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

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and nave a responsibility to report consumer information to the a best of there ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/year> ]. Please investigate and provide proof with statements Showing that these late payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX GEORGIA XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

In XXXX 2014, I unexpectedly lost my job and my wife was battling serious medical issues. We proactively contacted Citi mortgage and requested assistance with a home refinance or modification. The Citi representative informed us that we were not eligible for any home assistance because we had never missed a loan payment in ten years. The Citi representative told us the only way we could get assistance was to get behind in mortgage payments. In 2014, my credit score was XXXX. It took me ten months to secure out of state employment again and during that time we did fall behind on our home mortgage payments as we informed Citi would happen without assistance. We followed Citi 's advice and have been trying to get approved for a mortgage loan modification for almost two years. 
In XXXX, Citi wrote off the {$69000.00} second mortgage as bad debt because we were {$5000.00} behind in payments. We had been making some payments on the loan but stopped when a Citi representative told us it was n't necessary while the case was under review. We have been given inconsistent direction from Citi representatives throughout the entire process ( very frustrating ). I have been making payments on the first loan as best we could to show good faith, but have been waiting since XXXX for a decision on our loan modification request. 
We feel Citi is intentionally trying to foreclose on our home by preventing us from completing the loan modification process. We have provided them with all requested documentation numerous times only to be told something has n't been received or was n't completed properly. Each time we submit information, it takes several weeks to get a response and then they request us to submit the same information again. The current loan specialist assigned to our case is supposed to call weekly and has not called in the past two weeks. She has hung up on us during previous conversations when we press for explanations and does not respond to email requests for information. Trying to complete this loan modification process is causing XXXX and XXXX on us. We feel we have been unfairly treated by Citi, despite our good faith efforts to provide them with all required documentation. We are no closer to completing the loan modification after two years of effort. We want to keep our home but we need assistance immediately.
Product: Vehicle loan or lease

XXXX XXXX XXXX charged me {$4000.00} to put down on my vehicle XXXX of it was for insurance which I did not know the insurance came with the pandemic. I could not get my car repaired or do anything to it. Spoke to the Dealership and told him that no response no response from the insurance company either I reached out to both never got a response or any other information. I lost {$3000.00} which I dont have that amount of money to lose my car The camera was not working in the car. The cello told me he would fix it. I took it back up there. He said he had no idea, but I also have a witness which my son was with me and overheard the conversation he was sitting there with us.
Product: Checking or savings account

I received a grant from the XXXX on XX/XX/XXXX. The grant was for XXXX. The bank released XXXX but held the XXXX stating that I needed to prove my eligibility. I sent in the information and was told it was enough and that corporate security was placing the funds on hold. I went into the bank and sat down with XXXX explained my issue and withdrew the funds that I had available and asked that they sent the remaining funds back to the XXXX. Three months later I called and was told that the funds were returned to the XXXX. Called the XXXX and they have yet to receive them. Called back months later and got the same answer. Filed a complaint with the XXXX in XXXX of XXXX nothing was done. Continued to call the bank and they gave the same answer until XXXX of this year I was told that the fund was still on hold and that they were waiting for guidance from the XXXX to release the funds and I should receive a letter said XXXX the bank 's manager. It is now XXXX and I still haven't received a letter or my money.
Product: Mortgage

I paid off my loan and the mortgage company overcharged me by $XXXX. They charged me $XXXX   for recording fees in XXXX XXXX County. It should've been $XXXX only. Also they charge me for $XXXX for advance which they don't want to explain what is. On XX/XX/XXXX, I filed a complain and I called several times and they don't give an answer.
Product: Checking or savings account

I applied for a checking account on XX/XX/XXXX on Wells Fargo website. The promotion is {$250.00} bonus and I have fulfilled all the requirements. Today, 3 months later after multiple follow ups and XXXX certification, I still have n't able to track down the opening bonus. At the same time they start charging me $ XXXX monthly fees that should not even be due yet. Therefore I 'm seeking help from CFPB. I even have the application forms they sent me with {$250.00} promotion code clearly printed, which I will upload below.
Product: Credit reporting or other personal consumer reports

This account ; Creditor name XXXX  Account number XXXX Account status Collection Available XXXX XXXX Reported balance {$1900.00} Credit utilization XXXX  Date opened XX/XX/year> is being reported to my Transunion account XXXX and this is a fraudulent account. I did not open this loan, nor did I receive the proceeds of this account.
Product: Payday loan

The company is calling harassing me about a loan I know nothing about. They threatened to contact my job
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXXXXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication XXXX The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX  Date- XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX  XXXX XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card or prepaid card

Fraudulent charges on my Capital One Visa card, reported by phone to Capital One on XX/XX/2020 and followed up with them via US Mail as required ( copy attached ) on XX/XX/2020 : Fraudulent charges of {$100.00} & {$200.00}. Capital One issued new card and said they would handle the fraudulent charges. They did not. I contacted them in writing again on XX/XX/2020 and again on XX/XX/2020. They have not removed the charges and have not contacted me about me demands. They are completely ignoring me
Product: Mortgage

This complaint goes back to 2010 when Wells Fargo wrongfully denied me for a loan modification on my XXXX XXXX owned loan. I have spent the last 10 years seeking an explanation and resolution from Wells Fargo. At the time of the request for a loan modification I was paying my own escrow and I was only paying the principle and interest to Wells Fargo ( PI ). When Wells Fargo reviewed my application it used the current PI and compared the payment to a full PITI ( principal, interest, taxes and insurance ) payment. Wells Fargo clearly committed an error in denying me my application for a modification by stating that the proposed modified payment would be greater than the current payment. This statement is false and based on faulty numbers. As is evidenced by the attachments, Wells Fargo refuses to admit it committed an error. Wells Fargo has changed the reason ( s ) for denials for modification in every letter it has issued. WF wants to claim no harm no foul because I was able to eventually secure a refinance. However, that does not take away from the fact that Well Fargo 's numbers were wrong. It appears to be a flaw in Wells Fargo 's software utilized in reviewing a loan modification. Wells Fargo incorrectly relied on current payment, even if only PI to compare a modified payment which was PITI. This mistake could have far reaching ramifications in that thousands of borrowers could have lost their homes due to the use of incorrect numbers. On top of Wells Fargo 's mistake in utilizing incorrect numbers to determine PITI, it to date falsely claims that XXXX XXXX never approved me for a loan modification when in fact XXXX XXXX did approve me for a standard modification. I have had several conversations with XXXX XXXX directly where I was informed I was in fact approved and they even supplied me with the terms I was approved for. Wells Fargo claims XXXX XXXX was incorrect in stating I was approved and claims that XXXX XXXX used the wrong numbers ( numbers which they refuse to give me ). Now WF is claiming that XXXX XXXX never approved me. In typical fashion, WF changes its reason for denial as it sees fit not based on what actually occurred. WF is now stating it does not have the XXXX inputs it utilized in determining that I was denied yet WF is refusing to provide XXXX inputs claiming it doesn't have them which is false. WF has the numbers because it stated in a recent email what the proposed modified payment would be. Wells Fargo is lying.
Product: Debt collection

XXXX XXXX would not disclose who they were or who they represented. 
They claimed that a Capital One credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in XXXX, and ruin your XXXX credit! ''
Product: Credit reporting or other personal consumer reports

My personal information was stolen in 2024, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX ; XXXX XXXXXXXX XXXX : XXXX XXXX  XXXX : XXXX XXXX : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Student loan

I have a federal consolidation loan. My wife and I went through a chapter XXXX bankruptcy. We made the student loan payments as part of our monthly amount dictated by the federal trustee. We made 60 consecutive payments. However these payments do not count towards our 120 payments for PSLF program according to Fedloan. This is absurd. 60 straight monthly payments, directed by a federal Court, should absolutely count towards the 120 necessary for the PSLF program. 

This is criminal that they do not count. Please help me get the credit for payments that I deserve. 

Current interpretation amounts to financial double jeopardy.
Product: Credit reporting or other personal consumer reports

I looked up my report on XX/XX/2024, and contacted agency to noticed some things are incomplete and not accurate. 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 listed XXXX XXXX-XXXX XXXX XXXX XXXX Also according to 15 USC 1681s-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate. 

I looked back on my report XX/XX/2024 and contacted agency again, to noticed some things were still incorrect and inaccurate. According to 15 USC 1681i 5 the agencies are suppose to do these ( XXXX ) 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of consumer. 

A description of the investigation 15 USC 1681i ( 7 ) : ( 7 ) Description of the reinvestigation procedure a consumer reporting agency shall provide to consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later then 15 days after a request from the consumer for that description. 

Though, this did not happen...

Therefore, according to 15 USC 1681s-2 agency aren't supposed to furnish any information relating to consumer to any consumer agency if the person knows or has reason to believe that the information is inaccurate
Product: Mortgage

There is incorrect information regarding our tax payments for our escrow account. Money is being deducted from our account that is not applied to our tax balance. They have made late payments for county taxes after I submitted correct information 90 days prior to due date and it was still paid late and the late penalty assessed to me. When I call for updates, they say they are researching and waiting for my county to respond, but the county has responded to them and nothing has been done. They are being very difficult and charging all these fees against my account. I am concerned I will not be reimbursed for these unnecessary charges and am getting nowhere with customer service after several months of trying.
Product: Credit reporting or other personal consumer reports

I received a dispute result from Experian and the results didnt fix any errors. Ive disputed this account numerous times but cant get any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex spouse XXXX XXXX XXXX fraudulently used my name ( XXXX XXXX XXXX against the divorce decree order as a joint account holder for XXXX XXXX I have court docs to prove signed by a judge ... stating that I XXXX XXXX AM NOT LEGALLY RESPONSIBLE FOR PAYING THE MORTGAGE THAT INITIALLY STARTED WITH XXXX XXXX. AND THEN REFINANCED SEVERAL TIMES.. NOW THE EXISTING MORTGAGE HOLDER IS XXXX XXXX XXXX.. I HAVE THE COURT LEGAL DOCS TO STATE THAT IT'S HER FINANCIAL RESPONSIBILITY TO PAY THE MORTGAGE 100 %.. PLEASE IMMEDIATELY TAKE MY NAME OFF OF THIS MORTGAGE.. AND EXPUNGE THIS RECORD FROM CREDIT REPORT WITH XXXX AND TRANSUNION CREDIT XXXX THANK YOU!
Product: Money transfer, virtual currency, or money service

To whom it may concern : On XX/XX/2020 I went on CFPB and found that my case was closed. I Click the attachment and found a letter dated XX/XX/2020 conveying they would be granting my {$2500.00} from being scammed on XX/XX/2020. I never received the letter in the mail at my address that is correct in the letter. 

The Letter is in the attachment below. I reads to install a new XXXX XXXX  App Square the part saying open a new App. 
( Based on our review, it appears that you granted access to your Cash App account to an unrelated third party ; and in turn, this unrelated third party used the access you granted to remove funds from your Cash App account. Nevertheless, we have elected to grant you a credit for the amount lost. Our Customer Support team has prompted you to open a new Cash App account so that we can issue the credit. ) XXXX Since the scammed I only been having issue with the XXXX XXXX App. I have reinstalled the Cash App more than once before I went to CFPB and seen the letter and again on XX/XX/220 and respond to CASH OUT support email address on XX/XX/XXXX, and XXXX 2020. XXXX XXXX I received an email for XXXX XXXX  app talking it will take 60 or more days. I do not understand snice it was my {$2500.00} was granted a credit, I was to let them know I reinstalled the Cash App. So the scams started up again after I reinstalled the Cash App. After checking my email I get a Text from XXXX because of COVID19 Federal Government talking about call XXXX XXXX the have a direct deposit {$9.00} XXXX call them. I did and they stated with the same question as they did when I was scammed on XXXX XX/XX/2020, I said do you not going get me twice and they hung up and then they on XX/XX/XXXX I got a call from them and again this Morning XX/XX/2020 XXXX and she said she was from XXXX XXXX   App and she need to fix my App, the call is what awaken me so I said oh ok sure thinking it was the real XXXX XXXX App support and then she ask if I would go to the play store and down load screen share ( same thing they done on XXXX XXXX ) I said so are you going to fix or am I going to fix it and she hung up.