23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have experienced great mental hardship, and this account is stopping me from refinancing my home. I am in dire straits financially and I am attempting to handle this matter privately, now. 

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within XXXX  days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within XXXX  days and forward me the results. If this account can not be verified, DELETE this account from my consumer report. 

ACCOUNT : XXXX XXXX XXXX  XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be XXXX  % verified/validated within XXXX  days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE this erroneous, inaccurate information on my consumer report within XXXX  days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts EXETER FIN XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I elected to end my COVID-19 forbearance and request a loan modification. I did all the work involved in the loan modification process including all paperwork, check-ins, and made all trial payments. My loan mod was approved and my account with to return to normal servicing by XX/XX/XXXX. 

To help mitigate the on-going hardship further, I applied and received a one-time only grant from the local XXXX non-profit agency. The amount of the check they gave me to send to PennyMac ( my loan servicer ) is not enough to pay the amount I was in arrears in full but the loan modification would solve that. These funds would help my ( new ) mortgage payment to be covered for the next 6 months while I rebound financially. I am earning less than half of what I was earning prior to COVID. 

Even though the funds are not from the HHF program and I am not in a program that makes my mortgage payment for me on a continual on-going basis, PennyMac halted my loan modification and coded my account to HHF. They are unresponsive to my many, many phone calls and emails trying to understand what is going on and why this one grant amount would negate the loan modification agreement. They are completely unresponsive and say that I can only speak to one individual for answers to question because my account with PennyMac is coded as " HHF ''. They will not give me any answers about my loan modification or the rules in using another mortgage assistance source. 

The loan modification process I started in XX/XX/XXXX was to conclude XX/XX/XXXX. Now, once they cash this 3rd party check, I will show that I am $ XXXX {$6000.00} behind on my mortgage and in a delinquent status when the APPROVED loan modification was to reabsorb the amount I was in arrears back into my loan. Why would a secondary source of hardship assistance be in conflict with a loan modification when the hardship isn't just about getting current with the loan- it is also about a reduction in incoming because of the pandemic which could put me right back in the situation of getting behind on payments? 

The pandemic has been an unprecedented upheaval in so many lives unlike anything we've seen in any of our generations save for those still with us who survived the Depression. To make recovering from the impacts of it so tedious, so out-of-reach, so lacking in common sense is beyond me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An original letter was sent on XX/XX/XXXX and XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor 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  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/2022
Product: Credit card or prepaid card

This complaint involves a prepaid credit card issued via a Citi Visa card by XXXX XXXX in lieu of a refund for a credit balance.Instead of just sending me a refund of {$110.00} on a discontinued account they sent me a prepaid credit card which I never asked for.I did use the card and then destroyed it.I called up XXXX XXXX in an effort to cancel the card and stop receiving account statements.They were of no help and gave me a Citi number.However they informed me that they issued a second credit card for an additional credit that was owed me.They could not give me that card account number and I never received the second card.All of this aggravation could have been avoided if like any other normal business they just sent me a refund check.This is a scam as they are hoping you do n't use the card or do n't use it for the full amount and thereby relieved them of the obligation to pay a full refund.So now I have two credit card accounts that I never asked for that were set up without my authorization and the second card was never recieved.In terms of dates I terminated the XXXX XXXX around XXXX of 2017.I recieved the first card perhaps in XXXX of 2017.I could not resolve this with Citi as I do not have the account number since I destroyed the card and their IVR will not put you through to a live person without an account number.
Product: Bank account or service

To CFBP, I have been a loyal customer of Wells Fargo since XX/XX/XXXX. I am currently going through the process of fraudulent unauthorized transactions that I did not make. During this process, Wells Fargo cancelled my account and has created a new account ( cut up my card, and will send me a new one within 10 days, gave me a new checking account #, and closed my old account as of XX/XX/XXXX ). I am okay with all of that ( for my protection ). However, In my checking account, I had approximately {$480.00} in my checking account. I was n't able to see this activity online, because they cancelled my online username and password without telling me. I called XXXX this past week and they told me to go into a WF branch to show 1 ID and was asked that a WF banker call a WF # and it would be taken care of. I went to the WF bank in XXXX XXXX XXXX, UT at XXXX this last Monday or Tuesday. Was there 30 minutes and the banker told me that the WF system was down. Told me to come back later. I do n't have a vehicle, so this was a huge inconvenience ( I 'm on Social Security XXXX ). I went to a branch on XXXX in XXXX XXXX XXXX on XX/XX/XXXX. The banker pulled up my account. The female banker said I was - {$63.00}. Was shocked. I had at least over {$400.00} in my checking account. The banker could n't figure why this happened either. So, she called the WF number, gave WF my information. Long story short, the female banker on the phone explained why I was minus ( made no sense to me ). She talked in " lawyer '' talk, I had no idea what she was talking about no matter how she explained it. I kept saying, " But where is my money? MY MONEY? '' She said it had to do with my disputes over the unauthrorized charges. MY MONEY in my checking had nothing to do with this. I receive {$740.00} from Social Security per month. That {$400.00} or more IS MY money ... .not WF. WF ca n't take money away from me or Social Security. Magically the banker on the phone dismissed the negative {$63.00}, and put it to XXXX. No idea how she did that ... .but where was/is my {$400.00} or so? So, WF is going to leave a XXXX person with NO FOOD money for all of the rest of XXXX. That social security money is all that I have. WF did n't mention that or seem to care that I had XXXX money. I feel that WF stole my money and money from social security. I want WF to put MY money back into my account. I want an apology. And, I want restitution for emotional damages and not being able to sustain myself with NO food. I was extremley lucky that I got my medications for my illness earlier in the morning. If later, I would have had to driven to the XXXX XXXX and admitted myself to the psychiatric hospital ( the medications are a life-savers for me ). WF does n't seem to care about loyal customers ( 24 years ). I have NO money ... am starving with no money for food. Their certiain actions do n't seem ethical. WF ... WHERE IS MY {$480.00}???
Product: Student loan

An amount of {$51.00} was submitted on XX/XX/XXXX  for student loan repayment to EdFinancial Services. It was reversed on XX/XX/XXXX  but no notice was given for the reversal. An amount of {$100.00} was submitted on XX/XX/XXXX  and was reversed again the same day, with no notice via email, phone, or otherwise. My bank is connected to the account, all information is up to date and correct. No reasons have been given for the payment reversals and yet they continue to mark these as overdue. Autopay was set up prior but can not function due to this.
Product: Debt collection

The XXXX XXXX XXXX is threatening to garnish wages. They already took my tax return but never let us know that they did it. I am still not seeing it as a reduction in what I owe them. It was most {$3000.00}. My debt has been sent to XXXX XXXX XXXX. Instead of trying to work with me on coming up with a payment I could live with, they are threatening garnishment. They also have huge interest charges every month so it is impossible to pay the debt off. I feel that the only way to get away from this company, is to file bankruptcy. The military star is ruining peoples lives. They are abusing the system. The government needs to look at their debt collection tactics.
Product: Vehicle loan or lease

On XX/XX/2022 my bank, XXXX Bank XXXX XXXX, AR, overnighted a cashiers check to Ally Auto for the amount of {$14000.00}. The tracking number of XXXX shows that it was delivered on XX/XX/2022. Approximately XX/XX/XXXX I checked my online account and the payment hadnt been posted so I called to check on it. I was told to call back within the next two days to check. I was told this every few days over the course of two weeks. At the end of week two I started pressing harder when I called because I was tired of the runaround. I provided all of the information requested ( MULTIPLE TIMES ) such as the tracking number and address it was delivered to. I was told more than once a ticket would be opened with the payment department and it would be investigated. It has now been over three weeks since the payment was received. My payment is severely overdue ( it was due on XXXX ) and the payoff amount is well past the ten day payoff quote that was sent. Im also afraid its going to affect my credit score. I need to be in touch with someone who can handle this and quit giving us the runaround about losing our payment.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX Account # that starts with XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # that starts with XXXX XXXX XXXXXXXX Account # that starts with XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Accpunt # XXXX XXXX XXXX XXXX Account # that start with XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # that starts with XXXX XXXX XXXX Account # XXXX XXXX U.S.C. XXXX  Section XXXX A. States I have a right to privacy XXXX  U.S.C. XXXX Section XXXX  Section XXXX  It Also states that a consumer reporting agency can not furnish an account without my written instructions XXXX  U.S.C. XXXXc ( A ) XXXX XXXX ) Section States No consumer reporting agency may make any consumer report containing the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than XXXX years XXXX U.S.C. XXXXs-XXXX ( A ) ( XXXX ). 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: Checking or savings account

We wrote a check for {$4000.00} 6 months ago from our Wells Fargo checking account to a business in XXXX XXXX FL, and sent it by US mail. A woman stole the check from the mail, and altered it adding her name to it, and she deposited it into her XXXX XXXX account in XXXX XXXX, FL using an ATM deposit as a method. 
The police identified her, arrested her for theft, and she pled guilty to theft, fraud and forgery of the document. She is now out on probation in fact with the State of Florida. 
To this day we have not been reimbursed our loss by our bank or XXXX XXXX. 
I have all documents to support my complaint.
Product: Payday loan, title loan, personal loan, or advance loan

I made several purchases from XXXX and I have attached the order numbers stating I should have gotten a refund for the items I returned! I got XXXX total emails but refunds and I only received refund for XXXX so I attached the ones I did not receive credit from. These are multiple orders- the company allows you to make XXXX return from multiple orders. This is what I did but have not gotten credit yet! KLARNA told me on several occasions my case was escalated to a XXXX a week ago but nothing has been done yet. The rep I spoke to today stated to call XXXX which XXXX told me over XXXX weeks ago they informed the company of my returns and that KLARNA would need to push the credits through! Please do not allow them to keep my money for products I sent back to XXXX.
Product: Checking or savings account

This is the second complaint with the same issue with Chase Bank. I think a month and a half is more than enough time for XXXX XXXX from their executive office to research this. As of today, they have taken my XXXX XXXX check from XXXX XXXX XXXX XXXX  because of their bank error. I am about to hire an attorney.
Product: Bank account or service

On XX/XX/XXXX I sent XXXX to a person in XXXX XXXX via " MoneyGram '', on XX/XX/XXXX the person attempted to withdraw the money at XXXX different location and He was told that the full amount was not available for withdraw, the XXXX places in question are " XXXX XXXX '' and " XXXX XXXX XXXX ''. I call " MoneyGram '' and they say the full amount was ready for withdraw and gave me the name of another institutions where the money could be withdraw, this creates an issue for both the sender and the receiver because more time is wasted on phone calling and to figure out a way to withdraw the funds. 
Situations like the one mention can discourage persons like myself to continue using " MoneyGram '' Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Dear Sirs CFPB Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX SSN : XXXX. I'm reaching out because EXPERIAN. is helping Account Name put incorrect information on my credit report related to the account below : Account Name XXXX XXXX  Account # XXXXAs Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! By IRS rules, any canceled debt or charge off is classified as income. Reporting this as debt is incorrect. According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. *15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : * " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, l 've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. EXPERIAN. XXXX XXXX XXXX XXXXXXXX, TX XXXX. Please delete this incorrect information from my report immediately
Product: Credit card or prepaid card

I am a XXXX  in Alaska and due to COVID, we aren't able to go to places on land to get internet. I had to make a phone call to my Bank ( BECU ) to get a new debit card, they issued me a new debit card, but they failed to update my monthly automatic payments of my credit card. Since I'm fishing in Alaska, I have no way of getting notifications that a payment was missed or there was an issue with my credit card account. 

Come to find out BECU marked my account 60 days late, closed my credit card and seriously damaged my credit report from a mistake that was made on their end! 

I was just about to buy a house as soon as I am back from fishing and this has ruined my chances. I have a pregnant wife and no way to get my credit score back.
Product: Credit reporting or other personal consumer reports

In recent months, I have diligently sought the removal of inaccurate information from my credit report, a request that another credit reporting agency acknowledged, verified as inaccurate, and subsequently rectified. Regrettably, your lack of response, or responses that I deem frivolous, reflect a disregard for FCRA regulations and my request for verification.

To afford you the opportunity to rectify these discrepancies and comply with FCRA regulations, I am extending one final chance for you to correct the errors and update my records. Specifically, I request the prompt attention to and resolution of the following account details within the next 30 days : Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my Equifax credit report I came across several hard inquiries that I DID NOT authorize. 

These are three of the ones that I did not authorize. Oddly, they all have the same date All of these have the same date of XX/XX/2016. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received letters from Regions Bank stating that I have a credit card that I don't remember sign up for Upon inquiring about this concern with XXXX XXXX XXXX, she attempted to sign me up for a new line of credit, and subsequently revoked my current credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised since the year XXXX. The thieves used my stolen information to obtain an auto lease with BMW Financial. I became aware of this situation in XX/XX/XXXX after receiving numerous credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, I reviewed my credit report and then noticed this account, which I was also completely unaware of. This account has been negatively reported since XX/XX/XXXX which is significantly affecting my credit score. I've disputed this account numerous times with no result and also have not received any information regarding this account from the company.
Product: Credit card or prepaid card

Called to on XXXX XXXXXX/XX/XXXX to request a settlement offer or to lower the interest rate to payoff the card. Was told there wasnt any offer they could make.