23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Simply, first they did n't consiladate ALL XXXX of my loans. XXXX were left out. Those XXXX loans were now heading to collections. They consolidated those XXXX loans. So now technically I have 2 monthly payments coming out of my account. XXXX payment of the XXXX did not go through so they just sent them to collections and I was told they ca n't get them back out of collections. This mess also started that I keep get denied a loan even with a cosigner to return to school to finish my degree, in order to get a higher paid job in order to make these payments!
Product: Mortgage

I called Sunwest Mortgage to see if I could pay my XXXX payment on XXXX XXXX. I 've never made a late payment in 2 years since I purchased the house. I wanted to make a payment arrangement to make sure my payment was made for XXXX ( since I 'm going through a divorce I have to pay rent, mortgage and child support now ). They were not at all compassionate about my situation. They said if they did n't get the principal by today, I would have a negative mark on my credit report, they would send an intent to foreclose, and I would have to make 2 XXXX payments. 
I think this is totally unfair. Again I have not missed a payment in 2 years. 
I 'm going through a financial hardship with my divorce. The " intent to foreclose '' is not true, the house is on the market and I do n't intend to miss any payments until it is sold.
Product: Credit card

I was promised XXXX pts from Citibank for opening the HHonors credit card but I have n't received it yet
Product: Mortgage

I have had my mortgage with Wells Fargo Home Mortgage for years. I closed on a short sale today. I had tried for the past several years to save my home to no avail. My home preservation specialist was XXXX XXXX. And I use the term " home preservation specialist '' very loosely as he was never of any help. Very rarely responded to any of my inquiries. I asked many time to deal with someone else at WFHM and once again. my requests went unanswered. I have called XXXX XXXX every day since last Thursday, XXXX XXXX as I am requesting relocation funds as my home is closing in a short sale today. He HAS NOT responded. I am going to temporarily move in with my daughter but I should be eligible for relocation funds from WFHM. I think it 's disgraceful, immoral and illegal not to provide relocation funds so that I can move. I would like a response and an explanation as to how I will receive relocation funds. Thank you. My loan number is XXXX My name is XXXX XXXX XXXX XXXX Court Cinti Ohio XXXX
Product: Vehicle loan or lease

loan keep being extended. i tried ask why keep getting run around.i feel i paid extra 12 months when my loan contract said i would be done XX/XX/2016 i keep being charged
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX Account Number : XXXX bal. {$1800.00} Account Name : XXXX Account Number : XXXX bal. {$1200.00} Account Name : XXXX Account Number : XXXX bal. {$1900.00}
Product: Credit reporting or other personal consumer reports

Ive noted unauthorized hard inquiries on my credit report under 15 USC 1681b ( c ) ( 2 ), negatively impacting my credit. Please remove them. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

XXXX and Transunion are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report.

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine, fraudulent activity on my credit report. 

XXXX XXXX on credit report not opened by me. 

XXXX XXXX Account fraudulently opened, paid off XXXXXXXX Dept of EdXXXX payments 180 days past due as of XX/XX/XXXX to XX/XX/XXXX not on this account. The account was opened XX/XX/XXXX. 

STATE OF MI/OFFICE CHILD SUPPORT account never late and paid in full XXXX paid in full XXXX XXXX XXXX fraudulently opened
Product: Credit card

On or about XX/XX/XXXX, I received a letter from Chase Cardmember services indicating that they made an omission in disclosure of fees and interest change related to an event in XX/XX/XXXX. They indicated to rectify the situation they would be issuing a credit to my account. This credit card account has been closed and paid with a {$0.00} balance since XX/XX/XXXX. I was able to call Chase Cardmember services automated account system to determine that they were issuing a credit in the amount of {$49.00}. I presumed since it would be mailed to me in the form of a check since this was real money that I paid to Chase Cardmember services in XX/XX/XXXX. Today ( XX/XX/XXXX ) I received a Chase credit card statement showing the reversal of charges and a credit on my account. I have not authorized Chase to open a consumer credit account in my name and it was done without my approval or consent. Additionally I have not received any privacy disclosure or APR disclosure with the " re-opening '' of the account. I believe Chase Cardmember Services has violated the Truth in Lending Act by omitting disclosure of the terms of the account that was re-opened after being closed for 5+ years.
Product: Credit reporting or other personal consumer reports

XXXX Subject : Dispute and Demand for Reinvestigation of Items on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of certain items reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you reinvestigate the following items and provide prompt verification of their accuracy or remove them from my credit report : 1. Account Name - XXXX /Number XXXX 2. Account Name XXXX XXXX /Number XXXX 3. Account Name XXXX /Number XXXX Under 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 15 days of receipt of this notice. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy of the disputed information, you must delete the information promptly. 
Legal Precedents and Statute of Limitations It is critical to note that inaccurate or unverifiable information may not remain on my credit file. Furthermore, you must consider the applicable statutes of limitations governing the reporting of negative information : 1. Soga v. Experian Info. Solutions, Inc., 2018 U.S. Dist. XXXX  XXXX : This case reaffirms the requirement for credit reporting agencies to ensure the accuracy of information and to remove any unverifiable data promptly. 
2. Drew v. Equifax Info. Servs., LLC , 690 F.3d 1100 ( 9th Cir. 2012 ) : This decision highlights the obligation to conduct a thorough reinvestigation, underscoring that failure to comply with 15 U.S.C. 1681i constitutes willful noncompliance, with statutory damages applicable. 
The urgency of this matter can not be overstated. The continued presence of inaccurate or unverifiable information on my credit report directly harms my financial standing and ability to secure credit. Delayed or incomplete action on your part would not only violate federal law but may also subject your organization to legal action and liability for damages under 15 U.S.C. 1681n and 1681o. 
15 U.S.C. 1681i ( 7 ) Additionally, I remind you of its obligation under 15 U.S.C. 1681i ( a ) ( 7 ) to provide a clear and complete description of the reinvestigation process. Please include a detailed summary of the procedures used to verify the disputed items, as required by law. 
Documentation To assist in your investigation, I have enclosed the following : A copy of my government-issued ID and proof of address Request for Resolution I expect a response within 15 days of receipt of this letter. Failure to comply with your obligations under the FCRA will leave me no choice but to seek legal remedies to protect my rights. Please notify me in writing of the results of your investigation and any actions taken or delete these items promptly. 
Thank you for your immediate attention to this matter. I look forward to your swift response.
Product: Checking or savings account

Someone hacked into my Capital One bank account over a period of 2 weeks between XX/XX/2023 and XX/XX/2023 ( multiple times ) and transferred money from savings to checking and then went ahead and took out {$1600.00} in multiple transactions starting XX/XX/XXXX from my checking account to XXXX and XXXX 
When I found out about this, I started a claim with Capital One to investigate and catch this person. They started an investigation but on XX/XX/XXXX, they closed the claim stating that the charges were valid. I doubt they investigated it properly because I have no information on these charges at all. So someone either bought stuff or transferred these funds without my knowledge to their account. Either way if someone looked into it and saw the IP address from where these logins were done, they would realize my account was hacked and since I don't recognize the person who got the money through XXXX, they should report the scamster. If something was purchased, then they should follow the trail and see if something was purchased then what address did it go to? Once they look into this, they will realize that this was a complete fraud.
Product: Checking or savings account

I am a lawyer representing my daughter on this claim ( and I am now the subrogee ). On XX/XX/2018, my daughter noticed almost {$800.00} in fraudulent expenses charged against her debit card issued by TD Bank. She notified the bank immediately. On XX/XX/2018, TD Bank denied her claim. In the letter of denial, TD Bank wrote : " You have the right to request documentation used to make our decision. '' The letter had a phone number at TD Bank at which we could call to ask questions. On XX/XX/XXXX ( before receiving the XX/XX/XXXX letter ), we reached that number and requested documentation of the reasons for the denial. The TD Bank representative said the information would be sent to us, but this did not happen. We wrote to TD Bank on XX/XX/XXXX specifically requesting the information. TD Bank did not reply to this letter. On XX/XX/XXXX, we both called and wrote to TD Bank reiterating this demand for the documentation of the denial. Again, TD Bank did not reply. Four months later, TD Bank is still refusing to explain ( or is unable to explain ) the reason for its action. 
In brief, my daughter suffered a theft from her checking account due to fraudulent use of her debit card. This caused her hardship. She complied with all procedures for submitting a claim. TD Bank is now ignoring our requests for the documentation they promised to provide. This refusal is unacceptable and, we believe, contrary to law. 
We ask for your help in requiring TD Bank to provide the promised documentation of the reasons for its denial of my daughter 's claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  account # XXXX, Open XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Debt collection

I sent information about this bill to Cfpb that I paid the XXXX they said I owed for an accident that occurred on XX/XX/XXXX. Cfpb said the company National Service bureau will answer my complaint within 60 days that was on XX/XX/XXXX. Today XX/XX/XXXX I received a final notice from National Credit Bureau asking for a payment of XXXX to prevent further collection activity. I refuse to pay for something that I don't know what it's for. I want this company to stop bothering me for a bill that I don't owe. I believe this is a scam. They said I owed XXXX and I paid that now they come up with an additional XXXX for what
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX AND XX/XX/XXXX ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
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 confidentiality under 15 USC 1681. 

XXXX FCU 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 a account without my written instructions. 

15 U.S.C 1666B : States 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: Payday loan, title loan, or personal loan

I am writing to dispute a charge of {$130.00} to my account on XX/XX/2023, XX/XX/2023, and XX/XX/2023. The charge is in error because I have revoked authorization with the company numerous times. I have attached the emails where I have done so as well. 

I originally took out a {$400.00} loan with them and then ended up in some financial hardship, which I also informed them of. I explained to them that I am working with XXXX XXXX ( XXXX ) to settle debts due to the financial crisis we are currently experiencing as youve seen in our account. 

They have not responded to any of my emails, phone calls, or website Contact Us submissions. They have pre-generated responses that get sent with ticket numbers but are never responded to. Whenever I have called them either I get a XXXX automated message stated the call can not be completed as dialed or I get mariachi music with a XXXX  speaking individual referencing a completely different company. There is no way for me to contact this company at this point. I have tried every route they have. 


Enclosed are copies of the revoke requests supporting my position and experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I was notified creditor-Concord Servicing report 30 day late in XX/XX/XXXX to credit bureaus. I contacted Concord to get this resolved for several days from XXXXtoday XX/XX/XXXX and submitted a dispute to XXXX on XXXX and to XXXX on XX/XX/XXXX. 

It is very difficult to speak with someone at Concord on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed Concord Resolutions Dept to get a status on the correction. 
I then contacted XXXX and was advised a Concord Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with XXXX XXXX XXXX XXXX and Concord Customer Service XXXX XXXX XXXX indicated that he would contact a supv and get back with me. XXXX has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

XXXX never showed the Concord account as reporting, however I rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. XXXX has not received any correction request from Concord XXXX Concord Resolutions Dept responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with XXXX and Concord Customer Service Rep and that I need to speak with a supervisor. I called Concord and there is no other ph # than the one that transfers you to a Customer Service Rep in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with CSR in XXXX and unable to speak with anyone with authority to resolve the issue. 

XXXX is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b
Product: Credit reporting or other personal consumer reports

concern, After reviewing my credit reports I noticed that you are Reporting un accuracy information on my credit reports ( XXXX XXXX XXXX XXXX + XXXX ) This account is reporting different information on all 3 credit bureaus. On This account the ( condition ) Shows different information The ( original balance ) Show Different balance on all 3 bureaus.

( Open dates & Reported dates ) are all incorrect. 
Plus payment status is Showing different on all 3 bureaus Also
Product: Mortgage

I am trying to have my PMI removed from my loan since the value of my house has almost doubled from the price I paid. I have never been late early if anything. 
They are sending a letter trying explain that I can not have it removed
Product: Bank account or service

I deposited a check for {$8000.00} into my Wells Fargo account on XXXX/XXXX/16. The check was from my XXXX account. XXXX is showing that the check cleared on XXXX/XXXX/16. Wells Fargo is claiming that there were insufficient funds in XXXX to clear the check and they are closing my account. I confirmed with a XXXX banker that the funds were available and they were sent to Wells Fargo. I faxed a letter on XX/XX/XXXX from XXXX to Wells Fargo that explained that the check cleared and funds were available. It had the bankers name and contact information on it. I was told to expect a decision on the account closure today, XX/XX/XXXX, however when I called they had not yet made a decision. 
They have not as of yet released the hold on the {$8000.00} check even though it cleared XXXX. I have not yet been provided a definitive answer as to when those funds will be available. Even though the status on the website shows it will clear tomorrow, XX/XX/XXXX, the agents on the phone seemed unsure if it would be available then. 
They have also informed me that my credit card is on hold because there is a hard hold on my checking account, and if Wells Fargo closes the checking account they will close the credit card as well.
Product: Checking or savings account

This is in regards to being mislead by my banking institution Capital one and an account that was advertised to be a high yield savings account. Yet my account does not reflect any of that interest even after having majority of my funds being placed into what was advertised to be a 360 checking account. This is highly outrageous and unfair as we are constantly being cheated by these banking institutions. Today I am looking to have this rectified