23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was denied for a loan modification ( HAMP XXXX ) on XXXX XXXX, 2015. Wells Fargo Home Mortgage made a mistake on box XXXX of my NPV - Property Taxes. They state they denied me for a HAMP XXXX XXXX because " my modified payment would be less than 25 % of my monthly income ... '' ( See attached denial letter ). However, they had my property taxes incorrect in the review. If they correct my property taxes, then my modified payment would be actually more than 25 % of my income and I should qualify. ( See attached actual appeal letter for more detailed explanation ). This is a cut and dry appeal with no questions there was an error. However, Wells Fargo Home Mortgage ignores ALL appeals and simply replies with a form letter stating they did not make an error. If this is in fact the case with this loan, I hope the CFPB uses this to prove this is what Wells Fargo does to everyone and fines them millions of dollars for lying! I hired an attorney to help me with submitting my paperwork. My attorney filed a dispute to my denial on XXXX XXXX, 2015. The dispute provided a copy of the actual current property tax bill. Wells Fargo Home Mortgage general practice is to ignore all requests. They did this with my appeal. Even though my appeal unquestionably proves they made an error on the XXXX review, they refused to respond to my appeal. Later they verbally said they did a review and it was still denied. My attorney has been asking for a new " Corrected '' NPV chart and denial letter. To date they have refused to provide me this CORRECTED NPV and NEW denial they state they have. In the mean time they have referred my loan for foreclosure. This is what Wells Fargo Home Mortgage does to people. Play games, dual track foreclosure and hold back paperwork in an effort to evade properly reviewing home owner 's for assistance. They do this while the market values of homes increase so they gain more and offer less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! 
It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... 
nothing about this account is ACCURATE!
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO Score dropped 40 Points for NO REASON and no explanation was given. 
I tried reaching out to Experian and they told me to Contact FICO  directly. How do you do that? I did not open any new accounts. I was on time on all of my payments. I did not add to my existing debt. No new inquiries were made. There is no reason for a drop, let alone such an enormous one. I have worked extremely hard to get my credit up to the 780s and for it to drop so fast so suddenly without cause is very alarming and upsetting. I don't know who to contact to try and obtain more information, or who I can speak with to try and find a resolution. Any help you could give would be most appreciated. Thank you
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX : {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Experian, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items i have identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution. 

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. American Express sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XX/XX/2021 regarding not having received bill a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with American Express ( in writing ) on my behalf on XX/XX/2021 a ) American express acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX 7. American Express did not cease efforts to collect on disputed amount a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 8. Billing Error notice should have also triggered a direct dispute under XXXX XXXX XXXX 9. American Express did not notify me of their findings a ) American Express circumvented an investigation by having XXXX verify the current address XXXX : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 

2. American Express did not investigate reasons for non-receipt of bills a ) acknowledged by American express in XXXX XXXX XXXX in response to CFPB XXXX XXXX 3. American Express continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing the validity of an account with experian since XX/XX/XXXX and experian keeps validating this account. I filed a complaint with the CFPB on XX/XX/XXXX experian took 60 days to respond to my account telling CFPB the account is validated and accurate on XX/XX/XXXX and sent me a predated credit report by mail with the date XX/XX/XXXX. Which contradicts their email sent on XX/XX/XXXX saying they're still working on it I even called experian on XX/XX/XXXX and the rep told me to disregard the report sent with the date XX/XX/XXXX because she was unsure why they sent that being that the account is still under investigation. It is XX/XX/XXXX and that account still says under investigation on the experian website in the dispute center. I sent in a complete break down of this said account and why its inaccurate so there is possibly no way to validate an account that I have a receipt for every single thing. These people do not do their job and I truly believe they cause us harm to sale our information for profit. They are not here for the consumer instead to hurt the consumer for profit. Because as long as my credit score is lower my interest rates are higher and its a profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$230.00} XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reporting information that is fraudulent and without any consent n proof of knowledge identity theft
Product: Checking or savings account

Updated Response for Case # XXXX : On XX/XX/XXXX, I wrote my XX/XX/XXXX rent check for {$1200.00} ( see attached XXXX. ) I wrote the check from XXXX Bank. The check was deposited at the Wells Fargo ATM branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. On XX/XX/XXXX, Wells Fargo took out {$2200.00} without my knowledge ( see attached XXXX. ) I immediately reported this to XXXX XXXX XXXX XXXX and Wells Fargo XXXX XXXX XXXX. Wells Fargo took out XXXX XXXX dollars over and caused my bank to go into overdraft by XXXX XXXX dollars. I opened my Wells Fargo Bank Account in the year XXXX. Wells Fargo shut down my account ending in XXXX in XXXX without my knowledge and for No Reason. This was only a checking account. Wells Fargo did the same thing to my account at Wells Fargo with incorrect amounts of money taken out and placing me in overdraft as they did on XX/XX/XXXX ( see attached XXXX. ) Rather than fix my account they shut down my account in XXXX for No Reason. XXXX XXXX is repeating the same actions with my XXXX checking account taking out incorrect amounts of money. I tried to reopen my account or open up a new account with Wells Fargo on XX/XX/XXXX, and they said they will not do business with me by opening up a basic checking account to deposit my government social security check as I am XXXX  XXXX and this is my only income ( see attached XXXX. ) Wells Fargo is treating me this way because I am XXXX.
Product: Checking or savings account

I opened a new checking account with Citizens bank. XXXX XXXX agon on XX/XX/year>. My direct deposit goes in. Tomorrow. I wasnt able to log in to online banking so I called. The company closed my account with no notice.
Product: Debt collection

Northwest Bank had my auto loan. I received XXXX bills in XXXX, XXXX normal and XXXX with a large lump sum. I called in and the representative told me not to worry about it and took a normal payment from me. This is noted in their accounts. This is also the last notation any employee has made. I was contacted in XXXX asking me why I am making small partial payments for a lump sum bill. When I told them about my conversation in XXXX and the payment I made then I was told that I was incorrect and that it did not happen. The lump sum for a " lapse in insurance coverage '' from a company called XXXX XXXX XXXX. I told them that was impossible, I've had the same insurance coverage from XXXX XXXX working with the same local representative, XXXX, at the same office in my home town since 2007. I contacted my insurance company and they claim I did not set up my insurance after buying the car. This is false. I called them the day I bought the car and again a couple weeks later because they messed up and failed to set up the new account. XXXX XXXX is denying this. I have been called and called Northwest Bank numerous times and they have constantly left me on extended holds, hung up, and told me the correct representatives would call me back but then failed to do so. The lump sum for the short, supposed, lapse of insurance is obscene at more than 10x my normal rate for full coverage of insurance.
Product: Student loan

Mohela implemented a new loan servicing system in XXXX, and it is clearly not functioning properly. On XX/XX/XXXX, their autopay system made an extra payment on my student loan, resulting in a negative balance of - {$190.00}. I was assured multiple times that this balance would be transferred to my other loan within XXXX  days, then later told it would take XXXX  days. However, despite over XXXX  days passing, Mohela has failed to process this simple correction. 

Because of their inaction, I have been unfairly charged interest for XXXX months based on an incorrect loan balance. I have reached out to Mohela multiple times, escalating my request, but they have ignored my most recent formal inquiry, sent over XXXX business days ago and several before that were also ignored. 

This is likely not just an isolated incident. XXXX refusal to address my issue, despite repeated assurances, suggests that their new system is failing on a larger scale, potentially affecting thousands of borrowers. Their lack of accountability and unwillingness to correct their own errors is financially harming borrowers and XXXX constitute widespread mismanagement. 

I am requesting that your office investigate XXXX handling of this matter and take action to ensure they are not improperly charging interest or mishandling payments for other borrowers as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard credit inquiries that showed up on my XXXX account that I dont recognize nor did I authorize. One is from XXXX and the other is from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U. S.C. 1681 SECTION 602 ( A ) States I have right to privacy 15 U.S.C.1681 SECTION 604 ( A ) SECTION 2 : It also states a consumer reporting agency can not furnish a acount without my written instruction In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXXXXXX Account # XXXX has violated my rights XXXX  Account name : XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Thank you in advance
Product: Checking or savings account

I deposited a check into my Capital One Savings account, they came back with a notice that the funds would slowly become available in a reasonable hold time. 

After an in-depth review of the check deposits you made on XX/XX/2025, into your account ending in XXXX, we believe theres an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. To protect you from this potential risk, weve decided to delay the availability of all or part of {$72000.00} until XX/XX/2025. 

After that they locked all my accounts and said they would not cash the check, after hours on the phone to try and understand what the challenge was, I was told to have the holder of this trust account recall the check. They were not able to do so, then Captial One said they will make the funds available in XXXX. This is excessive and unnecessary. I will say that the check was written poorly and my brother who is the trustee co-signed the check, I got approval on the ability to cash the check before opening the new checking account with Capital one from an advisor at a Captial One Location. 

XXXX, After reviewing your check deposit activity on XXXX for your account ending in XXXX, the availability of {$72000.00} has been delayed until XXXX. 

Based on confidential information, one or more of the check deposits may not be paid. 

You dont need to take any action. If the funds dont return, theyll automatically become available on XXXX. 

Here are a few other important things to know : Any interest, if applicable, will accrue normally starting the first business day after a delayed deposit posts. 
If you transferred any money or directed us to divide money between the account listed above and other Capital One accounts, we may place a hold on the money in those accounts associated with this transaction activity.

If Capital One charged you interest or fees because of this delay, youll be refunded the charges that resulted from the additional delay were imposing. 

To initiate a refund, or if you have any questions, give us a call at XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Well be happy to help you. 

My Fear is that they won't make these funds available and are basically holding my funds but also not accusing me of fraudulent activity.
Product: Money transfer, virtual currency, or money service

I'm trying to pay a vendor that provides XXXX XXXX services and they only accept Bitcoin. I signed up with Cash App as recommended by the vendor and connected my Bank Account to the app via my debit card. I then applied to send the vendor a Bitcoin payment and was told I needed to provide further verification of my identity. They then asked that I submit a front and back set of photos of my Drivers License for the purpose of verifying my identity. I did this process twice ( once on XX/XX/2022 and the second time on XX/XX/2022 ) and both times got an email about 20 minutes later saying I was not approved for Bitcoin use on the site. I called the Customer Service number and got a live person on the line to see what the problem was. The amount of the transaction with the vendor is {$89.00} USD and I had transferred {$100.00} from by bank account into my Cash App account to cover this transaction. After 20 minutes of back and forth emailing between the customer service rep ( " XXXX '' ) she said that the Identity verification department was denying my ability to use the Bitcoin part of their app. I asked to speak with the Identity verification department and the CSR said they didn't communicate via phone, only via email to all other departments. I then asked to speak to a manager or someone else in the company that could sort this out and was told that the decision was final and this service was not available to me. When I asked for further clarification on the reason I wasn't being allowed to use this service the CSR said she could not provide any other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses.

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer Report.
Product: Debt collection

In accordance with the Fair Credit Reporting Act 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, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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

I have a late payment from XXXX I requested a copy of my disbursement from earlier of this year. I am in the middle of a refinance for my property and this Late payment is holding me back. I am requesting the removal of the 30 late payments.