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

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : - Creditor/Company Name : XXXX  - Account Number : XXXX - Inaccurate Information : - The Equifax report lists the account as having " 0 months ( terms ), '' which is inconsistent with XXXX and XXXX, which correctly report " 120 months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or Equifax reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in Equifax, whereas XXXX and XXXX correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by Equifax, while XXXX and XXXX accurately list it as " XX/XX/year>. '' - XXXX includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both XXXX and Equifax.
Product: Debt collection

There is a collection on my Experian account and it is XXXX XXXX XXXX that was identity theft and want this disputed of my account I want this to be a paid charge off
Product: Mortgage

XXXX  MY MORTGAE WAS ASSIGNED TO  AMERICAN HOME MTG SER VICING. THIS WAS SIGNED BY  XXXX   XXXX   ( V ICE PRESEIDENT ).  XXXX  MY MORTGAGE WAS TRANSFERRED TO HOMEWARD. I STARTED WRITING HOMEWARD. QUESTIONING THEM ON CERTAINS PERTAINING TO MY MORGAGE. NEXT THING I KNOW THEY TRANSFERRED THE MORTGAGE TG O OCWEN. I  BECAME VERY ILL. I COULD NOT AFFORD MYH MORTGAGE PAYMENTS. I STARTED WRITING OCWEN ASKING THEM IF THEY COULD MODIFY MY MORTGAGE BASED ON THE PRINCIPAL VALUE. THEY DID NOT.  XXXX  I RECEIVED FORECLOUSURE DOCUMENTS FROM  XXXX   XXXX   XXXX   XXXX . I GUESS OCWEN IS PART OF  XXXX   XXXX . WHEN I GOT MY ATTORNEY IN  XXXX  I PAID {$700.00} FOR FORENSIC REPORT OF MY MORTGAGE. I FINALLY HEARD FROM THE FORENSIC PERSON  XXXX   XXXX . I WS TOLD BY THE FORENSIC PERSON THAT MY ATTORNEY WILL CONTACT ME AND GIVE ME COPIES OF THE FORENSIC REPORT. TILL THIS DAY  I H AVE NOT HEARD FROM MY ATTORNEY REGARDING THE FORENSIC REPORT OR ANYTHING ELSE OF THAT MATTER. I HAVE LEFT MESSAGES FOR THE ATTORNEY AND NO CALL BACK. I PAY MY ATTORNEY THERE MONEY EVERY MONTH. MY ATTORNEY WANTED ME TO AGREE TO THIS MODIFICATION THAT OCWEN OFFERED, I TOLD THEM I DO NOT AGREE AND IF THEY CAN DO SOMETHING. NOTHING HAS BEEN DONE. I HAVE NOT HEARD ANYTHING BACK REGARDING THE FORENSIC REPORT FROM MY ATTORNEY. I AM SCHEDULED FOR COURT ( TRIAL ) IN  XXXX   XXXX .
Product: Debt collection

I received a letter in the mail requesting collection of debt XX/XX/XXXX for a Citibank card. The letter I received says I allegedly owe {$1400.00}. I contacted Citibank to verify what information was in their system to validate the legitimacy of the letter, at which point I was informed that the debt was being managed by a separate collection agency/law office. I found this odd because the debt was not on my credit report and in XX/XX/XXXX, I received a letter stating my inactive account was being credited for an identity or credit protection service I had during the time my account had been active. Also in XX/XX/XXXX, I received in the mail a pre-approval letter for the Citibank Diamond Preferred card, which further confused me. Yesterday, XX/XX/XXXX, I received another Citibank card offer for a ThankYou Preferred card. If I had outstanding debt with Citi, why would I be eligible for their top cards?
The 3rd party organization also sent a letter claiming to file a foreign judgment with the current state I 'm living in, which I do n't even understand what that means. 

This matter has resulted in further research and I uncovered that Citibank broke the law by providing inaccurate and inflated interest rate information for about 130,000 credit card accounts it sold to debt buyers. The bank also was accused of failing to promptly forward about 14,000 payments from customers, totaling about {$1.00} XXXX, to the debt buyers. When I reached out to the 3rd party company that sent the letter, I was told that only {$200.00} worth of payments to Citibank was recorded associated with the inactive card account, which again makes no sense. 

I also learned that from at least XX/XX/XXXX to XX/XX/XXXX, Citi used misleading statements to get people to sign up for debt protection services, and charged for credit monitoring services it sometimes did n't provide, the consumer protection bureau said. XXXX also charged a {$14.00} fee for same-day payment on delinquent accounts, a service that most users did n't need, according to the agency. Which I had clearly been a victim of due to the refund letter received.
Product: Credit card or prepaid card

XXXX XXXX # XXXX In XXXX 2017, XXXX personnel initially translated XXXX reward points into {$470.00}. Surprised me as I expected it to be worth {$790.00}. They then said I could n't credit my account with the points as I owed LESS than {$470.00}. I then traveled and charged my card so as to have a balance in excess of {$470.00}. Upon my return I asked XXXX to credit my account for {$470.00}. The first two people I spoke with ( on XX/XX/17 ) told me I could n't do that because my balance EXCEEDED {$470.00}. I ended up speaking to 5 people that day ( in addition to 3 people before I traveled ) XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. 
Each person calculated a different amount for my rewards.I finally received only {$390.00}. 
This from XXXX points!! THEIR SYSTEM SHOULD BE MORE TRANSPARENT TO XXXX USERS. EVEN THEIR OWN PERSONNEL COULD N'T FIGURE IT OUT. 

I 'd like the difference of {$78.00} ( between the {$470.00} I was promised in XX/XX/XXXX and the {$390.00} I was eventually " rewarded ' ) credited to the balance on my account, which I have since closed. I left a balance of {$78.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692 consumer im not obligated to pay any debt.

The FDCPA only applies to third-party debt collectors, such as those who work for a debt collection agency. Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 


XXXX XXXX Account number - XXXX Amount - XXXX date opened- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number - XXXX Amount - XXXX date opened -XXXX XXXX XXXX XXXX XXXX XXXX Account number - XXXX Amount - XXXX date opened - XXXX XXXX XXXX XXXX XXXX  Account number XXXX Amount XXXX date opened XXXX
Product: Debt collection

XXXX  XXXX XXXX XXXX has called my parents house, as well as just called my brother and told him how much I owe them. He called me and told me that I owe them {$2000.00} and I am aware of that. I do believe this is an illegal practice of collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened without my permission on XX/XX/XXXX with Through The XXXX XXXX  and another account opened on XX/XX/XXXX from XXXX and XXXX I believe through mail order Catalogs and charges were incurred in my name, I have never made a payment on these accounts and asked for proof that I opened the accounts and both the companies failed to produce it and refuse to remove them from my credit report and have it last reported in XX/XX/XXXX and will not release it from my credit records, I have tried multiple times to dispute them but have not gotten satisfactory resolution. This has prevented me from obtaining credit and caused me to pay higher interest rates.
Product: Credit card or prepaid card

I have twice received denials for a Secured XXXX from CapitalOne. Both times they indicate the reason is that legal action is pending against me. In the 3 years since they first made this claim, I have yet to be aware that I am party to any litigation. The most recent letter is dated XXXX XXXX, XXXX. I sent them a letter requesting additional information and have not received a response. I am mailing another letter to the address provided in the decline letter.
Product: Student loan

I took out XXXX XXXX XXXX plus loans, which now are Navient, while attending XXXX University XXXX. I consolidated all my federal loans with the XXXX XXXX XXXX XXXX, through XXXX and they have been fantastic. I am in the Public Loan Forgiveness program through XXXX and tried to add my XXXX XXXX XXXX plus loans or Navient loans and Navient refused to add them. They told XXXX that these were private loans. Navient has not only refused to add these loans to my forgiveness program, but they have also refused to lower my payment. They have kept me in forbearance for a long time. Each time I have had to pay {$50.00} per loan to keep them in forbearance. I also receive robocalls at least seven times a day. All of the actions on the lawsuit against them, I have experienced. They raised my interest rate and have added a substantial amount to my loans. I will be attaching all the documents from Navient as well as my credentials for Public loan Forgiveness. Thank you for any help you can give me. They will not work with me.
Product: Money transfer, virtual currency, or money service

On the date of XX/XX/XXXX at XXXX UTC I made a purchase for XXXX BitcoinCash being trade ID XXXX for {$940.00} USD. On XX/XX/XXXX the Coinbase Pricing Chart had different prices from that of its sister company GDAX Pricing Charts ( please see attached photographs ). Had I not matched the two separate Coinbase and GDAX pricing graphs and photographed this evidence it would not be known. I have made Contact with Coinbase for over 6 months regarding white collar crime activities Coinbase/GDAX have been engaged in. I have filed a complaint with the Consumer Financial Protection Bureau, met with federal agents at the Federal Bureau of Investigation and filed a complaint and communicated with the Securities and Exchange Commission.
Product: Debt collection

I applied for a line of credit through Amazon to help build my credit & purchase a house for my new family. Every attempt I had made to make a payment was repeatedly rejected until the very 1st payment was past due. even with new forms of payment. At that time my 1st payment became delinquent I had given up any hopes of building & establishing credit since they had already damaged it severely. 
This has caused a major hardship on our life & stress. I have been yet again working on my credit again in hopes to one day have a home if our own, & here years later, the only thing effecting those efforts is the Amazon collection. I disputed with the company once & they at that very moment wrote it off as a charge off. I'm still receiving multiple collection letters from them at least once a month. I do not believe that the collection was just & should be removed from my credit since I had made all possible efforts at the time to pay & was denied that privilege.
Product: Money transfer, virtual currency, or money service

Someone added my chase debit card and sent out XXXX $ and chase never refunded it saying since it was already sent there was nothing they could do
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a confirmation that I am disputing several fraud inquiries on my TransUnion report. I tried to get a solution in the past. I sent TransUnion a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. I have attached a document. Please send it to TransUnion. Thank you.
Product: Checking or savings account

On XX/XX/20 A withdraw for the amount of {$98.00} dollars was done at a NON- Wells Fargo ATM out of my checking account. Some time later after going over my bank statement I recognized the withdraw as NOT my own. I rarely use NON Wells Fargo ATM 's for withdraws, the withdraw happened in a town where I do not live and the withdraw was allegedly done from a Sushi Restaurant ATM. I absolutely do NOT eat Sushi. 

After calling WF fraud dept. and speaking with a claims rep I was put on hold and then told my claim was denied. Based on their claim that my card was inserted into the ATM and my PIN was used. The rep claims that " WF debit cards with the CHIP can not be duplicated or cloned '' And that I was the one who made the withdraw. 

He canceled my debit card non the less and said that I would be receiving a new card in the mail and that my claim was denied and closed and I would be receiving a letter with an explanation. 

I received a letter shortly after with basically the same information as above. Along with a separate letter with a New Debit card.
Product: Checking or savings account

In a response to CFPB complaint # XXXX, Wells Fargo chose to use Consumer Account Agreement as an excuse for making unauthorized changes to my savings account. Account conversation deemed necessary for assistance to the customer is in the agreement and states WellsFargo can make changes if they help with consumer finance. 

Unfortunately, a year later WellsFargo returned {$760.00} in fees and admits to depositing a check from XXXX XXXX XXXX ( merchant returned funds for fraudulent purchases ) into the closed account without informing me. 
The report to CFPB only acknowledges a payment but claims the amount is more than {$800.00}. 

As you will see in my feedback, the check was actually for {$760.00} and accompanied by a letter telling me to feel free to cash the check at any Wells Fargo location or contact my " tax attorney ''. The previous day I got a letter from Regional Manager XXXX XXXX practically daring me to enter any branch. 

In short, a year after the fact, Wells Fargo admits merchant XXXX XXXX XXXX returned funds to my closed account due to fraudulent purchases. Even with this knowledge a year later WellsFargo refuses to admit that the trouble with my account started with the unauthorized account conversation that lead to the clear theft.
Product: Mortgage

I WAS PUT IN A PREDATORY LOAN .I DIDNT RECEIVE FIRST TIME HOMEBUYERS. OR ANY TYPE OF FIRST HOME ASSISTANCE .SO DUE TO BANKRUPTCY RECENTLY .WELLS FARGO PUT ME THROUGH THE PROCESS OF ALL THIS PAPER WORK .GIVING PERSONAL INFORMATION TO DENY ME A LOAN MODIFICATION.WHICH EVEN CAN INCLUDE., MODIFYING THE BALANCE LEFT ON THE LOAN TO A LOWER AMOUNT.I LIVE IN A HIGH CRIME AREA.AROUND BLITTED PROPERTY.I HAVE BASICALLY ALL READY PAID OFF THIS LOAN.I HAVE BEEN WITH WELLS FARGO SINCE XXXX.I HAVE MADE ALL MY PAYMENTS ON TIME I HAVE NEVER MISSED A PAYMENT .EVEN WHEN MY INCOME CHANGED.I APPLIED FOR THE MODIFICATION TO GET THIS PROPERTY AMOUNT REDUSED.EVEN TRYING TO TALK TO THIS COMPANY ABOUT A LOAN SETTLMENT. WELLS FARGO SAID THEY WOULD TAKE ALL THIS INTO CONSIDERATION.I FEEL LIKE MY LOYALYTY AS A CUSTOMER HASNT BEEN APPRECIATED.I ALSO FEEL DUE TO THEM DENYING ANY TYPE OF MODIFICATION MY ASKING FOR A REDUCED BALANCE AMOUNT WASNT TAKEN INTO CONSIDERATION.
Product: Debt or credit management

I was sick and I couldn't work for a year they didn't close my account
Product: Credit card or prepaid card

I was given a XXXX XXXX XXXX card as a {$50.00} gift card, I never experienced this type of card before. And tucked it into my drawer for when I really needed it. 

The expiration date is XXXX and on the white background above the barcode states clearly {$2.00} activation fee. I went to use it and found out it had to be registered. After submitting all information including an SSN, setting up an account, the website did not allow access to the account information. 

I called and found out that the balance was eaten up due to dormancy fees. 
They said its clearly written on the packaging. I asked where. 
And was told to look at 4 boxes, they were black background with white and blue print. They read : monthly fee- none, atm withdrawal fee {$1.00}, transaction fee- XXXX, reload fee {$3.00}. None of which was Important since I was using as a gift card. I said it doesnt say anything about dormancy fees. 
XXXX the supervisor told me it was below the boxes. I said in font size 2? Yes. She said. It is printed on dark blue background in black ink and too small for me to read even with reading glasses. 

She said its not our fault you cant read it, its written there and the money is gone. 

I see from your website there is a difference between gift cards and Reloadable debit cards. I never used any such thing, I have my own credit cards. I believe these cards are just legal means to rob people by their use of fees. The time of inactivity should begin when you activate the card not when the person purchases it. They offered no solace, no restoration of my {$50.00} gift and said thats the way it is. 

They need to CLEARLY show there are dormancy fees on a white background with black ink that is in a font people can read. Arent there ADA requirements for information that is  detrimental to the individual? 

Banks are charging ludicrous fees every time you turn around and this card just highlights the abuse to people with no credit who need to use this type of vehicle. The bank sucks these poor peoples money through every legal fee in the book. For me it was the loss of a {$50.00} gift card. 

The bank needs to be accountable, make their policies clear and readable. What is not readable it is false or deceptive advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I submitted my complaint, and once again, XXXX less than 2 days sent a message saying they were " investigating '' and then sent an email saying it was " updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. 

Not ONLY did XXXX turn around and SELL OFF the discharged debt for someone ele to try and collect on AFTER discharge, which is illegal, PHEAA is now claiming I owe {$20000.00} addtional in fees. ( HA HA HA HA HA HA HA ). AS IF! In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! 

As previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am XXXX and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! 

Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! 
Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX I lost my XXXX, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX  BANKRUPTCY. 
2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for " collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX  and DEFEATS the purpose! 
I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! 
HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! 

THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
Product: Debt collection

This debt has been paid. It was supposed to be deleted from credit report. I have emailed the company, Portfolio Recovery.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
XXXX XXXX XXXX XXXX  XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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