23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I started having trouble keeping up with my Lowes credit card payments, basically I was experiencing financial hardship and reached out to this credit card company and made them aware. However, after some time, I was no longer able to keep up with my payments and this credit card was turned over to collections. Now fast forward to this year XXXX, sometime around XXXX, I attempted to offer them a settlement to which they declined. The total payoff for this credit card is {$6200.00} and has already been listed as a charge-off, but I wanted to pay back as much as I could in a settlement. I offered them {$1000.00} but was denied by their representative. That's honestly as much as I could afford to pay them, but they didn't see it that way.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED 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

Hi I'm XXXX XXXX, I'm filing a compliant against credit bureau Equifax, because I have submitted numerous of dispute letters over a year regarding companies : XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXXhats still reporting on my Equifax credit report. I have a list of problems with Equifax, after giving me the option to send additional information to further the investigations after still allowing the accounts to remain from the previous investigation, I sent in the additional information within the timeframe of Equifax, Equifax still continues to ignore my dispute information and with incorrect feedback results that is not regarding my dispute information or they're requesting the same information again I already sent to them. Equifax is leaving unknown addresses that is currently on my credit report I'm unaware of and never lived at nor authorized the addresses to be on my credit report, I sent dispute letters regarding the addresses and accounts Equifax results was " the items are being modified '' I never received the following results over a forty-five day period of receiving the first results. Their investigation did not help my disputes resulting with inaccurate results to not remove the items and not receiving any results from Equifax.
Product: Credit card

I am a British Citizen but an XXXX XXXX member of the XXXX XXXX since XXXX XX/XX/XXXX. 

I successfully applied for a XXXX American Express Credit Card in XX/XX/XXXX with the annual fee waivered under the Military Lending Act and/or the Servicemembers Civil Relief Act. 

In XX/XX/XXXX I was charged {$690.00} annual fee. I raised this for formal review as I remained, without break, an XXXX XXXX member of the XXXX XXXX. 

Four times my review was rejected by American Express who have refused to acknowledge my XXXX XXXX status and refund my annual fee. I have made a complaint about this as at one stage they asked that I provide written evidence of my status. 

I provided this evidence, a signed letter from the Department of the XXXX certifying my XXXX XXXX status and American Express acknowledged receipt on XXXX XX/XX/XXXX. 

I have called the American Express customer service line and complaints line at least 7 times since XXXX to try and resolve this issue. One American Express complaints handler told me during a call in XXXX that he knew what the problem was, that it was an internal error in handling my case, and that my fee would be credited on my XXXX statement. That refund did not happen. 

I called to make a further complaint only to receive another email on XXXX XXXX that I am not eligible by American Express XXXX and must pay the fees. 

My compliant is that my XXXX XXXX status was approved for my initial credit card application in XXXX, incorrectly changed and charged in XXXX, and the evidence I have submitted and acknowledged by American Express, ignored. 

I am owed {$690.00} by American Express who are willfully failing to provide the reason for rejecting my Active-Duty Status and applying the benefits of the MLA and SCRA despite providing them the evidence requested and continued engagement with them since XX/XX/XXXX. 

Their veneer of politeness masks a complete rejection of my XXXX  service, their failure to apply my associated legal protections, and above all, completely exposes a hollowness to their appreciation of military service.
Product: Debt collection

I have reached out to the business office multiple times with no call back. I have requested information and have not received anything! According to FCRA laws, it is illegal to report medical records to the credit bureaus.
Product: Checking or savings account

On XX/XX/XXXX I received 2 text back to back of some one trying to do a 2 factor identification on my account. At that moment i logged into my chime account and discovered an unauthorized transfer of {$2000.00} from my account to another unknown chime account.I instantly realized some one had logged into my account and stole my money. I immediately contacted chime support and explained the issue and opened a claim. I was told by a rep the claim would take approximately no more than 60 days and or a provisional credit will be issued in 10 days. Then the following day I got an email saying they found no error in what occurred and closed my claim in less than 24 hours! Then that same day XX/XX/XXXX I received another text message of a fraudulent attempt made to try and charge my debit card in XXXX XXXX when Im in XXXX XXXX. I immediately called again to report this and re opened the case. I provided screen shots of the text messages and proof of me being no where near XXXX. Clearly there was frequent fraudulent activity on my account and they failed to catch this. I then waited for the investigation team to get back to me with a response which took only 1 day for them to tell me I myself sent these funds out. The denial letter is basically a joke there is no real information on there of them doing any investigations other than them providing me with a device ID that was used to make these unauthorized transfers which was not my device. I will attach denial letter. I have actively been calling trying to get MY money back and am getting no help I keep getting denied and getting the run around. Getting these funds stolen from me has caused a major financial set back and desperately need help.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX order products from XXXX. Paid with XXXX from my bank. Paid for overnight. 4 days later I contacted the company and that's where my order was that's my order number and I gave it to him and they said they chip it out again and give me a bogus shipping company. On the shipping site the tracking number I gave you pulled up somewhere near my house and said it was there being delivered at XXXX in the morning nothing was ever delivered. I then called my bank to dispute it and the lady said that they would look into it and probation my money within 10 days. I called back to me 15 days later and they know money ever hit my account and the gentleman said don't best edition was being done at this point my money should be back in the account. Today I contact the bank and they say I owe you XXXX to bad even though he recommended it and you used it from our application thanks I too bad. I then spoke to customer service again at the product site and they told me all will be shipping it out to you again I didn't respond to anything and XXXX minutes later a response came back and said oh okay I 35 % another XXXX minutes later and said to me what's on tonight like it was an automated que. when I called my bank again and tried to tell them hey this is a scam you're selling a product called XXXX that is basically saying hurry we're going to scam you and not refund the money. When I told the banker that he said there's nothing he could do I said so what you're telling me is to take all my money out of your bank and put it into something secure and that will take care of me when I have an issue with avenger or an online purchase for a purchase that goes through their Bank. That's the reason I'm filing a complaint today.
Product: Debt collection

This company continues to call my house for a XXXX XXXX or some similar name. My name is XXXX XXXX and my wife and XXXX kids live here. None of them are name XXXX XXXX or anything close. more importantly none of us - have any debt that is unpaid, overdue or late. 

I advised them two weeks ago to stop calling - as they have a wrong number - but they continue to call me
Product: Mortgage

I am a XXXX woman, XXXX years old and XXXX. I have been trying to get my home modified since XX/XX/XXXX. I had zero luck and it was very hard for me to get around my house to fax all the documents they had always requested over and over. I am in a wheelchair and live alone ; I have to wait for my son or daughter to come home from work and help me, if they were not too tired. I did everything my lender they had asked me. On XXXX/XXXX/XXXX, my lender, Selene Finance, denied my loan modification request stating that I had " insufficient income to support a modified payment ''. They calculated my income much too low and wrong, about {$1700.00} too low! They did n't give me time to appeal this - they instead sold my house at foreclosure auction on XX/XX/XXXX. I had no time to tell anyone what they calculated was completely wrong. This is a violation of the rules, how can they calculate whatever they want, deny it and then sell a house without me having time to correct them to get on the same page! I could not believe it ; this was another punch in the face. I am formally requesting a rescission of the foreclosure and a FAIR review of my case, they did not give me 30 days after they made the determination of my income for an appeal. They denied me and sold my house 6 days later ( 2 of those days being a weekend ). I will also be escalating this to the FHFA and to the CT attorney general. Also have tried calling numerous times to Selene Finance 's foreclosure attorney XXXX XXXX, a ruthless law firm who is know to be very agressive and ignore homeowners and their advocates. They also did not answer my counselor 's calls after my house was sold. This house is all I have and they calculated my income however they wanted to be able to deny my application and sell my house days later. No appeal time, no call back, foreclosure attorney ignores me completely. They sent a contracted realtor snooping around my house every few months ( XXXX XXXX ), whom would scare my tenants and berate me telling me I am going to lose the house anyway ( I will deal with that as a separate issue ). She also told my tenants to hand over their security deposits directly to her because I was in foreclosure. Again, a separate matter but she stated she was contracted by my lender. Somebody needs to make this right before time runs out and I am going to the government with this matter. I am tired of being ignored because I am elderly and in a wheelchair. I have been taken advantage of for too long. This is all a severe injustice and must be remedied. You have my full permission to speak with the counselors at XXXX XXXX. To Selene Finance : DO NOT close my case stating that you do not have authorization, because I am attaching it again and they have already been working on this case for 1 year so there is no excuses.
Product: Credit card

Wells Fargo is REFUSING to credit my credit card payment made on XX/XX/2024 of {$200.00} after receiving proof of payment from XXXX  XXXX XXXX. 

Wells Fargo REFUSED to troubleshoot the issue then played XXXX and XXXX. 

Wells Fargo REFUSED all proof of payment from XXXX  XXXX XXXX
Product: Prepaid card

Reference Complaint # XXXX Regarding Direct Express card and Comerica Bank XX/XX/2023 I have not received any credit or relief for transactions totaling {$2200.00} Direct Express Card will not speak to me regarding this Fraud. Customer Service should never have sent out XXXX cards to an undisclosed address. The fraud investigation determined that the transactions were unauthorized. they referred me back to The Social Security Administration { SSA } and SSA is telling me there is nothing they can do to Help. 
Complaints Have been filed with the Federal Trade Commission and I have not received any response from them. This setback has caused me to be evicted from my rental home and has continued to cause unresolvable problems. XXXX : Homelessness
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This is related to my initial complaints. I have completed my identity theft kit as the XXXXXXXX XXXX  requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD ACCOUNTS : 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 I have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was 2 years between the first charge and the one in question. They have opened another dispute about it. Also I called XXXX XXXX  to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.
Product: Mortgage

This is a formal complaint against PHH, following receipt of correspondence dated XX/XX/year>, received by my person, via USPS, on XX/XX/XXXX and to which I am submitting this response/refutal, the basis of this complaint. The reason for the response/refutal is that said correspondence includes continued, on the part of PHH, misrepresentation of facts, inaccuracies and misleading information, all to the detriment of my person, the borrower, and family. I thank you for the time you spent in responding, well over a month, however, the source ( s ) that provided you with information is/are void of verifiable facts and objectivity. This response is consistent and supports prior borrower responses and submissions. 

This response/refutal clearly presents the facts, all supported by PHH Mortgage Services-generated/issued ( PHH ) documents, all that unquestionably place the responsibility of this situation squarely on PHH, following their violation of notification requirements as required by its own, state and national laws and regulations governing mortgage servicers and further compounding the situation by treating it as if it was the borrowers fault, attempting to free itself from its self-imposed liability and errors. PHH has acknowledged, in writing, in its XX/XX/year> correspondence, that it clearly violated and did not comply with its Temporary Hardship Forebearance Plan Agreement, stating, We acknowledge that no call-out attempts were made to contact the borrower before the end of the plan. Further, PHHs attempt to disengage from its acknowledgement of violation and non-compliance by referencing a XX/XX/year>XXXX  correspondence, is disingenuous and totally misleading as the referenced correspondence was mailed to a third-party that is not a party to the account/mortgage and not personally liable for the same.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Product: Checking or savings account

I attempted to cash my IRS refund check, in the amount of {$260000.00}, at the PNC Bank location at XXXX XXXX XXXX XXXX XXXX XXXX. Check # XXXX, dated XX/XX/XXXX. The transaction was automatically flagged for fraud, my account was frozen, and it remains frozen as of this writing ( XX/XX/XXXX ). 

The XXXX XXXX team working on behalf of PNC bank requested in XX/XX/XXXX that the IRS " verify the authenticity of the check '' before they would release the funds. I have been working with XXXX XXXX from the XXXX XXXX XXXX since XX/XX/XXXX, who has provided me with a Form XXXX - Claim Against the United States for the Proceeds of a U.S. Treasury Check, which includes a photocopy of the check in question. I have been attempting to contact the XXXX XXXX group to provide them with this documentation, but none of the XXXX calls I have placed since XX/XX/XXXX have been returned. I even went to my local PNC branch and had the branch XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) attempt to forward the documents to Enterprise Fraud, but XXXX calls are also not being returned. 

My money is being unfairly held from me, resulting in economic damages from potential investment interest that I am not able to realize in excess of {$15000.00} ; for which I am currently seeking legal action to recover.
Product: Vehicle loan or lease

On XX/XX/XXXX I entered into a credit consultation agreement with XXXX XXXX XXXX XXXX XXXX, credit consultant manager and Credit Repair Today promising to improve my credit worthiness which I later found out My credit rating was a fico score of XXXX. I was later contacted by a XXXX XXXX XXXX on XX/XX/XXXX stating that I qualified for a special offer and brand-new vehicle. At the time I was XXXX years old and very naive. I unfortunately entered into retail installment contract with Toyota Motor Credit on XX/XX/XXXX. According to Toyota Motor Credit, I still owe {$8500.00} to date which is outrageous to say the least. This account has been open for 6 years and 2 months and I am still submitting monthly payments of {$450.00}. XXXX on a XXXX XXXX XXXX under a % 17 interest rate and {$4.00} per diem. I believe that the amount owed is incorrect and that I have satisfied this account. I have paid {$31000.00} as of XX/XX/XXXX to Toyota Motor Credit.This company has been unfair in their practices with me as a consumer. I have been a victim of non-disclosures and deception.