23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I have been trying to get a loan modification from Wells Fargo for years now we have made eight months of trial payments and have sent them numerous documents and they keep asking for the same documents all though we have sent them numerous times recently they mailed me a letter denying the loan modification but they will approve a short sale as you probably are aware Wells Fargo has been sued and fined numerous times for there fraudulent and illegal practices I dont understand why they denied the loan modification we have shown the ability to pay the mortgage and provided them with everything they asked for thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit card or prepaid card

Due to the covid-19 pandemic, I was stuck overseas from XX/XX/XXXX to XX/XX/XXXX. My XXXX XXXX XXXX Credit Card XXXX by Bank of America was closed due to long-term inactive. Since I was not able to reach any physical mail notification sent from Bank of America, I had no clue the card is closed till XXXX. I contacted Bank of America to figure out any solution to recover my credit card and the unused reward points on this card in XXXX and the initial agreement between me and the agent is that it is not possible to reopen my account but BofA will issue me the points value in money and send me a check. After a long period of time, there is no follow up from BofA until I create a claim in cfpb. BofA close my case on sided without contact me with any solution. We had conversation in XXXX after I submit my feedback but the latest response from BofA is that it will not reopen my account or give me money back for the losing reward points.
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. 

These Accounts include, ( XXXX XXXX partial account number # XXXX... 
balance of {$910.00}. 
Address ID : XXXX XXXX XXXX XXXX XXXX XXXX account number # XXXX Balance of {$200.00} accrued during XXXX. Paid off. Want removed. 

XXXX XXXX XXXX Partial Account Number # XXXX .... 
Balance of {$1900.00} Written Off. Balance Accumulated during XXXX Being incarcerated led to late payments and closure. 

XXXX XXXX XXXX  Partial Account Number # XXXX .... 
This account is scheduled to continue until the year XXXX. Listed as closed and never late payment although there is a balance of {$2200.00} Would like for all or some above to be removed to better ensure the privacy of my information and credit ) which has has violated my rights. 

15 U.S.C. 1681 Section 502 A mentions 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 an account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) Section mentions no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report by seven years or more.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate! 

My criminal report started with the legal system wrongly framing me for a charge I did not commit in the XXXX XXXX XXXX XXXX XXXX XXXX which put me in the system where I later was in fact in trouble due to living situations after first initial charge. I will attach the hard inquires that have impacted my privacy and Credit as well that I would like condensed to one inquiry or removed as a whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX to monitor my credit scores ; they reflect XXXX and Equifax. 
The information between these two Credit Bureaus is widely different. Even when they are reporting on the exact same accounts. 
I have filed disputes with both bureaus regarding two different " collection '' accounts. XXXX XXXX XXXX and XXXX XXXX are the supposed accounts that I owe money to. The disputes I filed have only been addressed to the Collection agencies, who have nothing to lose by claiming these accounts are delinquent. However, I am actively a customer of both XXXX XXXX XXXX and XXXX XXXX, so if the Credit Bureaus were to contact THEM, they would know I am not behind in any payments to these corporations. 
So XXXX dropped on of these accounts, while Equifax maintains I owe these funds. 
I received an email from XXXX XXXX that states my credit score went up 57 points! However, when I review my credit through them, no such increase is visible. And how can these agencies report such inconsistencies between the same lender, XXXX, XXXX XXXX? Nothing has changed since I started paying them and yet they show different payment amounts and/or different balance decreases. 
How are we supposed to know what is accurate and how can we hold these reporting agencies accountable for what they report?? It is like " little man '' kept down by THE MAN ... .it is ridiculous that these bureaus can dictate who can get a car, buy a house or not!! What can an individual consumer do to fight these inaccuracies? Seriously? 
My little letter to you, will it really make any difference that I am trying to understand how our information is gathered, collected, reported and monitored? I know I am not the only consumer to have such issues and I respectfully request some insight, if not interference with these credit agencies. Do they have all of your information correct?
Product: Mortgage

15 USC 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The creditor did not follow procedures according to 15 USC 1637 ( b ). 
Please remove late payments/change to paid as agreed.
Product: Checking or savings account

We had safety box in Chase Bank, XXXX, XXXX XXXX, CA. We closed the box, handed the keys to bank employee in XX/XX/year>. But we are still being charged for box rental {$70.00} per year. So far they deducted for XXXX  years and going to deduct for another year in XXXX. I reached XXXX customer support, XXXX local branch and also had online meeting with XXXX XXXX branch employee. Finally they are saying they couldnt find the returned keys or the sign card and so in the system it is still open. They are asking me to come to XXXX XXXX branch and schedule a drill and close the account. I already told them I already took all the items and Ive no issue if they drill by themselves without me being present as XXXX in Texas and cant travel to California XXXX XXXX as it cost lot of money. They suggested to give authorization to someone in XXXX XXXX so that they can schedule drill of safety box but I dont have anyone who can visit bank. Could you please help to refund my {$140.00} and so ask them to stop charging again. Please ask them to close the account. 

Box number XXXX
Product: Credit reporting or other personal consumer reports

See the attached XXXX XXXX & XXXX Notice concerning account number XXXX
Product: Credit card or prepaid card

I have a credit card with a Bank of America Gas reward, but even though I use this card a lot pumping my gas I don't receive adequate amount on my 3 % rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681a Definitions ; rules of construction XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of my rights. 15 U.S.C 1681a states that for an account to be furnished on my consumer report the furnisher must disclose to me that an account may be furnished on my consumer report and I must be given the opportunity to direct whether such information can be furnished. XXXX XXXX XXXX and XXXX XXXX XXXX has NOT given me the opportunity to direct such information, furthermore XXXX XXXX XXXX has not followed the correct eviction procedure on several occasions. XXXX XXXX Apts failed to provide me with an eviction notice or quit and leave notice, they also failed to completely evict me as only half of my belongings were moved to the curb from the third floor, the sheriff officer and movers stole small items as they allowed me to get a moving unit as a result my family and myself were XXXX after being told that coporate and the front office would be of assistance with adjusting rent payments due to going the entire winter with no heating unit and also large holes in the cabinets. As a landlord they are required to provide suitable living environments for their tenants to be in compliance with federal laws.
Product: Credit reporting or other personal consumer reports

Transunion credit file has XXXX XXXX XXXX as a collection and there is no balance owed to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. " ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies TRANSUNION and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TRANSUNION, XXXX, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX  XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TRANSUNION and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agent can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I purchased a prepaid card ending in XXXX for {$500.00}. It says it is active and that the balance is {$500.00}, but it gets declined anytime I try to use it. I can not reach the customer service number on the card, no one picks up. 

I need to be able to use this card!!
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act 15 UCS1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm requesting a deletion for the following charged off account listed below. XXXX XXXX XXXX XXXX XXXX After checking my most recent report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report. According to IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has refused also ignored my notices in the mail to verify the account that I have conditionally accepted with proof. XXXX XXXX refused to acknowledged my certified notice.. i have mailed, sent a cfpb Experian and XXXX complaint and they refuse to report accurate information on my consumer report.. XXXX XXXX  was removed from my XXXX and still remains to experian and XXXX. I also didnt recieve the 3 disclosures before furnishing negative report on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act Account # : XXXX, Account name : XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I have reeived 4 phone calls a day from this debt collector with the below # 's 2 this morning and the additional I have kept phone records of all incoming calls. They are all from the same company. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Called me and mispronounced my name after I advised her that it was mispronounced she then disclosed that I had a past due balance that needed to be paid disclosed the full amount advised on the payment required before she even verified she had the correct party no verification via XXXX XXXX or DOB. JUST NAME AND FULL Disclosure of debt owed and payment ammount needed.
Product: Money transfer, virtual currency, or money service

I am Writing to express my concerns regarding Zelles handling of disputes. Despite using Zelle numerous of times, when a discrepancy occurred zelle failed to investigate. They informed me that recovering funds is impossible. The CFPB findings indicated Zelle has neglected and did not protect customers from scams.
Product: Credit reporting or other personal consumer reports

I am distressed that TRANSUNON has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$18000.00} XXXX XXXX XXXXXX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX is now practicing fraud. they've been made aware and still continued their process. 

Dec- XXXX Spoke with Collections Manager XXXX XXXX He was made aware that the charge is invalid. I sent him copies of the emails indicating that this charge is invalid and not a true charge due to not processing the application. These emails came from the community directly. I also requested to speak with the XXXX XXXX attorney 's and nothing. I also requested the debt be validated with the company ( XXXX XXXX ) and nothing. I have the phone recordings. See the attached email string. This is false reporting on my credit report and illegal. I want this removed. 

Dec- XXXX Made rep aware that this is a fraud charge. I requested validation from the company and I also requested to speak wiht the attorney 's. I have email string and recordings for this as well. 

They are practicing fraud. XXXX definition of fraud is - Wrongful deception with the intent to gain personally or financially Intentional deception in order to persuade another person to part with something of value A person who pretends to be something or someone he is not
Product: Checking or savings account

Hello My name is XXXX XXXX. I have an account with US bank relaicard. on XX/XX/20 my debit card was blocked because of suspected fraud. They requested that I send in a government issued ID along with a front and back copy of my social security card, and a recent bank statement. I was told to include my card ID # XXXX on all documents sent. I faxed all of those documents to the fax number provided. I also uploaded those documents directly to reliacard via my US Ban k Reliacard app. I called to confirm if my information had been received, and it had. Fast forward to XX/XX/20, my card was unblocked and I thought all was well until XX/XX/20. My card has been locked AGAIN! I don't have any access to my money and this is the second time that this bank has done this to my account. I don't want to continue having these same problems with this bank. I feel helpless because I can't get through to speak to anyone. Also the wait times are ridiculous only to be hung up on after waiting on hold for over two hours.
Product: Mortgage

I applied for a Modification on or around XX/XX/XXXX. I received the application and returned all requested documents on XX/XX/XXXX. I called on XX/XX/XXXX and was advised all documents were received and that the file was in underwriting. I asked on that call for a complete application letter and advised that was something they no longer provided. I called back on XX/XX/XXXX to check the status and I once again assured all documents were received, the file was in underwriting and I should expect a decision in 30 days. I placed another call on XX/XX/XXXX and was once again assured that underwriting had everything they needed and just to be patient as they still were within the timeframe to decision my modification. I called once again on XX/XX/XXXX and the same message was relayed to me ; your file is complete and we are waiting on a decision from underwriting. On XX/XX/XXXX I received a XXXX  package that included a decline letter for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan number XXXX. I called XXXX XXXX XXXX  XXXX to advise them of this error only to be told my modification had also been decline due to an incomplete package received. The agent I spoke with confirmed from the company notes that my file was deemed complete and they had to issue a decline letter because they were shorthanded and a decision had to be made within the 30 day timeframe. Ive worked hard to buy this home, have raised my children here and have fallen on hard times and I do not want to lose my home. My request is that my review be reopened and given the proper opportunity for review.
Product: Vehicle loan or lease

I have not found a XXXX XXXX for Credit Acceptance nor XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requires the licensing and regulation of finance lenders and brokers making and brokering consumer and commercial loans, except as specified ; prohibits misrepresentations, fraudulent and deceptive acts in connection with making and brokering of loans ; and provides administrative, civil ( injunction and ancillary relief ) and criminal remedies for violations of the law. 

Only active license Credit Acceptance have is out of state non in California state as required by law.