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

Thank you for once again responding with the same canned and deficient response complaint. You can contact me formally through email or address that was provided repeatedly. I will not however placate Wells Fargo with their canned phone messaging just so they can check their box for compliance auditing purposes. I'm happy to continue to use this form to communicate Wells Fargo 's continued predatory lending atrocities. I've clearly stated my terms of formal communication within my resolution statement, should you care to read it. I'll also break down the bone of contention for the cheap seats way up in the rafters. The so called 'Modification '' that Wells Fargo proposed was the same predatory XXXX loan that was outlawed by our judicial system steaming from the class action suit, which is why part of your multi-million settlement agreement was to review your Customers XXXXt loans and modify them so that they were no longer toxic and detrimental. In my case specifically Wells Fargo used the same XXXXy adjustable rate terms and agreements, removed interest only payment options and slapped all the payment owed to date onto the back of the loan. Essentially all you did is remove interest only payment options and called it a modified loan. No real help other than to pony up XXXX and try it again. As the saying goes XXXX me once shame on you XXXX me twice shame on me. I suggest you take real good look at what presented as keep your home modification and compare it to other step-down modifications from other premier lenders and then ask yourself did we really handle this in the best interests of all ... Let me help you, the answer is not even close. Your failed me, you failed millions of others I'm sure and most of all you've failed the brand name of Wells Fargo. I look forward to our next go-around : )
Product: Credit card

Capital One will not allow me to convert my rewards points out of their system. This has been going on for multiple weeks at this point and their is no resolution. I have spoken to multiple representatives with no help.
Product: Payday loan

The purpose of this complaint is based on a rejected loan application to the following : THE CASH STORE - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Application was completed in person on XXXX XXXX XXXX at XXXX and was rejected. 
Previous application was submitted on XXXX XXXX XXXX and was rejected. 

Demographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX.
Product: Checking or savings account

Navy Federal Credit Union automatically robbed me of {$800.00} I deposited to my account without my consent, my knowledge, without any communication or authorization by me stating that it was ok for them to pull money out of my savings account. I had not idea that they would automatically go into my savings account and withdraw 3 consecutive withdrawals of {$200.00} and 1 withdrawal of {$170.00} of my hard earned money and my only means of living. That {$800.00} was all I had to survive on and I made no payment arrangements, authorizations, or consent for them to take and automatically withdraw that amount. I did not make any payment arrangements for them to withdraw money from my account without my express written or verbal consent, or knowledge. I didnt not state it was ok for them to take and withdraw those 4 specific amounts from my savings account automatically without my knowledge, authorization or consent. I did not make any payment arrangements for them to withdraw or take money from my account, or automatically withdraw from my account without my knowledge or authorization. Had I known Navy Federal was going to automatically take money from my account I would not have made a deposit to my savings account or trusted that my money would be safe in their bank. I had not made any authorizations or payment arrangements consenting Navy Federal to automatically withdraw and take from my savings account. I would like my money back that they automatically withdrew, robbed, and stole from me without my consent, knowledge, or authorization that they could withdraw or take my {$800.00} dollars that I worked really hard for and that is all I have to survive and live off of.
Product: Other financial service

We had a major flood. Insurance check made payable to us and OCWEN ( first mortgage holder ). They have money and told us to have an inspection when we are 35 % done. We did this. They received the inspection report in early XXXX. Ever since we have gotten a run around. Six weeks later the check still has not been sent to us. Our workers have threatened to stop work.
Product: Credit reporting or other personal consumer reports

I have diligently followed the established dispute process, providing irrefutable evidence of the fraudulent nature of these items, including police reports, affidavits, and any other relevant documents. Regrettably, these fraudulent entries remain on my credit report, exacerbating the negative impact on my creditworthiness.

I wish to emphasize the urgency and severity of this matter, and I express the following concerns : The presence of these persistent fraudulent items not only continues to harm my credit score but also raises serious concerns about the security of my personal information. It is imperative that immediate action is taken to rectify this situation and prevent further damage.

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies promptly investigate and correct inaccurate or fraudulent information. The prolonged existence of these fraudulent entries on my credit report is a direct violation of this legal requirement.

Despite my previous attempts to resolve this issue, the lack of resolution is unacceptable. I am left with no choice but to escalate this complaint to higher authorities and legal channels if this matter is not promptly and satisfactorily addressed.

I insist on your immediate attention to this serious matter and a swift resolution to remove the persistent fraudulent items from my credit report. I demand detailed information on the steps being taken to investigate and correct this issue.

I expect a written response within 15 days, as the urgency of this matter necessitates a more expedited resolution. This response should outline the results of your investigation and the concrete actions taken to rectify the persistent fraudulent entries. Failure to address this issue within the specified timeframe will leave me with no alternative but to pursue legal remedies aggressively. I am asking for your assistance to remove these fraudulent items in my credit file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a number of times to resolve this issue with the creditor XXXX to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months of XX/XX/XXXX - XX/XX/XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the National Student Loan Data System there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the NSLDS documents show that I entered repayment XX/XX/XXXX and forbearance the very next month XX/XX/XXXX where my account status remained until XX/XX/XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from XXXX 's website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 XXXX has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the  information is, in fact, inaccurate. the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

I have tried for several months to get this resolved. 
You closed the case without any comment from me. 
I called and emailed Roundpoint again today. They said payments are not recevod on time. 
My bank shows Roundpoint receivng on or before the XXXX. of the month. 
They said my XXXX payment was not received till the XXXX. Bank shows the XXXX. 
Then my call was disconnected and they did not call back. 
I have tried again. 

XXXX Case #
Product: Credit reporting or other personal consumer reports

Formal Demand for Reinvestigation of Accounts Non-Compliance with FCRA** Dear XXXX, I am writing to formally address my concerns regarding the investigation of disputed accounts on my credit report. After careful review, it is clear that the investigation conducted was not performed in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 ( a ) [ 15 U.S.C. 1681i ] and 623 ( b ) [ 15 U.S.C. 1681s-2 ( b ) ]. Under FCRA 611 ( a ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days and notify the consumer of the results. Additionally, 623 ( b ) mandates that furnishers of information must investigate disputes forwarded by credit reporting agencies and report accurate findings. Based on the evidence I have gathered, these requirements were not met in my case. Failure to adhere to these legal obligations undermines the accuracy and integrity of my credit report and constitutes a violation of federal law. If this matter is not addressed promptly, I will have no choice but to pursue legal action to protect my rights as outlined under the FCRA. I demand that XXXX : 1. Conduct a thorough reinvestigation of the disputed accounts in compliance with the FCRA. 2. Provide a detailed explanation of the investigation process and the outcome. 3. Correct or delete any inaccurate or unverifiable information. If XXXX fails to take corrective action within 15 days of receiving this letter, I will proceed with filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue litigation to seek damages for the harm caused by these violations. I trust that XXXX will treat this matter with the seriousness it deserves and act in good faith to resolve this issue. Please confirm receipt of this letter and provide a response by specific date, e.g., 15 days from the date of this letter XXXX Sincerely, XXXX XXXX ] **Enclosures : ** - Copies of prior correspondence - Relevant documentation supporting the dispute- Copy of your credit report with disputed items highlighted the accounts are listed below. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am encountering difficulty with OneWest Bank, a division of CIT Bank, N.A. <P/>My mother XXXX XX/XX/XXXX of this year leaving the proceeds of an IRA to be divided amongst three beneficiaries. One of the three was already XXXX, the bank was given proof of this along with mother 's XXXX certificate. <P/>As my wife and I have been retired for some years now, my desire was to have OneWest Bank cut a check and mail it to me in Montana. OneWest Bank insists that in order for me to receive this inheritance I must open an IRA with them so that they might transfer the funds to that account in order to close that account ( a {$25.00} fee ) to send me a check. This being their policy. This strikes me as being both circuitous AND superfluous. <P/>What can be done to facilitate matters in this situation, getting them to simply send the specified amount?
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.
Product: Debt collection

Diversified Consultants, inc ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX  Phone # : ( XXXX ) XXXX They reported a derogatory remarks to the credit bureau and damaged my 10 yrs clean credit records based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication. I am traveling at this moment outside the USA. Without any telephone communication and just and based on the failed communications and one mail ( I never received ), they reported a derogatory remarks to my credit score. This debt collection agency did not try to reach out to me in enough means, not even try to have a successful phone conversations before damaging my credit history. I would like to pay off the balance ( {$60.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. Thanks, XXXX XXXX
Product: Debt collection

The company keeps calling and leaving voicemails even though I blocked the number they called from. This is done at least 3 times a week.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Item was purchased. Requested seller to cancel, they did not. Package was refused and delivered back to merchant. Opened a dispute. Merchant provided half of the tracking, saying that the item was delivered, but not the other half where it was returned to the merchant. No one from CitiBank actually bothered to look at the tracking number from XXXX website the entire despite, and appeal, even though I suggested to multiple times. After calling Citi to appeal, they said send a letter via FAX and/or e-mail, which I did both. Never heard a response, and they said they never received it. Proof and all documentation on my end were included. 

XX/XX/2020 XXXX XXXX XXXX Tried resolving with the merchant but they do not respond.
Product: Money transfer, virtual currency, or money service

In XX/XX/2018 I sent {$800.00} through XXXX to an owner of a beach house for XXXX XXXX weekend. XXXX was affiliated with my bank that Ive been with for over a decade, Bank of America. I honestly never even thought twice about it because I trusted my bank. Ive always had a great relationship with them, and always felt safe. Today- XX/XX/18, I drove hours away with my XXXX small daughters, showed up in XXXX XXXX, SC to a real house, which was occupied, and after speaking to the current guests realized I had been scammed. I even called the real owners of the property and they said this guy had done this before, stolen pictures and rented their house. He covered a his bases as a true scam artist. I sat on the beach for HOURS on the phone with Bank of America and they said there was absolutely nothing they could do. It was extremely devastating and difficult to see my XXXX girls so upset that we had no place to stay. The {$800.00} hurt us to lose. Every penny is accounted for as I am in XXXX XXXX, living on loans, and not working as school doesnt allow it. Bank of American definitely disappointed me. If youre going to affiliate with XXXX, please be willing to help out customers who have been loyal and not abused the system! We are struggling with the loss of trust, our last vacation of the year, and feelings of hurt. All we want is a refund. I have the emails, the link to the listing, and even a receipt this guy gave me. Im not making this up! We are so devastated. We just want a tiny piece of mind back after being essentially screwed over. Please help us. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have follow-up with BMW Financial Service and consumer reporting agencies ( XXXX, XXXX XXXX and XXXX and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late. 

This letter is a formal complaint that BMW Financial Service gave inaccurate and incomplete credit information as reported for my account with XXXX XXXX as CREDIT BUREAU reporting agency. 

Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period. 

This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated BMW account : Name of company that reported the late item ( BMW FINANCIAL SERVICES ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT XXXX PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ). 

When BMW FINANCIAL Services as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their account.
Product: Payday loan, title loan, or personal loan

Good day. 

Since XX/XX/2021, I have not been able to receive statements. I used to sign in online and despite conversations with the lender directly to understand why the statements stopped populating while I have made on-time payments struck me as unusual. 
No resolution has come from me trying to resolve this with Foundation Finance directly. I have some concerns as I do not see balances reflecting my payments. 
Even if they were applied correctly, I should be receiving a statement monthly on an active loan to see where I am. I am requesting assistance to get Foundation Freedom to show me statements for XX/XX/2021- Present. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you because all 3 major credit bureaus have recently dropped my credit score due to fraudulent information being reported on my credit report. Let me first start by saying my name is XXXX XXXX and these accounts listed do not belong to me and are fraud I am a victim of identity theft and I want these account removed off my credit report at once because they do not belong to me and were opened with my consent XXXX XXXX XXXX XXXX XXXX/XXXX Also there are several credit inquiries that are also listed that are fraud and I want those removed from my credit report as well. These companies have dropped my credit score significantly do to this fraudulent activity and I want a accurate credit rating not one that's built on fraudulent credit ratio. Also the balance reporting on my XXXX XXXX card is wrong on XXXX and XXXX  because I paid my balance off in full so I don't owe them anything. 
Also my balance at XXXX  bank and XXXX XXXX bank, XXXX, XXXX  bank all need to be updated because all cards that I mentioned are showing inaccurate balances which is another reason my score dropped tremendously. And last but least this account XXXX Inquiry from XX/XX/2018 Is also fraudulent and does not belong to me and I would like it removed from my credit report.