23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to ask for your assistance with Wells Fargo Bank. 
Since last XXXX I have been trying to obtain the COVID -19 recovery modification for homeowners who can resume payments. 
Unfortunately Wells Fargo will not allow me to do so. I am currently restricted to speaking to one person in the home preservation department. 
I was only able to contact him in XXXX after trying for months. He told me I was approved for the modification in XXXX and had to pay the money from XXXX to present if I did not want to lose my home. This was XX/XX/XXXX. I was then contacted in XXXX informing me they could not complete the modification because they could not clear the title. I do not have any liens on the home and am unsure how the two correlate. I received notice in XXXX that they had cleared the title and to look for the documents to sign in the mail. In the meantime I was told I had to pay {$1900.00} a month until the process is complete. My previous mortgage payment was {$1800.00} and that was changed at the closing table. I received the documents in XXXX, notarized them and sent them back. I was contacted in XXXX, it was stated the county denied the modification because the title is not clear. I am so confused. 

I am in active bankruptcy. Prior to the pandemic I was paying Wells Fargo {$2000.00} a month with the hopes of the additional going towards the principal as well as the trustee payments. I have been compliant with all of Wells Fargo to date. Wells Fargo unethical practices and misleading behavior appears to be resulting in my children and I being XXXX. I was contacted and told they have to do a phone income review to see if I qualify for a modification at all. Why aren't I eligible for the COVID -19 loan mod? I have an FHA loan. They said they cant clear the title and the deceased my have airs to the home. The deceased was a co borrower only and is not nor have ever been the deed of the home. Please I do not want to be XXXX with my children. I don't know what to do and I am not getting much assistance from the Bankruptcy lawyer. 

Wells Fargo have also is fabricating documentation about assistance provided. they also presented a new closing disclosure at closing that was not the original provide prior. pleas see original disclosure attached. Wells Fargo deleted the bill pay history. Please see attached statement 's as proof of payments in XXXX as well. Payments stopped when the office shut down in XXXX during the pandemic in XXXX, But when they gave us the last payment in XXXX I paid Wells Fargo. Please see attached. please help me. I am have been in compliance with all Wells Fargo stipulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my consumer reports from all credit bureau agencies notified them of the fraudulent reporting information that is inaccurate reporting information my consumer report XXXX XXXX information is being furnished by Bank of America claim number from Bank of America XXXX XXXX Accounts number ending XXXX Florida drivers license number is inaccurate information address is incorrect information how can the information be verified and the method of investigation that where conducted The Consumer report shows that I was a victim of fraud my whole entire personal information has been compromised identity, Social Security number, etc. 

Im the victim of identity theft and I dont recognize none of the accounts or inquiries on my Consumer report. I XXXX XXXX XXXX purports to bring claims against XXXX under the Fair Credit Reporting Act ( FCRA ) based upon information reported, allegedly caused by identity theft. In enacting the FCRA, Congress recognized the vital role consumer reporting agencies ( CRAs ) have in assembling and evaluating consumer credit, as well as the need to insure that CRAs exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 U.S.C. 1681 ( a ) ( 3 ) - ( 4 ). Under section 1681e ( b ) of the FCRA, a CRA, when preparing a credit report on a consumer, is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). If a consumer brings a dispute to the CRA regarding the completeness or accuracy of a credit report, the CRA is required by section 1681i ( a ) within a reasonable period of time [ to ] reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. 15 U.S.C. 1681i ( a ). The FCRA addresses the duties of CRAs and of furnishers of information to those agencies as follows.

. 15 U.S. Code 1681c1-
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not allowing access to my credit report and using authentication as an excuse which is false. I answered all the questions they asked me. I even tried alternative authentication by sending my id and my photo and they still denied me access with no explanation. The agent XXXX Id # XXXX was the information he gave me. I asked him to speak with someone about the issue and he repeatedly told me there is no one else to talk to. To my knowledge there is always a chain of command and not only was I denied rights to my credit report but also denied rights to a resolution by allowing me to speak with a higher chain of command.
Product: Credit card

Synchrony bank constantly closes accounts without first checking with the account holder. My rooms to go card has been cancelled twice since XXXX without even a call to me to see what if anything was wrong. Then when you choose in they have bankers hours as if fraud only occurs during those times. So now i ca n't even get this straightened out because the people are " off ''
Product: Checking or savings account

This complaint is against Capital One 360 Checking. On XX/XX/2024, I attempted to deposit {$3800.00} ( XXXX {$100.00} bills ) using a Capital One ATM at the XXXX XXXX Capital One XXXX. The machine accepted the money but did not update my account balance. Instead, it displayed an error message and returned my card. 

I immediately spoke to a banker at the ATM, who filed a dispute and expedited the refund process. I also contacted a supervisor and a manager over the phone, and they assured me that they had expedited the provisional credit request for the dispute. They told me I should receive the money by the evening of XX/XX/XXXX or the morning of XX/XX/XXXX. 

However, as of now, I have not received any provisional credit or resolution. My money appears to have been taken by Capital One. My rent, due on XX/XX/XXXX, incurred a 10 % late fee due to this issue. My account is overdrawn, and the only response from the bank has been to wait 10 business days.
Product: Mortgage

I have a 15 yr. fixed mortgage with Shore Mortgage and my loan was made in early 2014 with a PMI that was to be removed automatically when the LTV reached 78 %. My loan was for XXXX and the property had an accessed value of XXXX at the time of the loan. My goal was to pay off this loan in 10 to 12 years so I have made extra monthly payments that has lowered my LTV making it eligible for PMI removal.. My loan balance is now below XXXX and has exceeded the point where the auto removal should have been made. I contacted Shore mortgage and they want me to pay for a drive by appraisal of $ XXXX before they will remove the PMI. There is nothing in the contract about a drive by appraisal but I have no objection to this or even an inside appraisal but the fee for this should be on them. A real estate agent told me that she could quickly sell my home for XXXX. Now I am also told that if I do not pay the fee for the drive by that the PMI will continue until the date that would be the normal amorization of the loan for the 78 % if I had made no extra payments. This is a rip off and violates everything I have been told by Shore Mortgage represenatives as well as what is in the contract. What I want is for the PMI to be stopped and all overpayment above that required to meet the 78 % LTV to be returned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Compliance Department XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Reporting and Request for Immediate Action Account # XXXX Dear Compliance Department, I am writing to formally dispute the reporting and handling of the referenced account, which appears to violate several provisions of the law. This account was charged off and, as such, no further charges or reporting should occur. 
Violations of Federal Law 1. 15 U.S. Code 1692 ( c ) : I have not granted XXXX XXXX XXXX or any associated entities permission to communicate with me via my credit report. Such reporting constitutes unauthorized communication. 
2. 15 U.S. Code 1692 ( c ) : I did not provide consent for XXXX XXXX XXXX to report or share my information with XXXX or any other third party. Without my explicit consent, this reporting is unlawful. 
3. 15 U.S. Code 1692 ( d ) ( 2 ) : The continued reporting of this account is causing undue harm to my reputation, resulting in credit denials, housing application rejections, and financial stress. Such conduct constitutes harassment. 
4. 15 U.S. Code 1601 : The continued reporting of this charged-off account violates federal guidelines and my consumer rights. 
Additional Context This account was charged off with a balance of {$1400.00} and was transferred to XXXX XXXX XXXX, as outlined in your correspondence. Despite the charge-off, your entity continues to report and potentially accrue charges on this account, which is unlawful and against established practices for charged-off debts. 
Request for IRS Form 1099-C Furthermore, as this account was charged off and treated as a loss by the original creditor, I request a copy of IRS Form 1099-C for the tax year XXXX. Charged-off amounts are considered taxable income, and I require this documentation to accurately file my tax return. 
Demands 1. Immediate Removal : Cease all reporting of this account to all 3 credit bureaus. 
2. Verification of Actions : Provide written confirmation that this account is no longer being reported or handled unlawfully. 
3. IRS Form 1099-C : Send the requested documentation to my address promptly. 
Failure to address these issues will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities. 
I trust you will address this matter promptly and provide a written response within 15 business days of receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. XXXXi ( a ) ( 1 ) ( A ), credit reporting agencies must complete their investigation within 30 days. 15 U.S.C. XXXXi ( a ) ( 2 ) mandates that if the dispute results in a change to the credit report, the credit reporting agency must notify the consumer and provide them with an updated copy of the report. The agencies failure to comply with these timelines has resulted in harm to my credit standing and has caused undue stress and potential financial consequences. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. XXXXg ), I am entitled to clear communication and response regarding disputed information on my credit report. The lack of response is also a violation of my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my ChexSystems report and I notice information that is old and old dated, and not listed properly. I had a bankruptcy that should had discharged the account that are still showing. XXXX should not have a balance showing since it was discharged in my bankruptcy.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My disputes are not being filled correctly and my paperwork and my FTC report is not being attached to my disputes. I am not getting copies of the verification process
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Transunion on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX regarding an inaccurate listing on my credit report from XXXX XXXX XXXX. I opened up a credit line with them in XXXX. The credit line was never used and there were never any balances owed on this account, however, when I filed a XXXX XXXX bankruptcy in XX/XX/XXXX, the company closed my account and listed it as a charge off. Transunion has not sent me the results of these investigations, other than stating my credit report was " updated ''. When I followed up with Transunion, they only told me that the company was confirming or validating the reporting. 

I volunteered to send proof to Transunion that the company was never reported on my bankruptcy because there was never any balance owed. Transunion stated due to a new open investigation they were not able to use my information to correct this inaccuracy. I was unable to get a copy of my Transunion credit report but am attaching a copy of my other credit reports as proof there was never a balance owed to this company.
Product: Debt collection

I contacted the company NCB Management Services and they sent me the receipt that they bought the debt. And that doesn't reflect or confirms that the account its mine or that I was involved in that transaction. Once again I do not recognize the account or the creditors. I have not sign any contract or agreement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters to all three credit reporting companies, XXXX Equifax, and XXXX. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of $XXXX on XXXX/XXXX XXXX – account number XXXX.  (Please see page attached from my credit report.)  I cancelled this account and returned the equipment.  Even after the account had been closed, XXXX was continuing to charge this account for out-of-country calls that were never connected.  Every month the total charges due on the account continued to get larger and larger.  I contacted XXXX  to assist me in settling the balance.  One representative told me they would accept a settlement amount of $XXXX.  I had a payment drafted and ready to go.  When I confirmed this settlement offer, I was told by another representative that the company cannot honor a lowered payment.  As I continued to try and resolve this issue I was informed by yet another representative that they never received the equipment I had returned so consequently I was still being charged on a closed account.  I asked every representative I spoke with if they were referring back to the notes from my numerous phone calls prior and every representative responded that they were in fact reading the notes as well as logging in the new notes.  I find this difficult to believe because there were so many conversations and each representative informed me of something different each time.  I have been trying to resolve this issue for months and have not been able to make any headway.  The account balance is incorrect and this false reporting of a collection/charge-off is seriously harming my credit score.  This line item needs to be removed from my credit report.  I have contacted the (2) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, Englehardt v Gravens ( mo ) 281 SW 715, 719 1 presume that no proof of the alleged debt, nor therefore any such debt debt, in fact therefore exists. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX  {$9900.00} XXXX  XXXX XXXX opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$2800.00} XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX  {$7700.00} XXXXXXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX  XXXX.
Product: Debt collection

In XXXX, I called XXXX XXXX, stated I will not continue the membership or to pay, due to high risk of the covid-19 pandemic during my XXXX, I will not be using the membership started months prior to covid-19 pandemic. XXXX informed me I needed to come in person to cancel. I refused, due to being XXXX  and not risking health during pandemic ; reiterated I won't be able to come in due to health risks for my unborn child, which is why I am cancelling. Now, in XXXX, received a letter for a debt collection by Aldous and Associates, I contacted by phone call but was informed they won't accept disputes and i needed a written letter to cancel years ago, which is not what was stated when canceling back in XXXX. I am not paying or continuing membership, I informed them before they continue to charge me in XXXX.
Product: Credit card

Capital One has an account that is unrecognized on my credit report ending in XXXX. It is fraud and must be removed. Account is over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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* 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 an account without my written instructions.
Product: Credit card or prepaid card

Citi credit card improperly closed my account on XX/XX/XXXX and will not allow me to reopen it and have rejected my application for a new card. Details below : I recently changed banks and added my new bank account information to my Citi credit card account so I can pay my bills. When adding the new bank account number, I mistyped the account number by one digit ( according to the sales representative from Citi who I spoke with on XX/XX/XXXX ), which led to three consecutive scheduled payments to be rejected within 24 hours one for {$380.00}, {$130.00}, and {$7200.00}. The reason for three scheduled payments is because my husband and I split the bills and I miscalculated the total amount we each owed a few times, leading me to add on additional payment amounts from the same account. 

There was nothing fraudulent or nefarious here, just a sleep-deprived, new mom trying to pay my bills and made a *simple* typo in the account number that anyone could make. As soon as I learned of the typo, I corrected it and made the proper payments. 

The typo and subsequent rejection of payments led to me triggering something in the Citi system to automatically close my account on XX/XX/XXXX. I didnt receive any warning saying e.g., weve noticed issues with your payment, please correct this in order to keep your account open. Citi simply shut down my account. The sales representative I spoke to on XX/XX/XXXX indicated that they were unable to reopen my account and unable to override the system to allow me to open a new account. So, I am now XXXX from Citi for an undefined period of time for the simplest of mistakes. I have never missed a payment with Citi and I have never even run a balance month to month. As a loyal customer, I deserve better treatment than this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit 30 times i did not authorize them to do that XXXX XXXX Bank 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

I disputed my Equifax report in XXXX with supporting documentation showing the account status in the Equifax report are incorrect. However, it still shows incorrect information and Equifax agency is disregarding the supporting documentation to support my dispute with the XXXX XXXX XXXX account 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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address 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 h
ave caused significant inconvenience and 5 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on USAA SAVINGS BANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

USAA SAVINGS BANK XXXX Balance {$3000.00}
Product: Credit reporting

The credit report agency is reporting inaccurate information on my credit report all XXXX bureaus.. ( ..trans union, XXXX, XXXX ) passed the statue of limitations in the state of california ... .some of the items being report are 14years old why????? statue of limitations is 7 years .... theses items has been laying dormant on my reports for 14 years really..please remove immedately and send me an updated copy reflecting the changes ... thanks in advance