23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To CFPB Team : I am currently facing a foreclosure situation with Wells Fargo. I am in the 4th year of a 5-year Chapter XXXX plan to save my house. I encountered XXXX hardships during my Chapter XXXX falling behind mortgage payments but continuing to make Chapter XXXX payments. Wells Fargo has been running me around the loan modification request and review process for over two years rejecting every request to capitalize my outstanding mortgage arrears and reducing my interest rate from 6.25 % to a market rate. Despite countless material violations of California Home Owner Bill of Rights, TILA and RESPA laws Wells Fargo has now filed a motion for Relief of Stay and hearing is scheduled for XXXX XXXX. My family and I would love to keep the house and resume mortgage payments but we cant get a fair representation with bank or owners of note ( Wells Fargo sold mortgage to XXXX in 2012 ). We are desperate for a solution as I am the only income earner in the house and take care of my wife, ederly mother-in-law and XXXX children. IS there anything the CFPB can do to intervene on our behalf to stop or delay the foreclosure process. We want to keep our house and resume making mortgage payments but Wells is only interested in foreclosure at this point despite numerous attempts to request home loan modification.
Product: Checking or savings account

This was happening back XXXX to XXXX when Bank of America was investigating the item. I have notified them and they would give me temporary credit and take it back. Ruin my business account and my daughter account. Then when they took the last bit of my account was a the heights of the pandemic closing everything no one could help when I called the bank. This resulted in my accounts being close with negative balance. Its says it black and white on my statement its Doesnt have my name on it {$1700.00}. I want my money back and my accounts cleared up. I have had no problems with this account I always had average XXXX monthly or more comin in.
Product: Credit reporting or other personal consumer reports

my credit report have about 25 inquires on my report on the same dates im not aware of whats going on someone stole my identity
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
Product: Credit card or prepaid card

I received an email at XXXX CT on XX/XX/XXXX that Citi decided to close one of my accounts, which did not give any additional information. After messaging the bank 's customer service on their app, I was told it was closed due to inactivity and that I had to call in. After navigating through a labyrinth of automated menu options, I was finally able to connect with a customer service representative who was very kind and understanding. Unfortunately the representative said that there was no automatic way to reinstate the account and that the bank had to submit a hard inquiry of my credit report and get a specialist to review the request, and that I would have to wait at least 7 business days to get a letter in the mail regarding the bank 's decision. There was no guarantee that I'd be approved - even though I've had the card for almost 7 years - but if I was the same tenure of the card would continue. I had to go through multiple channels to get help and did not get any assurance that I would get to keep a card that's integral on my credit report. I've never carried a balance or paid late, and have been a trustworthy customer for the bank, so this action makes no sense to me.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Date of Birth Names : XXXX XXXX XXXX, Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Phone numbers : No Data Supplied Employment Information : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires ; XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ). Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if 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. Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Chime has not been reporting my Credit Score to the Financial Bureaus. I have a long history of using chime a my primary bank account for about 3 years. and they have failed to create a credit score for me. 

Applied for the Chime Credit Card on XX/XX/2021 ( Email Print out Attached ) I am also attaching the documentation of the disputes filed with chime on this and they have replied with " everything is correct '' - which it is not. 

Because of this whole mess, I had to open up a new credit card with XXXX as an authorized user which costs {$350.00} annually. Hence I would like to get my credit score updated from by filing this disputed with XXXX, XXXX and XXXX. I also want Chime to cover the {$350.00} I had to spend to open this new account. 

Please find all the attached Credit Card statements that chime has not reported to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

These past couple months have been so frustrating dealing with these credit bureaus. I sent Trans Union a letter months ago, complaining about false information on my credit report. I need these accounts deleted or updated immediately. These are the items I demanding to be deleted immediately : 1. XXXX XXXX, XXXX ( Account # XXXX  ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % acurate. 

2.XXXX XXXX  XXXX XXXX Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
FDCPA section 807 Violation misleading false reporting 3. XXXX XXXX XXXX Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

Misleading false reporting, unverifiable and inaccurate reporting. This is a duplicate account which is a FCRA violation. 

4.XXXX ( Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification, this account is in violation, it was reported without valid evidence. 

5.XXXX XXXX  XXXX XXXX Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3400.00}.
Product: Credit card or prepaid card

Bureau of Consumer Financial Protection, ( b ) Act means the Equal Credit Opportunity Act ( Title VII of the Consumer Credit Protection Act )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am an Identity theft victim stated on my credit reports. My credit was stolen from several breaches. I am in lawsuits with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX data breach. I have been disputing my credit reports for three years now. I am trying to rebuild my credit from the {$18000.00}. GOVERNMENT COVID-19 benefits stolen from me ( UC.PA.GOV told me my Pandemic benefits stolen and did nothing ). I used my savings of $ XXXXduring Pandemic to survive. I XXXX XXXX XXXXXXXX XXXX XXXX keep getting denied credit. My credit reports are inaccurate & I am still disputing them. I need my rights to have credit like all Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Cyle Finance Inc, did not give me an initial nor annual notice nor disclosure that I had a right to opt out of them reporting my credit transaction which is personal information.

I no longer give American Cycle Finance Inc, consent to furnish my late payments with any credit reporting agencies or any other nonaffiliated third parties.

The Gramm-Leach-Bliley-Act states I have a right to not have my non public personal information shared especially resulting from transactions such as Payment history pursuant to 15 U.S.C 6809 ( 4 ) ( A ).

American Cycle Finance Inc is also in violation of the Privacy act of 1974 by reporting my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday XX/XX/2022 I mailed a 609 letter requesting an incorrect account be removed from my report. On XX/XX/2022 I mailed a 30 day demand to comply. I did not receive any results until today XX/XX/2022. Clearly past the 30 day limit. I kindly ask that the incorrect account be removed
Product: Credit card or prepaid card

This is my 2nd CFPB complaint for the very same problem. 
My prior complaint XXXX was closed with a promise of a full resolution by the company representative XXXX with Ref XXXX. 
The request has just gone to dust and Google still doesn't respond to any of my email. 

Description of the problem : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have purchased Google XXXX  Gift cards worth {$2000.00} from XXXX XXXX in XX/XX/XXXX with an intention of buying Google Devices from the XXXX website. I called the Google XXXX Customer service and they informed us that I can not use XXXX XXXX credit to buy hardware. However, it was in the same call, the rep informed me that she could redeem all the cards on behalf of us and they would try to request for a refund or keep the funds in our account. I told the customer service rep that we would give the card details only if she can assure a refund and the rep was very optimistic and made us believe that she can get the refund for us. If I were informed of any possible problem, I could have avoided disclosing the gift card details and we could have kept all the cards with our self. So, right after we gave the gift card information, they have limited my access to our account " XXXX '' and all these days, I have been communicating with them and doing frequent follow-ups about the status of the gift cards. Every time I call the XXXX customer service, they would point me to the Google wallet team who blocked my account. So my calls get transferred to the Google Wallet and they would come back asking me to upload verification documents and someone would follow-up with me. Since XX/XX/XXXX, I have uploaded the requested verification documents numerous times and have called them more than 50 times and every time I call in, my call gets transferred to numerous departments talking more than an hour with no outcome. More than 50 emails were exchanged between me and Google  XXXX, Google Wallet and Google Commerce requesting for reinstating my account so that the Google XXXX could refund my money. For over 15 months until XX/XX/XXXX, all I was being told is my Google Wallet account has been closed and Google XXXX being linked internally to Google Wallet, I can not use my Google XXXX funds. I don't really care for the Google wallet and all I requested was to refund my money. I am tired of contacting them again and again and I have wasted so much of my time in my life. The last time I have contacted them XX/XX/XXXX and since then I completely stopped contacting them as I became very busy with my school work. At my work place I was advised to contact CFPB and then try to reach small claims. Today I am contacting CFPB to hope I would get some reprieve in getting my blocked funds back. I would appreciate all your help in this regard. 

Thanks, XXXX
Product: Mortgage

Was contacted by the XXXX XXXX or what we thought was Ocwen. We were instructed to send XXXX XXXX XXXX  for our modified payments. We were obviously frauded, now a Ocwen wants {$3000.00} before XX/XX/XXXX or foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted on Thursday, XX/XX/XXXX, to remove EXPERIAN credit freeze from both my wife 's account and mine to purchase vehicle. Remove was supposed to go from that day to noon, XX/XX/XXXX. After almost two hours online during which Experian 's computers kept combining my credit report with my wife 's, were able to finally, by pure luck, to speak with a human being after calling seven different numbers. The person went through a complete redo of my account and recheck of my wife 's information. He then said both accounts were unfrozen as requested and that he would sent me a confirmation number. Instead, the confirmation number for me was sent to my wife 's email address as was another confirmation number for her. All I received was an ad for some paid Experian service. 

At the dealer on Friday, XXXX XXXX through which the dealer was financing, reported that my account was unfrozen BUT MY WIFE 'S WAS NOT and as always, we had no recourse except to send something to Experian by regular mail. This necessitated another hour at the dealership as all the paperwork was redone to reflect only me as the purchaser. This is not the first time we have had similar issues with Experian. We do not use major credit that often, but henceforth, if we encounter a business that requires a report from Experian, we will refuse to purchase. We are sick of their incompetence and buck-passing. 

Please note we have never had any such issue with XXXX or XXXX.
Product: Debt collection

I have submitted Request for Verification of this debt via Certified Mail Return Receipt, which was signed by XXXX XXXX on XXXX/XXXX/2016, I have not received any correspondence from as of this date, I do not recognize this debt and am trying to fix errors on my credit report.
Product: Bank account or service

Hi, I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue.
Product: Debt collection

We have a collection on our credit reports that is from a rental agency that we've never lived at and we never have broken a lease for that much money to begin with. The company refuses to remove the collection from our credit report though.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These names, addresses, and employment do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Consumer Loan

My car was repossessed in XXXX 2016. When I called Ally to find out how much it would cost to have the car returned to me, I was told that it would cost {$1500.00}, and specifically told that this included the XXXX payment, and applied as follows : XXXX thru XXXX payment - $ XXXX XXXX payment 377.81+ Late fee XXXX {$1500.00}. Ally now says that I 'm late on my XXXX payment because they applied {$400.00} to the Redemption Center. I 'm complaining because it was never disclosed to me about the Redemption Center fee, and because I did not follow the instructions to have the money wired to them, but rather mailed a cashier 's check instead to the usual payment location, instead of to the Redemption Center.
Product: Debt collection

Dynamics Recovery Solutions calls me with a debt claiming to be XXXX XXXX XXXX in which I never heard of or no of. My next issue when they call they ask me did I want to settle the debt with a credit card number. The person on the phone could not provide me with no notice in the mail nor have they mailed me nothing. When I ask them can they provide a contract and who sign the said they did not have one. After that I told them that I was filing a complaint with the US Attorney office of consumer complaints and the CFPB. I called back 15 minutes later they claim it belong to some one else over the phone. Then call me back trying to explain there mistake.
Product: Debt collection

Starting on XX/XX/year>, I began receiving text messages from TrueAccord in an effort to collect a debt which was not mine. These text messages continued until XX/XX/year>. 

A link was sent to set up a payment plan in that text message. 

The debt belonged to a complete stranger, but I could see their full name, account number, creditor, email address, zip code, default date, outstanding balance and more, all from a complete stranger. 

TrueAccord has the following licenses : California -- license number XXXXXXXX XXXX XXXX XXXX  XXXX license number XXXXXXXX North Carolina -- license number XXXX Tennessee  -- license number not listed, but states " TrueAccord Corp is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance . '' Colorado -- license number not listed, but has an office address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Colorado XXXX Overall, I found it very surprising that there was no authentication required of me to see the information of this stranger, nor was there any indication that the message wasn't meant for me in the original text message. Normally I would expect to have to enter my D.O.B. or the last four numbers of my social security in order to access that kind of information. I expected to be required to verify who I was prior to just being handed a strangers information. 

I am making this complaint in the effort to start an investigation into this company, TrueAccord, and their practices, to protect other consumers from potentially having sensitive information just sent out to random strangers. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Equifax, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had this {$100.00} removed and they add it like a new collection. I havent lived in Illinois for 20 years from XXXX XXXX XXXX This could be a 20 year old medical bill of {$100.00} has it removed and they put it back on