23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I enrolled my American Express card into this promotional offer ( see attached for email confirmation ) : use your enrolled Card to spend {$350.00} in one or more transactions in-store at XXXX XXXX or XXXX XXXX or online at XXXX or XXXX by XX/XX/XXXX. Earn XXXX additional Membership Rewards points, one time. 

On XX/XX/XXXX, after the enrollment I made on purchase for {$350.00} on XXXX and received American Express email confirmation that I will receive XXXX within XXXX days. Please see attached. 

On XX/XX/XXXX, after many calls following up with American Express, they refuse to honor the promotion. A disappointing scam as I would not have made the purchase on XXXX if it was n't for this promotion. I 've been with American Express for so many years and this is the first time I 've been so ready to discontinue my relationship with it.
Product: Mortgage

My mortgage was sold to Carrington Mortgage Company by XXXX XXXX XXXX, which are both from XXXX. The mortgage was sold to Carrington Mortgage in XXXX and I have been trying to work with them for a loan modification. Well in XXXX, I was informed by Carrington Mortgage I was put on a temporary modification which my payments switched from XXXX to XXXX. I immediately informed Carrington on why the increase in which they had no explanation or they did not provide one. So, I attempted to make the payments which were on time until a flood occurred in my home. Once again I immediately contacted our service provider as well as kept them inform of everything going. Soon after that my husband took ill and had to have a transplant while we were located temporarily in a hotel. The transplant took place on XXXX of XXXX with us still trying to pay the mortgage along with the deductible. I then informed Carrington Mortgage I was having problem making the payments and could I go for a permanent loan modification. I have been dealing with them losing my paperwork after paperwork and being told one thing after another. I want help in keeping our home it being our first resident and really don't want to loose it because of miscommunication. Because I feel I have done everything they require and they come up with excuses. Today I was told my paperwork needed to be updated once again after mailing them a package on XX/XX/XXXX. Which they once again stated they did not have and I also have proof of every fax I have sen to them for paperwork requested by them. The customer service reps are rude and really are not knowledgeable. They went as far as to supply false information to get my family hopes to be told the program had not been in affect since XXXX.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Bankruptcy XXXX  XXXX Filed on XXXX XXXX, XXXX  Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor via CFPB Complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am formally requesting that you include the following fraudulent inquiries to be removed from my Credit report. If you are unable to send me any documents pertaining that the disputed inquiries belong to me, immediate deletion of the disputed inquiries will be appreciated.
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 : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The creditors GENERAL REV, XXXX  XXXX XXXX, and XXXX XXXX XXXX  keep reporting accounts to my credit report that I have already paid off and are all XXXX  XXXX. Please delete these accounts off my credit report and cease all reporting activities
Product: Bank account or service

I AM REPRESENTATIVE PAYEE FOR XXXX XXXX VETERANS AND HAVE DEPOSITED THEIR CHECKS IN MY NAME AND THEIRS IN MY BUSINESS ACCOUNT FOR OVER 15 YEARS. TODAY BANK OF AMERICA REFUSED TO DEPOSIT THEM UNLESS I OPENED A SEPARATE ACCOUNT IN MY NAME AND THEIRS. I WILL CONTACT SOCIAL SECURITY ABOUT AUTOMATIC DEPOSIT IN A PERSONAL ACCOUNT, BUT THE MANAGER XXXX XXXX WOULD NOT SHOW ME THEIR RULES AS TO WHY I COULD NOT DEPOSIT THESE CHECKS. I CONTACTED MY SISTER, XXXX XXXX XXXX ( WHO IS A BANK MANAGER AND HAS BEEN FOR 30 YEARS ) AND SHE SUGGESTED I TELL THE BANK TO CASH THE CHECKS AND THE BANK DID, BUT IT CHARGED ME A FEE TO CASH BOTH OF THESE CHECKS. THIS IS TARGETING VETERANS TO OPEN ACCOUNTS THEY DO NOT NEED OR TO CHARGE THEM A FEE.
Product: Credit card or prepaid card

I have been charged late fees twice by a Wayfair Comenity card most recently on XX/XX/XXXX for a payment received on XX/XX/XXXX. The bills ALWAYS come late giving little opportunity to pay them and they refuse to communicate or work with me despite trying to call repeatedly and communicate with them and explain my situation
Product: Credit reporting or other personal consumer reports

There are fraudulent account and inquiries on my credit report that need to be removed ASAP : XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$46000.00}. 
XXXX from XXXX XX/XX/XXXX. 
XXXX from XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

In response to complaint ID XXXX What is the next step? 

I refuse to pay for a product that I did not receive. I have a signed contract and renderings from XXXX XXXX of what we agreed on. Nothing was done correctly. Not the floor coverings, not the walls, not the paint, not the room sizes, not the ceiling heights, not the fixtures, not the missing shower bench, not the missing show niches - NOTHING. 

I find it very self-serving that Service Financial can not provide a recording of an alleged voicemail for a {$15000.00} loan agreement while I am able to archive and review the hundreds of voice mails, text messages and emails between XXXX XXXX XXXX XXXX. 

XXXX XXXX employment was terminated after this project and we believe that it was due to the fraud he committed with this project. 

It is now clear to me that not even the owner, XXXX XXXX, was aware of the promises that his employee made in writing to me. ( See email dated XX/XX/XXXX - Page 10 of XXXX XXXX Request Attachment package XXXX ). In that email XXXX XXXX admits that he does not have a copy of the contract that he signed off on to Service Financial. 

Service Financial provided me a bill that shows the final payment was released prior to the project being finished. ( Page 6 of XXXX  CFPG Request Attachment package XXXX ). First payments of XXXX and XXXX were paid on XX/XX/XXXX and XX/XX/XXXX to start the project. The final payment from Service Financial was not to be paid until the project was completed per my contract with XXXX. The project was never finished. 

Somehow XXXX XXXX convinced Service Financial to release the funds early and without my knowledge. Service Financial released the funds without even talking to me. I was not aware that XXXX received the money until I got a bill in the mail. 

When I brought the fact that I got a bill from Service Financial in the mail to the contractor, I was told that I had to pay the bill or XXXX  would stop working on the project. I was XXXX  and looking at a construction mess in my home with a contractor telling me that he would walk away with my down payment if I stopped paying Service Financial. XXXX XXXX kept insisting to just wait until the finished product. Every time I would bring up a problem he would threaten to quit and told us to wait until he was finished. I waited 8 months for them to finish a contracted 6 week project. They never completed it. 

The builder owes us money because the project was not done on time and not completed to specification. 

By releasing the funds before the project was completed, Service Financial left me with no leverage to get the job done correctly. The contractor took the money and gave up. 

Again, I ask Service Financial - What is the next step?
Product: Credit reporting or other personal consumer reports

SOMEONE TRIED TO OPEN A CREDIT CARD IN MY NAME WITH XXXXXXXX XXXX AND XXXX WAS NOT ME I NEED IT REMOVED FROM MY CREDIT REPORT AS IT HAS CAUSED MY SCORE TO FALL XXXX POINTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX has incorrect hard inquiries on my XXXX, XXXX, and Transunion credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, XXXX, and Transunion report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Product: Debt collection

I do n't know them it 's 7 years ago I do n't know what  to du
Product: Checking or savings account

I applied for a Business Account 2 times. My first application went dead because no one worked it after submitting the documents. The next application was denied due to no FEIN Letter from the IRS. Which is something you can't get immediately. The IRS services are closed until XX/XX/2024. I provided tax returns for the previous year with the Company EIN and State registration current status letter after speaking to an agent and being told that was all they needed. The Company is over 7 years old. They made it impossible to get a business account and I am a member in good standing.
Product: Vehicle loan or lease

My car lease was for 3 years. When I returned my car at the end of the lease the GM Inspector said he has never seen such a pristine looking car in all the 20 years he has been inspecting. I realize that there was a Disposition fee and the end of the lease thinking they would take in to consideration on how clean the car was when it was returned but when I received the bill they wanted the entire balance paid with in 2 weeks.. XXXX is 2 weeks away and I'm on a fixed budget. I pleaded with them to make payment arrangements. The balance is {$520.00}. This money was for my children 's XXXX. We are not rich and can not possible make that payment. They offered to cut it in half. Pay {$260.00} today and the remainder the following month, but added another {$10.00} fee! Who is running this company ... MR.XXXX??
Product: Debt collection

I had submitted a complaint ( Case number : XXXX XXXX about the Debt Recovery Solutions debt I did not owe. They responded and sent a letter through CFPB that they will delete it and send it back to the original collector XXXX XXXX XXXX. My reports updated on XX/XX/XXXX, and I found out that they deleted the file from XXXX and readded it to my XXXX report under the same name Debt Recovery Solutions and XXXX XXXX XXXX. They are the same company and they 're just jumping from report to report with this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained within my credit report provided by your bureau, particularly concerning late mortgage payments. Pursuant to the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681 EB, I hereby invoke my rights to dispute and request an investigation into the following late mortgage payments : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX XX/XX/2023 These reported late payments inaccurately reflect my credit history. I maintain that I made all mortgage payments on time during the periods mentioned above. 

Furthermore, I would like to bring to your attention the actions of XXXXXXXX XXXX regarding a XXXX and subsequent repayment plan associated with my mortgage account. It has come to my attention that XXXXXXXX XXXX withheld proper information regarding the terms and conditions of the XXXX and repayment plan, leading to confusion and financial XXXX on my part. Such actions are not only unethical but may also constitute a violation of the FCRA. 

Moreover, despite my repeated requests, XXXX XXXX has refused to release phone recordings relevant to this matter. This refusal raises concerns about transparency and accountability in their dealings with consumers. 

In accordance with 15 USC 1681 EB, I request that you conduct a thorough investigation into the validity of the late payment entries associated with my mortgage account and the alleged withholding of proper information by XXXX XXXX regarding the XXXX and repayment plan. This includes scrutinizing the accuracy of the reported dates, amounts, and any other relevant details pertaining to these late payments, as well as an examination of the information provided by XXXX XXXX regarding the forbearance and repayment plan. 

Furthermore, I request that your bureau take appropriate action to ensure XXXX XXXX complies with the law and provides the necessary documentation and recordings related to this dispute. 

I urge you to take immediate action to rectify these inaccuracies and update my credit report accordingly. Please provide me with written confirmation once the investigation has been completed and the necessary corrections have been made. 

I appreciate your prompt attention to this matter and expect a response within the timeframes stipulated by law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo performed a " Web Direct/Debit Payment '' withdrawal from my XXXX XXXX XXXXXXXX checking account that I did not authorize. 

I have an auto loan with Wells Fargo for a XXXX XXXX XXXX. That auto loan has been on an automatic loan payment program since XX/XX/XXXX. 

Every month since XXXX of XXXX, Wells Fargo has performed an " Automatic Loan Payment '' transaction to withdraw {$510.00} from my XXXX XXXX XXXXXXXX checking account and apply it to my Wells Fargo Auto XXXX. 

On XX/XX/XXXX, Wells Fargo performed a " Web Direct/Debit Payment '' transaction to withdraw {$510.00} from my XXXX XXXX XXXXXXXX checking account. These types of electronic transactions require customer authorization. I did not authorize such a request. 

On XX/XX/XXXX, Wells Fargo performed the typically scheduled " Automatic Loan Payment '' transaction and withdrew a second {$510.00} from my XXXX XXXX XXXXXXXX checking account. 

On Wednesday, XX/XX/XXXX, I discovered Wells Fargo 's unauthorized withdrawal from my XXXX XXXX XXXXXXXX checking account. 

I contacted Wells Fargo customer service and was asked to email screenshots of my XXXX XXXX XXXX checking account transactions showing that the Wells Fargo withdrawals had cleared. The screenshots were emailed. 

On Thursday, XX/XX/XXXX, a representative named XXXX from Wells Fargo left a voicemail on my wife 's phone asking me to call her regarding the issue. I attempted two callbacks on Thursday. I tried a third callback on Friday at approximately XXXXXXXX XXXX Pacific. 

I reached XXXX and was informed that she would try to look into it, but it would likely not be until Monday XXXX, XX/XX/XXXX, because she only worked for another XXXX minutes. No options were provided for me to speak with another representative working Pacific Time Zone business hours. 

So now, it appears that Wells Fargo will not make any effort to reimburse me for my money. This error on their part placed me in a difficult position as I relied on that {$500.00} to pay other bills. XXXX also told me that Wells Fargo had XXXX business days to decide to give me back my money and would mail it to me because they had no method of electronically transmitting the payment back to my Checking Account. That is hard to believe because they electronically withdrew my money when they first made the mistake.
Product: Debt collection

XXXX XX/XX/2020 in the amount of {$1400.00} This was not my bill, someone use my name at hospital to seek treatment. I advised the hospital that it wasnt me and I was living out of state at the time.
Product: Mortgage

When my mortgage company was Green Tree, I was paying 7 % and was struggling. I applied for a loan modification and was rejected. During this time I was in Chapter XXXX. Later I learned that according to the consumer protection agency, many customers were lied to by Green Tree. They were told that they were not eligible for a loan modification when in fact they were eligible. During that time I got behind and got caught up as part of my chapter XXXX. When I got out of chapter XXXX, I tried to get a mortgage refinance or any thing that I could, including any available goverment program. They told me that I was not eligible. They turned me down. At this time they put a statement on my credit report saying that I got behind in payments and it was caught up as part of a chapter XXXX. I guess they did this to justify denying my refinance. Yes I am still paying 7 % when the interest rate is much, much lower. They did take the statement off of my credit report, once I paid a company to clean my credit. I also was told that what they did was not legal. I do not know what to do to take legal actions against them, but I will. Obviously they stand to lose money by charging me what the actual interest rate is these days, instead of 7 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX, I am writing to request that the following items be immediately investigated. If inaccurate, they must be removed off my credit report. According to the Fair Credit Reporting Act, I expect you to complete this investigation within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX _XXXX XXXX These name are incorrect . Please delete it **Address reported** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX These addresses are not belong to me. I have attached proof of my current address below. Please delete it. 
**Auto loans** XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I never receipted any credit or loans from this company. Please provide full document. 
**Student loans** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it _XXXX   XXXX XXXX XXXX Reported : XX/XX/XXXX This account state that I was late on XX/XX/XXXX. However, I paid on time, it's inaccurate. Please provide payment agree or delete this account. 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it!!! 
_DEPT OF ED / XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. The credit bureaus even did not update an remarks which violated " Metro2 Credit Report Compliance ". Please provide payments agree or delete it!!! 
**Hard Inquiries** XXXX Inquiry : XXXX XXXX, XXXX This isn't mine, delete it!!!
Product: Debt collection

I am making this complaint against XXXX XXXX, XXXX. for committing identity theft. I have never given XXXX XXXX, XXXX. any permission to use any of my identifying information to commit mail fraud by contacting me about any alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) and lawfully discharging the debt pursuant to UCc 3-604 ( a ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX, XXXX. can provide me with sufficient documentary evidence that I have any legal or lawful obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX, XXXX. continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX, XXXX. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the document herein and of this notice, you are hereby notified pursuant to UCc 1-202f. Your promt attention and response are both requested and required.