23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On 2 different occassions in XX/XX/XXXX and XX/XX/XXXX we were told by Citimortgage that we could defer our payments, but we werent told that the interest would add up and come due immediately at the end of the deferment period. This added to our loan and violated deceptive lending laws. Following the deferment period we were pushed into a partial claim agreement in XX/XX/XXXX. We were already struggling with our mortgage payments and trying to save our home and were given the runaround. We were kept in the dark about our options and burdened with excessive paperwork. In the end we were slapped with sub ordinate notes requiring us to pay {$32000.00} which was 3 to 4 times the amount we were behind on payments. 

CitiMortgage misled me and did not notify me following the settlement with the Consumer Financial Protection Bureau in XXXX.
Product: Mortgage

I do not know why or how I was being overcharged. That is why I am trying to determine from Well Fargo, but they repeatedly -- after phone calls and directly letter writing to them -- -yet they refuse to do so. I am also forwarding CFPB my latest letter to them as part of this complaint.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is currently reporting a hard inquiry to my credit file, I have never given the permission to do so. I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.
Product: Debt collection

I paid my debt of {$190.00} on XXXX XXXX, 2016 to XXXX. I repeatedly get letters from Transword systems inc. Account # XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

on XX/XX/2022 I made a reservation for XXXX totally XXXX which includes XXXX in insurance. shorty afterwards I canceled the flight and insurance. I was toldthat my funds would go back to my card immediately because the funds where never transfered to the airline 's system.I called XXXX XXXX XXXX  days later to file a dispute, I was told to contact XXXX because they have a 20day hold on my account and since the charge is stil lpending I can not disputethe charges, I have called XXXX several times and they said the hold up ison XXXX XXXX card. Today whenI call XXXX XXXX  confirmed what XXXX said that the funds where never transfered tothe airline and the hold is on their end, but they refused to release my funds. I have spoke to several supervisors whohavehung up on me. i have requested for a manager to callme on several occassions, I'm been told that theres no manager only CSR and supervisors.I have asked several times to have a ticket submited for a call back and I have been denied. Because of these people I wasnot able to have all of things moved out of my old apartment and into my new apartment. I was being charged {$140.00} an hour, so still today I have things still in my apartment that needs to be moved and the landlord is still charging everyday that my things remain in the apartmentandthe garage.I am physically not able to move the items, due tothe factthat I was being charged i was trying to move as much myself as I could and I have been in bed for the last 2 days because of the pain.The bank has no reason tohold my money except for the fact they want to. I suppose they are making interest no matter how small the amount, I'm sure when they hold enough ofthe consumers small amounts for 20 days they have some kind ofbenefit other wise they would not be holding it
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I XXXX XXXX been with Capital one for 11 years now. In the 11 years being with Capital one I have got three different cards went the company. I have managed to keep all three of my accounts in good standings, and recently get all my balance down to XXXX. Now that I have been adding my family as Authorize users capital one has restricted my accounts from me doing anything. I am totally aware ND TAKE FULL responsibility for each and every one of them as agreed when I added them. So why is capital one restricting my account asking me to provide I.D . AND Social Security card for each of them, and stated to me even if I removed them my account still will be restricted until I do so. Some of my users don't have this information is why they on my account to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the negative marks on my credit report on XX/XX/22 by sending a letter to Equifax and they have not responded within a timely fashion or at all.
Product: Credit card

Today I reviewed my current credit report. I was surprised to discover that Wells Fargo has not removed credit card ending in XXXX from my credit report. This card was paid off and requested by me to be closed in XX/XX/year>. I then called customer service at the telephone number listed at the bottom of Wells Fargo credit report XXXX XXXX XXXX. I spoke with customer service rep " XXXX ''. After confirming the card is infact closed and paid off, she advised me I would need to request in writing to have it removed from my credit report. When I explained that I shouldn't have to waste more of my time writing a letter to get this card off my credit report. 
XXXX then transferred me to a very rude unprofessional " higher up '' by the name of " XXXX ''. This person didn't listen to me. Proceeded to talk over me. Told me unless I had a pending mortgage she would not remove this account from my credit report. Because of her rudeness I ended the call I have a recording of both conversations for my records.
Product: Credit reporting or other personal consumer reports

Company is reporting XXXX, XXXX and XXXX late payments and based on law *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from m credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX2025 I noticed unauthorized charges from my checking account. There were a total of XXXX, XXXX had posted and XXXX were pending. I called Chase to notify them. The charges were to XXXX XXXX  for XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX The representative put in a dispute for the XXXX that had posted, said he put in something for the pending ones, cancelled my card, and ordered a new one. He said I would receive a provisional credit within 10 business days after the pending charges posted. I received a letter from Chase today stating that the claim was closed and no credit would be given and to contact them to request the information they used in their investigation. I called them and spoke to a representative and a supervisor. They both told me the claim was denied because there were valid charges on the account between the fraudulent ones. The first representative said they needed documentation from me that I didn't make the charges but could not tell me what documentation they need. I asked to speak to a supervisor. She also said that there was no proof of fraud due to the other charges I actually did, such as my car insurance. I again asked for the information used during the investigation and she said there is no information available and there was nothing more she could say or do. I asked for the address for their legal team and she said she did not have this either and no credit would be given. I asked how I am supposed to prove I did not do something and she couldn't tell me
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE XXXX Account # XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE
Product: Credit reporting or other personal consumer reports

I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report that are inaccurate. After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts? 
Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me? 
Were any third-party databases or external records consulted in the verification process? 
Furthermore, I have been informed by the creditors associated with these accounts that the accounts were erroneous. This appears to be a case of erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 
Given the severity of this issue, I request that your agency : Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 
Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 
Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 
Please consider this letter as a formal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$25000.00XXXX XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies in the amounts I owe on credit cards and the XXXX XXXX XXXX has been paid off. I have tried to file a dispute online but will not work.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment resulted from a misunderstanding regarding the payment due date, which was incorrectly communicated to me by XXXX XXXXXXXX. I made the payment on time according to the information I had, but due to this miscommunication, the payment was recorded as late. This does not accurately reflect my payment behavior, and the late payment mark should be removed. 
Evidence Provided : Bank statements showing the payment was made according to the information provided. 
Correspondence from XXXX XXXXXXXX acknowledging the communication error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I submitted an online dispute XX/XX/XXXX with Transunion for a collection notice that appeared on my credit account a week prior from XXXX XXXX in PA, on behalf of XXXX XXXX XXXX. I also mailed certified notices XX/XX/XXXX with complete documentation to both XXXX XXXX and XXXX XXXX XXXX that prove and show I never had a contract with them. I never had any signed contract with XXXX XXXX XXXX and their claim is invalid and fraud. I had a signed contract with another company for restoration to my home which flooded during Hurricane Florence. Since XXXX XXXX   worked with the other company they asked me to pay a 60-40 split to each company which I did. I have also email and texts to that effect. I submitted their itemized bill to my insurance company and they also dealt directly with my insurance agent and submitted the scope of their work. There were 2 items that were found to be incorrect in their billing and they were notified as soon as it was discovered and requested to adjust their billing. XXXX XXXX  stated in an email they " would be happy to adjust their billing '' to the correct amount. XXXX XXXX   XXXX billed incorrect square footage and they threw out salvagable door parts. The insurance loss disbursement adjusted for the correct square footage and refused to pay for parts the company threw out haphazardly. The total billable was {$25000.00}. The amount deducted was {$2000.00} for incorrect square footage measurements and {$720.00} for parts thrown in dumpster. I paid {$22000.00}. I have recorded telephone call from XXXX XXXX who stated if they did the work, their bill would be no more than {$10000.00}. I also have text message stating they were owed {$10000.00}. I paid them a total of {$9000.00} after the deductions. They never billed me the amount they submitted to the XXXX XXXX, nor do I owe anything to them at all. I sent cancelled checks, signed contract, copies of emails and texts supporting all of this including legal sketches of house showing correct square footage. This claim is completely wrong and false and fraudulent. I can provide proof of the entire fraudulent claim proving I owe nothing and in fact overpaid them.