23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I kept recieving calls from this collector I told them over the phone and over mail to not call or try to communicate with me in any way they continued to attempt to I need for yall to verify and validate this collection Innacurate account please verify with accuracy XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had wire fraud activity on my old checking account and Chase is refusing my claims. I have done everything asked of them and they still are not able to provide me updates or a status of my case. Submitted a complaint to IC3, filed a police report, opened a case with Chase, and created a new checking account.
Product: Credit reporting or other personal consumer reports

I sent notice to CAPITAL ONE to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed CAPITAL ONE that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with CAPITAL ONE. Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account ending XXXX )
Product: Credit reporting or other personal consumer reports

I am constantly receiving calls from this company for a debt that does not belong to me. Company states account was opened in XXXX, XXXX. I never opened that account and I want this company to provide full proof of my wet signature that prove the account belongs to me. If for any reason this agency can not provide me with full proof this collection and/or debt must be removed from my credit and from all credit reporting agencies and bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached to XXXX XXXX on XXXX XXXX to fix an error regarding late payments that they have reporting to XXXX XXXX XXXX and Experian. I set up a payment plan for my card on XXXX XXXX XXXX. To where I would pay {$85.00} on the XXXX of the month starting in XX/XX/XXXX, XXXX. I made every payment on time with an automatic withdrawal from my account. Until they abruptly transferred the account to collections in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called a representative kindly agreed to have this inquiry removed from my account as well the late payments since I didnt realize it would be reported to the credit bureaus. 
Also, I had filled a Police report regarding my identify theft on several accounts under my name. 
Here are the accounts that need to be deleted. 
Currently active in the XXXX XXXX when all of this began. 

Name Account number XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am re writing to bring to your attention AGAIN! that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : APPLE GS/CARD, XXXX XXXX XXXX  addresses : XXXX XXXX XXXX XXXX XXXX oh XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has manipulated my consumer statement took out sentences etc PLEASE SEE MY REGISTERED LETTER TO ALL BUREUS this is example on how they operate PLEASE THIS WILL BE EXHIBIT F these many of many you have no clue the damages being done Experian has demonstrated very poor and known fact they thrive on the income that companies pay to XXXX you to be able to extend credit at high interest rates as you will see I pay my bills that are mine and thought in question can XXXX no mater if its XXXX $
Product: Mortgage

XX/XX/XXXX submitted a request for short sale approval loan care loan # - XXXX, poc contact # XXXX   XXXX XXXX  XXXX ; email - fax to XXXX, XXXX, or XXXX, XXXXt ; XXXX LoanCare closed their review file in XX/XX/XXXX stating documents needed were not received. The package was sent again on XX/XX/XXXX. The documents were complete, customer service verifies verbally they see the documents but loss mitigation is prompting the system that the docs are needed There is a ready willing and able buyer trying to close by month end XX/XX/XXXX ( we could have closed in XX/XX/XXXX providing further legal resolve ) and the first lien approval extended once already is about to expire. We need to get to closing before foreclosure.

Loan Care is not processing the file competently and we need them to be accountable for the delay, process the file and provide a response asap.

please help XX/XX/XXXX has been processing the short sale for settlement and has all communications documented.

We simply need this bank to process the documents and provide a response asap.

also, banks do not understand the legal listing agreement. they request extensions to this document when they are not needed. Paragraph 4 clearly states the agreement is valid if a contract is entered prior to the listing expiration. please help all banks understand this as it causes delay transaction after transaction.
Product: Money transfer, virtual currency, or money service

I was trying to sell a treadmill I have on XXXX for {$200.00}. The buyer sent me {$200.00} through Zelle pay I had with my XXXX XXXXXXXX account. Zelle held my {$200.00} and would not give it to me until the buyer sent me another {$300.00} through Zelle pay and then I had to send the {$300.00} back to him or they would hold my {$500.00}. So I sent the {$300.00} back to him and now Im down {$500.00}. They still are holding my {$500.00} until I send the buyer {$500.00} because they said I have to open business account and I have to pay {$1000.00} for business fees and they will give me my {$1000.00} back. So I wanted my money back so I sent the buyer {$500.00} and now Im thinking Im going to get my {$1000.00} back and they said no you need to send this agent {$1000.00} at XXXX  and we will send you {$2000.00}. I dont have {$1000.00} to send the XXXX account and I lost my last {$1000.00}. The buyer blocked me and did not purchase the treadmill so I lost {$800.00} my rent money. I have no money now. Zelle refuses to give it back to me and they kept emailing me asking me for my bank account numbers the front and back of my debit card and my PIN number. I said no just please give me my {$1000.00} back. They stopped messaging me. I disputed all the transactions with XXXX XXXX and they refuse to give me a refund also to my bank account. They said they have to talk to Zelle first. Zelle is no response and XXXX XXXX said I have to wait XXXX business days for investigation. I have all the emails to prove this. I need my money back. Please I repeatedly told them I dont need a business account I am only selling one thing because Im a XXXX mom and I need cash.
Product: Debt collection

First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me XXXX, and refused to let me speak to a supervisor. Then the following day I received 17 calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> Amount : XXXX Action Steps Taken : 1. Contacted the Lender : I reached out by [ phone/email/letter ] to request detailed information regarding the repossession of my vehicle. 
I asked for clarification on the reason for the repossession and requested an itemized breakdown of the amount owed.

2. Requested Documentation : I formally requested copies of the loan agreement, payment history, and any communication sent regarding missed payments or default on the loan.

3. Explored Resolution Options : I inquired about the possibility of reinstating the loan or redeeming the vehicle, including the total amount required and any associated deadlines.

4. Reviewed Rights and State Laws : I reviewed my rights regarding vehicle repossession under state laws to ensure proper procedures were followed by the lender. 
5. Followed Up : I followed up with the lender on [ insert date ] to confirm receipt of my request and to seek updates regarding the next steps.
Product: Student loan

I am having multiple difficulties in re-paying my student loan. Its been 17+ years since I have completed my XXXX degree. At the time of graduation, finding a job proved to be difficult for a recent graduate without very much work experience. So, at that time, I had to request a forbearance on my student loans. I also went through phases in consolidating my loans to XXXX XXXX XXXX XXXX to  make the repayment process go smoother. Intermittently through out the last 17 years I have made payments on my student loan which initially amounted to $ XXXX. However, with all the forbearance actions I was not under the impression that my loan would be capitalized when I was applying for extensions due to the amount of the loan and the re-payment plans available. My loan amount has almost doubled at $ XXXX. So, as time went on I have taken advantage of the Public Student Loan Forgiveness Program since I have been working for the Federal Government for 17 years. My agency was not generous as what people might think about granting tuition assistance or re-paying their employee 's student loans as part of a recruiting and retention program. So, as I struggle to pay back the loans, the PSLF program has offered a way for me to complete. Anyways, what I did not know and felt deceived is the number of payments on my account that were not credited. My loan originated with the XXXX XXXX XXXX and was transferred to XXXX XXXX & XXXX. Only a portion ( 8 )  payments from XXXX within the last year before I applied to the PSLF program were accepted and counted against my PSLF from the past 15 years. I also did not realize that if you are one day late in making your payment, that payment is n't credited as well. So, with this I feel robbed that all the payments I have made are not being credited properly and therefore caused to make more payments than what is needed for forgiveness in this plan. As time goes on and with my limited income with the Government being politicized it feels that the struggle to make my student loan payment is worse. I have tried to work with my lender, the thing is I am hearing impaired and the preferred method of contact is by email. My lender 's customer service is not receptive and often times my inquiries are not being acknowledged for weeks or sometimes not at all.
Product: Checking or savings account

I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system ) I lost nearly XXXX on XX/XX/year> and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems. Wells Fargo will not provide me anything that proves that they did not commit this fraud against one of their own customers yet I have to try and prove that this was not me and I have to accept their answer that I approved the fraud. I did not. When will Wells Fargo be accountable and provide me proof that they are not responsible for this? They say they are not but they do nothing to provide evidence. Please provide me that evidence. In my most recent complaint I provided more evidence where the money went and they did not specifically address that evidence. They need to provide more details other than it is the customers fault and nothing can be done. I was supposed to receive a letter with details and I have yet to receive that letter. Thank you very much! XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of inaccurate and derogatory information from my credit report. The accounts listed below are reported incorrectly and do not meet the compliance standards outlined by the XXXX XXXX XXXX XXXX ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are in dispute : I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXX XXXX XXXX Inquiry Date : XX/XX/year> I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXX XXXX Inquiry Date : XX/XX/year> Under 15 USC 1666B, this is a billing error. Always paid as agreed on time. This is an error. This account is in violation. 
XXXX XXXX  XXXX Please update the late payments all payments were made on time. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXXXXXX Cease and Desist ASAP. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXXXXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Cease and Desist ASAP. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX XXXXXXXX Cease and Desist ASAP Under 15 U.S. Code 1681s-2, the FCRA mandates that XXXX of information to credit reporting agencies ensure the maximum possible accuracy of the information they provide. The inaccurate information currently on my credit report is a violation of this statute. 

Moreover, I have already filed complaints regarding this matter with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ). These complaints highlight the non-compliance with XXXX XXXX standards and the resulting harm to my creditworthiness.
Product: Mortgage

Hello my name is XXXX XXXX this is a pretty intricate problem. What Im experiencing is I got an interest only Home equity line of credit in 2006 right before the first mortgage meltdown.. so Ive been paying interest only on {$100000.00} for the past almost 17 years! when I do the math Ive paid pnc back substantially more money than what I borrowed!! The institution in question is PNC Bank if you remember PNC Bank was national city Bank! PNC bought all of national city toxic assets all the. while I was paying interest only loan for the past 17 years and when I talked to pnc they refused to give me the bank statements going back to the inception of the loan nobody will help me, nobody wants to talk to me, they just want me to keep paying {$750.00} a month which none of it goes to principal as per the interest-only.. so my complaint is PNC has made roughly {$140000.00} over the maturity of this interest only loan and the only reason I havent stopped paying on it is because I dont want to ruin my XXXX credit score on the XXXX scale # XXXX, but I dont think I should be responsible for any more of this money because its been paid back already this is my complaint they refuse to send me the monthly statements since the inception of this interest only loan my name is XXXX XXXX my phone number is XXXX I need help as economy is tanking right before our eyes I dont think I should be responsible for any more of this money Ive been paying for the past 17 years to the tune of {$750.00} a month
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2022 I had spoke with my credit bureau and they explained that it was a hard inquire from XXXX XXXXXXXX on my credit report from XXXX. I contacted XXXX XXXXXXXX on XX/XX/2022 to resolve the issue and also explained that I do see the inquiry. They keep telling me theres nothing in they system but yet its on my credit report and its affecting me.
Product: Checking or savings account

On XX/XX/XXXX, I was scammed. I received an email saying he was going to be charged for a XXXX XXXX XXXX subscription. I followed the instructions to " undo '' the charges, the scammer accessed my Wells Fargo accounts. and transferred {$30000.00} from my savings and {$10000.00} off my credit card. I went within two hours to a Wells Fargo branch in XXXX, Nevada and told them I had been scammed and they needed to stop the transfer that was happening. The associate there told me not to worry because the transfer wouldn't go through until XX/XX/XXXX. But it did and I lost {$40000.00}! I have filed a police report and gone to the FB! already. I have spoken to multiple Wells Fargo employees who keep telling me the incident is being worked on but that the case is closed. It's been OVER A MONTH. I have been a Wells Fargo customer for 30 years. My family has had a terrible year. My brother died in XXXX and I inherited the {$30000.00} from him. My dog XXXX  away in XXXX. And my only son died in XXXX from XXXX at age XXXX. Now I am scammed out of my only inheritance. Something needs to be done immediately. I have emailed the Board of Directors at Wells Fargo as well as every executive and NO ONE has responded.
Product: Mortgage

I am writing to file a formal complaint against American Advisors Group regarding a reverse mortgage issued on a property that I am responsible for. Upon reviewing the loan documents received from the current loan holder, XXXX XXXX  XXXX, it has come to my attention that the property was incorrectly appraised as a single-family residence valued at {$720000.00}. In reality, the property has a 1973 mobile home that is NOT on a permanent foundation. 

The appraisal error has led to the misclassification of the property, as all of the loan documents and necessary HUD approvals refer to is as a single-family residence. This misclassification has rendered the property ineligible for the type of reverse mortgage that was issued. It is evident that the proper inspections and due diligence were not conducted during the loan application process, which has resulted in a fraudulent loan being issued. 

I only became aware of the reverse mortgage upon the passing of the borrower. The current loan holder, XXXX XXXX  XXXX, has informed me that I would need to take it up with the issuer, American Advisors Group. Despite numerous attempts to contact American Advisors Group, I have not received a satisfactory response or any attempt to rectify this situation. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against American Advisors Group for issuing a fraudulent loan. I also request that any actions to sell the property to repay the loan be halted until this matter is resolved. I have filed complaints with American Advisors Group and XXXX XXXX  XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

XX/XX/XXXX- paid remaining balance owed on rent to the XXXX XXXX XXXX   in XXXX Tn through a collection agency affiliated credit. XXXX XXXX was the person I spoke to about the account and paid the balance in full after 3 payments totaling XXXX. 
XX/XX/XXXX- received a wage garnishment judgement that was issued on XX/XX/XXXX and prepared by The law offices of Jennifer McCoy , this is my first notice that an attempt was being made to collect this debt. 
XX/XX/XXXX- wages were deposited into my account minus the judgement of XXXX. I had no opportunity to dispute this because of no notification. On this day I called the law office of Jennifer McCoy and spoke to XXXX, a very rude individual who offered no help. I was told that they couldnt help me. I then called XXXX XXXX at affiliated credit who verified that he showed a XXXX balance and would forward it the Attorneys office. He didnt. I. I called the XXXX XXXX XXXX and they provided proof to the attorneys office.I also requested a copy of the account information be sent to me, he didnt. I have called the attorneys office several times, the apartment complex several times and got varied information but not a refund. I was told by the attorneys office I would receive a check, gave my address after reminding her that she didnt have it because I have never received any mail from her, call back the following week and Im told they dont have any funds for me, they didnt receive any and I would have to call the county clerks office, still havent heard back from the clerks office either. The apartment complex told me I would receive a wire transfer but they dont have my bank information or address either.