23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am on a pre loan modification plan requiring me to make payments by the beginning of each month beginning XX/XX/XXXX. I made the payments beginning XX/XX/XXXX on time but the mortgage servicing company says I am a month late and they turned down my request for a loan modification. I sent them documentation of the payments cashed by them before the due dates. They have done nothing to correct the problem, reverse late fees, and restore my loan modification request.
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report regarding the XXXX XXXX XXXX XXXX account ( Account # XXXX ). Upon reviewing my report, I noticed discrepancies that require immediate correction. 

The specific inaccuracy pertains to the balance update date, which is listed as XX/XX/XXXX. This date is incorrect as it reflects a future balance update that has not yet occurred. Additionally, the past due amount and charged-off status should be reviewed for accuracy, as the last payment date is recorded as XX/XX/XXXX, and the balance should reflect any adjustments accordingly. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. I request an investigation into this matter and that the incorrect information be either corrected or removed from my credit report.
Product: Vehicle loan or lease

On the date of XX/XX/XXXX I sent a letter to the CEO of Global lending stating how they violated my rights. And Ill show what I sent to them and added all violations for this credit denial to get a loan for my vehicle. At the time I matched all qualifications and still got denied. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XX/XX/XXXX XX/XX/XXXX Global Lending Services XXXX XXXX XXXX XXXX, SC XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/XXXX, and I extended your organization the credit for the Application ID : XXXX Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. 



According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. 



Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ).

Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 



From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 



I hereby request you to these things below mentioned 1. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it.

If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. 



Thank you for your time and attention for this matter. 



Sincerely, XXXX XXXX XXXX This is what I sent to them in hope of a over turn in credit consideration they stated on the letter that Ill upload they have no knowledge of any credit transaction but I have two different dates where I applied and was denied the dates are as follows with application ID XXXX App ID : XXXX DECISION DATE XXXX XXXX App ID : XXXX DECISION DATE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. SOUTHWEST CREDIT SYSTEMS {$240.00} SOUTHWEST CREDIT SYSTEMS {$690.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ).

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion today, XX/XX/XXXX, to discuss the inquiry reporting issue that they had previously, but the customer service representative told me that she could not help me remove the invalid inquiries from my credit report. The invalid inquiries are as listed below : XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX  Requested On : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX I called Bank of America 's fraud department to report an online account take over and regain access to my accounts. They directed me into the physical branch closest to meat Bank of America 's XXXX XXXX XXXX XXXX XXXX branch in XXXX XXXX CA to verify my identity before further action could be taken. I brought verifying documents into the branch at around XXXX, regained access to my online account around XXXX, reviewed activity & filed 2 claims : Credit fraud - 3 unauthorized XXXX  transactions on credit cards totaling {$480.00}. I contacted XXXX, and those transactions were refunded on XX/XX/XXXX. 
Check fraud - 2 " cashed check '' teller transactions in XXXX CA, totaling {$5700.00}, which bank of america has not resolved. 

I froze all compromised accounts and was told I would receive further instructions on documents to submit etc, for the investigation. 

It has been 15+ business days since the claim was filed with no communication or action regarding the checking fraud investigation with Bank of America . I've called numerous times requesting information & that the funds be credited to my account. Bank of America refused to provide a timeline for crediting my account with the stolen funds and I have not received any physical mail with further instruction on the investigation. 

On XX/XX/XXXX when the theft occurred, I was physically in a XXXX XXXX CA Bank of America with extensive documentation verifying my identity, while simultaneously funds were being stolen, in-person, from a Bank of America branch in XXXX CA XXXX Unless Bank of America believes I'm magic and can physically be in two places at once, they have no reasonable grounds to withhold funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items below 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 accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX : {$320.00} XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired XXXX XXXX XXXX, XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
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 privacy and confidentiallity under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy.

15 U S C 1681 Section 604 a Section 2 it is also states a consumer reporting agency can not furnish a account without any written instruction.

USC 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the items of information .Any other adverse item of information other than record s of convictions of crimes which antedates than seven years.

USC 1681 s-2 ( A ) ( 1 ) 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. 

XXXX XXXX XXXX {$13000.00} - XX/XX/2023 XXXX XXXX XXXX {$1100.00} - XX/XX/2023 XXXX  XXXX XXXX {$4000.00} - XX/XX/2023 XXXX  XXXX XXXX {$4700.00} - XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Report inquiries I havent applied for contacted Equifax and explain to them I have a FTC report number XXXX of fraudulent activity XXXX XXXX XXXX XX/XX/XXXX inquiry date XXXX XXXX XX/XX/XXXX inquiry date XXXX XXXX XX/XX/XXXX inquiry date XXXX  XXXX XX/XX/XXXX inquiry date XXXX XXXX  XX/XX/XXXX inquiry date XXXX XXXX XX/XX/XXXX inquiry date
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card has reported my XX/XX/2022 as late on both XXXX and Equifax. I spoke to an XXXX agent on or around XXXX and advised the agent that they wrongly reported my card payment late for XX/XX/2022, to both XXXX and Equifax XXXX He did research and agreed that this was an accidental error on XXXX end. He said he would note the account about this error and would try to get it corrected. I advised the agent that I would be also disputing this error with XXXX and Equifax. Which I did dispute this error on or about XXXX Equifax updated my report to XXXX being current on or about XXXX. XXXX updated my report to being current and ontime for XXXX on or about XXXX. My credit report for both Equifax and XXXX updated to XXXX being paid on time and my credit score reflected the correction. Assuming this error by XXXX Credit Card had been corrected I was happy. 

Then on or about XXXX, I get an email from Equifax saying the Dispute is complete. Thinking nothing of this, and that the issue was rectified given the update on XXXX I did not research this at that time. 

Then on or about XXXX I get an email from XXXX saying the dispute is complete, again thinking nothing of this I did not research it at the time. 

On or about XXXX I checked my Credit report and saw a major drop in my credit score on both XXXX and Equifax. Admittedly I freaked and immediately researched the cause of this drop. My XXXX XXXX payment had reverted back to XXXX days late and XXXX was a missed payment by them. So on or about XXXX I filed a dispute with both XXXX and Equifax in regards to this error once again. 

Equifax completed the second dispute one day later on XXXX and now shows the XXXX payment as missed and 60 days late. Even worse now XXXX completed the second dispute on XXXX, and still shows the XXXX payment as missed and XXXX days late. 

I immediately called XXXX on XXXX at XXXX XXXX XXXX  XXXX the call was approximately 13 minutes. and explained the situation. I was placed on hold for a period of time and The agent once again confirmed there was an error on their end and to quote the agent sent to the back end for correction my issue with this is the agent was very vague when I asked if this was from the previous call or this call.. The agent really didn't specify, I asked for an email confirming and stating this and the agents reply was it will take 60 days to correct this on the back end, then you'll get an email ( whatever that means ) Feeling as though, I couldn't just take this XXXX agents word I asked for the agents name ( the agent said her name was XXXX but then spelled it XXXX ) I asked for an employee number and the XXXX Agent Said her number was XXXX. I really dont have much confidence that I was even given an accurate name or XXXX Employee Number.
Product: Money transfer, virtual currency, or money service

ABOUT 2IN AND HALVES YEARS I HAVE BEEN GOING THRU IDENITY THIEF, I HAVE TAKEN THE PROPER STEPS TO SUBMIT THIS CLAIM, I AM CLAIMING MY FRAUD INSURANCE AND MY LOST WALLET PREVENTION, IN XXXX I DEPOSITED MY BUT I'M DEPOSIT TO CASH APP, THEN DEACTIVATED THE ACCOUNT, UNKNOWEST TO ME I FORGOT TO LOCK MY ACCOUNT, AND CASHAPP XXXX, CASHAPP XXXX AND CASHAPP HAS LET ALL THESE UNAUTHORIZED PEOPLE TAKE MONEY FROM MY ACCOUNT ALL THIS IS IN MY MESSAGES IN CASHAPP , WHEN I FIGURED OUT WHAT WAS GOING ON I ACTIVATEDY ACCOUNT IN XXXX THIS YEAR THEN I REQUESTED MONEY FROM MY XXXX ACCOUNT WERE SOMEBODY IN THE CASHAPP DEPARTMENT KEEPED EXPKRING MY MONEY, SO I COULDNT GET IT OF MY CASHAPP, WHEN XXXX  FOLLOW THE MONEY I WILL FIND WHO IN CASHAPP WAS COMMITING FRAUD, AND IDENITY THIEF, I HAVE RECENTLY LOCKEDY CASHAPP ACCOUNT SO NOBODY ELSE CAN TAKEONEY FFOM MY XXXX  ACCOUNT, XXXX ACCOUNT, I HAVE SPOKEN AND VIRTUAL CHARED WITH INDIVIDUALS WHO GUAREENTED THEY WOULD FIX THE PROBLEM SO I CAN GET MY MONEY FROM CASHAPP ALL OF XXXX FOR I HAVE NOT EVEN GOUCHED XXXX XXXX FROM MY XXXX  ACCOUNT, I WOULD LIKE ALL MY MONEY BACK PAID IN FULL FROM CASHAPP, COULD U SEND XXXX IN MAIL XXXX  BRING IT IN PERSON TILL MY IDENITY THIEF AND FRAUD CASES ARE COMPLETED THANK YOU XXXX XXXX MY NAME IS SPELLED TWO WAYS XXXX XXXX DATED : XX/XX/XXXX TIME : XXXX
Product: Checking or savings account

XXXX/XXXX/17 went to make a purchase with the company card and instead used a personal debit card. Realized the mistake immediately and was issued a credit on the spot. Wells Fargo refuses to issue the refund to my account and are stating their policy is they can take up to 10 days to issue the refund. I contacted the local Wells Fargo, and three online representatives and they just say its their policy. This seems like fraud to me and especially since my account is now overdrawn. Is this an acceptable policy where they receive the money back but can hang on to it for a while collecting interest???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX and have been a XXXX veteran I filled out the discharge papers and they were not taken off my credit report
Product: Checking or savings account

Please help. I applied for an apartment and this apartment turned out to be fraudulent I filed a claim with Wells Fargo and I submitted the screenshot they requested and they still three months later close the case and continue to have my account negative over {$1000.00} and have a continued to accumulate {$35.00} overdraft fees for months I have contacted Wells Fargo and asked for this money to be returned and they say that the case is closed and I have to re-open a new case I reopen a new case three months later and submit the screenshot they request it again and I just contacted Wells Fargo today which is XX/XX/2021 and the representative told me that this case has no information linked to it I am tired of Wells Fargo treating me like this I would like my money back I open my account in Minnesota I live in Minnesota I bank in Minnesota I have struggled for months and months and I have lost my job to Covid and Wells Fargo a big of a corporation as it is comes down to damage and hurt consumers that are already vulnerable in this current time please help me get my money back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX
Product: Credit card or prepaid card

I ordered a Cash app card. After my social security benefits were deposited to that card, someone claiming to be a representative for the company told me someone hacked some of my funds and there was a hold put on the card. Last week I spoke to someone else claiming to work with cash app and he restored only {$10.00} to my card. Social security sent me a refund of about {$900.00}. Cash app has no live representative to speak to, and I just want my funds release to me. Afterwards, I will disolve my dealings with this company. 

Thank you.
Product: Vehicle loan or lease

Since purchasing this vehicle and securing the loan through Regional Acceptance Corporation, I have had some medical problems which caused my Mom to make the payments. She has been doing so but fell behind. Representatives have called my Mom 's phone number up to 5 times a day and most times, my Mom will talk to them. I wrote a letter and signed it on XX/XX/2019 requesting that my Mom be placed on the account. She was told that the letter was not accepted because they had to talk to me personally. That is not possible. Today my Mom attempted to make a payment and they would not accepted it. I don't think it is fair that they would not accept my letter because they are well aware of my medical problems. They call my Mom up to 5 times a day ( even on XXXX XXXX ) but won't talk to her about possible solutions to correct the deficiency. Yet they accepted payments from her without any questions. Please help! Thank you!
Product: Student loan

I have applied for PSLF over a year ago. I have submitted an application at least three times. I am unable to get clarification why all my employment verification is not correct based on the time frame for 120 payments/10 years working in public service. The information on the website for my account never updates except for requests for payment.

I work at least 10 years under a qualifying PSLF company. My current concern is that all of my loans that are listed as qualified ; continue to report a need for employment verification which I have submitted a manual signed and electronic signed form.

Trying to get a clear answer or understanding on the process has been unsuccessful.
Product: Credit card or prepaid card

We ran a small XXXX XXXX. We called our credit card company, First Data on XX/XX/XXXX to close the account effective XX/XX/XXXX. We were closing the business. I saw charges on one of our bank accounts that we were keeping open to pay any bills after XX/XX/XXXX. They charged us for XX/XX/XXXX & XX/XX/XXXX a total of XXXX with no activity at the business. We called to have the charges stopped & reversed, but instead were billed for XX/XX/XXXX. We have closed the account at present to stop the charges, but when we called, the representative told us that we were supposed to call on XX/XX/XXXX, of which we had not been told & that there was no supervisor to speak to ... of course untrue. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$4200.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Product: Credit card or prepaid card

I have a Wells Fargo credit card. They have my address and telephone number. Unknown to me, the USPS was rejecting my mail. Wells Fargo openly admits they knew the statements were being rejected. They could have called me, but claims they did not have permission to do so, same with texting. Or even send something via XXXX or XXXX. In that time, I had a payment that was 3 days late and now my credit score has dropped 130-150 points on all three of the major credit reporting agencies. 

I want Wells Fargo to remove this 30 day late because they did not make any attempt to reach out to me like any other card company would do. I mistakenly made a day late payment and XXXX was on the phone the next day asking me if everything was ok. 

There is nothing that says the only way to communicate to me is via the USPS and had they just taken a small step to contact by any other means, I wouldn't have the horrible score I have now. Please help me get my life together again. It is now ruined. 

XXXX XXXX has slashed my credit limit by 75 %, Wells Fargo has also done this as well.