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

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$3700.00} - Chargeoff - XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} - Chargeoff- XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$14000.00} 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Holding funds with no explanation. Will not release funds I worked hard for. Deactivated account for no reason.
Product: Credit card or prepaid card

My XXXX Comenity XXXX has been declined each time I've tried to use it for the past several weeks. 
I have tried to contact the credit card company both by phone and by email. 
They do not answer the phone ; I wait on hold for over 30 minutes, and no one ever picks up.

They do not respond to the messages I have sent.

I can see on their social media pages that this is a problem being experienced by multiple consumers. 
It is unacceptable that there is no way to reach a person who can assist me.
Product: Mortgage

While working with Ocwen Loan Servicing to modify our mortgage loan and prevent foreclosure. The inconsistent information that was given to me and the methods used to determine " timely '' filing of information enabled the attorney, acting on behalf of the Bank, to direct the auctioneer to proceed with an auction on my property on XXXX, XXXX, 2016. My repeated attempts to comply with every direction requested by Ocwen Loan Servicing to file a " complete '' application was deemed to have been received on XXXX XXXX, 2016. Please review the attached documentation and help me to reverse this action and retain ownership of my home. A complete file of all documentation is available at your request.
Product: Credit card or prepaid card

Beginning with its statements in XX/XX/2020, American Express began including a " minimum payment '' amount to cardholders of pay-in-full cards. Cardholders who paid the minimum payment and not the full amount were tricked into changing their card terms from pay-in-full to pay-as-you-go, earning extra interest and late fees for the company. 

The company says a notice was sent to customers, but the notice is inadequate. It should state on both the website payment portal and in the statement that paying the minimum due will materially change the terms of your AmEx account, and the impact could mean thousands of dollars in additional interest and late fees.
Product: Debt collection

Wells Fargo has been harassing me for the last 10 years about one of their customers who used to have my phone #. I 've researched their customer and given the WF agents a plethora of info every time they have called me and asked that my # be removed from their database. 
Each time ( 1 call a week for the last 10 years ) the agent says they remove my # but they dont because they keep calling. This is unacceptable behavior
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX website has been broken for years, needs to be fixed asap. 
Website can not process order. 
This occurred on XX/XX/20 at XXXX-CT.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : 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 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: Debt collection

The company is on my credit report. I paid the debt yet it is still on my report
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX {$1800.00} Account : XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on account do not belong to me
Product: Mortgage

My present mortgage has been identified as one of the loans created by XXXX XXXX XXXX in 2005 who was a major contributor to the mortgage industries financial downfall. XXXX XXXX sold or transfer my mortgage to Aurora Loan Services ( both of which declared bankruptcy ) and sold the bad paper, that is now held by Nationstar Mortgage LLC ( XXXX, TX ). My interest rate has reverted back to 6.+4 upon the end of what Nationstar labeled as a modification in my paperwork for 2 years at a 2 %. I am now told that my loan was not a modification but a forbearance. My situation has not changed since the housing industry problems. I am still on a fixed income and can not afford the high interest rate and am in danger of losing my home.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Discover Bank regarding the handling and reporting of my debt. In XX/XX/year> I sent XXXX. 

The company filed my debt as a charge-off, yet they failed to provide me with the required IRS XXXX XXXX, which is necessary for tax purposes when a debt is canceled or forgiven. Furthermore, the debt was reported as a charge-off even after the company received payment for it. This has negatively impacted my credit report and caused significant confusion regarding the status of my account. 

I believe this is a violation of federal regulations regarding debt reporting and transparency. I request that the CFPB investigate this matter to ensure compliance with applicable laws and to prevent further harm to consumers. 

Please let me know if additional information or documentation is needed to assist in resolving this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

My lease ended XX/XX/XXXX. I moved out of the apartment XX/XX/XXXX and started my new lease at my new apartment. I left items behind. The power was disconnected XX/XX/XXXX. The leasing manager stated because that because I ended power at that time I caused the refrigerator to break- I ended the power on the correct date. Then she stated that I owed for waters bills from XXXX and XXXX. We arent allowed to pay partial on rent. I paid my final rent payment and I turned in a XXXX notice. Nothing was mentioned about any balance. The leasing manager then repeatedly harassed me at home, work, and even calling my new apartments. I called corporate to report- but got no response. However that was the only thing that made her stop calling.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # xxxx, XXXX  XXXX XXXX Account # XXXX, 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.
Product: Checking or savings account

I have tried calling multiple times. I get put on hold, then told that account is closed which is something I know because citi closed my account without an prior warning. The rep then hangs up the phone on me. This has happened to me with 5-6 different reps
Product: Mortgage

Spoke w/ a rep from XXXX XXXX  on XX/XX/year> at XXXX in regards to the modification documents I received and that I need to get notarized. I as the rep can they explain to me how did they come up with rate of 7 % for the modification and she advised that is a different department and she would reach out to the underwritings to explain and the rep came back an advised me that the underwriter stated that he would not get on the line to explain since there was a packet out. The rep stated as long as she been there she had never gotten that time of responses. I ask can I escalated and she stated yes. She then transferred me to another rep who stated that the reason for the 7 % was due to the current market rate. After XXXX this information this was untrue at the time of my approval the interest rate was 6.88 % and not 7 %. I have been told that this is the underwriters decision on this rate.
Product: Checking or savings account

Claim from Bank of America XXXX Arizona claim denied on XX/XX/2020 I invited some friends and some of their friends which I did not know over to my house for dinnerand after everyone left and went to bed as normal the next day I get up to go shopping and my debit card is missing I'm looking everywhere for my debit card which is also linked to my savings account which had over {$11000.00} in there and come came to the conclusion that I could not find my debit card anywhere in the house or in my car at that point while sitting in my car I logged onto my Bank of America site and I was down {$1000.00} approximately short a {$54.00} it was a {$950.00} to be exact there were two withdrawals taken from an ATM with a PIN number so whoever stole the card had to have gone through a my files and possibly found the pin number somewhere within my files and stole the card I never did get the card back when I realized that the XXXX dollars was missing I went straight to Bank of America they had just closed it was on a Saturday I withdrew some funds so I would have some money for the weekend went back home called the fraud department they closed the card reported the fraudulent activity and then the case begin well 2 months later I get a letter today from Bank of America stating that they've completed their research and that are their records indicate that the transaction activity in question was off was authorized and posted correctly to your account. this is absolutely incorrect I have no idea what they did other than call the merchant which they probably didn't get any information from them and then they just went ahead and closed it but it is definitely not correct the card was stolen it was fraud it was I was ripped off and they did with draw this money without my authorization and I don't know what else to do that's why I'm submitting this information to you in hopes of us up some help.
Product: Credit reporting or other personal consumer reports

My husband passed away on.. 

On XX/XX/23 I went into XXXX XXXX XXXX XXXX XXXX and got pre approved on a mortgage Loan. When the loan officer printed my report- XXXX XXXX Revolving card showed up on the derogatory report. Balance is XXXX, & paid off XX/XX/23. When I asked the bank to remove incorrect report, I got passed around to many different numbers and people with no help. I went into the bank and spoke with Bank Manager in XXXX- she filed a report for a supervisor to call me. I was told the card was not on my name -the bank has copies of death certificate and everything was dealt with. If my name is not on the account- why is it on my report? Why is it on ANY report of its paid off and not delinquent? 

I called the number on the back of the card. Its not the right number. I called the number on the back of credit report for XXXX XXXX Dispute Center. That number is incorrect. I got put on hold on all instances and probably over an hour on the phone. 

Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX. I revecied my credit report from XXXX XXXX XXXX I called them as I got my report today .. Mt report number # XXXX. Dated XX/XX/22. With alot errors on system. That failed to updates properly. The woman I spoke today at XXXX today she advised me it's is very common that these mistake happen on yout account often and it hard to fix them, the leadership Manger XXXX XXXX XXXX failed to do his job ethical correct, I was advised that is XXXX  job and duties to send customer wrong information on there credit report debliarity as a stall statistics. I ask them why does a address that doesn't belong is on my credit and there response was we have internal error on the sever. And its hard to fix. It's been over 120 days since I been asking for help and XXXX 


Wrong address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

Wrong names. As well XXXX XXXX name I'd # XXXX .. these mistakes are happening to common .. putting other people data on my credit profile on purpose.. 

I also ask for help fixing my credit freeze and there system been down for a long time they told they can't fix it at all since there system been broken for 120 days and it my fault .. since XXXX website and system are failing..
Product: Debt collection

Had a loan for training at previous employer. Loan paid in full XXXX XXXX. Received notice from Transworld Systems Inc. of debt owed of XXXX on XXXX XXXX XXXX. Address listed for transworld systems inc include a XXXX XXXX and XXXX address on same document. verified funds paid my bank.
Product: Vehicle loan or lease

I was denied an auto loan based entirely on my source of income being from XXXX XXXX XXXX XXXX. This is public assistance. I have been unfairly discriminated against by XXXX at CNAC Bank. Contact number is XXXX. XXXX said he is denying everyone on unemployment right now. I have over {$1800.00} a month in income. I can afford an auto loan. This is illegal discrimination. I tried reading the law to him and told him I would make a complaint, and he said " I won't hear from anyone. '' He is used to being able to break the rules and get away with it because he doesn't think you will do anything about it. I need a vehicle so I CAN get another job. I need help. 

They also will not provide me with a denial letter. I thought I had a right to a letter detailing the reasons why I was denied credit. 

This is the bank for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter. Please remove them promptly and ensure that they do not reappear.
Product: Mortgage

Bank of America Forged financial documents when we applied to refinance our loan in 2008. We where unaware they did this until recently. Bank of America then tried to foreclose on our home based off of forged financial documents and forged signatures. We did not have the assets they claimed we had at the time of the refinancing and we were never given any of those documents. Bank of America then placed over XXXX in fees to our original mortgage of XXXX making our loan over XXXX off of a forged refinancing loan. We ask that Bank of America place our loan back to the original amount and take off all of the fees they placed after forging and lying on our refinancing loan. Ho is Bank of America allowed to get away with breaking the law and adjusting loans based of forgery and deceit? 

We want our loan to go back to the XXXX and all the fees placed to be taken off.
Product: Checking or savings account

I banked with Bank of America years no problems at all years I lost my card didnt know i lost it untill like one two days later when I try to login and cant login call they say there closing my account cause I tried to deposit checks the guy said I told him I lost my card that wasnt me its fraud I said where were these checked supposedly deposited he said he couldnt tell me Ill get a letter in the mail go a letter they closed the account received one letter saying account closed I thought they just closed it no they put me in the XXXX XXXX I would never write bad checks in my account never I have a business and family to support
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ). you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately 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
Product: Vehicle loan or lease

I'm checking my credit report and see that it is a loan from ally financial on my report. I see that it is paid and closed but i did not authorize any one to use my name or credit to purchase a vehicle. I am trying to get this solved but i am getting no where. I am being told that it is accurate and verified due to having my signature and license but that can not be true. I have tried to work with your company since founding out about this loan to no success. I am a victim of identity theft and do have a police report and ftc report regarding this situation.
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account 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 account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX  XXXX