23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are long-time Wells Fargo customers, in fact, when we use the ATM or sign on to online banking, the message thanks us for our 25+ years of being customers. In the XXXX XXXX, XXXX edition of the XXXX XXXX, there was an article about the ongoing sales practices that led to the current scandal. The article addresses a report that says the problems in the banks sales culture date back to at least XXXX far earlier than the bank had previously said We wrote to then CEO XXXX XXXX in XXXX about an unnecessary home equity line of credit that ended up costing us {$500.00} in fees. We did not need the line of credit and in fact, never used it. The banker at the time said it was good to have just in case. We were told in a later phone conversation by XXXX ( XXXX ext. XXXX on XXXX/XXXX/XXXX XXXX XXXX PT ) and XXXX ( XXXX XXXX ) that there was no pre-payment penalty. A full year later we recalled that the line of credit was sitting unused out there and considered using it for a kitchen remodel. We were unable to use the loan because of subordination so we closed to line of credit, again, without ever using it and were charged {$500.00} for an unnecessary, unwanted and unused line of credit. The response back from Wells Fargo was a cold form letter, not customer-centric and certainly not something we expected. Now that the banking scandal appears to pre-date the line of credit, I requested information on the entire process of the line of credit. Was the employee who signed us up for the unnecessary home equity line of credit paid a commission and/or bonus? Were they part of the scandal? Were they fired by Wells Fargo? Was anyone else involved in the line of credit a part of the scandal and did they receive commission and/or bonus for the loan? I requested yet again, that we be refunded the {$500.00} we were charged for an unwanted, unnecessary and most importantly, unused home equity line of credit.
Product: Vehicle loan or lease

I applied for a loan through Chase bank and I was denied an extension of my own credit they failed to uphold a fiduciary obligation.As well as the car dealership. They violated 15 USC 1605 truth in lending at determination of finance charge. As well as 15 US C 1611 criminal liability for willfully and knowingly giving me false information. Why because its public information and if its public information that means they should know it and theres no excuse to break that law I plan to speak with them this morning to resolve this issue.As the trustee hopefully they do right by me the beneficiary.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the account. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I volunteered to surrender my vehicle after repossession. They told me that the vehicle would be sold at auction on XX/XX/year>. Said the amount the vehicle was sold for what be subtracted from the loan amount and still to this day the balance is increasing as well as its still being reported to my credit as a repossession XXXX as of todays date. This is effecting my credit score as Im currently trying to build and pay off debts. I have filed many disputes with XXXX with no results changed.
Product: Debt collection

I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the XXXX X XXXX day late payment as a courtesy to a military veteran. I am now XXXX  % covered by military XXXX, and I also work full time running my own business. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and am disappointed that XXXX has not removed the disputed account. As a victim of identity theft, I filed a report on XX/XX/year>. The XXXX account ( Account # XXXX ) is unauthorized and results from identity theft. Despite providing sufficient documentation, this account remains on my report. 

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, states that a consumer reporting agency must block information resulting from identity theft within 4 business days of receiving proof.

I urge you to remove this fraudulent account from my consumer report immediately and ensure compliance with federal law. I have provided all necessary documentation, including police reports and affidavits, proving my identity theft case. This unauthorized account continues to harm my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported LATE PAYMENTS for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX : The financial institution and the consumer reporting agencies Equifax and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to Equifax, XXXX or XXXX XXXX XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED.

15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option.

ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law. 
15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : 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.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXXXXXX {$15000.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXXXXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX Balance : {$35000.00}
Product: Credit reporting

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with XXXX & Equifax advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on XXXX and equifax
Product: Mortgage

To Whom it may concern, We own a home in the XXXX XXXX XXXX in XXXX MO. Wells Fargo has our loan. Last year they jacked our mortgage payment from XXXX to XXXX a month. 
We are in the middle of dealing with Covid 19. My husband started a XXXX XXXX business about 7-8 months ago. It's extremely small and we've been struggling since XXXX to get steady work. Now hardly any work is coming in from outside customers for fear of contamination. 

Today, XX/XX/2020. Wells Fargo sent another letter stating that they were raising our mortgage again from XXXX to XXXX by next month if we don't pay X amount of dollars. 
We are outraged at the indecency of this company ( a XXXX  dollar bank ) for coming at us for more money at a time like this. We are barely making it right now with all the panic and fear running rampid. 
We tried to refinances a few months ago but our business has to be in operation for 2 years before we can. 
It feels so cruel and heartless. 

Can you help us? Can you speak on ours and I'm sure others behalf to not raise mortgage on their customers during this time in our nation? 

Please and thank you. 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XXXX to Experian, XXXX, XXXX, XXXX XXXX  here are my tracking number XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making since.According to the law 15 U.S code section 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card

On XX/XX/XXXX I paid on-line for the XX/XX/XXXX bill, {$220.00} for account pay off when due date was XX/XX/XXXX. 
On XX/XX/XXXX for the XX/XX/XXXX bill, I paid on-line {$250.00} when the amount due was {$29.00} on XX/XX/XXXX. 
Then on XX/XX/XXXX I received a text msg that my account was past due. I checked the account online and it too claimed it was past due. 
I called XXXX and spoke to XXXX re : the error, asking her to fix it and provide proof of that and that no negative credit report was done. 
She claimed there was no error and that my payment of {$250.00} " was applied to the previous billing cycle. '' I tried to explain that made no sense because my XXXX XXXX payment of {$220.00} was made on XX/XX/XXXX and that the {$25000.00} was my XX/XX/XXXX payment which was not due until XX/XX/XXXX, when the payment due was only {$29.00}. 
Again she claimed there was nothing she could do. 
I have never been late with payments and always pay earlier than due dates. 
After our conversation on XX/XX/XXXX I felt so violated that I made another payment on line for {$50.00} which I should not have had to do if they had calculated my account and payments correctly. 
I still want written evidence that they have corrected their errors, and they have removed any " late '' notations on my account and have not done any negative credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Transunion credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnon is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Please correct or delete the following : XXXX XXXX XXXX XXXX XXXX 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 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 have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

I have received several forbearances on my loan while being unemployed, and the interest has compounded unfairly on my principal balance. My payments have been so low, I have unknowingly increased my loan balance significantly.
Product: Credit reporting

Consumer filed a complaint with CFPB about Transunion 's ongoing reporting from XXXX. Since there is an investigation and that Transunion stated to CFPB that it would take 60 days to investigate, this investigation is hindering my access to my credit report. Just Monday, XXXX XXXX, 2016, I tried disputing an illegal entry from another creditor, and could not get assistance. I was transferred five times because other reps did not have access to my file. I ended up leaving a message on a voice mail with SS #, phone number, and name. Someone did call back and kept asking " did you call for XXXX, '' giggling, and kept mispronouncing the creditor I was disputing. The phone rep stated that she had removed the illegal entry, but kept inquiring about XXXX. Consumer discovered that the Transunion Priority Desk rep had given me an incorrect balance that was reporting from the creditor, so I called back and left another voice mail message with SS # and phone number because I was not sure the illegal item was deleted. Consumer is trying to close on a mortgage loan, and this weird stuff keeps popping up on my Transunion credit report. 
That same day, the mortgage lender, e-mailed me that XXXX ( that had been reporting paying as agreed, though with a bogus balance ) was reporting a charge off. Another XXXX illegal reporting tactic that has been going on for a year. For two days, consumer has not been able to reach this Transunion Priority Desk to dispute this item. Consumer, also, received XXXX credit reports from Transunion, today, dated XXXX XXXX, 2016, that I did not order.
Product: Checking or savings account

I went to a stand alone Chase atm and deposited {$100.00} cash into the machine. After it took my deposit, the machine went blank and my deposit was not credited to my account. This was on Sunday, XX/XX/XXXX between XXXX in the XXXX. The atm is located in XXXX XXXX, MI on XXXX XXXX and XXXX XXXX. I took pictures of the screen at that time it was blank.
Product: Debt collection

Zwicker and Associates filed a lawsuit on behalf of XXXX XXXX back in XXXX. Zwicker than failed to prosecute the lawsuit for 15 months, until they realized my address had changed. Zwicker deliberately sent court notices for a summary judgement hearing to an address they knew was no longer a good address for me. They were able to get a summary judgment because I was not at the hearing. The deliberately tried to " back door '' a summary judgment by unethically, and in violation of due process, giving notice to an address they knew was no longer a good address. The court issued a judgement after the hearing back in XXXX. Four years later I became aware of the judgment. Zwicker sat on the judgment, without my knowledge there was a judgment, for four years ; in hopes of someday being able to garnishes wages of accounts. Once I found out about the judgment I filed a motion to void that judgment for due process violations, etc. The court voided the judgement. However, the damages is done. Had I been aware of the judgment that Zwicker unethically obtained and secretly sat on, I could have filed for bankruptcy protection over 4 years ago. Please hold Zwicker responsible for the abusive and unethical collections practices.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a complaint against Experian regarding inaccurate information on my credit report, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). The details of my dispute with Experian are as follows : On XX/XX/XXXX, I contacted Experian to address the inaccuracies present on my credit report. Unfortunately, as of today 's date, I have not received any response from Experian. 
The inaccuracies pertain to the following accounts : XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened XX/XX/XXXX, Balance : {$22000.00} ) The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$520.00} ) The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$500.00} ) The account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$120.00} ) The account was never late. Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my report dated XXXX XXXX XXXX I have identified several discrepancies and accounts that I do not recognize. As such, I request that these items be promptly investigated and either corrected or removed from my report, as stipulated by Section 611 of the FCRA ( 15 U.S.C. 1681i ).

The FCRA mandates that consumer reporting agencies implement reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Moreover, 15 U.S.C. 1681s-2 imposes a duty on information providers to refrain from furnishing data they know, or have reasonable cause to believe, is inaccurate. This provision further obligates consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing due to inaccuracies, incompleteness, or because they do not belong to me : Accounts to be Investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you investigate these inaccuracies and provide me with a written response detailing the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting any necessary corrections. 

Thank you for your prompt attention to this matter. Should you require further information to assist in your investigation, please feel free to reach out.