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

I am filing a complaint because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the metro 2 compliance requirements from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Please delete the following accounts : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX # XXXX
Product: Mortgage

Back in XX/XX/XXXX I applied for forbearance due to Covid-19 and my husband and I were unemployed, were forced to close down our business. We were collecting unemployment which was not enough to cover all the bills. during this covid time, I was diagnosed with XXXX XXXX and went through XXXX and treatment. My forbearance ended on XX/XX/XXXX, My husband and I are back to work and doing very well financially and have saved up {$50000.00}. I applied for loan modification, and advised them I Have {$50000.00} to pay towards the past due amount and if they give me some kind of plan for the remaining. I was denied, I applied for repayment plan, was denied, I applied for deferment, was denied. Basically, I was not given any options besides, pay back payments in full or we foreclose. 
If they were not planning on offering any assistance, they should of not approved the forbearance and said you don't qualify. Now I have a past due of {$97000.00} and they want all of it at once. No plan at all.
Product: Credit card or prepaid card

Hello, I have a Discover Credit Card. I made a payment from my XXXX XXXX account for {$500.00} in XXXX of XXXX. I have used this account in the past with success. I initiated it through Discover 's mobile app. By the end of the month, the payment never reflected in my balance, but instead there was two " Returned Payment '' Fees. The money was for sure taken out of my XXXX account and never returned, and to this day Discover claims that I did not have sufficient funds ever. 

I opened a dispute with Discover and filled out their standard documents asking account numbers and explanation. I also provided them with multiple bank statements showing it left my account and never returned ( attached here also ). I did this for my XXXX statement for when the payment was initiated, but also, all the way up to XX/XX/XXXX. There was never a returned payment of {$500.00}. 

Eventually they closed my dispute for " not providing sufficient documentation '' even after posting all my statements and filling out their documents. This was late in late XXXX. I continued to call and they requested personalized letters from my bank to say that my payment cleared - but XXXX does not make personalized letters. I got to Discover 's payment department only twice since opening the dispute, and when they get to a point where I point on their balances, they say that they " need to look into it ''. They have hung up on me twice after I clarify that they've been there for months. 

As of XXXX, I called recently and they said " this is a XXXX case, and it is closed indefinitely. '' It seems that everyone I talk to now has no urgency whatsoever. I have thorough case notes on this Discover dispute that express I should be handed over to the payment department or manager immediately, but everyone has to start from the beginning each time I call and it's been no help. It feels like they are doing almost no investigation work since it seems each agent is stunned that there's tons of documentation despite the case being closed due to " insufficient documentation ''.
Product: Money transfer, virtual currency, or money service

I sent {$10000.00} from my XXXX account to my Wise account. Wise rejected the transaction and said that they refunded it. I didn't see it in my XXXX account after the time they said that I would and contacted XXXX. XXXX said they never received it. They said please send us a receipt from Wise with a trace id and they will look for it. I told this to Wise but they only sent me the receipt of the funds being received from XXXX but not refunded. They've sent me this same receipt 3 times even though that's not what I requested. I found it very frustrating that they can acknowledge that they've received the money and present me with a receipt but when I ask for a refund receipt it requires extra documentation ( which I provided ) and it needs to be escalated to a team that will reach out to me within 1-3 working days. Which they haven't. It should be just as easy to provide me with the refund receipt. I suspect they haven't refunded the money to XXXX. 

I have provided the documentation below. 

Wise said they sent it back on the XXXX or XXXX and as you can see from my transactions nothing was received that day or all the way up to XXXX of XXXX. But they keep telling me they sent it back on the XXXX or XXXX. But they have not produced a receipt that says that. A simple receipt would put all of this to rest.
Product: Mortgage

I would like to get my tax amount updated after we have received XXXX credit certification. We have solicited many times but they have not wanted to give it to me.
Product: Mortgage

My mortgage was transferred from one mortgage company to the next ( NewRez- a subsidiary of Shellpoint Mortgage. ) When the current servicer put the details in my account page, there was a random fee of XXXX. I think this is one of those nuisance fees companies stick on accounts hoping people will pay them to make them disappear. 

Their representative stated it was an inspection fee. No inspection was done on my home. No came to inspect my home. No one informed me that an inspections was to be performed on my home. No one told me there would be a fee. No letter explaining the fee was sent to me. No communication of any type was sent to me other than that my loan would be transferred on a certain date which included the address and website for submitting payments. I have never missed a payment or been late with a payment. I asked NewRez to waive the fee as a courtesy and the said no. So I want the fee waived because on one should be able to stick a fee onto a contract/Mortgage without consent.
Product: Credit reporting or other personal consumer reports

These inaccuracies have been disputed consistently for two years and Experian refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's are providing the consumer with accurate report.

My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to Experian and XXXX XXXX XXXX via certified mail. I can only assume that I will get the same response I have for the past to two years so I legal proceedings will began as well.

This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX Experian.
Product: Debt collection

My son was taken to XXXX XXXX in XXXX, XXXX by his mother. My son 's mothers name is XXXX XXXX, Me and XXXX XXXX were not married and I had no legal obligation to pay her debts. I was not present when XXXX XXXX took my son to XXXX and I signed no papers excepting responsibility for the payment. XXXX XXXX XXXX had XXXX bill her insurance for the visit. I was not on XXXX XXXX ' insurance but my son was. 

XXXX has repeatedly billed me for the visit. I told XXXX I did not take my son tot he visit, but his mother did and she is responsible for the bill. XXXX has continually called me and sent letters to collect the debt, I have repeatedly told XXXX that I am not responsible for the debt. 

I just received a collection notice from a debt collector for the bill. I called the debt collector that I was not responsible and wanted to dispute the debt. When I asked how to dispute the bill, the caller hung the phone up on me. 

It is wrong for XXXX to continually harass me for the debt which I am not responsible for. The name of the debt collector is : Professional Credit Service XXXX XXXX XXXX XXXX OR XXXX My account number with them is XXXX. 

I would appreciate help with this matter.
Product: Credit card or prepaid card

On XX/XX/2022, I redeemed my Citi thank you rewards point to purchase 2 of the {$50.00} XXXX XXXX XXXX cards and the Gift cards I received had {$0.00} balance as soon as I received them, I called the customer service helpline immediately and spoke with a representative who was able to check everything and informed me that there was some technical issue and he can see there is no balance on the cards which they have sent. Then he said he is going to resend me the cards and then puts me on 30-40 mins long hold and after being on the call for almost 90 mins he informed me that he has created a case and someone from back end are going to resend those gift cards in 24-48 hours.

After waiting for 2-3 days when I didn't get any updates I contacted back and spoke with supervisor named XXXX and informed her about the situation with the case # XXXX, Once again after waiting for a while she tells me that I need to wait 5 days until XXXX  XXXX, and I will be provided with a resolution by then. 

Once again the Friday XXXX passed by and I still didn't hear back anything and when I called back for the update they had no updates but just keep giving me run around for the issue and told me that I would need to wait 20 days to get the update on this case, I also requested to speak with a manager and was told someone is going to call me back in 24-48 hours but no manager ever called me back. 

I waited for 20 days like they asked even though they keep giving me the run around and every time I will talk to someone, they tell me another random date they can make it up to get rid of the call but even now given the 20 days have passed I have not been provided any help and now when I call them, they say it's 20 business days I need to wait. 

Given the circumstances and after keep getting several misleading information, On XX/XX/XXXX I contacted the Citi executive escalation department with case # XXXX and was told to provide a resolution in 15 calendar days. The representative " XXXX '' who contacted me regarding this from escalation was also very unprofessional and first she said she is going to try to resolve my case and give me call back in couple of hours with resolution but then when calls me back she told me that she needs more that which once again I allowed her more time as she requested and also provided her the evidences she requested but the after few days she calls me back and has different story that the previous department I spoke with they are still working on the case and they don't have any update or resolution at the moment. 

I am a Citi priority member and the amount of time and efforts they have made me waste on this is unbelievable and I can't even imagine that how unprofessional their escalation department is not only they provide is false information and play these games to try to get rid of the calls but also do not work in good faith to address the customer complaints. I requested them to hear the call recordings multiple times, but no one ever even acknowledged or apologies for what they have put me through.
Product: Credit card or prepaid card

Payment was due XX/XX/XXXX. Payment processed / cleared XXXX XXXX  on XX/XX/XXXX. 

Next billing cycle dated XX/XX/XXXX includes late fee and interest. 

Called bank / lowes. Was given a time consuming run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Crdit Card services is reporting my account as delinquent, 90 days late. I called to have this account closed In XX/XX/2019 and the account was not closed correctly by their customer service representative. There were TWO cases opened with their executive complaint department and the issues was not resolved. They pulled the call for quality assurance and stated the representative did fail to close the account at the date I requested it. Per my rights as a consumer under the FCRA, WELLS Fargo has the obligation under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that is believed to be Inaccurate. there is " reasonable cause to believe '' that information is inaccurate based on the investigation that was conducted and the call that was pulled, it has lead a reasonable person to doubt the accuracy of the information.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX I sent an international wire from my bank ( XXXX XXXX ) in XXXX to Chase Bank here in the XXXX. The money never arrived. XXXX sent me a receipt and charged me for the transfer. Chase stated it had never arrived. I have communicated with both banks at least half a dozen times to confirm by secure message and by phone. Both banks asking me to confirm with the other or initiate an investigation. This I have done. XXXX- " I can confirm that a trace was raised on XX/XX/2022 regarding the payment of $ XXXX that left your account on XX/XX/2022, and Chase Bank confirmed to us on XX/XX/2022 that the funds had been received and applied to the beneficiary account. The response we received stated We refer to our debit to your account dated XX/XX/2022 under reference XXXX for USD XXXX. Please be advised that the funds are credited to beneficiary on XXXX XXXXXXXX XXXX for XXXX USD under XXXX XXXX XXXX as per GPI tracking. This message is signed from the Payment Investigations department. 
Chase throughout maintain ignorance of the above notice and nothing has been received from XXXX into my account and the reference numbers I have supplied ( see note above ) mean nothing to them. I had a meeting in my local Chase branch in XXXX XXXX and conferenced with the wire department who verified the ref numbers I was supplying mean nothing, Both banks claim the responsibility is with the other bank. This is my pension money and although not a huge amount I can not afford to let it disappear and thank goodness it wasn't a large amount of my savings. What can I do as both banks are now just repeating their non responsibility. Are wires not insured in any way? What can I do please advise. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, AND XXXX ARE ALL REPORTING INACCURATE PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to your XXXX website, and I would like a resolution.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was in loan rehabilitation for a student loan. Around late XX/XX/2019, I successfully rehabilitated my defaulted loan and it was transferred to Nelnet within the following days. 
My last balance from the previous loan collector was at {$1500.00}. After the change over to Nelnet, the balance went up to {$2100.00}. On XX/XX/19 around XXXX ( central ), I talked to a Nelnet representative. Nelnet gave me a vague answer stating a 20 % increase happens when loans come out of default. The new balance is more than a 20 % increase. The Nelnet rep could not offer any other reason why my balanced increased. 

The previous loan collector was XXXX XXXX XXXX ( XXXX ) and Nelnet is the new collector. 

I have included the last notice from XXXX showing the balance they had.
Product: Checking or savings account

XXXX XX/XX/XXXX ~ {$400.00} XXXX XX/XX/XXXX ~ {$500.00} XXXX XX/XX/XXXX ~ {$500.00} XXXX XX/XX/XXXX ~ {$1000.00} This amount of monies was taken from my account by scammers who hacked into my computer and took complete control of my computer, and I had to have the XXXX XXXX from XXXX XXXX come into my home and I had to completely shut down my computer and not use it and cancel all of my appointments over the internet with my providers. They had also hacked into my cell phone and I had to call XXXX for them to do a scan and get things cleared up in my phone, as well. 

Because my bank says that I provided my PIN each time a transaction was done they say that I was part of the scam and they do not TOLERATE scams, and they took back the provisional monies that they deposited into my account and they refused to give me back my monies. 

This all started on XX/XX/2022, with me getting a call from scammers pretending to be XXXX, and them describing my printer and them telling me of a new program that they have, and I thought that it was a great program and I had no idea what I was doing, but I had opened the door and let them in and they put more than XXXX files on my computer and took complete control of my computer and I had to jump through hoops to get the control back from XXXX to prove that it was me. 

The real XXXX did contact me as the scammers had blocked their calls but after XXXX cleared my phone I talked with them, and they told me to go to the police which I did and they have everything locked in their headquarters as the scammers wanted me to destroy the cards that I had bought but I refused. I am not able to find the police report that they gave me, but the scammers even called me while I was at the police station, and they heard the call and told me to block them. 

I had the claim with my bank reopened as one gentleman told me it was obvious that I was not a part of what was happening and that I was taken advantage of but my bank still insists that I was part of the scam and they are refusing to refund my monies.
Product: Debt collection

I am writing to express my extreme frustration and ANGER about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. I am a victim of identity theft and I have been working diligently to resolve the issues that have arisen as a result. I am very disappointed that your bureau has not taken the necessary steps to assist me in this matter. I have already contacted the other credit bureaus and they have removed the accounts that were fraudulently opened in my name. I can not understand why your bureau is not complying with the law and removing these accounts as well. The questionable accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am extremely ANNOYED that I have to go through this experience and I demand that it be resolved immediately. I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - XXXX XXXX A XXXX - IncorrectPersonal XXXX XXXX- IncorrectPersonal XXXX XXXX- IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.