23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX I requested a stop payment on a check that was mailed to me by XXXX. I was informed it would take up to XXXX business days for the check to be voided and new one be submitted. I've yet to receive the check and although I've contacted the bank multiple times and waited for return calls without avails. Finally, on XX/XX/year>, I was informed they're not able to send me the check as their printer is not working! How does a major bank such as this one, not have any other means to print such documents? I even requested for the amount to be transferred to my savings account as it's still open, but was informed they're not able to do thus.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.SXXXX Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Mortgage

Wells Fargo unfairly prevented me from making modifications to my home loan to avoid foreclosure. I believe I have suffered from instances of abuse and/ or neglect. 
This is a case of my loan application being denied when it should have been approved. 
My lawyer and I went to a Mediation with Wells Fargo, and everyting looked good to have my loan redone. The representative from Wells Fargo mentioned to us before we left that he didn't see any problem with getting this loan modification approved. After i was denied my lawyer and I concluded that Wells Fargo was not trying to help me, and was not going to modify my loan under any circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially made a payment to XXXX XXXXXXXX in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly XXXX XXXXXXXX has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX  XXXXBalance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

three accounts US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX all three accounts were not in my name and are too old to be listed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested information from Equifax via online and in writing about an account with XXXX XXXX account ending in XXXX. I did receive a response however they did not supply the full history. What they sent was partial history. They are showing the account was 2 months behind but at no point are they reporting 1 month. This isn't true investigation.
Product: Credit reporting 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. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/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 XX/XX/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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Therefore, let it be known : On XXXX XXXX, Equifax systems were hacked and my personal information was improperly stolen, not limited to and including : My Social Security Number, My employer, My phone number, My address, My credit information, and My name. This was an unlawful event that could have been avoided had Equifax properly secured my personal information. 

Furthermore, Equifax had a number of Executives that cashed out their stock days prior to this incident without scheduling a XXXX. This is theft of not only my information, but also willfull ignorance ( deciding to do something KNOWING the consequences and proceeding anyway XXXX. This is unlawful and unacceptable use of my personal information and my identity information. 

All those responsible for this breach, for enabling this breach, and for the results of this breach are in violation of lore - in the violation of my human rights of privacy and security. This is a theft of my privacy, security, and ultimately of any time, value and currency that I have invested into Equifax. Therefore, All that was stolen must be returned at XXXX the value.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Experian and XXXX credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with Experian and XXXX credit bureaus. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the accounts via FCRA. They have failed to remove the accounts, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts be verified nor be corrected from my report immediately : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Mortgage

I reached out to new rez to inquire about removing my PMI in XXXX of XXXX. After several chats back and forth they finally sent me a form to sign and send back along with a check for {$150.00} dollars to pay for the Brokers Priced Opinion on the value of my property. After repeatedly following up I was told that my request was denied and had to have them resend the letter via email that I never received via XXXX. I finally got the copy of my XXXX sent via email as well after 3 emails, 15 phone calls and 5 chat sessions. The problem I am having is the length of time taking to resolve this issue is insane. By the time I got the copy of the XXXX I was 60+ days into this process only to realize the report contained gross errors of about 315 square feet because my home was remolded and the person that did the report did not remeasure and used old data on the county assessors website. This severely effected the valuation on my home so I requested a revision at the end of XXXX. At this point nobody from New Rez will acknowledge the discrepancy even though the company hired did a correct revision adding the square footage and sent the valuation back to New Rez for review. We are nearly SIX months into this and I still have no resolution on the removal of my PMI even though I have more than sufficient equity in my home. The last customer service rep I spoke with said I would have to pay for an additional XXXX  to address the concerns which is absolutely unbelievable that I am being punished at the incompetence of the company they hired. I should be allowed to challenge a factually incorrect report and use the updated value submitted by XXXX XXXX. The XXXX states my home is worth XXXX and I owe XXXX. Instead of being concerned with removing the over {$200.00} a month in fees new rez has continued to solicit me for a home equity line of credit or loan and will not address the primary issue of unnecessary fees on my home loan. {$200.00} a month might not be much to some but I have been dealing with this for what feels like an eternity. At what point does this become theft? Continuing to charge a premium for something that is completely unnecessary for their financial gain.
Product: Money transfer, virtual currency, or money service

On XXXX my insurance Adjuster made 5 payments to my chime account but 2 of the payments was for my boyfriend. So chime sent me a email saying they couldnt deposit the money because he was not on my account. So they only deposited 3 of the 5 which had my name on it. Then on XXXX chime went back in my account and took 2 of the 3 payments they deposited in my account.

2 of the payments was XXXX each and 3 payments of XXXX. 

My adjuster did a void on my boyfriend 2 payments and they bank received those two payments back but the money missing out my account was not returned to the adjuster bank.

Chime banking- XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( my adjuster name is XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX I received a call from customer service telling me that I had been approved for a XXXX XXXX loan. I was in dire need and I requested the money. On XX/XX/XXXX a payment of XXXX and some few cents was withdrawn from my checking acct.for payment. I now owe these people over XXXX. I sent a message to cancel this account but didn't get a reply. This is nothing but a scam on poor people
Product: Checking or savings account

XX/XX/year>, I've called and spoken to XXXX supervisors from Goldman Sachs regarding my CD 's account. XXXX, XXXX supervisor refused to escalate my concerns and refused to transferred to a manager when asked. They charged penalties just half day over the 10 days period before I can get the chance to call to make changes to my account. Therefore, I closed my CD 's account and charged unnecessary fee of {$13.00} just for half day late of 10 days grace period without solving my problem and letting me to communicate with their manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. XXXX & XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual XXXX. XXXX XXXX BANK Last reported XX/XX/XXXX {$25000.00} Reported balance Credit limit {$23000.00} You're using 109 % of your account 's limit OVERVIEW Credit limit {$23000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 4XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance Credit limit {$5000.00} You're using 117 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$170.00} Opened XX/XX/XXXX ( 3 yrs, 1 mos XXXX 5. XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$1000.00} You're using 118 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$74.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 6. XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Reported balance Highest balance {$15000.00} You've paid off 12 % of this loan OVERVIEW Highest balance {$15000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 60 months ( 5 years ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Product: Credit card

i have XXXX accts with them quick silver, capt XXXX reg card, walamart my rewards never post on these accts, also if XXXX lower inst rate can b on these accts, quick silver reeward never XXXX
Product: Credit reporting or other personal consumer reports

Several years ago I filed legal action against Experian after they refused to remove an account off of my credit report. Since that time, Experian has not permitted me to file a dispute in a manner consistent with their standard operating procedure, which is to file online and have it be resolved. Each time I am instructed to call or to send the dispute by mail. I feel this is unfair and it violates my rights under the Fair Debt Collection Practices act and other applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with XXXX Fed. On XXXX on or around XXXX it was removed from my credit report and then replaced with out a notice stating that it was going to be replaced via transunion.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 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
Product: Student loan

Issue 1 : Navient reported account negative and have a forbearance dated on XX/XX/2018. Correct credit report. Issue 2 : I asked for lower payments and still haven't got it reduce per representative. Issue 3 : This account was list in my bankruptcy discharge paper work and they said it would be off my credit. The cosigner is responsible.
Product: Mortgage

My original mortgage was sold to another company - Mid America Mortgage. My taxes were assessed and my escrow amount increased. I paid the amount in full in order to avoid an increase in my monthly mortgage note. The company did not apply the amount to my escrow. This has been 2 years of a battle, I call at least once a month. I speak to multiple different employees, supervisors, etc. I have been promised the error has been corrected. However, since then - my insurance was not paid out of my escrow - as was originally set up. And each month, I get charged for late fees and past due amounts. Even though I have paid every month on autodraft from my bank, have always paid each month in full or over, have paid my escrow in full. I have been promised each month this would be corrected. It has not been corrected. I attempted to refinance with a different company, however due to mid americas error, it looks as if I am in poor standing on my mortgage. but I have paid every single month. one representative even admitted there was no incentive to correct the problem because I would refinance with another company. I have never had this issue with any mortgage company before. I am infuriated that I pay my bills - in full and on time - and their error reflects poorly only on my end.
Product: Credit reporting or other personal consumer reports

I just finished further reviewing my Experian Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted from my Experian Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

We received a Loan with Seterus INC for the orginal value of {$390000.00}. We were paying PMI of {$300.00}. We refinanced through HARP because we wanted to get lower interest rate and shorter term ( 15 years ) and to be able to cancel the PMI sooner. No appraisal was done and we refinanced through Seterus Inc for the original loan value of {$390000.00}. I requested PMI to automatically terminate as of XXXX XXXX, since our LTV was below XXXX %. They are now saying that because we refinanced through HARP, our PMI does not automatically cancel until XXXX XXXX. We never changed the loan agreement based on the Original Loan value of {$390000.00}. Now, Seterus Inc is asking us to buy an appraisal for {$350.00} to assess the current value of our home. This is fraudulent.
Product: Debt collection

There is an item on my credit report that I am unclear on. It is showing that the creditor is XXXX and is reporting as a charge-off with a balance of {$0.00}. I disputed this account with the 3 major credit bureaus, XXXX, XXXX, and XXXX. I requested on various occasions that they investigate the item and provide me with details of their investigation. To date, I have never received a response from these bureaus, so I am still not clear as to what this item is. I decided to send dispute letters directly to XXXX. My first letter to them was dated XX/XX/XXXX and I asked to see the following items : * The complete original alleged promissory note that shows my signature * The account transaction history * Any required default or acceleration notices * The notice of sale document * The Calculation of Surplus or Deficiency letter * Any additional finance contracts including those related to insurance or finance products * The buyers guide * The purchase order * Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note I did not received any of these items. I received a response on XX/XX/XXXX and XX/XX/XXXX saying they did not conduct an investigation as they said they can not assist with the resolution. They stated Buyers Holding LLC is claiming to now own the debt and XXXX can not assist with any resolution. Therefore the account can not be verified as accurate reporting since it is still reporting as XXXX XXXX XXXX. This is my second time attempting to dispute this account as the CFPB has sent me a letter trying to also stall the removal of this account reporting on my report. I will submit my email address along with this complaint as requested by the CFPB. Please ensure this account is expeditiously removed from my report as it continues to damage my credit score.