23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for the homeowners assistance fund. The homeowners assistance fund have submitted a 2 page document to my mortgage company, Loancare XXXX XXXX on XX/XX/XXXX. Loancare has neglected to provide this information to the homeowners assistance fund. I have made lots of attempts to call, Ive escalated this matter and still, nothing has happened. The last person I spoke to on the Escalations collection team at Loancare, by the name of XXXX at extension XXXX on XX/XX/XXXX. He promised to send the forms directly to the person who has to fill it out. He promised to call me in 2 business days. I still havent received a call. So here I am, back to calling and getting no where. 

I also applied for assistance through XXXX XXXX job and family services. I was approved but due to the delay in receiving a letter and W9 from Loancare, Ive had to reapply. This process already takes a couple months. To keep having to start over is frustrating abs drawing out the negative credit bureau reporting. 

Please assistance within getting the info to the HAF, as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX Consumer Financial Protection Bureau Case # : XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Discover you stated that my Acct # XXXX, was properly investigated. You also stated : Our records confirm we have received and responded to multiple credit bureau disputes and have responded in each instance that your account and balance are accurately reporting and valid. As such, we are unable to honor your request to remove the reporting for the above-detailed account from your credit files, as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. However, due to your dispute, we have reported the account to the credit reporting agencies as disputed and will continue to report it as such unless you tell us to stop reporting them as disputed. The credit reporting agencies that we report to are : 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 XXXXXXXX THE ACCOUNT IS CURRENTLY REPORTING INACCURATE INFORMATION The Date Of Last Activity is reporting inaccurately per my Consumer Report Dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The Last Payment Date is reporting inaccurately per my Consumer Report Dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The Payment History is reporting inaccurately per my Consumer Report Dated XX/XX/XXXX XXXX 30 DAYS LATE XXXX, 60 DAYS LATE XXXX, 90 DAYS LATE XXXX, 120 DAYS LATE XXXX, XXXX  XXXX XXXX 30 DAYS LATE XXXX, 60 DAYS LATE XXXX, 90 DAYS LATE XXXX, 120 DAYS LATE XXXX, XXXX  XXXX This is grounds for removal. 

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. 

15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; that if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer 15 USC 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 


15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Delete this account I HAVE INCLUDED SUPPORTING DOCUMENTS DEMONSTRATING YOUR INACCURATE REPORTING
Product: Credit reporting or other personal consumer reports

Went to Credit Acceptance website and it says that you can apply without any hard inquiries to your credit report, and the ONLY thing that I did was see if/what my approval odds would be. I did not go any further than that, I had not applied for a car past that and did not accept any offer however I now have a hard inquiry for Credit Acceptance on all 3 bureau reports from the date that I made the inquiry. I called XXXX and XXXX and was told to contact the company directly. I have made many attempts but was unable to get to anyone since I do not have an account. I don't have any other options to resolve this major issue, and I am planning on trying to get a house in the next few months but the inquiries have brought my score down XXXX points and I will not be able to qualify due to this.
Product: Money transfer, virtual currency, or money service

PayPal is deliberately and knowingly holding funds on money transfers for according to them up to 21 days for not valid reason. They scam their customers and provide instructions that are nowhere close to being executed in the PayPal online platform. I called them twice and twice all I got was extreme frustration and the message that funds will be held for 21 days. I asked them to reverse everything since they did not deliver on their promise that money would be available to my friend on XX/XX/2022 but they refuse. Money is held in their system and according to them this money will be held by them for no valid reason. The only reason I see that they are holding this money and other customers ' money is to retain it in their depository account to earn free accumulated interest revenue.
Product: Credit reporting or other personal consumer reports

I recently gained a copy of my credit report and came across some credit information or inquiries I did not apply for and I realized something was wrong!! The following companies are from XXXX XXXX and XXXX XXXX XXXX I have not requested any credit from either company
Product: Mortgage

My sister defaulted on a mortgage I helped her get I moved in with my new family she chose not to get a roommate milked the system for years and now I 'm in debt ... I just want to do deed of leiu so I can buy my family if XXXX a home and XXXX XXXX XXXX jerked me around after applying for their large lawsuit! Then shady transferred my account knowing I wanted to save the home and my credit yet still gave me to bsi financial in which I 've submitted XXXX loan mods to no avail!!! All I want is money to move into a new home w my family of XXXX and give this home up debt free! Nobody is cooperating! Please help us XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1800.00} Payment Info Original loan amount {$1800.00} Balance {$1800.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$610.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$610.00} {$610.00} Payment Info Original loan amount {$610.00} Balance {$610.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$640.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$640.00} {$640.00} Payment Info Original loan amount {$640.00} Balance {$640.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX   {$17000.00} Closed 7 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$17000.00} {$21000.00} Payment Info Status Repossession Status date XX/XX/XXXX Past due amount {$17000.00} Original loan amount {$21000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more all ftc violations
Product: Credit reporting or other personal consumer reports

Hi, so this is what happened - upon checking my report, there are credit inquiries on it that I am unfamiliar with. I don't remember about any of these and I did not authorized/consented to these companies in pulling up my report. This is absurd it's making me anxious.
Product: Checking or savings account

I asked to have funds my withdrawn but they said they are not going to give me my money or let me withdraw it and i ssked why not they said we do no want to do business with you anymore. Which is fine but i want my money and they are going to keep my check which is going to be deposited friday XX/XX/XXXX they told me they wont close my acc until XX/XX/XXXX which is almost 2 months they want to keep my money its my XXXX money and i have the right to my money! I need it for rent rent js due in a few days and i am XXXX if i dont get my money
Product: Other financial service

In XXXX, I had inquired about consolidating my student loans with The Student Loan Help Center. My student loans had went to default and i was afraid that I wouldnt be able to get them out of default. So i called this company The Student Loan Help Center. They made me feel like they were going to help me get my student loans out of default. They ask for a payment upfront of XXXX dollars. I didnt have all of it at the initial conversation. So i paid XXXX dollars intially and setup XXXX payments for 2 months of XXXX dollars. I was very hesitant about giving them the money. But, they reassured me that if i was not happy with the service i would get my money back. I realized later on in the month that i was dealing with XXXX companies. They had to send my information to another company for processing. So which that would make them a 3rd party. So, periodically I would call The Student Loan Help Center to check on the status of the consolidation process. But, everytime I call they would tell me that everything was going fine and i should hear something back in XXXX. But, that was not true, it was not okay, because they sent me a letter XXXX XXXX, 2016, stating that the consolidation process needs to be reinstated please contact their office. So when i spoke to their Representative XXXX, he had to put me on a conference call with XXXX XXXX. I was angry that they did not let me know that this had happened. I done some research and found that my consolidation has been this way since XXXX. They never thought about notifying me about this matter. The Representative lied to me about this matter. I also had a chance to speak with a Manager XXXX, today he was very arrogant and threaten to take me to collections if i canceled with them. I asked them to provide me with a invoice copy of services. In which would in detail explain what the money was used for. He quickly explained that they do not have to provide that statement to me. I really felt like i got taken advantage of. I would really like to have this company investigated for fraudulent activity and obtaining documents without having a license to do so.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On or about XXXX XXXX Midwest Recovery Systems placed an item for collection for {$780.00} on my credit report stating it was opened XXXX XXXX. On XXXX XXXX I mailed a certified letter to request validation that was received and signed for by them on XXXX XXXX and I have not received any response from my request to validate as of yet. This company also attempted to collect this same debt in XX/XX/2018and a letter of validation was sent at that time as well and their was not any response at that time as well it was just removed from my credit report until recently being placed back on their. I am asking for the company to validate that the debt is not past the statue of limitations, the amount owed, the original opening date. I have not had any form of communication with the company and I have not received any letters giving me the opportunity to dispute the item which is my right. I would like for them to remove this inaccurate information from my credit report immediately and cease reporting inaccurate information to the credit bureaus. They have also placed a remark on my credit report that I have disputed the account which I have not been given the chance to do so because I have not received a response to my request for validation from either attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX, XXXX XXXX PA, XXXX, CAPITAL ONE BANK USA XXXX XXXX XXXX XX/XX/2016 Balance : {$8500.00}
Product: Checking or savings account

XXXX dollars was withdrawn from my savings account with Wells Fargo from Wells Fargo location ATMS across XXXX XXXX, CA, from XX/XX/2021 to XX/XX/2021, in 5 transactions, despite me living and using my debit card during that time in XXXX XXXX, MO. My debit card was not stolen, nor did I give anyone my PIN. As soon as I realized the fraud, I filed a claim with Wells Fargo. They eventually denied the claim despite the fact that this was clearly fraud. 

I tried to reopen the claim and file complaints, but have gotten conflicting reports about whether they will reconsider it. They seem very skeptical of the fraud because my debit card wasn't stolen and I hadn't disseminated my PIN, but I also know that pins can be stolen and clone cards made. I eventually called the branches of Wells Fargo where my money was stolen, and I spoke to a helpful manager who offered to file an executive office complaint. I am still waiting to hear back on that complaint as well.
Product: Credit card or prepaid card

Tried using my Citi credit card, but Citi freaked out and blocked it. No valid reason for a block. All paid up and current. Anyway, the XXXX lady on the phone at Citi ( likely sitting in a XXXX sweat shop ) flat out refused to help me because I dont have a phone that texts. 

Over 75 million Americans dont have smartphones and Citi despises us all. They discriminate against each and every one of us. We are the elderly, minorities, rural residents, landline users, people living/working in bad cell coverage areas, and many who dont want to have to text with a call center in XXXX. 

And dont it beat all common sense that smartphones are easily spoofed. Mobile numbers get hijacked faster than a toupee flies in a hurricane. Citibank clearly prefers criminals more than certain demographic categories of real customers. 

So if youre either a smart criminal, or a white XXXX year old techie, well then, Citi is glad help you. But us 75 million lesser Americans? Citi is just trying to scrape us off their shoe. 

Youd better believe the CEO, XXXX XXXX XXXX, is the lead racist, hater, and elite - condescending against 75 million American citizens. Just give him the XXXX helmet already. And the Executive Response Unit is a joke. Theyll tell you to XXXX with evasiveness and ambiguous words, hoping us peons go away. Id bet they have a portrait of XXXX XXXX on the wall in the XXXX office. The minister of XXXX propaganda was a mastermind of manipulation, deception and discrimination. Wicked evil. Just like Citibanks XXXX endeavors to be. To get a job at Citi, you probably have a XXXX tattoo. Id like to think Citi goes the way of the XXXX party. They sure deserve to.
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. 

XXXX ) XXXX XXXX  : Account Number # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX XXXX ) XXXX  Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX ) XXXX  Account # XXXX XXXX ) Account # XXXX XXXX ) XXXX XXXX XXXX & Account # XXXX XXXX ) XXXX  XXXX  Account : # XXXX XXXX ) XXXX  XXXX  Account : # XXXX has violated my rights. 

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 or prepaid card

On XX/XX/XXXX, someone in XXXX, IL tried to make a purchase at a XXXX station using my credit card information. ( See XXXX ). 

On XX/XX/XXXX, Citi sent me FRAUD ALERT E-Mail ( XXXX ) recognizing it as a suspicious activity and DECLINNED PAYMENT. I immediately called them and confirmed that I made no such transaction. 

In the interim. I have made multiple phone calls attempting to remove such charge from my account, but despite promises by Citi Reps every time, it is still there. 

I even cancelled my account wit them! 

So now, to add insult to injury, they tacked on a {$30.00} LATE FEE? ( XXXX )
Product: Credit card or prepaid card

I have a charge on my statement from XXXX XXXX for {$12000.00} dated XX/XX/XXXX. this transaction is fraud and I reported this charge to chase as fraud by phone, and again by a letter. At first Chase gave me credit for this transaction in XX/XX/XXXX, but later Chase made me crazy, dragged the process and ultimately they closed the case and rebilled my account without merit.
Product: Credit card

On XX/XX/year>, I submitted my second application for a Costco Credit Card Visa Citi, with a credit score of XXXX. Despite my excellent credit history and high credit score, my application was denied for the second time. I had previously applied on XX/XX/year> and received a denial, which I believed to be an error. 

I have reviewed my credit report and found no errors or negative marks that would justify the denial of my application. I have also compared my credit profile to the credit requirements listed on the Citi website and believe that I meet or exceed all of the listed criteria.

I believe that the denial of my application may be discriminatory and unjust, and I request an investigation into this matter to determine if discriminatory practices were involved. I would like to request that the EEOC investigate this matter and take appropriate action to ensure that Citi and Costco are complying with all applicable laws and regulations related to credit and lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureaus to dispute some negative accounts that happened to be reported on my credit report. As it turned our, we dispute the accounts on XX/XX/2020. It has been more 45 day, and I have yet to receive anything in the mail. Please note that, according to section 611 of the FCRA, the bureaus are required to investigate, process, and respond to my inquiry. I am in the process of obtaining financing, but due to some of these inaccurate accounts, I haven't been unable to do so.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : Account Name : XXXX XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can & XXXX XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

Discover Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested Discover to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.