23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Request to close account after setting up because of confusing information and not able to get answers to questions. Requested XX/XX/2023. Each time I requested screen pops up saying unable to close because of {$5.00} balance. I needed to close out {$5.00} when I attempted it said transaction pending. Wouldnt allow any withdrawal of {$5.00} also put a freeze I couldnt delete my bank account information. This was still In XXXX. I sent email no response. On XX/XX/XXXX a withdrawal was taken from my back acct for {$170.00}. I again attempted to close it still shows balance of {$5.00}. When I tried again it allows to close but refund will be for $ XXXX because it is prorated. It still shows {$5.00} balance.
Product: Debt collection

Never lived at address..for XXXX ... never went to that doctors office
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. The Bureaus are violating my rights according to the FCRA Law. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score. 
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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

1. On XX/XX/XXXX, I requested cancellation of PMI. Wells Fargo sent an XXXX page letter detailing four options for me. Option # XXXX was waiting until the scheduled cancellation date of XX/XX/XXXX, which was the date I was scheduled to reach 80 % LTV based on making regular payments. 

XXXX. After XX/XX/XXXX, Wells Fargo continued charging me PMI of XXXX per month. 

XXXX. On XX/XX/XXXX, I called Wells Fargo regarding why I was still being charged PMI and asked about an XX/XX/XXXX, letter sent from their Remediation Department which stated, " during a review of the mortgage account, we identified that a mortgage insurance cancellation request may not have been processed in a timely manner. '' XXXX from Wells Fargo PMI Department informed me that since I have not called in to cancel the PMI, Wells Fargo continued charging me PMI, even though Wells Fargo was aware my mortgage was eligible for cancellation since XX/XX/XXXX. XXXX said Wells Fargo sent me emails between XXXX asking me to call them to get PMI cancelled. Those emails did not reach my inbox and instead wound up in my Spam folder. Regardless, the fact Wells Fargo was sending emails clearly indicates they were fully aware I should no longer be making PMI payments, yet they continued overcharging me for ten months until today.

Wells Fargo institutes an internal procedure requiring consumer 's to proactively call to cancel PMI all while knowing that the consumer has qualified for cancellation. This is totally unreasonable, and a scam to squeeze ill-gotten gains out of unsuspecting consumers. I requested a refund of the overpayment of {$670.00} made to Wells Fargo for XXXX PMI. XXXX informed me that, " higher eschelon '' members of the PMI Department would have to make that decision. He assigned a work order to my case under case number XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I started Dispute sent verification sent police report and verified with the retailer that my card had been stolen and unauthorized use occurred and they still denied my Dispute I even placed fraud report on my credit report they charged my address and everything
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, applicant, are very aware of XXXX deceptive and discriminatory practices while operating as a creditor 15 U.S. Code 1602 ( g ). I, XXXX XXXX, the applicant, initiated a Consumer Credit Transaction with XXXX dated on XX/XX/2021 using my Credit Card 15 USC 1602 ( l ) and furthermore, not only did a transaction occur warranting unauthorized use as pursuant to 15 USC 1602 ( p ), However, I, XXXX XXXX, applicant, which is myself, never benefited. It is clearly and conspicuously XXXX have performed deceptive business practices.
Product: Checking or savings account

My PPP was disbursed into my bank account XX/XX/XXXXOn XX/XX/2020 my business bank account & savings account was put on hold by Bank of America . After 13 phone calls, which included the response " sorry we have no information, an investigator will get in contact with you, and nobody did. I was told by Bank of America to send in all documentation to prove accuracy of our business PPP loan. Complete packet was mailed in and received by BOA XXXX XXXX. The account was reopened XX/XX/XXXX and then put on hold again XXXX XXXX. On XX/XX/XXXX the entire funds from checking ( {$46000.00} ) was sent to Legal Order LTS XXXX. I have called 10 times since XX/XX/XXXX and am receiving the same response with no resolution. My business is holding on by a thread because BOA has my funds and PPP funds held with no response, resolution or action. We will be retaining legal counsel immediately as this is highly illegal and the funds disbursed to us by the SBA to help keep our business afloat have been left on hold status on and off since XX/XX/XXXX. 

A fair resolution is for Bank of America to give me my money back by closing the account and issuing a cashiers check for the checking and savings funds that are currently being held. IN A NUTSHELL GIVE ME MY FUNDS BACK!!!! 

See attached copy of XXXX, XXXX & XXXX Statement showing the SBA PPP funds being deposited into the account & then removed and held by BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX  / {$0.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX
Product: Mortgage

JPMorgan Chase has been our current mortgage holder on our home loan for approximately 2.5 years. We are, and always have been, in perfect standing on our existing loan. 

Our current mortgage is a fixed 4.0 % for 30 years. In XX/XX/XXXX we applied to Chase to refinance our existing mortgage to a 15 year fixed with a rate locked at 2.75 %. The amount to be financed was approximately $ XXXX ; during the process our home was appraised by Chase at just under $ XXXX. 

My spouse and I have perfect credit ( both have scores of ~ XXXX credit score ). Both of us have stable jobs and incomes that far exceed the minimum requirements for a {$2100.00} monthly payment after refinance. 

After nearly 2 months of work to scan in documents, provide Federal tax returns, and numerous phone calls requesting additioanl documentation, we were informed our application was approved by Chase underwriting. We were told a closing date was forthcoming. 

Then silence for nearly 2 weeks ( early XXXX ). We were told that " compliance '' had suddenly denied our loan application. Our loan specialist ( XXXX, XXXX ; XXXX & gt ; ) and her boss ( XXXX XXXX ; XXXX & gt ; ) said our financial standing was perfect and they had no idea why our loan application was denied. 

Both XXXX and XXXX then asked us repeated questions such as : - have you ever wired money overseas? 
- do you have relatives in the XXXX XXXX? 
- have you recently travelled to XXXX, XXXX, XXXX, or similar country? 

The answer to all of these was " No ''. Questions only centered on my spouse, XXXX, and not myself. XXXX is a United States citizen and has only lived in XXXX, Texas or the surrounding area. 

I complained and demanded an explanation. The next day, a person claiming to be from Chase spoke to me and offered no information except to offer Chase apologies for the nearly 2 months of work both myself, my spouse, and the loan origination team put into the deal that was cancelled at the last moment. 

We received a form letter a few weeks later that contained 2 check boxes. NEITHER WERE CHECKED. This letter, which I will provide a copy to you, violates what I understand to be the law : the lender must indicate SPECIFICALLY why were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent santander consumer certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature on XX/XX/2018. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. 
delivery comformation XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a credit report dispute with the XXXX Equifax and XXXX. I have inaccurate information reporting on my credit reports and it is hindering my ability to obtain credit. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Product: Credit card

these accounts were opened fraudulently without my knowledge. I have filed an identity theft report with the FTC because I never benefited from any of the transactions from these accounts. These accounts need to be closed to prevent further use of my information and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX states I have a Debt in the amount of {$3100.00} that I have no knowledge of. I have tried to dispute this prior and the response back from XXXX XXXX is that it was verified as accurate. No one has shown me proof or verification of what this is for. If this is a debt XXXX  or Spring Oaks Capital LLC believes I owe then I must be provided with documentation on what it is, my signature and all applicable documents.
Product: Debt collection

The debt collector was calling and harassing friends and family members and telling them to get a message to me. When they said that they didnt know anything about what the collector was talking about they asked if I had committed fraud on the original application. I then started getting calls about how my social security number was being deactivated because they found out that someone was using it to commit fraud.
Product: Mortgage

I never received the letter that was dated XX/XX/XXXX, 2017 with a " handwritten '' signature. I am of the belief that this company is practicing unlawful acts using veterans as their targets. And I do not want any correspondence emailed to me. That is not what I asked for.
Product: Mortgage

Back in XXXX of XXXX my wife and I got XXXX XXXX XXXX XXXX XXXX. We were out of work for a long time. We got a XXXX forbearance. Then after that, in XXXX of XXXX we received a VA XXXX modification. It brought our 5.25 % interest rate up to a 6 %, it extended the life of our loan, it tacked on the amount that was accumulated from the XXXX forbearance to the back end of our loan, and it brought our monthly payment of {$1700.00} to {$1400.00}. We signed the contract and XXXX XXXX XXXX confirmed they received it and there was nothing else for us to do. We got transferred to Lakeview LoanCare in XX/XX/XXXX and now they are saying XXXX XXXX never signed the contract and we are being referred to foreclosure. Weve paid {$1400.00} every month on time since XXXX. Every time ive called XXXX, they say they need time to process the paperwork and that im protected and wont go into foreclosure. We have XXXX XXXX children, we cant afford to be homeless. XXXX has confirmed multiple times that theyve received the VA Loan Modification paperwork and that they escalated the claim but nothing ever comes out of it. Then XXXX said XXXX XXXX never signed the VA Loan Modification. Which isnt my fault. We followed up and did everything to ensure it was all okay. I call every month multiple times and I get the same answer. Then I got something in the mail that stated if we didnt pay {$950.00} more on top of our normal payment within 10 days, our house would go into foreclosure. I am so frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX financed through XXXX sold and no longer ours as of XXXX XXXX. Payoff via XXXX to XXXX! Let us all see how long it takes to go onto my and my daughter 's credit to improve our score and debt to income for all of us????
Product: Checking or savings account

I opened a new account with Sandy Spring Bank. they accepted my direct deposits but when I tried to transfer the money out or use the debit card the account was frozen with no notification or warning. I tried to resolve through messages and chat but they said I had to come into a branch, which would be 2.5 hours away.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Name - XXXX XXXX XXXX Employer- SELF EMPLOYED Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I printed a copy of my annual credit report, from Experian, onXX/XX/2018. I noticed to negative items filed under Public Records. There are two liens, Reference Numbers XXXX & XXXX. I contacted the court that filed these liens, XXXX County Recorder and found the liens to be filed erroneously. My father and I share the same name, but have different suffixes, birthdays, and most importantly different social security numbers. I contacted Experian to start my dispute, and explained to them that I had obtained Certified Copies of each tax lien. These copies clearly show the social security numbers associated with the liens are not a match to my social security number. I have sent them to Experian both digitally and through traditional mail service. Since I first spoke with the dispute representative I have not been able to contact Experian by phone. After working through their automated system and entering my report number and social security number I am now directed to a new set of menu options that does not allow me to speak to a representative. I am given the option to purchase another credit report or choose another option that is unrelated to my issue.
Product: Money transfer, virtual currency, or money service

RIA is XXXX profiling money being sent to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Never heard of this company of requested any amount
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentially inder 15 USC1681 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 According to: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 state a consumer reporting agency can not furnish an account with 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 if information, other thatn records of convictions of crimes which antedates the report by more that seven years.

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

XXXX XXXX card, ( ie : visa, then MasterCard ), from us bank, issues reward checks, but I attempted to cash one of these rewards checks in 2015, then I was told that these were not real checks, but similar to cashback plus discount -combined rewards certificates.but, XXXX checkout employees continue to input the factual rewards certificates as checks, at registers.XXXX XXXX XXXX fraudulently states that these rewards certificates are reward checks earned from the use of XXXX XXXX credit cards .my latest {$5.00} rewards check was dated XX/XX/2018, from XXXX fraudulently creates certificate to look exactly as a real check, but the rewards are not a real {$5.00} check.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX SC XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct 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. 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( 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 7 years, 15U. S.C. 1681 s-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 request a prompt review and removal of these unauthorized inquiries from my credit report. I have attached relevant documentation to assist in resolving this matter. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

My Chase account got locked due to some kind of security protection. I called the number indicated on the App to unlock it. They told me to go to a branch. Unfortunate I'm over seas so there is no Chase here, and I will not get to the US soon. I can't access my funds and even pay their own Chase XXXX Credit Card.
Product: Credit card

My complaint is against American Express - this credit card company refuses to send account statements thus I have no way of verifying what I am being charge plus my not sending monthly statements I do not received the required address and information necessary to write to inquire about charges, payment history etc. 
Also, because Amex does not send statements I do not have mailing address to mail payments. 
Because American Express did not send statements I miss a timely payment.