23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased a home and obtained a mortgage in XX/XX/2020 through the XXXX  XXXX XXXX XXXX XXXX in XXXX, Texas. The loan was sold immediately to AmeriHome Mortgage Company. We had been informed by the Credit Union that we could apply for a recast on our loan after a principal loan curtailment. We started the process by contacting AmeriHome Customer Service in XXXX or XXXX of 2020. We were given instructions to send an email to XXXX. We emailed them on XX/XX/2020, XX/XX/2020 and XX/XX/2020. We never heard back after either of the emails we sent. Customer Service told us that we would NOT get an email from them, we needed to wait on something to arrive via mail. We were also told that we could not call them directly and that even the Customer Service department could not reach them directly. So, there is absolutely no way for us ( or anyone at AmeriHome for that matter ) to communicate with the Recast unit! Our only resort is to sit, wait, and wait, and wait, and HOPE that someone received our stuff and are working on resolving it. 
So far, we have received one letter from the Modifications unit. That was in XXXX. The letter came in the mail. It contained instructions on how to pay down the principal in order to be considered for the recast. We submitted a wire with our payment. It has been received. We saw the principal amount go down on our statement, so we do know they received the payment. Now we have been waiting since XXXX to receive the actual agreement in order to finalize the recast application and modify down our monthly payments. We have been told that something was emailed at the end of XXXX, we have looked for the email but have not found anything. 
We have been on the phone with Customer Service multiple times, ad nauseum! We have waisted hours and hours trying to get some help only to be told that there is nothing customer service or we could do! This has been extremely infuriating. Honestly, it has been a disaster! This is the 4th home we have purchased in the last 20 years and we have never, ever had such a difficult time with a mortgage company as AmeriHome! Not only that we can not read out to a department directly, but if we ask to speak with a supervisor in the Customer Service department, we are told they can not even transfer us to a supervisor ... We are told that they would need to place a request and that we would be called back in several hours or days! The last two times I asked for speak with a supervisor, no one called me back. No one!!! 
This has been an awful experience! I am at a point where I feel cheated by the initial lender even ... How dare they get a sale from us only to turn around and hand us over to such a bad lender?! First time to file a complaint with CFPB and I hope I never have to do this ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a chargeoff as open. How can this be a duplicate dispute if Experian never contacted anyone for XXXX XXXX XXXX XXXX XXXX XXXXThe Last payment or DLA was XX/XX/2016 so how can a charge off continue to report a balance and be OPEN. This is a clear violation. Also IRS states a charge off is considered gross or ordinary income. It is canceled debt. According to the fairness and accuracy of reporting, Income should not be reported on a credit report. I never received a 1099, never received the signed purchase agreement with me and REAL TIME RESOLUTION and I never received the person or contacts information Experian receiveded to verify this account. Experian has not contacted anyone!!!!!!!!
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. I have file multiple disputes, spanning 4 years with no resolution. 
My personal information was compromised during a contested divorce proceeding from XXXX to XXXX, during which time my then-spouse had access to sensitive documents containing my personal information. 
Following the finalization of my divorce on XX/XX/XXXX I discovered several unauthorized accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} Pursuant to [ FCRA 15 U.S.C . 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within XXXX business days upon receipt of this letter. I also request a full investigation into this matter. 
I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.
Product: Credit card or prepaid card

I informed Capital One credit card that I am going through a financial hardship. Capital One won't work with me. Capital One calls me a minimum of 25 times a day from 25 different phone numbers. They interrupt my normal days work as they call so much. I work from home. I use my phone to work from home. They call do often I usually turn my phone completely off. I have to use a prepaid phone just to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$2700.00}
Product: Debt collection

I recieved bills from a collection agency on XX/XX/2018. I called them and tried to figure out where these bills were coming from they refused to tell me over the phone. A week later i found out that they are not licensed in the state of tennessee to collect the debt. And i habe also requested validation of the debt. I have not heard from them. I just want to see why and how they can collect a debt in a state that they are not licensed in when they have to be licensed and bonded in the state of TN according to TN CODE - TFDCPA 62-20-101 and 105 thru 127. The company is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Disputed Account - XXXX  XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment information reported on my credit report for the account XXXX  XXXX XXXX, with the following details : Account Number : XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX XXXX Balance Owed : {$9000.00} ( XXXX and Experian ), {$9100.00} ( XXXX XXXX Account Type : Unsecured Loan Account Status : Open Payment Status : Current Discrepancies and Errors : Late Payments Reported in Error : XXXX XXXX Late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
Experian : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These late payments are inaccurate as all payments for the account were made on time, as confirmed by my records. 
Inconsistent Reporting : Experian and XXXX report the last verified date as missing, while XXXX accurately lists it as XX/XX/XXXX. 
The reported balances for the account differ between XXXX/Experian ( {$9000.00} ) and XXXX ( {$9100.00} ). 
Legal References : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) : Credit reporting agencies must conduct a reinvestigation of disputed information to determine its accuracy. 
15 USC 1681e ( b ) : CRAs must ensure maximum accuracy in the preparation of consumer reports.

15 USC 1666 ( b ) : Mandates timely and accurate billing practices.

The discrepancies in my report are a violation of the above statutes, as the late payments are unsupported by evidence and the reporting is inconsistent.

Request for Action : Correct the payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to reflect an " OK '' status across all bureaus. 
Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ), including the method and evidence used to verify the reported late payments.

If unable to verify the accuracy of the late payments, update the account status to Paid As Agreed Never Late and provide written confirmation of the correction.

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and provide a written response. If no action is taken or the information remains inaccurate, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) for further review. 
I appreciate your immediate attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

I started receiving invoices from XXXX in XXXX at random, since Ive never created an account with them and shipments were being sent to places Ive never been to. Clearly, someone used my name and address to create an account. At first, XXXX would remove charges and say that the account would be closed, but that never occurred. I received a letter in the mail from The Receivable Management Services, a debt collector, asking for {$330.00} from 5 transactions on the account on XX/XX/25
Product: Debt collection

On XX/XX/2018 Convergent Outsourcing received a collection account from XXXX for a past due balance of {$650.00}. I contacted Convergent Outsourcing several times via phone and regular mail in regards to validating the debt. Finally, I got someone who was able to help. The representative by the name of XXXX, stated if I pay the amount in full it will be deleted/removed from my credit. On XX/XX/2018 the account was paid in full, but still remains on my credit as paid with a XXXX balance. I was promised that this would be deleted, but I keep getting the run around about who suppose to have this removed. Convergent tells me XXXX has to have it updated. XXXX states Convergent has to have it removed. I am tired of getting the run around to have this deleted from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I saw a collections that had been added to my credit reports XXXX, XXXX, and XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

What happened? 
I believe that Wells Fargo ( Visa-Signature Card ) is a collaborator in allowing fraud to be perpetrated on client Credit Card Accounts. They ( Wells Fargo Bank ) continue to allow ongoing fraud it so that they can collect their fees on the transaction and allow fraud to continue, to the loss of their customers. On XX/XX/2023 my wife and I contacted " get a room - Booking.com '' to make a XXXX day reservation at hotel in XXXX, XXXX. The vender informed us that the room would be {$1000.00} and once booked the funds were not refundable. Being " non-refundable '' was not an issue for us as we were going to be there at the appointed time. We agreed to that price, provided the vender our credit card info, and the vender then confirmed the reservation had been made and my credit card was debited for {$1500.00}. What? They added on {$510.00} for " taxes and fees '' without breaking down what amount was taxes and what amount were fees in addition to my not agreeing to that price. The final debit amount was never disclosed in the conversation until she said it was too late to cancel. ( red flag-one ) I asked that she reverse the reservation as she did not have my permission to debit that amount. I did not authorize that amount. She said that she could not reverse the reservation once made. ( red flag-two ) I asked to speak with her supervisor. I was informed that there was no one to speak to. ( red flag-three ) She asked me several times if I wanted to cancel the reservation, by saying " XXXX or XXXX! '' I answered by saying " Yes I want to cancel the reservation that I did not authorize. '' I filed a complaint a couple of days later with Wells Fargo and this has been going back and forth for several months now. I recently received a communication from Wells Fargo Bank stating " After further review of your dispute claim for the XXXX charge on XX/XX/2023, from XXXX, we confirm that it was handled appropriately '' WHAT? This is clearly a " bait and switch '' tactic, unscrupulous, illegal and fraudulent in my opinion. I am disgusted by the actions taken by this institution!
Product: Credit reporting or other personal consumer reports

These late payments dont seem to reflect my usual payment pattern.
Product: Credit card or prepaid card

I filed for Ohio XXXX XXXX on XX/XX/XXXX, and my US Bank Reliacard was mailed on XX/XX/XXXX. I have received XXXX weeks of payment in the form of a check, but there are XXXX weeks of outstanding payments that I am currently due and I am also going to be short on rent due to the extreme delay of the ReliaCard delivery. The website has consistently said the card will be delivered in XXXX business days, but that's been about a week now that it has said that and I have been provided absolutely nothing. I'm very concerned about making rent on the XXXX and my other bills that are due very soon after on the XXXX of XXXX. The delay of this card has caused intense anxiety and I truly don't understand why it's taken such a long time but I want an answer and an exact delivery date but XXXX and US bank haven't been able to provide me with any of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX, Equifax, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX Bank and XXXX XXXX XXXX XXXX ( Both FIVE STAR ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. XXXX XXXX  Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of The XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX Bank and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, Equifax and XXXX.
Product: Credit card or prepaid card

I am writing to file a complaint against Goldman Sachs regarding their handling of a pending transaction on my credit line. Specifically, I have noticed that a transaction has been held against my available credit line without my agreement or consent. 

I have been a loyal customer of Goldman Sachs for several a while, and I have always made my payments on time and in full. However, I was shocked to see that my available credit line had been reduced by the amount of a pending transaction without any explanation or warning. 

After speaking with customer service representatives, I was informed that the pending transaction was being held for security purposes. However, I am not able to see the {$200.00} hold reflected in my transaction history. 

I understand that holding a pending transaction for security purposes is a common practice in the industry. However, I believe that Goldman Sachs should have notified me of this hold and obtained my consent before holding this transaction against my available credit line.
Product: Checking or savings account

Received a special offer to open an account, followed QR code opened account, complied with the terms. 

Bank is stating that wrong account was opened, refused to provide rewards. 

Opened Complaint # XXXX with the bank, emailed all supporting documentation : did not receive response within XXXX business days and up to date.
Product: Credit card or prepaid card

I 've been considering upgrading my current credit card with Chase. I decided to browse the offers available to me ( and linked to my current Chase account ), under the impression that these offers were an " upgrade '' and not in addition to my current account. I applied for an offer, and was told they " needed more time '' to evaluate my credit, and received an email immediately from Chase with the following text : " We have received your request for a Chase credit card. We 'll let you know our decision by U.S. mail. This could take up to 30 days. '' Realizing that this would be an additional card on top of the cards I already have after some quick research, I called Chase directly to ask if I could withdraw the application -- no less than 20 minutes after my initial application -- and asked to cancel the application. They told me that despite the email and the initial prompt from the website indicating, my application had already been denied. ( Though upon more careful review, the email seems to be just a note saying that they will deny my application -- not that they are reviewing it -- but that they will do so by mail. ) I know that the " hard inquiry '' will negatively impact my credit score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle fails to investigate m claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting

A new inquery came up on my report that does not belong to me.
Product: Credit card or prepaid card

" XXXX from Discover '' repeatedly calls to lower my interest rate. 

The most recent call came from XXXX on XX/XX/2022 at XXXX AM XXXX I keep asking to be removed from the call list and block the originating number. 

Calls continue to come from different numbers ; which I then block as well. 

My phone numbers are in the Do Not Call Registry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to get this problem fixed since XX/XX/2021 with TransUnion and XXXX and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX XXXX debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is XXXX XXXX XXXX and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.