23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I found out that a loan I had was with a lender that is void in my state, and that the loan that I had with them was considered void in my state. I notified the lender, XXXX, that the installment loan online I had with them was void in my state, meaning that it should never have been offered to a resident of my state. I also made a letter out to my bank, Wells Fargo, notifying them that the lender was not authorized to debit from my account, and that I wanted them to return monies sent to the originating institution ( lender 's bank ) and to give the ACH transcript for that originating bank. 
I called the bank to see how to and where top submit my letter on XXXX XXXX. I was told that I had to file a claim over the phone with the bank, which I did, and I asked if they could attach my letter and other documentation to the claim filed so that my request was also in writing. I faxed the letter to the claims department as I was told to do. 
When I called to called to check on the status of my claim, XXXX XXXX, I also asked to be sure that they had received my documents and letter that was supposed to accompany the claim. The woman I talked to said that she did n't think the investigator has actually looked at or read the letter or other documents, so she said she would send it again with a note, and that I should call back the next day, XXXX XXXX. 
When I called back on XXXX XXXX, I spoke to a different person, who said that they denied my claim. The banker from the claims department stated that they could not reimburse me because I had signed a contract ( even thought the contract with XXXX is null and void ) and that they had nothing to do with the matter. To get my funds back, I would have to contact the lending company directly. She said that Wells Fargo had rules they had to abide by, and that they had even if the company was working illegally, that they ( Wells Fargo ) would have nothing to do with it. I also never received the ACH transcript that was requested, so that I could request the funds from the originating institution that facilitated a void loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to XXXX, XXXX, and Experian to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING A LATE PAYMENT FOR MY AUTO LOAN WITH XXXX XXXX FOR XX/XX/2022. I HAVE NOT MISSED A PAYMENT AND NO OTHER CREDIT BUREUA IS REPORTING THIS LATE PAYMENT BUT TRANSIOUN
Product: Debt collection

Capital Accounts has called me twice now after being told that I do not respond to telephone calls on any business matter. I learned today that the same organization called my wife at her place of employment three times in the same day asking questions about me, discussing the alleged debt with her and attempting to get my telephone number. Today they called me again. I want this harassing communication to stop. I do n't owe them any money and have no business relationship with Capital Accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency 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 C + open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My credit has been ran by these accounts that i do Not recognize i have been sending emails and nothing has changed. This is very frustrating to deal with and i need these inquiries removed off my credit. I have submitted a complaint on XX/XX/year> and you guys still haven't done anything about it, this is a hard inquire on my credit and that's unacceptable.
Product: Mortgage

I had a XXXX XXXX loan on my condominium. After Hurricane Harvey, I was offered a deferral period due to my home being flooded and needed extensive rehab before it was livable again. A person that I talked with told me that at the end of the deferral period, I would be given a modification and the interest rate would be reset to current market rates. This would have been a good deal for me, so I did accept the deferral as ( 1 ) I had no idea what kind of money was going to be needed from me to rebuild and ( 2 ) the current market rates were much better than the rate that I had. About 2.5 % better on the average. 

My rebuild took much longer as the storm damage was so extensive in our area that it was hard to have materials delivered without a long wait. Thus, I didn't get a fully livable condominium until about XXXX or XX/XX/XXXX. I was out of my house for a full year. 

Ditech came forward with a modification agreement asking me to sign where they added past due interest of {$4400.00}, eligible servicing expenses of {$18.00} ( why? ) and taxes and insurance of {$1100.00} ( double why???? ).  Taxes and insurance are part of my escrow account, not part of financed money. And I don't escrow my insurance anyway, I pay it with my HOA dues and to XXXX myself. It doesn't go through the mortgage company. 

What is most shocking though is they have amortized the loan out another 40 years (!!! ) when I had only 15 years to pay on my original mortgage. And they did not lower my interest rate, and they re-started amortizing the loan as a totally new loan. I would think a modification only modifies some of the terms, it should not start over as a completely new loan. They lowered my payment a little, but I did not ask for this and I did not need it. 

If I had continued to pay my old loan, I would have paid {$31000.00} in interest from XX/XX/XXXX to the end of the loan. With the modification, I will pay {$95000.00} in interest. 

I did ask a rep if they had lowered anyone 's interest rate, and I was told that yes, if the balance owed was already a large amount, they lowered the interest rate to make it easier for the mortgagee to pay. 

Now Ditech is in Chapter XXXX bankruptcy. I feel very much held over a barrel to pay all this extra interest just because I deferred payments for a year, and based on inaccurate information. 

It seems that I could continue to pay as if my old mortgage was in place and get out before 40 years pass ( I hope so since I am already XXXX years old! ). However, this is just wrong, They should not be able to do this to a consumer whose mortgage was not behind. 

I have tried to refinance, but my credit score is just beneath what lenders want, so I am unable so far to do so. 

Possible I would be forced into a sale and get rid of my mortgage, but then I would be faced with a market with real estate prices much higher than when I bought this place, so it is all out of my reach now.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally complain about Experian re-adding an account that was previously removed from my credit report due to confirmed identity theft. The account in question is : XXXX XXXX  ( Account Number : XXXX ) This account was removed from my credit report after I provided documentation of identity theft, including a police report and an FTC Identity Theft Report. However, on XXXX, Experian unexpectedly and without notice re-added this fraudulent account to my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft when provided with appropriate documentation. Additionally, FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) mandates that credit bureaus notify consumers in writing within five business days if previously deleted information is reinserted. I have not received such notice from Experian. 

This action by Experian is causing significant stress and could harm my financial standing. 

I request that : The fraudulent XXXX XXXX account be permanently removed from my credit report. 

Experian provide an explanation for why this account was re-added without proper notice. 

Any further reporting of this fraudulent account be immediately stopped. 

I kindly ask for your assistance in resolving this matter and ensuring that Experian complies with FCRA regulations. Please let me know if additional documentation is needed. 

Thank you for your attention to this urgent matter.
Product: Debt collection

A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a Discover Bank Credit Card. He ran up the charges to {$1100.00} and now XXXX XXXX owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.
Product: Mortgage

I am writing to complain about my experience with PHH Customer Service. I lost my job last month, and filed for a hardship so I could push my mortgage payments out by XXXX months while I look for my next job. I filed this application on XX/XX/XXXX, and was told that I would have a phone call with the decision on XX/XX/XXXX. 

In XXXX before the call, I was told that my application was incomplete. I called in to ask what was missing, and was told that the address on my application was incomplete. I added the city, state and zip, and emailed it back on XX/XX/XXXX, even though I only have XXXX loan with this company, and XXXX property, and they already have my address. 

I hadnt heard anything between then and my XX/XX/XXXX appointment, so assumed everything was on track. During the call, he said that I hadnt provided an update, or the required unemployment notice. I pointed him to the documents, which had already been submitted. I was again told that underwriting could not understand the address provided. It seemed pretty clear to me, and I pointed out that I only have XXXX loan with PHH, and that PHH already has my address. 

I called in again on XX/XX/XXXX, to check on status. I was again told that my application was missing the address. She eventually escalated. The next day, I received an email saying that I hadnt checked a box saying this is my primary residence, again, information that PHH already has. I checked the box and emailed it, again, then called in, again, to make sure that everything was to underwritings satisfaction, and was told that I would need to make the next payment because they now consider today my application submission date. Later that day I then received a call from a supervisor saying that my application was closed, without any explanation. 

Now I have to make my XX/XX/XXXX payment, and potentially all subsequent payments, and feel like they are purposefully making this process difficult if not impossible. None of the reps know what they're doing, they don't have the current status, can't tell me when I can expect a decision, and some of them barely speak XXXX.
Product: Other financial service

I am a former employee with a XXXX loan. When Ileft there was confusion with auto payments for my XXXX loan when I set up the new auto debit to keep payments happening from my personal account since they could not auto debit my paycheck any longer, by the time the payments started I was 2-3 payments behind and was receiving deliquency notices, On XXXX I went to the Citibank XXXX NY branch and obtained a bank check for the deliquency amount p'us the XXXX payment and mailed it to Citigroup Benefits Center following all the directions they provided to me on the notiice as it stated that if I did not pay by XXXX/XXXX/15 the funds would be devited from my XXXX and there would be tax implications, In XXXX I received another deliquency notice-when I called to inquire they stated that the payment of {$2200.00} had not been received, I called them almost daily from XXXX to XXXX and they said they could not locate the payment and was advised to put a stop on the check and have it reissued, I went to the XXXX branch on XXXXXXXXand went through the process to stop the check- signed the affidavit and Indemnity form- but since it was less than 90 days I was told the Citigroup Benefits Center also had to sign it- it was send to them on XXXX electroically by the branch. I called on XXXX and the Benefits Center confirmed they received the form but indicated they would not sign it as they do not sign " third party forms '' -- this is a stop payment form from the bank they are an agent for! I on those funds. I am simply asking they sign the affidavit to stop the check so I can have it reissued back TO THEM and resend the payment for theme to process -- Yesterday XXXX after talking to the 5th supervisor and them opening numerous investigations they told me " they can not sign the form that they have not received the check, but they clearly stated on the same call that they have not received the check. All calls are recorded by them as requried and can be heard that they refuse to assist in resolving this matter so my {$2200.00} can be applied back to my XXXX loan, I am not a deliquent payor, I have over {$400000.00} in my XXXX and I am attemoting to resolve a matter they created last XXXX when they did not set up my auto debits for 2-3 months for the payments to continue. I have no recorse at this point ... they just expect me to be out the {$2200.00} and absolve themselves from any responsibity to address the issue, it was mailed to them- they can not locate it and they refuse to sign a simple form that would allow it to be resisued and applied to my account, This {$2200.00} does not earn interest or benefits of the market increase until applied and as a result I am 1- losing money, 2- behind on payments and 3- at risk of taxable income as thr 90 days would be after I can place a stop on it without their signing the form. I need help and have no idea how to solve this, they just refuse to speak with me anymore
Product: Credit card

I have been dealing with these last XXXX disputes since XX/XX/XXXX. I have reasserted them at least XXXX or XXXX  times. I requested on XX/XX/XXXX via phone conversation to send me the evidence they are using to come to the conclusion that these disputes are not fraud. I have yet to receive it. These disputes are of their own making from incompetent staff putting in the wrong case numbers. Now I would also like to complain about Goldman Sachs specialist they need training for sure. I was told by a Goldman Sachs specialist supervisor that these disputes were going to XXXX XXXX and this was on XX/XX/XXXX. This is all on their recordings that they love to do.You should also hear babies crying on those tapes. What kind of bank is this they are trying to take care of babies while trying to take care of customers! What a mess!! Then they added the charges for the disputes to my closed account. What happened to the XXXX  Arbitration? It is a LAW that after 2 reassertions of disputes they are to go to XXXX XXXX. XXXX has a rule that for fraud you will not be charged for unauthorized charges. They should not be issuing a card with XXXX name on it if are not willing to stand by it. That is corrupt business practices. My evidence is the same that I sent for the XXXX disputes that were ruled in my favor. This is called harassment. I have to agree with other customers that have filed complaints about Goldman Sachs. They are corrupt and you cant get away from them and they cant be trusted!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent in Equifax. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX/XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address the fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

How is Transunion & XXXX verifying the information listed as XXXX XXXX when the account has been deleted from one report. The consumer agencies must maintain 100 % accuracy and it must match across the board but this account can not be verified because the current account is involved in litigation with me and therefore this account can not be included on my consumer report.
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX  / identity theft and as a result adverse accounts are reporting on my credit which were not authorized
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act, the account XXXX XXXX has violated my constitutionally safeguarded consumer rights to privacy and confidentiality as outlined in the Fair Credit Reporting Act and 15 U.S.Code 1681. 

I contacted XXXX and Equifax to initiate a reinvestigation of these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX. Nevertheless, they affirmed that everything was complete, accurate and updated. How is that possible if the high balance, date reported, date opened, account rating, account status, creditor remarks, payment history are all inaccurate and incomplete? 

As per the provisions according to 15 USC 1681, Procedure in case of disputed accuracy ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) 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 delete that item of information from the file of the consumer; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( g ), 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 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 in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for an individual to provide any consumer-related information to a consumer reporting agency if they are aware or have reasonable grounds to believe that the information is incorrect.As per the Fair Credit Reporting Act. The account XXXX XXXX has violated my constitutionally safeguarded consumer rights to privacy and confidentiality as outlined in the Fair Credit Reporting Act and 15 U.S.Code 1681.
Product: Checking or savings account

I am filing a complaint against Capital One, due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Capital One misled customers about interest rates on its savings accounts, specifically the " XXXX XXXX '' account. I was never informed about a new, higher-yield " XXXX XXXX XXXX '' account. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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. 

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

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