23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to the COVID-19 pandemic, I and my spouse lost income and revenue to pay for our mortgage and other debt payments. I notified the current first mortgage lienholder and was working with a person named XXXX. He requested I write a Letter requesting assistance, which I did. Then another person named XXXX requested we resubmit the letter along with a Personal Financial Statement and copies of our tax returns. We complied. XXXX informed us that he would help us with a Loan Modification request, but once XXXX entered the picture, we were informed XXXX was no longer with the company. XXXX also led us to believe he would help and work on a Loan Modification, but instead he issued a Notice of Default. 

We feel he has violated and breached the covenant of negotiations in good faith. 

We are requesting assistance via a Loan Modification of our current loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a multiple request asking TransUnion how they verified this accounts as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this accounts. 
XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, XXXX XXXX  Original Creditor XXXX XXXX : Account number : XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

After 15 attempts to submit a dispute online I am reaching out to the CFPB to facilitate a review of Equifax 's on-line dispute system. Equifax systematically requests personal information for identification then claims the information provided does not correspond with their information and their system kicks you out so that you have to submit, repeatedly, the same information, over and over again. They wear you down so they won't have to do an investigation. Criminal. They are preventing the process of removing erroneous information from personal credit reports that can effect a person 's ability to get a loan, job or positive reference for employment. They need to be held accountable for their punitive actions.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 


XXXX XXXX  Original Creditor : XXXX XXXX  XXXX {$1300.00} XXXX  XXXX {$1300.00} XXXX XXXX {$0.00}
Product: Vehicle loan or lease

My car was repossess by Credit Acceptance 2 months ago they have been violating my consumer rights since i purchase the car. Repossessions are illegal 15 USC 1692e ( 4 ) and 15 USC 1692f ( 6 ) also UCC 9-611 Notification before disposition of collateral.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 card or prepaid card

I am writing to dispute a billing error in the amount of {$6000.00} on my account. The amount is inaccurate because your company has taken the amount out of my bank on the XXXX. 
I called into your company advise that my one account is blocka and money was taken our of my account twice. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Please investigate this matter and correct the billing error as soon as possible. I am also will report this error and all my billing evidence to the FEDERAL TRADE COMMISSION INCLUDING PHONE RECORDINGS AND BILL STATEMENT. 
In addition, I would like you guys to stall my payment until I got a response from the federal trade commission and the better business bureau. Recently, I have been in contact and your company has not f/u on request to investigating this issue.
Product: Credit card

I signed up for a Care Credit card in XXXX of XXXX as a financing option for a medical service. The initial purchase amount was around {$1200.00}, and I was approved right away during the consultation at the XXXX XXXX. On XX/XX/XXXX of XXXX I was charged {$740.00} of interest alone, which made my total balance increase to over the initial purchase amount. I was never told that this card had deferred interest and if I didn't pay off the whole balance in 24 months, that I would be charged 30 % interest on the initial purchase amount. And I have made payments on this card, to be fair. If I had been told this, I would have never agreed to use this card. The main reason why people are drawn to these credit cards in the first place, is to pay off a debt they can not afford to pay in full, and so the idea of deferred interest seems to directly defeat the purpose of this. In my opinion, these terms are extremely deceptive and fraudulent. This does not sit well with me at all, and this will be the last time I do any kind of business with Care Credit, or Synchrony Bank. They could care less about the people who fall victim to their terms, in fact they have no problem defending the terms as if they make sense in the first place. People are struggling with bills, and inflated prices making it hard to pay for necessities, and I feel like there is no one out there to defend me or people like me who just want to be treated fairly. I guess this is the way the world works now, and if you can't pay the outrageous price in full, then you just deserve to stay behind forever. 

Thanks a lot.
Product: Checking or savings account

I could not login to my Ally.com acct as of XX/XX/2021. I reached out to Ally immediately and I was told to call back the following day to talk to the Loss Prevention Department. I called on XX/XX/XXXX and explained I was traveling in XXXX and was trying to access my account. The agent I spoke said that should be fine and said restrictions have been lifted. After coming back to the XXXX, I logged in today ( XX/XX/XXXX ) and found restrictions are still in place. I couldn't transfer funds out to another bank and couldn't activate my debit card. I called Ally again and spoke to different agents. They couldn't explain why the account is locked.
Product: Credit card

Have called Chase Bank to report untrue charges on statement. They still want the {$1600.00} money I do not owe them. I originally wanted a Chase credit card but changed my mind and cut up their card when sent to me. I never used it to charge anything. They now say I owe payments due. I sent them {$100.00} out of fear but they neither returned my {$10000.00} or gave me credit on their statement. I have called Chase many times to explain without success. Every time they REVIEW my problem, they still say I owe the money to them. I don't owe Chase because I did not use their card, I cut it up the day I received it and did not charge anything on it. Everything I buy is paid for by my own bank, out of my checking or VISA account there. Chase is now saying I'm past due on payments when I don't owe them anything. Hope I can get this resolved. I always pay my bills. 
Thank you, XXXX XXXX XX/XX/24
Product: Checking or savings account

XX/XX/year> - Account opened. 
XX/XX/scrub>XXXX  - Received welcome email. Expected to receive debit card within 10 days to start using account. 
XX/XX/scrub>XXXX  - Account closed. Called customer care and they informed me that Netspend XXXX XXXX for " high risk '' reasons that the company will not disclose. Netspend does not allow customers to talk to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I use to have a student loan with Ed Financial Services. Ed Financial Services transferred the servicing of the loan to XXXX XXXX XXXX ( XXXX ) and the loan has since been paid off after the transfer was done to XXXX. XXXX is still reflecting that the loan is open with Ed Financial Services with an outstanding balance of roughly {$17000.00}. I have disputed this item several time with XXXX and they refuse to update my credit profile to reflect the transfer to XXXX and that my Ed Financial account is closed with a XXXX balance. XXXX stated that they have reached out to Ed Financial several times requesting account status information and that Ed Financial continues to verify the wrong information. Please help!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a {$15000.00} wire transfer from my personal checking account at XXXX XXXX XXXX XXXX to a business checking account at Truist Bank, which I hold under my business entity. On XX/XX/XXXX, I instructed Truist to forward the {$15000.00} wire to a business checking account I own at XXXX Bank. However, Truist flagged this wire for fraud and placed a block on my account. Following this, I was instructed to visit a local Truist branch to verify my identity and account. Despite complying and having the block subsequently removed, Truist imposed a second block on my account the following day, after which my business account was closed without further explanation. 

On XX/XX/XXXX, the wire transfer was returned under the notation " Return of Transaction Per Fraud Recall '' and, as per my documentation, successfully transmitted back to Truist. I have the official XXXX of XXXX number. However, upon repeated inquiries, Truist representatives have alternately claimed that the wire was either sent back to my XXXX XXXX XXXX XXXX account or never received from XXXX Bank. XXXX XXXX has no record of any wire being returned to my account, and representatives from XXXX Bank confirm that the funds were indeed returned to Truist. I have also attached documentation showing that Truist has directly communicated with XXXX XXXX, stating that they will not return the {$15000.00} and that my account has been closed. 

I have made over XXXX attempts to resolve this issue with Truist Bank, even facilitating conference calls involving both Truist and XXXX Bank representatives. Each institution denies possession of the funds, and I am consistently given conflicting and unsatisfactory responses from Truist regarding the whereabouts of the {$15000.00} wire transfer. On several occasions, Truist has refused to acknowledge bank statements and evidence Ive provided, which clearly demonstrate the origin and flow of these funds from my XXXX XXXX account. 

I require immediate clarification on the status and location of these funds, as well as formal documentation confirming Truist 's receipt or final disposition of the {$15000.00} wire transfer. Please respond promptly and definitively to address this matter.
Product: Mortgage

I have been trying to work with my lender but they continue to disregard my documents. My counselor XXXX XXXX has submitted numerous third party authorization forms that I signed and provided but Wells Fargo keeps dragging their feet. I am just trying to save my home and they need to start paying attention to the documents that are being submitted. It has been over 3 weeks waiting on them and XXXX rep telling us that they have and another saying they don't.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Please remove all the negative items update XXXX XXXX XXXX XXXX XXXX XXXX XXXX to never late please remove all inquiries Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I signed a contract with us auto sales. Every payment i ever made is gone. They transferred us over to westlake with the same contract we originally signed basically starting our contracts all over
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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts Stellarfinance inc # XXXX, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi cfpb, please send the following to NEIMAN MARCUS CARD  and capital one. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 card or prepaid card

Comenity bank charged me a late fee of {$27.00} on XXXX XXXX my payment was due on XXXX XXXX for my XXXX Credit Card. The balance for my account was {$170.00}. Then I received a credit for a return bringing my balance to {$130.00}. 

I believe Comenity Bankcharges excessive late fees for the proportion of a consumers balance. In addition I believe Comenity is charging a late fee on the accounts prematurely not providing consumers adequate time to actually submit their payment before a fees charged.
Product: Credit reporting or other personal consumer reports

I have been attempting to contact your department since May via mail, alerting you to the presence of an inaccurate and misleading entry on my credit report. However, even after obtaining an updated copy of my credit report today, this erroneous item persists. That's why this time I raised this concern via CFPB.
Product: Credit reporting

I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bankruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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. 

XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report that I did not give permission for. Ive tried contacting the companies since XXXX. Recently in XXXX of XXXX XXXX XXXX was taken off my report due to non verification. It just popped back up around XXXX. The credit companies are saying it is verifiable, but I have not been provided with anything. Ad Astra is also ignoring me in trying to fix this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXXXXXX 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 have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions