23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXXXXXX  I report to fraudulant charges for {$23.00} and {$24.00} that were made on my account to an out of country XXXX ( XXXX ) account. My debot card was cancelled and I was sent a new one and those charges were reversed by XXXX on XX/XX/XXXX and an investigation was opened. On XX/XX/XXXXXXXX  XXXX reversed their decision and charge me the {$23.00} and {$24.00} stating they found no fraud. I called XXXX on XX/XX/XXXXXXXX  to dispute the charges. They told me that they denied the claim because I had past transactions with the merchant that had gone undisputed. I asked for the exact dates of these alledged charges and they could not provide them and I was unable to find them in my transaction history myself. They allegedly reopened the investigation because they could not explain the denial, but on XX/XX/XXXXXXXX  recieved a letter stating it was still denied. I called XXXX again on XX/XX/XXXXXXXX  and asked for further explaination. I spent an hour on the hold while the customer service representative went back and forth with his supervisor to " get an explaination '' for the denial. At first he said I was denied because of past transactions with the same merchant but could not give me dates of these transations. After another 40 minutes on hold he came back and said it was denied becuase " the transaction was made from a device I had used before ''. This is because my card number was stolen from a fake website that I thought was legitimate, but was not. I reported it minutes after is happened and it was clear that the charges were foreign as they had foreign exchange rates attached them. I asked XXXX to send me the detailed investigation documents and they representive on the phone kept saying " The letter was already sent to you ''. I explained that I do not want the letter saying I am denied, but I wanted to investigation paperwork. He kept saying it was sent, and I have not received anything of the sort nor is their reasonly for denying my claim reasonable. I am asking the CFPB investigate this situation seeing that XXXX is unable to give an adquate explanation for their denial of my claim nor are they providing me with any doucmentation with details. I can be contacted by phone at XXXX or my email at XXXX. Thank you in advance for your assisitance in this matter
Product: Credit card

Around XX/XX/2015, I called American Vacation to book a vacation Package. After I gave them my information, they called me back within 5 minutes, saying they can not charge to my credit card, advice me to call customer service for my credit card company. At that point my instinct told me these people are desperate, I should not do this. 
So I called credit card company to thanks him for looking out for me. told him I change my mind about this transaction, please do not let them charge me {$400.00} to my card. I called back American Vacation and told them I change my mind about this purchase. They said no problem. 
A couple of day later, I saw a charge on my activity list on the credit card web site. I called the credit card company again and asking why you guys let this charge go through.They charge with different name or their sister company but the the same amount of {$400.00} that I called you to put a block on. But he said I could dispute that and we could resolve it later. 

Later, I talked to customer service specialist on the phone a few times. He send me some copy from XXXX XXXX claiming that I did sign an agreement electronically. that was a lie. I did n't sign anything. On that paper, they had my last name wrong. they even sign my name wrong. I wrote to the customer service XXXX that handle my case. He said sorry he decided that it is all valid. I disputed again another customer service specialist looked over again and she agree with the first one. 
I later found out that that travel company is form out side of United State. I could n't even find it on internet. They must do this kind of stuff all the time. BUT the credit card company is support to protect their customer. '' My credit card not yet been charge. I called to block it. They still let it go through. '' And later on even with wrong name and wrong signature, they still decided it was valid. I pay {$95.00} a year for this credit card service for what? So they could XXXX me? I paid the balance and now I closed the account but I still want this issue to be resolve. 
I have some more document that I could summit. They are in paper copy. I could mail or fax it to you.
Product: Debt collection

I filed for Chapter XXXX Bankruptcy in XX/XX/2018. Capital One credit card was included in my petition. In spite of the Automatic Stay, Capital One is continuing to collect this debt : On my XXXX  credit file and XXXX, Capital One has reported this account as 90 days late, 120 days late, and a few days ago 150 days late! Additionally, Capital One is adding interest to the amount of the original petitioned debt. 
The reported Current Status is : " delinquent, at least 120 days or more than four payments past due, '' and ( 2 ) Description Remarks : " {$270.00}, 150 days past due. '' I have now disputed this account TWICE with XXXX, but Capital One keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362. 

I am requesting that Capital One update the account language and descriptors on my XXXX  file to read : " paid as agreed '' or " unrated '' AND " Chapter XXXX Bankruptcy. '' Thank you.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( f ) and XXXX XXXX ( g ) in this alleged matter. XXXX ) What is your authorization of law for your collection of information? XXXX ) What is your authorization of law for your collection of this alleged debt? XXXX ) Please evidence your authorization to do business or operate in the state. XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in XXXX XXXX and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I had a credit card stolen by a family member who was not an authorized user. Police report filed. XXXX agreed to cancel balance as fraud. However they reported it to credit agencies as XXXX. When I disputed, XXXX and XXXX removed the chargeoff but Experian not only kept it, but is now updating it every month as a chargeoff so it will never hit the 7 year roll off. 

XXXX told me the balance would be dropped, no problem, as is law.
Product: Mortgage

Due to Covid 19 closures, we had to take a forbearance on our loan. Under the CARES Act, we used the forbearance program to make sure we could get through these hard financial times. I have repeatedly asked to get a loan modification and have followed all of the required items. I submitted the paperwork and all items for the loan modification on XX/XX/2020. I have called every few weeks or more to find out the status of the modification with no success. Every time I call the loan servicer they tell me to wait or they will get a manager involved. It has been over 5 months with no success and now they are sending me collection notices due to non-payment. The program requires no payment until the modification has been put through. I fear that they will try to collect all back payments instead of adding them to the loan. We have a high-interest rate and have asked to modify the loan so as to have a more reasonable payment. Our income has been reduced and we need help to keep our home.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Louisiana, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Report Entry XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the inaccurate and erroneous reporting of an account from XXXX XXXX XXXX on my credit report. This account is being falsely reported as a charge-off and collection account, which is completely inaccurate, misleading, and unverifiable under the Fair Credit Reporting Act ( FCRA ). 

The details of the erroneous account are as follows : Creditor Name : XXXX XXXX XXXX Account Status : Charged Off / Collection Balance Reported : {$34000.00} Remarks : Charged-off account, auto loan, first payment never received This account is incorrect and should be removed immediately for the following reasons : 1. Inaccurate Balance & Status The reported balance and past-due amounts are inconsistent and unverifiable. I demand strict validation of the exact amount owed, including all supporting documents. If XXXX XXXX XXXX can not verify this, the account must be removed. 
2. Failure to Notify I was never properly notified regarding this alleged charge-off, which is a direct violation of my rights under the FCRA.

3. Unlawful Reporting of First Payment Issue The remarks claim that the first payment was never received, which suggests an issue with the lender, not my responsibility. Reporting this as a charge-off is unfair and misleading. 
4. Fair Credit Reporting Act ( FCRA ) Violation As per 15 U.S.C. 1681, all reported information must be 100 % accurate, verifiable, and timely. If the credit bureaus fail to validate this account with complete documentation, including original creditor agreements, payment history, and legal proof of charge-off, this entry must be deleted immediately. 

I demand that this account be fully investigated and removed from my credit report within 30 days as required by law. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for willful non-compliance with federal laws. 

Please respond in writing to confirm that this account has been removed or provide legal proof of its validity. If no response is received within the legally required time frame, I will assume that the account is unverifiable and must be permanently deleted. 

I have attached a copy of my drivers license, social security card, and a recent for identification purposes. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX XXXXXXXX, account number XXXX XXXX : XXXX XXXX XXXX XXXX, account number XXXX TransUnion : XXXX XXXX XXXX, account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIBANK is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so CITIBANK has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY citibank representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet citibank makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY CITIBANK, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN MOTHER XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,
Product: Credit card or prepaid card

On XX/XX/XXXX, a gentlemen offered to pay XXXX off my Wells Fargo credit card for I can be approved for a loan. Using the credit card information I gave him, he use Wells Fargo check by phone system to make the payment. 
He instructed me to pay him back the next day by gift cards. Wells Fargo credited the amount to my credit card and I completed the task using the credit card. He attemped it again for XXXX on XX/XX/XXXX, but the bank froze the payment. Both payments bounced. 
I contacted Wells Fargo to explain what happened and they kept ignoring the fact that they credited me a bad check for I could make the purchases. 
There was no grace time, my account was credited within hours of receiving the payment. They check purchases, but not the payment. All my other payments was transfered from my Wells Fargo checking account. I spoke to someone and she said there was no safety protocols to prevent fake payments.
Product: Mortgage

I am a veteran of the United States XXXX and have a mortgage with Home Point financial that is backed by the VA. I now work in the XXXX industry in Florida as a XXXX. When the shut down happened my industry and my job were furloughed. As a result I had no income for 2 months and am just now getting back to work at limited capacity which has negatively affected my income. I heard about the forbearance under the CARES act and contacted my lender on XX/XX/2020 to ask for the assistance. I spoke to XXXX XXXX and was advised that I did not qualify because I was already in foreclosure due to my divorce. I was told I would have to submit a loan modification package for review. I explained I have no income and do not know when it will return. I was told to send the package. On XX/XX/2020 I read this clause in the CARES act : The CARES Act directs that servicers of Federally backed mortgage loans grant the forbearance upon a borrowers affirmation of hardship caused by COVID-19 without additional documentation, fees, penalties or interest for up to 180 days. This initial period may be extended for another 180 days upon the borrowers request. The grant of forbearance is not discretionary. 
I then explained that I did not have to submit additional documentation and they did not have discretion to reject me. XXXX ID XXXX refused and said I would have to apply for a modification. I then came here for help as I feel my lender is not being fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to Experian, XXXX and XXXX.
Product: Mortgage

I applied for a home cash-out refinance through Citibank on XXXX XXXX, 2015. I called into the mortgage department and spoke to XXXX XXXX XXXX # XXXX and was immediately given a quote based on my credit score. I told the representative that the reason for my refinance was to save money ( as our current interest has been 8 % ) and to pay off approximately {$50.00} k of student loan debt. I was pleased with the interest rate quoted and wanted to proceed with the process I was afraid that the loan would not go through based on my median credit score of XXXX and asked for a guarantee which he did approve of. He said he was more than certain that I would be able to get a 4.125 % interest rate based on my score, and when he officially ran my credit, the rate and terms remained the same. He said that he needed a processing fee to initiate the process, I told him that I was afraid that I would n't get approved and he reassured me that he would return the fee if it did n't. Therefore, I paid the {$520.00} application and appraisal charge and everything seemed to go just well. Until, I was n't contacted by XXXX anymore. Interestingly, my loan processor was abruptly changed from XXXX lady to another and I kept receiving calls during my work time ( which I had indicated was not a good contact time ) eventually I spoke to a new loan processor and she informed me that the loan was denied based on my credit score. I received a new credit score of XXXX and to this date I have not heard back from XXXX. During this time, I allowed my student loans to go unpaid certain over the process of all the refinance going through. During this time my credit took a XXXX XXXX point drop ( due to my delinquencies ) and they denied me. I looked today online and it still says in process. I have tried various times to come into contact with XXXX and I have not received a call from him. The problem now is that my credit score has been negatively affected and I am in a worse situation than before and no one will help me. I was deceived and left cold turkey. I would like them to either go through with the refinance or take responsibility for the balanced currently late of my student loans ( as I was guaranteed it would go through ).
Product: Credit reporting

I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of the collection accounts, which have no company name listed and no information has been provided. Here are the accounts : XXXX {$130.00} XXXX {$110.00} XXXX {$180.00} XXXX {$120.00} They always say they verified information and do not ... Please VALIDATE this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.
Product: Debt collection

1. I've reached out and requested proof of this debt and can only be provided statements. Statements only show that the credit card was used and do not validated that the credit card belonged to me 2. This debt show on my credit for all 3 credit bureaus ( XXXX, XXXX XXXX, and XXXX ) as being " closed by the consumer ''. This is not correct seeing that I am currently disputing this debt. This also validates the inaccuracy of this debt. The company is wrongfully threatening me with legal action. 
3. As a NY resident, I'd like to call attention to the fact that the statute of limitation for collecting such debt is 3 years. The company has not been able to provide proof of when this debt was sent to collections nor is the information being reported to credit bureaus correctly.
Product: Payday loan, title loan, or personal loan

PROSPER IS REPORTING LATE PAYMENTS TO THE XXXX CREDIT BUREAU WHICH IS NOT CORRECT SINCE ALL PAYMENTS MADE TO THAT COMPANY HAVE BEEN MADE ON TIME AS AGREED DUE TO THESE NEGATIVE REPORTS, MY CREDITORS HAVE LOWERED THE CREDIT LIMITS, WHICH IS ALREADY A DIRECT AFFECT ON MY INTERESTS, SO I HOLD PROSPER RESPONSIBLE FOR THE CIVIL DAMAGES CAUSED TO MY PERSON IN PARTICULAR
Product: Credit reporting, credit repair services, or other personal consumer reports

I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX Chase Card- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX