make sense to me so I figured I 'd just wait it out and see what happens. On XXXX XXXX 2017 the credit was reversed and the {$400.00} was taken from my account. I called Chase and spoke to customer claims and they stated that the machine was opened twice and there was no extra cash in the machine and there was nothing that Chase could do to help me. I stated that the ATM has camera 's that can see me making a deposit and the Rep. said they can only prove that I was there but not prove I was making a deposit. When asked who opens the ATM 's to inspect the extra cash the representative stated that the branch manager as well as the techs inspect the inside of the machine. I immediately called the branch manager who said that was false information. I am very upset as this is complete fraud. I am a XXXX year old XXXX XXXX who works 50+ hours XXXX XXXXXXXX XXXX XXXX in order to make ends meet. I never thought I would be a victim to a bank. There 's no other way to prove what happened other than the ATM camera 's and the codes I gave the claims representative on the night of the incident.
Product: Credit reporting or other personal consumer reports

ATG CREDIT LLC Last reported XX/XX/2023 {$2700.00} Open balance XXXX XXXX XXXX XXXX  Original creditor Account opened : XX/XX/2023 ( XXXX mos ) I did not open an account on XX/XX/XXXX of XXXX. This is all the information I have and I do not know what it is from. I have never received any information in the mail for this unknown account and only noticed it on my credit while doing a bank loan transaction recently.
Product: Checking or savings account

XXXX Previous claimplaint, Im filing this complaint injunction with the complaint number above. I previously advised the bureau about the practices I was experiencing with Wellsfargo. As I informed them about the overdraft fees I was XXXX when funds was in my account before the cut off period numerous of times. I was told the app didnt update as their records did so the funds was showing incorrectly to me. I can see the funds available through the app but was told they was not and was charged and overdraft fee a numerous of times. I havent heard anything about the fact that a second account was opened up without my permission and without my knowledge. I was told that a settlement was issued to resolve matters but what do that have to do with the situation I was experiencing. Do I have to provide my own person to investigate my accounts. I ask for all the accounts for which Wellsfargo had in my name and could it be mailed to be. The gentleman stated he could not provide me that information that I would have to go into the branch. I want this matter resolved and for them not to just push it aside as if nothing was done wrong.
Product: Credit card

Complaint is that I and all are being manipulated via the issuing of extremely lower FICA scores generated by individual lenders. In this case Synchrony Bank who maintains the greater majority of my retail credit cards,  XXXX  accounts currently being challenged and my score is  XXXX  pathetic. I have paid off my mortgage and other accounts and in lieu of going up it goes down. I have been denied credit and the ability to get a loan and they both the credit bureau and lenders point at each other. By opinion lawless sham for consumers have no protection from anyone- none!
Product: Vehicle loan or lease

I have spoke to XXXX XXXX from Credit Acceptance on a few occasions. I also spoke to a lawyer who represents them, yesterday and my account is still showing as past due when my car was already repossessed and sold at an auction in XX/XX/XXXX. The representative advised me they aren't doing anything with my account and don't plan on making any changes to my account/ I never received the date, time, and place for the auction, or a phone number you can call for more information about the sale. I've requested numerous times for a break down of all charges and amount car was sold at auction for back in XXXX of XXXX. I haven't received any updated info from XXXX XXXX and I received disdain when calling to the law firm who works with Credit Acceptance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on three separate occasions to have this banckruptcy corrected and removed I disputed this banckruptcy because it was never verified. When I disputed the banckruptcy i received a letter back saying first it was verified through the courts and then one saying it was verified through a third party. I sent in documents showing that it was in fact never verified and each time I asked for documents proving that it had been verified I only got letters stating it was verified never any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft!
Product: Debt collection

Wayfair sent a defective item XXXX for which I requested to return for a refund. Wayfair customer service contacted me and stated that they would refund me for the item and they did not want me to return the item. I have emails proving this. Several months later wayfair began contacting me by email and harassing me saying they reversed the refund on the credit card. I canceled the credit card and they sent a debt collection to XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm uncertain if paypal is a digital wallet or store credit. I can add value and subtract from the paypal account which is tied to my banking accounts and credit cards. I also have " paypal credit ''. I am having issues with paypal credit. Paypal is intentionally misleading and makes it difficult to get to a feature that you can pay off any special financing/promotions. They advertise across multiple online stores and establishments words such as " free financing '', " free financing for one year '' ... or so on. If a customer wants to look at the balance of each financed item, they are redirected to another site which I believe has been recently taken over by Synchrony Credit. There is nowhere on the Paypal site or the Synchrony site that allows the customer to choose how they want their special financing payment applied towards those Paypal promotional purchases. You have to call, wait on the line, etc. to get to an operator and even that is difficult as we all know that companies don't want to talk to their customers anymore. It is obvious that not allowing the customer easy access to pay off special financing is a benefit to Paypal because of the interest or share they get from Synchrony and a benefit to Synchrony from that same interest but there is no benefit to the consumer. And the " 24hr chat '' is XXXX. It is a virtual assistant.
Product: Mortgage

I refinance home in XXXX, XXXX with XXXX loan I never miss s payment the escrow account got negative buy a insurance company so my payment went from {$2200.00} to {$2300.00} they transfer my account to Mr.Cooper this as of XX/XX/XXXX in XXXX I paid {$2300.00} for in XXXX my went {$3000.00} my property taxes was not paid for XX/XX/XXXX they are delinquent that all was put in my house payment with property taxes and home insurance now Mr.Cooper want to keep my mortgage up to {$2300.00} thats not party of contract The escrow account comes to {$7000.00} delinquent
Product: Vehicle loan or lease

Hello I am in the hospital due to my XXXX XXXX on XX/XX/XXXX and the hospital said that I am in a mental state which is a situational XXXX I shut completely down to a XXXX XXXX  we was married for XXXX  years I lost the love of my life. I am going through a lot I'm out of work I'm not being paid I ask my XXXX to handle my account and ask them to work with me and please not take my car they decline me I'm trying to get better but stressing about them taking my car! Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Violations of 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear CFPB Representative, I am writing to formally file a complaint regarding a potential violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ), by IQ DATA INT Details of the Complaint 1. Violation of 15 U.S.C. 1681e ( b ) : Duty to Ensure Maximum AccuracyUnder 15 U.S.C. 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. However, my credit report includes inaccurate information that has not been corrected despite my efforts to dispute it. Specifically : * Inaccuracy : THIS ACCOUNT IS MISREPORTED. I have never resided at this address or signed any lease with property.

* Evidence Provided : I have submitted a complaint demonstrating the error.

* Impact : This inaccuracy has caused harm to my creditworthiness, resulting in higher rates and non approvals.

2. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) : Duty to Correct or Delete Inaccurate InformationUnder 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes information, the credit reporting agency must either correct or delete inaccurate, incomplete, or unverifiable information following a reinvestigation. In my case : * I initiated a dispute on 09/30/2024 regarding false information and harassment.

* Despite the clear evidence provided, IQ DATA failed to remove or correct the inaccurate information within the required timeframe.

* Instead IQ DATA INTL disregarded my complaint.

Requested Resolution I request that the CFPB investigate this matter thoroughly and take appropriate enforcement action. Specifically, I request : 1. Immediate correction or deletion of the inaccurate information from my credit report.

2. Confirmation that the information has been corrected or removed.

3. A formal review of IQ DATA INTL compliance with FCRA requirements to prevent future violations.

Supporting Documentation I have attached the following documents for your review : * A copy of my credit report highlighting the disputed information.

* Copies of correspondence between myself and IQ DATA INTL * Evidence supporting my claim, Thank you for your attention to this serious matter. I trust the CFPB will take swift action to address these violations and ensure compliance with the FCRA. Please do not hesitate to contact me at XXXX or XXXX should you require additional information or clarification. 
Sincerely, XXXX XXXX