23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was denied credit because the telephone number listed in my " fraud alert '' is old and incorrect. On XXXX XXXX, 2016 I disputed the incorrect phone number online and submitted the required proof of address via USPS first class mail and the phone number still did not get changed. My correct home phone number and cell phone number are included in the attachments as are the required proof of address documents. I tried uploading this information 3 times on XXXX/XXXX/2016 to Experian 's online dispute system and it would not accept it. I received a new report " correction summary '' dated XXXX/XXXX/16 from Experian last evening ( XXXX/XXXX/16 ) via USPS and it still has an invalid phone number in my " fraud alert ''. 

On XXXX/XXXX/16 XXXX, with whom I applied for credit, requested that I telephone Experian and get the invalid telephone number corrected. I could not get through to a human being at Experian and their automated system did n't seem to offer the proper options after numerous attempts.
Product: Debt collection

Debt Collection trying to collect on a debt no longer owed they were instructed to remove from credit report 15 U.S. Code 1692c - Communication in connection with debt collection and stop communication I requested all false claims of collections must cease and desist from showing on all credit profiles and deleted and required XXXX payment from debt collector for disregarding 15 U.S. CODE 1692C.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account must be repaired : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the month of XX/XX/2023, XXXX XXXX  reported a delinquency for my mortgage account for that month. Their own internal statement of my account, provided at a XXXX XXXX  branch, even shows an incorrect actual payment of just {$2000.00}. for a scheduled payment of {$2100.00}. I have proof that I paid more than the scheduled payment for that month, albeit in XXXX different payments, the first on XX/XX/XXXX for {$2000.00}, the second for {$92.00}, and the third for {$100.00}, totaling {$2200.00}. At all times, bank personnel assured me that these payments would be applied to my mortgage payment due for the month of XXXX. Instead, I ended up with a delinquency on my credit report, that has not only hurt my credit, but also prevented me from securing a different mortgage loan to buy a new home for myself. XXXX has refused to remove their negative reports and still claims the information is correct. I would like for XXXX to correct my actual total payment made for XXXX, and remove the negative report from my credit reports with all three bureaus since I paid more than the scheduled payment for that month.
Product: Student loan

XXXX XXXX XXXX IS SELLING MY STUDENT LOANS TO XXXX. XXXX is known for their snake like tactics and poor service to consumers. They are being sued. I also do not believe AES has the appropriate data to prove they are he owners of the loans as they refuse to provide the agreed terms on my loans when asked.
Product: Money transfer, virtual currency, or money service

I used Poloniex to trade/exchange virtual currency. Upon requesting a withdrawal, the company is refusing to release the funds. 

They are stating " fraud prevention '' and creating significant barriers to completing the withdrawal including : - picture of myself holding : -- picture of my ID -- handwritten note stating the exact withdrawal amounts & exact cryptocurrency address for the withdrawal destination While on the face this seems as protection against fradulent transactions, in practice these are nearly impossible to accomplish due to the following reasons : 1.  Cryptocurrency hashes are long and impossible to remember. Often the requester address changes and by design for some currencies so they are 1-time use. 
2. Crypto amounts are not easy to remember as they contain many decimal points making them virtually impossible to remember 3. When logging in to their site at poloniex.com all information is blocked so it is impossible to view any transaction history including the addresses and amounts listed above, making the requested information pretty much impossible to find. 
4. I hate pictures of myself. I should not be required to provide this and find it to be an egregious request compared to standard ID verification, which I have already completed when becoming an account holder. 

I communicated my concerns to the company, but they have refused to offer any other method and are refusing to release my funds.
Product: Payday loan, title loan, or personal loan

I was checking my billing statement with my current loan servicer and according to the statement it only shows the Interest Due on the account. When doing the math of my payment minus the interest due it does not give me the actual balance in the account. I called the company to advise them of this discrepancy and I was advised that this is the way that they run their business. They only display daily monthly interest charged from the due date to the cycle date. So there is no way of seeing the total amount of interest I paid every month. They offered to send me a detailed document showing the total billed interest for the month and I explained that this information should be included in each statement so any user can do the math and can see where their money is going. They explained that is not how they do thing and that there was nothing that can be done. This is clearly deceptive as a customer can not clearly see where his money is being applied each month.
Product: Checking or savings account

Overview : I contacted Ally to try to get information about what appeared to be a smaller interest payment than I expected on an IRA CD, and, after several contacts with their people, when I was given assurances that I would get an explanation within a few days, I have still not gotten any feedback. 
Details : After receiving a 1099 from Ally for my IRA CD, I noticed that the interest paid on the CD seemed lower than what I expected. On XX/XX/XXXX, I called Customer Service ( XXXX ) and asked about the difference in interest. She spoke to someone in Deposit Operations, assigned a Case Number, and indicated they would email me a spreadsheet showing the calculation. I was told to call them back if I had any further questions after receiving the spreadsheet, and the Case Number would help in getting any questions answered. On XXXX XXXX, I received the spreadsheet, which showed interest calculated to be several dollars greater than what was posted to the account. In addition, I calculated the expected interest using the published XXXX for the account, and that number was almost {$9.00} greater that the interest posted. I called back on XXXX XXXX and spoke to XXXX to ask about the differences in interest ( posted amount vs. Allys calculation per the spreadsheet and vs. the XXXX  number ), and I was told Id get a call back within 1-2 business days from someone in the IRA Dept . who would answer my question. When I didnt get a call back by XX/XX/XXXX, I again called ( spoke to XXXX XXXX and was told someone was assigned to the Case, and I would get a call back the next day. On XXXX XXXX I received a call from XXXX, who was checking whether I was satisfied with the service provided by XXXX, and I told him I had been expecting a follow-up from someone, but had not received it. He checked the file and found that the person who was supposed to handle it ( XXXX XXXX was unable to do so, and XXXX was now assigned the case, and it would require 3-5 days to respond. I told him I was disappointed in the run-around I was getting, and I would like to speak to his supervisor. The Supervisor ( XXXX, in Executive Customer Relations ) told me the case was escalated and Id get a response within 3-5 days. He was willing to call me at XXXX on XX/XX/XXXX to advise me of status. XXXX called on XX/XX/XXXX, checked with the IRA Dept, and indicated someone would call back later that day. I have still not gotten a response. 

In addition, when I checked an online website ( XXXX ) regarding daily interest to achieve the XXXX advertised for the account ( 2.40 % ), it indicated a daily interest of 2.37173 %, not the 2.32402 % used in Allys calculation. 

I am disappointed in Allys poor customer service and failure to answer what seems to be a reasonable question. Hopefully filing this complaint will encourage them to provide a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am both disappointed and frustrated at the lack of due care of my credit profile. This entire process has revealed both incompetence and straight-up lies. I have filed several disputes directly to your agency and through the CFPB. Yet you continue to post an erroneous bankruptcy. 
XXXX XXXX  Your response to my dispute is that you investigated the matter and that the information is coming from XXXX XXXX. You are either lying about investigating or you are lying about the results. XXXX XXXX has REMOVED this Bankruptcy because they have admitted this was a mistake. I sent you the letter in the first CFPB. I am sending it again. Attached : XXXX XXXX report FCRA 609 ( e ) Since you will not correct this matter professionally, I had to file a formal police report to exercise my rights under the FCRA. This error is hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I request that this public record and all accounts associated with it be blocked from my consumer credit file. I do not want you to put any freezes or alerts on my credit report. I do want you to send an updated credit report with FICO score once this is resolved. Please do not continue to stall. I am very litigious and represented by Attorney XXXX XXXX both personally and professionally. I am 100 % willing to work with Equifax to resolve this matter as soon as possible. 
Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent money to the wrong account from My Bank of America account to an account in XXXXXXXX XXXX XXXX XXXX. I contacted Bank of America within 2 days and found out that the account number was wrong and asked the representative to cancel the transaction. I asked multiple times and she said it will be canceled. 
I sent another transaction to the right account number and it went through. I found out the next week that my first transaction went through. 
I called XXXX XXXX XXXX  XXXX immediately and found out that the account belongs to transferwise. I contacted them and they emailed me back stating unless XXXX Bank contacts them they can not help from their end. 
I have asked Bank of America to get in touch with them, and XXXX Bank did not respond. I called them and a representative told me that they need to email them. I shared this with BofA and they stated they emailed them and had not gotten a response. I emailed them last week and still have not gotten any response. 
How can they keep this money when it clearly was not theirs to keep? 
I have exhausted all options at this point and want my money back in the amount of {$3200.00}. 
I have been on the phone with Bank of America for at-least XXXX times with an average of XXXX hour wait time. 
I am appalled that the transaction went through even though the account did not belong to the receiver and clearly the name was wrong on the account.
Product: Checking or savings account

opened a savings account yesterday afternoon successfully, but couldn't log in today... website saying " temporary locked ''. Called their CS and verified all my personal infomation, been hold for more than 40 mins and then they told me my account has been permenantly closed, no reason explained! What an excellent bank! Well done!
Product: Credit reporting or other personal consumer reports

I am compelled to address a persistent issue regarding inaccurate information on my credit report. Despite submitting multiple disputes, complete with clear documentation, your agency has not corrected or removed the erroneous information. 

As mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are responsible for ensuring XXXX % accuracy in reported information. By failing to act on these inaccuracies, you are in violation of this requirement. I insist that you take immediate corrective action to investigate and ensure my credit report accurately reflects verified information only.
Product: Mortgage

My mother had one last payment which came out of her account for the past 20 years, she passed away before the last payment was made because the bank place the account on hold. We called Select Portfolio Servicing and they gave off the payment amount, we sent the amount in and they refused to accept the payment saying she owed a ballon payment of the original amount financed. They refuse to communicate and saying they placing the home in foreclosure while we are in probate trying to settle her estate. They paid the future tax payment which is not due until XX/XX/year> to block us and place a lien on the property
Product: Mortgage

We applied for a forbearance with the option of the XXXX XXXX. XXXX XXXX and XXXX are to be our protected months and we told them we can start making XXXX payment now. Now they said that the payment I make in XXXX will go to XXXX because my application is not complete and that I will show late for my XXXX payment. This is wrong because Im protected for these months. I requested this to be completed months ago. We need the XXXX XXXX put in place so we can resume our regular monthly payments. Please have our application expedited. Our credit is protected by the forbearance and we will file complaints if reported to our credit as late because they have delayed our application.
Product: Mortgage

My husband and I started the application process with Wells Fargo in late XX/XX/2020 for a property being sold 'As Is '. We submitted all the required documents right away. From the very beginning, we had severe communication problems on their end, including constantly keeping me out of the loop by persistently not cc'ing me on the email. XXXX XXXX was assigned to our application but throughout the process was in and out of the office for extended periods of time. In the off times, his supervisor XXXX XXXX would " assist '' us with the process. We were given misleading information regarding what accounts could be used for collateral ( it was admitted in writing that underwriting made a mistake on that ). Because of the failure in getting up-to-date information about our process upon returning, Mr. XXXX gave us inaccurate information on several occasions. Ultimately, those mistakes caused us to lose out-of-pocket money towards closing products that we would not otherwise have purchased had they done their due diligence of reading the contract. We asked on SEVERAL occasions if there was anything else besides meeting the minimum reserves ( the delay in securing funds was their fault for providing wrong information initially ) and we were assured nothing else was in the way of closing, just to be notified, weeks later, that they now needed the home that was being sold AS-IS for XXXX, to be completely renovated before a loan could be secured. It was stated in the contract, that WF had from day one, that the house was sold AS IS, pictures were also readily available online showing the current state of the home inside and out. Upon quick research online, it seems that WF has done the same to a lot of customers in the last feel months. I would recommend you look into it for they are to receive money for the appraisal that we are not allowed to shop around for loans they do not intend to grant. During the process, we filled a complaint with WF 's own complaint department ( XXXX XXXX was assigned the complaint ) to try and resolve ongoing communication issues. That was a mere act of formality that yielded no results. The complaint was closed on the assigned date without any sort of solution nor change in behavior.
Product: Consumer Loan

Making payments on time to Well Fargo. XXXX completed a credit check and determined that our account should be closed, so Wells Fargo closed it. 

I am working to keep our credit as good as possible, although we are having trouble. I paid this bill one time each month and now get to pay a bill to a closed account. Very discouraging and hope to never have to deal with Wells Fargo in future once this is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Bank # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX
Product: Credit card

I am writing to formally dispute the excessive interest charges applied to my account ending in XXXX associated with the financing of a mattress, boxspring, and bed frame purchased on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Upon reviewing my account statements and payment history I have discovered the total interest being charged is nearly double the cost of the original item. When contacted representative after reviewing statement I was told a was eligible for a grace period of three days after promotional period ended on XX/XX/XXXX. This outcome is not only unexpected but also to disproportionate and inconsistent with the statement closing date XX/XX/XXXX and the promotional period ending date XX/XX/XXXX. 
The original cost of the item was XXXX intrest charged to date is XXXX. The balance before XX/XX/XXXX was only XXXX which I agreed to pay when statement arrived in the mail with excessive interest charged. I was declined to do so by representative despite promises of extension of promotional period. The fair agreement terms were not disclosed at the time of purchase. The intrest calculations appears to be excessive and may violate principles of fair lending practices.
Product: Checking or savings account

Okay i had a account with Citi bank and i had gotten a check in the mail so i deposited into my account they approved it and i was using my account like i usually do then XXXX days later i get a email saying i violated the terms of the agreement and that all my accounts would be close am like okay why so i called them asking why they said cause of the check i deposited i was like okay if it was the check then why did youll approve the check in the first place so i was like okay i guess i had my income tax direct deposit to this account and i told them that and they told me that more likely they will reject the deposit and then i get a notification a few days later that the deoosit was in my account after someone from the bank told me that they rejected the deposit i heard different stories from different workers so i asked them to close my account now cause i need my money to pay my bills and they tell me that i have to wait 60 days and i told them respectfully i cant wait that long for me to get my money they are refusing to close the account and give me my money i got a letter from my auto loan saying if i dont make a payment by the XXXX there gon na reposses my car and i mention that to them and still they dont seem to care and i told them that i was gon na write a complaint about the bank and service i am getting and i would go in person to the bank but there is not a branch near me the closes branch is in california i XXXX in texas
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Several dispute requests have been sent to Equifax, XXXX, and XXXX with no responses at all. The Credit Bureaus are not processing these disputes at all. Every time, I send out dispute requests they are not investigating them at all. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

My disputes are attached to my complaint, and I want all of them disputed with XXXX, Equifax and XXXX and I also want to know the method of validation. 

Thank You,