23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been providing documents to Wells Fargo bank for the last five years trying to qualify for a loan modification and for five years Wells Fargo some reason or another keeps miss reading or mis documenting my file and every time because they miss read or misunderstand my documents they reject my loan modification request, for example the last letter of rejection that they send to me on XXXX XXXX, 2017 it was mailed to a wrong address and in that letter they gave me 36 days from the date of that letter to file an appeal for that decision while the letter was sent to a wrong address when I asked them to fax me a copy of that letter by the time I got this copy it was too late to appeal.
In that letter they mentioned the reason for the rejection 1- NPV saying my house is worth {$850000.00} where as my house is the most worth {$700000.00} 2-they mentioned my income to be {$9400.00} where my income that I provided documents to the bank is {$10000.00} per month, which it should keep my DTI at 37 %.
Every time I reapply for a modification the Wells Fargo find a way an incorrect way to reject my modification request where meanwhile my loan balance is going up and I am drowning under so much debt.
Wells Fargo has made up an attorney representation given to my real estate agent without my consent and has been refusing to speak with me due to that until recently that my real estate agent wrote to them questioning that decision and writing and asking to revoke that attorney representation and asked the bank to communicate with me. All these excuses to delay and reject my request for modification?
I would like to direct your attention to the attachment under attarney representation page 2 of 5 the reasoning for rejecting the modification request and the RMA attachment showing how much income I am claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Checking or savings account

I called Bank of America ( BoA ) by phone to request information about my account and they informed me that it was blocked since XX/XX/XXXX for a suspicious online access alert. To reactivate I should come to a branch in person to validate my identity. 
On Saturday XX/XX/XXXX, I went to the branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and opened an identity theft claim. 
Someone who impersonated me accessed electronic banking, made wire transfer transactions to XXXX for low amounts, asked for a debit card and made transactions with. They opened new accounts under my name with a USA address. Total loss was {$69000.00} however, BOA denied my claim without an explanation. They said that a letter was mailed out to the address on system. But that is a fraudulent address ; at the time of changing my contact information nobody called me ever to verify that. BOA didnt perform any due diligence to verify if I was the person who asked for the changes.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX in 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 recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB finding indicated that ZELLE has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Prepaid card

XX/XX/XXXX a {$4.00} inactivity fee was charged to my prepaid Crypto.com card. I reached out to support who stated I did not have any purchases in the previous 12 months. This, however, is not true. Last XXXX & XXXX ( At least from what I was aware ) I purchased something from the card. I believe this issue stems from them hanging the bank handling the funds, but this does not excuse them from charging the fee without due cause. 

After several hours of speaking with support and going back and forth they had hoped that I would simply give up on the matter. They will not let me close the card down, refuse to give me my money, and simply have been nothing short of rude. 

This can not be the only instance of this happening as they purged my data and say they can see nothing back to the opening of the card in XXXX
Product: Mortgage

Please send the attached request for information per RESPA to Nationstar. I am asking for a detailed breakdown of legal and recording fees to the account. I also asked for a re-calculation of the per diem interest, as I believe a mistake exist in the calculation.
Product: Debt collection

I had my car towed back to XXXX XXXX, after it completely Died on me, After SO many complications with this vehicle, then i called the finance company to tell them where it was at, so they could repo it, beings i Couldn't put Thousands into the car, Plus the rest of what i owed, which was XXXX , Plud Another car payment, This was Back on XXXX, Revently, within the Last 2 weeks, the Finance company, Continues to call me, All day Long,,, i just Emailed them as Agrivated as i Am, to STOP, im hoping they do Stop, but its Westlake financial services.
Product: Credit reporting or other personal consumer reports

ATIVE I was working out at XXXX  XXXX XX/XX/year> my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. XXXX {$4700.00} act # XXXX, XXXX {$3200.00} act # XXXX, XXXX {$4200.00} act # XXXX, XXXX  XXXX {$3700.00} act # XXXX, XXXX  XXXX {$1000.00} act # XXXX, XXXX $ XXXX, XXXX XXXX XXXX XXXX {$1400.00} act # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX, Portfolio Recovery ServicesXXXX XXXX {$690.00} XXXX # XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX {$3100.00} act # XXXX. Banks opened fraud are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax for my XXXXXXXX XXXX account. These late payments do not accurately reflect my payment history. 

Summary of Errors and Discrepancies : Inaccurate Late Payments : All three bureaus report late payments ( 30, 60, and 90 days ), which are incorrect since payments were consistently made on time through autopay. 
Contradictory Account Status : Although the account is marked as " Current '' and " Paid, '' the payment history reflects late payments, which conflicts with its actual status. 
Inconsistent Reporting Dates : Each bureau lists different reporting and activity dates, leading to discrepancies in the record of account status. 
Credit Limit Discrepancy : The reported credit limit is {$0.00} across all bureaus, which may not accurately reflect the original credit line. 
These errors misrepresent the accounts history and potentially violate the Fair Credit Reporting Act ( FCRA ). I request that Equifax correct these discrepancies to ensure accurate reporting. 

Nature of the Complaint : Inaccurate Reporting : The reported late payments are erroneous. I have consistently made timely payments, as all my accounts, including this one, are enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : Reporting of false late payments may also violate the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate credit information reporting. 
Additionally, the FCRA ( 15 U.S. Code 1681i and 1681s-2 ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, allowing for damages if agencies fail to comply. 
Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all entries reflect my actual payment history of 100 % on-time payments. Please provide written documentation of the corrections within 30 days of this complaint. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc of inaccurate information showing up on credit report XXXX, XXXX, and Experian has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

Account Name : XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) Account XXXX : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX  KY ) Account # XXXX XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acoount # : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Number : XXXX Account # : XXXX 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

I have XXXX Bank of America credit cards. For about the tenth time in XXXX years I have made my monthly payment timely to B of A, in excess of the minimum amount due. B of A has a system error they refuse to fix whereby payments submitted in close proximity to the generation of a monthly statement will be reflected on the account, but will not clear the " payment due '' code online or in their voice response system. And that is not just a harmless " glitch '' -- it is actually on their books that there is a payment still due. The XXXX time I assumed it was a " glitch '' and would resolve itself, it did not, and B of A started calling me about a " late payment. '' Subsequently it happened numerous times. This past month it happened on XXXX of my B of A cards and with the payment due notation still on there, I just went ahead and for about the XXXX or XXXX time just made a double payment because I did not have an hour to dedicate to sitting on hold. So, happened again this month on my other B of A account, made my payment, still showed due. So I started an online chat a few days ago and the rep said they would fix it. They did not. I have now been on the phone for almost an hour with B of A and they are saying all they can do is reverse the payment I made and have me remake it. And they first tried to tell me the incorrect story that it was a " glitch '' that would resolve itself once the next statement generated. I pointed out to them the first time I made that assumption they were on the phone with me calling me and accusing me of failing to make a payment when due. Unbelievable, unacceptable, bumbling incompetence. They should have their license pulled.
Product: Credit reporting or other personal consumer reports

I tried to perform disputes about issues on my credit report on my own, and was unable to get the issues fixed. 

I hired a credit fixing company to assist me in correcting issues on my credit report. I received a letter from Experian about 30 days after the initial dispute was filed to inform me they did not believe I was the individual disputing errors with my credit report. Experian wanted me to deal with them directly although I could not get them to fix the issues previously. The letter had a phone number. I called the phone number, and the computer prompts only directed me to the website to deal with them directly as I had previously. I wrote Experian at the address provided informing them that I did authorize the disputes. I included their initial letter and case number. After 30 days I received a second letter to inform me they did not believe I was the one who authorized the disputes, so they would not be taking any action on the disputes. I am almost at 90 days with them refusing to investigate my disputes for incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following accounts are listed below : -CHOICE RECOVERY INC XXXX XXXX XXXXCHOICE RECOVERY INC XXXX XXXX -CHOICE RECOVERY INC XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Equifax It has come to my attention that continued requests for removal of credit inquiries and erroneous accounts that do not belong to me are still entered as accounts on my credit report. You also have an incorrect address, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX, XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX , XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XX/XX/XXXX THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME! 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry listed on my credit report and to demand its immediate removal. After reviewing my credit report, I discovered an inquiry from [ Company Name ] that I never authorized or gave permission for. This inquiry was made without my consent, and I consider it to be both fraudulent and a violation of my rights.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX .
Product: Credit card or prepaid card

On XX/XX/XXXX I made an on-line application to HSBC for their gold Mastercard. 
Application ID:XXXX On XX/XX/2019 I received a phone call supposedly from an agent of HSBC. He wanted personal information from me over the phone. 

There were a number of problems with this phone call. The first one being that I am severely XXXX XXXX. I tried telling this to this man to no avail. I told him I was having great trouble XXXX him and could he please contact me by email. He told me he would not and could not do that. This was enraging. Can HSBC or other credit card companies not accommodate their customers who are XXXX   or XXXX XXXX? This seems a violation to me of basic respect, care, and concern. I also think this is clearly discriminatory. 

Secondly, I told the man I did not know who he was and had no way of verifying that he indeed was associated with HSBC. He told me he could give me a phone number to call him back at. I told him that all that did was give me a phone number at which I would have no way to verify I was calling HSBC and it also brought up again that I was XXXX XXXX. Was there a part of that which that man did not understand. 

I told him again I would gladly answer all questions by email. He said again, he would not and could not do that. They have my email address as part of the application. I see no reason why they couldn't make this accommodation+. Lately there have been a great many phone scams directed to the elderly, I have no way of knowing this was not one of them. 

I am assuming by the time you get this complaint the credit application has been denied. A black mark against my sterling credit record and scores. All because HSBC and its agent could not make accommodation for a man who is XXXX XXXX. This to me is not only unwise business practice but is also clearly discriminatory under what I believe is the law. 

I had no way of contacting HSBC. They did not give me an email address to address this issue to them and no phone numbers so I sent them a letter yesterday, an admittedly slow way of dealing with the issue but the only one I seemed to have. 
I sent the letter to their mailing address : HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report as reported. This request is based on the recent deletion of the account by XXXX, one of the four major credit reporting agencies. 
I recently disputed a charge-off of {$910.00} XXXX XXXX Bank listed on my XXXX report. After a thorough investigation, XXXX deemed the debt unverifiable and removed it from my report as of XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure the accuracy, fairness, and verifiability of the information they report. Since XXXX removed this account after its verification process, I request that you do the same. 
Key Supporting Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) : Mandates the removal of inaccurate or unverifiable information.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Requires accurate and complete reporting by information suppliers.
Product: Credit card or prepaid card

I have an account with Chase credit card # XXXXXXXX XXXX XXXX XXXX.I noticed multiple fraudulent charges made totaling around {$19000.00}. One of the main indications that these charges were not made by me is that some of them happened at non-kosher establishments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX amongst others ) .I strictly observe XXXX, and would not eat or take food to go that do not have certified XXXX certifications. There were also large charges made at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and some clothing stores ) I tried disputing this with Chase explaining that I did NOT make those charges. I called numerous times but they gave me the runaround. As of yet they still claim I owe them {$19000.00}. 
I met with a Chase representative who agrees that these charges should be dropped. His contact info : XXXX XXXX XXXX ( officer ) XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX cell : XXXX office XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am having a few issues with Equifax, XXXX, and XXXX. These 3 agencies have been reporting incorrect information on my credit report. I have submitted multiple request to have incorrect information removed from my credit report and the agencies have not responded nor have they corrected this incorrect information. The credit bureaus are being negligent to my requests. There are multiple errors including CO payment history being reported on a payment timeline. Incorrect high balances across all bureaus, incorrect dates of last activity. Per the FCRA each credit bureau must report identical information in which none of them are doing so. There is also a credit card being reported on my credit report and it is not mine Ive requested this credit card be removed from my report multiple times to no avail. Also the credit bureaus are reporting some of my accounts as charge off a charge off is considered income not debt under consumer law.