23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past year, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

They first denied me claiming I was missing document. Then they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2015, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to the fact I am of XXXX XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information and generally making it very clear that they had no interest in helping me for 2 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus seem to throw my letters out or do not do anything on my file. 
My name and alias name need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation
Product: Credit card or prepaid card

While I was navigating on the TransUnion website to obtain a free Credit Report, a window opened up that offered a XXXX XXXX. There was no price advertised with it so I thought it was part of the free report. I clicked on it and before I could realize, my credit card was hit with a XXXX charge. I didn't even click on a " Confirm Payment '' button before my card got charged. They could have at least advertised and warned that consumers were about to be charged for the buttons they click onbut nothing! I tried to contact customer service but all they could offer was survey windows to write something in, so I did. A lot of good I think it will do me! I also think TransUnion was pretty sly in how they present their website offerings ; with free report in one window ; then unadvertised subscriptions that cost money in the other. I felt pretty cheated. Can you please help me get my XXXX back to my credit card? Thank you XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card I received a denial letter. The reason they stated twice on each one is incorrect. I am uploading the denial letter. The one reason they state is delinquent past or present obligations. There are 3 accounts on my XXXX   credit report that do not belong on there. I have disputed these accounts several times. One account XXXX  XXXX XXXX is past the 7 year time barred. The other 2 do not belong on there either. Having this incorrect information is causing me to be denied credit. The other reason they gave is lack of mortgage information. I dont own a house and Im sure there are a number of consumers do not own houses and have a mortgage. I feel this excuse to not issue me a card is inexcusable. I have a 100 percent payment history on all my accounts. After applying for this card dropped my credit score due to the inquiry. I was told I have great approval odds. I am complaining because of the wrong information on my reports is causing me a hardship in obtaining substantial credit.
Product: Credit reporting or other personal consumer reports

These debts were paid and they are showing on my credit report as charge offs. some debts still showing on my report as collections but have a {$0.00} balance. I believe these to be a misrepresentation of my credit worthiness and should be removed from my credit report at all three credit bureaus pursuant to FCRA regulations. 

Collections : XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX opened 9-6-XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 Section 602 states I have the right to privacy 15 U.S. Code 1681s2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -XXXX won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -XXXX allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -XXXX should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -XXXX should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.
Product: Bank account or service

Navy Federal Credit Union had frozen my Bank account on numerous occasions as a means of obtaining payment on a credit card and would not allow me access to my account until said payment was made.
Product: Mortgage

SPSAccount # XXXXI am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXX XXXX
Product: Checking or savings account

XX/XX/20 Notified Revolut that i was recieving my paycheck into my account as a direct deposit and that it was a large amount as they told me not to worry that it would be fine XX/XX/20 Tried adding monet several times with my card to my account with it failing and external bank never being sent an authorization charge, meaning it was never issued from the originating bank ( Revolut ) Causing the transfer to fail. 
XX/XX/20 account locked no response and paycheck now deposited into account and I have no way to contact support or find out when i can access the funds I need to be able to live
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} 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

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

During the covid pandemic on 2020 I did a forbearance with XXXX XXXX, this due to my Family and I having a tuff financial hardship. The amount due was added to the back of the loan and spoken with the agent no credit was going to be affected. now this shows on all 3 credit bureau with different days.

attached all 3 credit bureau and closing disclosure
Product: Mortgage

Opened a loan with Bank of America in XX/XX/XXXX. Made my final payment in XX/XX/XXXX, the home was foreclosed on in XX/XX/XXXX. 

Why is this still showing negatively on my credit report in XX/XX/XXXX? 
Real Estate XXXX XXXX scheduled payment : {$2400.00} High Balance {$320000.00} Opened : XX/XX/XXXX Bank Of America Creditor Address : XXXX FL XXXX XXXX Fl XXXX Phone : XXXX I would like this removed. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Private Loan is a fraudulent account this erroneous charge needs to be deleted immediately with urgency. They sent this to a second party Firstmark Services. Now, they sold it to a company based out of XXXX known as XXXX XXXX XXXX XXXX. This account was opened in XX/XX/2009. The initial amount was {$12000.00} due to interest {$24000.00}. Ive reached out to all parties. Ive filled out a police incident report, FTC report, Ive done everything they requested over the past year. This needs to be removed and permanently deleted from my credit report dropping my credit over 100points this is egregious.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several discrepancies I recently discovered on my credit report. These inaccuracies are negatively impacting my ability to obtain credit, and I believe they require further investigation.

One specific item I would like you to verify is the XXXX XXXX Credit Card ending in XXXX. I request that you investigate this account to ensure the information reported is accurate. 

Thank you for your assistance in resolving this matter. I look forward to your prompt attention and response. 

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

this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to BBB of this fraudulent information. told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  ALSO THESE 2 ACCOUNTS ARE THE SAME PEOPLE UNDER 2 DIFFERENT NAMES " Original creditor : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX '' Account name XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX FOR YOU Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX   XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card or prepaid card

Capital One. 
I have been a regular Capital One customer for 12 years. 

I paid my credit card balance in full on XX/XX/XXXX. Even though there was a XXXX balance, Cap One withdrew my regular monthly payment on XX/XX/XXXX. 
On XX/XX/XXXX, I called their office and spoke to a representative who said they could mail a refund check to me 10 business days out. I countered with them to deposit it directly into my checking account for an expedited refund. The representative verified my checking account information and advised it would be processed in 2 business days. 10 days later here we are with no refund. I called today ( XX/XX/XXXX ) and spoke with a supervisor, XXXX. 
XXXX informed me that 1 ) they do not issue refunds via direct deposit and 2 ) there were no notes on my account of my previous discussion on the XXXX. I replayed the conversation for XXXX and requested that if she was unable to deposit the refund directly, as I was told they could, then I would expect a check to be overnighted to me. She advised she was unable to do so. 
When I asked to speak with her manager, she refused. She told me her manager, XXXX, deals with only HR policies and doesnt talk to customers on the phone. 
When I asked to be transferred to a department who has authority to process check requests, she refused. She told me they had no extensions and no ability to transfer. 
When I asked for the direct number to the office where I can speak with someone about this matter, she refused to provide me with one. She said you can find that number on social media. 

I advised XXXX that I, too, work in the finance industry and I know what options are available to bring resolution to an upset customer. XXXX and Capital One were unable to provide me with a resolution. I was told I would receive my refund check on XX/XX/XXXX. 

The Fair Credit Billing Act ( FBCA ) applies to open end credit accounts like credit cards. According to this law, creditors that offer open end credit must promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than one dollar. If you prefer a refund, it must be sent within seven business days after the creditor receives your request. 

Requested on XX/XX/XXXX. Refund expected onXX/XX/XXXX. Well beyond 7 business days ...
Product: Credit reporting

I had disputed XXXX accounts in which one was an inquiry and the other was an account. This request was completed on XXXX XXXX, 2017 in which all of my hard inquiries were removed ( XXXX accounts including the one I was disputing ). I noticed however, XXXX hard inquiries were reinserted back onto my account without any written or literally ANY notification to myself. The only reason I discovered the change was because of I monitor my credit through XXXX XXXX and seen a severe XXXX point drop in my score. 

I reached out on XXXX XXXX, 2017 to TU and spoke with a rep name XXXX to explain the reason for my call and was immediately told I would need to purchase a TU credit report for {$9.00}. I explained again the reason for my call ( the deletion and reinsertion of the inquiries and the score drop ) in which he first admitted a system glitch had occured. When I questioned why I would be obligated to purchasing their TU credit report for a mistake they caused, he became defensive and claimed he never said there had been a glitch and directed me to contact the companies individually to dispute each inquiry. This was very heartbreaking and insulting. 

I requested his supervisor and was transferred to a woman who stated the glitch was being investigated and to check again in a week. I informed her the most recent credit activity I was looking at had been over a week since their glitch, with no changes to my credit score. She then informed me that I would need to purchase a TU credit report to see their findings in which I requested her superior. I began to lose faith in TU after this continued byt knew I had to stand for what was right. 

I was then informed I would be transferred to her supervisor in the US. The last rep I spoke with informed me that the deletion and reinsertion should not impact my score significantly and that I further investigate. Feeling as though I had struck a brick wall with each rep, I gave up and decided to reach out to you for help. 

If TU would have owned up to their glitch and provided me with written notification of what happened, I would have understood but to first admit it, then insult me by stating I was never told there was a glitch and try redirecting me to other parties while attempting to strong arm me into purchasing a credit report for a mistake that they made -- is UNHEARD OF and downright belittling.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX - XXXX - {$8300.00} XXXX XXXX XXXX - {$7300.00} Late Payment XXXX  - XXXX - {$0.00} Personal Information Also Known As : XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.