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

I have been in XXXX XXXX for 13 months building a retirement house. My Sears/Citibank MasterCard had significant fraudulent charges ( > {$7600.00} ) charged on it after it was never returned to me at a merchant. 

I reported it to Sears/Citibank promptly as fraud and was told the card account would be closed ( when the amount was less than {$1000.00} ) and the Company apparently didnt close the account and NO merchants have signed receipts for the charges ( not with my signature anyway ). I had a letter sent Certified Mail to Citibank Sears MasterCard but even though they acknowledge receipt of the calls and letter : Citibank continues to debit my bank account monthly and insists I made the charges. All with no videotapes, signed receipts or any evidence. Credit Card fraud can not be charged to the Credit Card Holder in my home State of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a few letters via certified mail asking to fix the errors on my credit reports. I also ask them to send me information on how they verified the inaccurate accounts as " verified '' when the accounts are not mine. Each time I got a generic letter stating that the information is accurate and that they refuse to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am now requesting proof of the previous investigation on the following account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information within 5 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is decreasing my score without any reason or shame, my due date is XXXX and I paid before that it showed a {$240.00} balance and reduced my score The XXXX and the Transunion decreased my score without reason. I'm tired of this wrong report
Product: Mortgage

I applied for assistance in saving my home by hiring an attorney who faxed my fully executed and complete financial package to Wells Fargo Home Mortgage on XXXX XXXX, 2015. My attorney confirmed Wells Fargo Home Mortgage received my application on XXXX XXXX, 2015. 

On XXXX XXXX, 2015 Wells Fargo Home Mortgage via XXXX XXXX XXXX filed and recorded a Notice of Sale on my property. The sale date was originally XXXX XXXX, 2015 and was extended to XXXX XXXX, 2015. 

On XXXX XXXX, 2015 my attorney confirmed Wells Fargo had denied me for a loan modification. My attorney has requested a copy of the denial letter and NPV chart as we believe an error was made in the review. As soon as we have a copy of the NPV chart my attorney will appeal the denial. However as of today Wells Fargo Home Mortgage states my home is still set to foreclose on XXXX XXXX, 2015. 

See Attorney 's note:XX/XX/2015 XXXX ( PST ) XXXX XXXX & XXXX XXXX Spoke to XXXX. XXXX said sale date is still set for XXXX/XXXX/15. He transferred me to foreclosure dept. XXXX XXXX she said sale date is still set XXXX/XXXX/15. She asked if we sent in appeal. I told her we have n't received denial letter or NPV so how can we send an appeal. She transfered me back to Loss Mitigation XXXX XXXX said we are under protective status and he agreed that sale date should be pushed out at least until XXXX/XXXX/15. He put me on hold to try to get a hold of the foreclosure dept and we got disconnect. 

Tomorrow will be XXXX business hours before my foreclosure date. Per CFPB Regulation x ( 1024.41 ) I am allowed 30 days from the date of the denial to appeal my review. XXXX XXXX, 2015 falls before my timeline to appeal. Per my attorney Wells Fargo is not supposed to move forward with the foreclosure sale date until # 1 ) I have advised WFHM that I am not going to appeal or # 2 ) I have appealed and my appeal has been denied. 

If you look at the attorney notes ( above ), even Wells Fargo staff itself states by law I have until XXXX/XXXX/2015 to appeal and no foreclosure should be scheduled at this time. 

I am demanding Wells Fargo confirm the sale date has been post phoned. I plan on appealing my denial. This is in violation of Regulation x.
Product: Credit card

On XXXX Wells Fargo changes the rewards program XXXX to XXXX XXXX rewards program. 

I call the bank to claim my rewards XXXX of {$380.00} earned between XXXX to XXXX that I never received in the last statements. 

Well Fargo send an e mail letter on XX/XX/year> and informed me that I will received my rewards on XX/XX/year>. The bank never send my rewards of {$380.00}.
Product: Debt collection

Navy Federal as continued to report inaccurate informations across the credit bureas. Reporting charge off monthly, also I've challenged the inaccurate information and they continue to modify instead of deleting the wrongfully reported information. Ive also requested a 1099 for these accounts yet to receive one. 

Account Numbers : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I submitted a complaint to the CFPB ( # XXXX ) regarding a debt collection letter from XXXX XXXX XXXX XXXX In that complaint, I referred to another debt collection attempt from a company called XXXX XXXX XXXX XXXX XXXX. That company failed to respond to my request to verify themselves as the legal debt collector. In response to my complaint with the CFPB, XXXX XXXX XXXX responded that they were the legal owner of the debt they were trying to collect. In XXXX of XXXX, I submitted a payment plan to pay off the remainder of the debt, biweekly at {$150.00}. I have kept my promise to pay since then. 

Today, I called XXXX XXXX XXXX to confirm the remaining debt owed of {$2300.00} which agrees with what I have calculated for {$2300.00}. In 16 more payments, this debt will be settled. 

During my research on improving my personal finances, it came to my attention that if a debt collector sold my debt, that debt becomes a tax write off for them. My continued payments on top of the tax write-off they already claimed is something they should not have received. A few months after resuming payments with XXXX XXXX XXXX, I noticed that they were no longer reporting my payments to the credit bureaus. 

Since XXXX, I have paid at least {$15000.00} towards this debt. XXXX XXXX 's response to my CFPB complaint made it seem that this debt collection letter from them was the first time I was working with them in XXXX. That is not the case. I will attach a XXXX cancelled check with their endorsement on the back of the payment made to Citibank regarding this loan for what was a monthly payment of about {$200.00} a month. When I was unemployed, it was difficult to maintain payments until i got a steady job. It will be a screenshot. But if you need the encrypted PDF document I received from Citibank, I would be happy to share with CFPB. 

The previous reference number I had with XXXX XXXX XXXX was # XXXX. The active and current reference number they have assigned is # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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

I have made disputes to both   XXXX   and   XXXX    regarding information reported on my credit file that is not correct.  XX/XX/XXXX  made it difficult to confirm my identity because they are relying on fraudulent accounts as verification. I have submitted several disputes and made phone calls to  XX/XX/XXXX  and after a re-investigation, I received an email that advised me to call   XXXX   for further information if I still dispute the item. When I called  XX/XX/XXXX , they stated that the collection agency " verified '' that the account was in fact my account. When I asked what was the proof that they provided, I was told that the collection agency confirmed that the account in question was associated with my social security number. Well of course it is, that is what I am complaining about ; someone using my " identification '' fraudulently. That is the basis of the dispute.   XXXX   stated that I would need to contact the collection agency because they believe the collection agency. This is the proof? that the social security number belongs to me? I contacted the collection agency " Convergent '' and they stated that the account is being reviewed by the fraud department but it appears to be my account. I provided a police report number and information forwarded to me by the police department. The reporting agencies refuse to remove false information and I am losing money by purchasing different credit monitoring companies to gain a way to dispute these items. The collection agency states that they will send an update to the address on file. The address on file for a cable bill. I reiterated that I never have lived at that address, let alone the city where the fraud occurred. Where is the proof from these companies. I must show the burden of proof, not them. I was never notified of a bill, therefore a collection was reported on my credit file without my knowledge, and now that I know there is such a collection, they ignore the facts that prove it is not mine. I have researched the address and found the name of a person who lived there during the time of the fraud. Neither the reporting agencies or collection agencies perform due diligence.
Product: Student loan

In XXXX of XXXX, my student loan was transferred from XXXX XXXX XXXX and Resources ( XXXX ) to EdFinancial. Since the student loan pause went into effect on XX/XX/XXXX, I made payments totaling {$5400.00} to XXXX. After the loan was transferred I made payments totaling {$590.00} to EdFinancial. On XX/XX/XXXX I called EdFinancial and requested a refund on all payments I made during the student loan pause. I specified to the representative that I wanted a refund on the payments I made to edFinancial and XXXX. I was assured that I would receive a refund for all payments made since the pause. On XX/XX/XXXX, I received XXXX XXXX XXXX XXXX checks totaling {$590.00}, reflecting every payment I made while my loan was serviced by EdFinancial. My student loan balance on the EdFinancial website and XXXX was updated to reflect this. On XX/XX/XXXX I called EdFinancial to ask about the refund for the payments made to XXXX. I spoke on the phone with XXXX and she said she would put in a refund request specifically for the payments made to XXXX. It was unclear if a refund request for the XXXX payments had or had not been made when I initially called on XX/XX/XXXX. XXXX could not give me a timeline on when I would receive the refund on the XXXX payments. As of now ( XX/XX/XXXX ) I have not received any refund and my student loan balance has not been updated. On XX/XX/XXXX I submitted an application for student loan debt relief. I received an email today ( XX/XX/XXXX ) that my student loan forgiveness application has been approved and sent to my loan servicer. But again, my student loan balance has not been updated to include the {$5400.00} of payments made to XXXX.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, To whom it may concern at XXXX, To whom it may concern, at Equifax, I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly damaging to my credit score XXXX XXXX XXXX Account number : XXXX in accordance with The Fair Credit Reporting Act the Public law XXXX, Title XXXX, Section XXXX, A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation. 

I would also like your company to provide the copy of the check from an account that I've never had. In addition I would like to see a copy of the driver license which you state that was verified. 

I look forward to your prompt attention to remedy my request. 
Thanks, XXXX XXXX XXXX
Product: Debt collection

My insurance agent didnt cancel my policies when asked so they canceled for non pay however I sent in prof that the policies were to be canceled and XXXX corrected the dates and sent me a refund as I had actually over paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the hard inquiry of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX Account # XXXX My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Product: Consumer Loan

I spoke with the Branch Manager of Mariner Financial in XXXX, he spoke of helping me rebuild my credit. He then referred me to XXXX car dealers, XXXX being XXXX XXXX. 
When the Manager @ Mariner Finance thought I did n't go see XXXX Rep. XXXX he began to yell at me. 
Mariner Finance Manager called me on XXXX/XXXX/XXXX to tell me that I was approved for a XXXX XXXX XXXX with XXXX miles and that I had to hurry up see XXXX and bring the car up to him before his office closed. The call came approx. 
XXXX : XXXX. He wanted pics of the vehicle & additional bank statements at the last minute. The Old Squeeze Play last minute pressure. After signing the paperwork @ Mariner & then XXXX XXXX on a Friday after close of business. 
5 Days later the car 's engine light came on, I took it back, then the engine light returned along with the Traction Light, It stalled in traffic & jumped out of gear. It was never fixed. 
Revealed to be a burnt out transmission by Asst. Mgr @ XXXX in XXXX. Then the battery died. Now Mariner is saying they are NOT responsible & only finance cars. They want me to pay for a dead vehicle that 's been inoperable for 9-10 weeks. After review of my contract my Interest Rate is exceptionally @ 24 %. for 48 months. I had participated in a credit recovery program by purchasing a car with XXXX. XXXX in XXXX XXXX and had paid it off and got a XXXX from XXXX XXXX@4.9 %. I had purchased a XXXX Vehicle, a XXXX XXXX XXXX from XXXX and was 2 months away from the last payment when I re-financed with Mariner Finance. I was in an accident that totaled my car, and the XXXX XXXX XXXX Check was given to Mariner for over XXXX. Short about XXXX owed balance. 
Branch Manager then gave me a check for over XXXX to give to XXXX for the purchase of the XXXX XXXX XXXX which I had never been asked to drive a check anywhere in my history of buying XXXX cars, which I felt was a little weird I was also offered NO Gap Insurance, which I complained about but was n't given any reason why it was denied to me. 
I believe I have been part of a scam based on the following : A. Race B. Economic status C. Credit Status. In housing we have " Predator Lenders '' & along this corridor of XXXX there are Predator Lenders in Housing and I 've encountered 3 : XXXX, XXXX & XXXX that almost cost me my inheritance residential property in XXXX XXXX. Now I add to the list Mariner Financ XXXX & XXXX XXXX. In speaking with other XXXX in that area, they have warned me too late that XXXX XXXX is NO good. The Branch Manager who I complained to about the car stated : " You 're the only one who has ever had a complai nt. I believe this to be untrue & Mariner 's process of referring to what is a known unethical criminal warrants investigation. 
I want out of this unfair & unethical association. Car given back & the monies I 've spent : {$680.00} to Mariner for XXXX car payments refunded as well as the monies I 've had to pay for rental cars from XXXX for 7 weeks : {$1600.00}. 
This debacle & nightmare has cost me our XXXX XXXX due to paying unnecessary monies for rental cars. 
Thank You for your time & consideration! 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name appearing wrong on report XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX only. I have never gone by those other names.
Product: Mortgage

In acquiring a second mortgage loan on a New Jersey shore condo, I sought out Bank of America, as I have had prior mortgages and accounts with them. Although the process seemed to drag at times, due to the loan officers unresponsiveness, the closing date was approaching fast. The week before closing, I received an email from the loan officer, NMLS ID XXXX, stating that the condo was non-warrantable. This was after I paid for the appraiser to assess the condo. After receiving the email, I responded back as well as followed up with numerous phone calls, which went unanswered. He finally reached out 6 days after sending me the notice. At times during the process, I wondered if he knew what he was doing based on the lack of communication, days of no response from voice mails/ emails, asking for information already sent and having me pay for an appraisal without even checking if a loan can even be obtained for the condo. I had asked to deal with his manager, in which was not contacted by one, and my continually request for a refund or appraisal reassignment is going nowhere.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX  - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!