23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX 2016, while living in XXXX I received a phone call from a woman in my hometown XXXX. She was trying to sell me a magazine deal paying {$40.00} a month with the reward of {$250.00}. I told her, while busy at work I was uninterested bc I was a single mom of XXXX & do not read mags nor have the money for it. She then went into how she also had XXXX daughters as far as where they graduated from & that she could get me the {$250.00} coupon for shopping online if I just paid the shipping/handling @ {$4.00} for XXXX kids mags for my boys. Due to being in a hurry at work & her convincing me there were no attachments I paid the {$4.00}. After never receiving the mags or {$250.00} coupon, a month later I was charged {$40.00} from XXXX XXXX XXXX. I called and spoke with a guy named XXXX. He then argued that I had 7 days to cancel upon that first call & bc I did n't was attached to a 2 year subscription of mags. I stated that I never signed anything, I never agreed to anything. How could I be attached to a plan I never signed or agreed upon with anyone. I argued & fought and said he was actually helping me, said he 'd note that I had 2 months to come up with the money and that he 'd lower the pay to {$20.00} a month. In the mean time I left my purse at a restaurant a few weeks later and had to get all new info. When XXXX 2016 hit and my card did n't work the phone calls began, I even got cursed at by a guy all the while I had told him everything all over again. My apartment had flooded, I had since moved and my apt had forwarded my new address. I spoke with 3-4 different people and I kept stating if you listen to all previous phone calls, which you state you have, you will know exactly what has happened. Each and every time someone new would call they said they never had trace of previous phone calls, they were horribly mean and after arguing I 'd end up crying or hanging up bc I did n't know how this was possible. They 'd state this was my fault and I needed to pay, after that went on I begin to get letter after letter stating I owed {$340.00} for what was remaining. I have had hundreds of phone calls from collectors stating they 'll accept {$200.00} to get rid of it all. The final letter I have received is from them stating I owe the {$200.00}. I owe them nothing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Dear XXXX Finance, Re : Debt Collection Validate Request We hop XXXX this letter finds you well. Our records indicate an outstanding balance owed to XXXX XXXX, as referenced by the account number ( # XXXX ), in the amount of {$3100.00} reopened on XX/XX/XXXX. 
This letter is to formally notify you that the debt has been forward to our XXXX XXXX for collection.. As part of the process, I'm providing you with a debt validation request. 
In order to properly assess the legitimacy and details if the outstanding balance, I, XXXX XXXX request the following documentation. 
2. Chain of Assignment : detailed records showing the full Chain of Agreement for the debt, including all prior holders and the documentation that proves your right to collect on this debt.

3. Purchase Agreement : a copy of the original purchase agreement or loan contact associated with the debt, including all pertinent terms, fees, and obligations.

4. Insurance Claim Documents : If applicable, any insurance claims associated with this debt and any claim payment history or correspondence that may have affected the amount owed. 
5. Proof of Signature : Documentation proving my agreement to the terms of the original debt, such as a signed contract, loan agreement, or any other relevant documentation showing my acknowledgment and acceptance of the debt. 
Please provide the requested documents within ( XXXX ) days from the date of this letter to ensure proper review and resolution of the matter. 
Failure to provide these documents may result in further actions in accordance with applicable laws. 
I appreciate your cooperation in resolving this matter and look forward to receiving the necessary documents. Should you have any questions or require clarification, please do not hesitate to contact me at my email address : XXXX. 
Sincerely, XXXX XXXX
Product: Credit card

I realize this is falling on deaf ears banks have Congress in their back pockets but I feel that it is my duty as success

ful American to voice my complaint. How can Banks charge 30 % interest on consumers with
excellent credit and payment history? Each and every member of Congress and the Presidency should be ashamed of their inactivity on this matter. While I am not currently carrying balances on my cards, many hard-working Americans do out of necessity due to rampant inflation due to corporate greed and poor decisions by governing branches. SHAME ON EACH OF YOU!! 
In closing, Im going to pick on Bank of America one of Americas most complaint laden companies. I have several cards from different banks ; how is that that XXXX continues to withdraw payments when balance is XXXX, and then takes months to reimburse? Other banks do not have problem figuring this out, why XXXX continue to pocket money not belonging to them?? And is ANYONE on our side? 
WE THE PEOPLE need someones help!? 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY REPORT ON XX/XX/2024 AND NOTICED SOME THINGS ARE STILL INCOMPLETE AND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHO THE REPORT RELATES. [ XXXX XXXX XXXX XXXX, ACCOUNT # XXXX. IS NOT COMPLETED AND NOT ACCURATE. OPEN DATE IS NOT REPORTING ACCURATE BECAUSE I DIDNT OPEN ACCOUNT, WHO OPEN ACCOUNT IS NOT ACCURATE, AND REPORTING ADDRESS IS NOT CORRECT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX
Product: Mortgage

Matter Requiring Attention : Alleged unethical treatment of principal pre-payments when monthly mortgage pre-payments were made.

-- -- Situation : In early to midXX/XX/XXXX, I made ( 11 ) monthly mortgage pre-payments and some principal pre-payments. By beginning ofXX/XX/XXXX, the principal balance was {$100000.00}. Around the first week of XX/XX/XXXX, I used Wells Fargo 's online interface to get a payoff estimate, with an anticipated payoff date of ~mid-XX/XX/XXXX. The website returned that I would be refunded ~ {$3600.00}, which seemed to make sense to me given an interest rate of 4.000 %.

On XX/XX/XXXX, I made a principal payment of {$50000.00}, resulting in a residual principal balance of {$50000.00} that remains unchanged as of today, XX/XX/XXXX.

About a week after that principal payment, I again used Wells Fargo 's online interface to get a payoff estimate, this time with an anticipated payoff date of ~XX/XX/XXXX. The website returned that I would be refunded ~ {$1800.00}, which implies a partial principal pre-payment would have forfeited my right to recover the corresponding pre-paid interest.

-- -- Inquiry Context : Several prior attempts through the CFPB as a conduit were made to shed light on Wells Fargos practice. On XX/XX/XXXX, I initiated an inquiry through the CPFB to gauge the impact of a potential future {$45000.00} principal pre-payment on a payoff estimate. Wells Fargo responded on XX/XX/XXXX. In its response letter, Wells Fargo stated " At this time, with the account being due for the XX/XX/XXXX, payment, and the payoff calculated through XX/XX/XXXX the overpayment of interest is {$490.00}. [ ... ] If you were to make a {$45000.00} principal payment as indicated in your inquiry, you would need to request an updated payoff statement at the time to determine the correct payoff amount. I'm sorry for any stress or aggravation this might have caused you. '' Above statements suggests : Wells Fargo understood the inquiry, however declined to disclose the impact of a partial principal payment on a payoff estimate, which I deem both unreasonable and further damaging.

A prior letter from Wells Fargo suggest they simply use " Unpaid Principle Balance '' ( UPB ) to calculate any required at the time of a payoff.

The CFPB provided a conduit for written communication, however whether any other supervisory action has been taken to date is unclear.

-- -- New request of Wells Fargo, to be answered point by point : 1. Assume I make a principal pre-payment of {$45000.00} on XX/XX/XXXX. What would be a likely payoff estimate calculated through XX/XX/XXXX, with an accuracy range of plus or minus 10 %?

2. If you decide not to provide an estimate as requested by point # 1, please explain why you are unable to do so, keeping in mind the intent of the inquiry ( i.e., plus or minus 10 % accuracy being acceptable ).

3. Using your historical records on the account, please provide an estimated payoff amount as of XX/XX/XXXX, calculated through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting a collection account for  XXXX  dollars from  XXXX   XXXX   XXXX , a collector  for   XXXX   XXXX   XXXX   XXXX  /  XXXX   say  I was uninsured by  XXXX  for my employer  XXXX  at the time of servic e in  XX/XX/XXXX .Tha  t  is false.   In addition I had 100 per cent coverage had the incompetents billed correctly.I 'm sending a copy of my  XXXX  POLICY CHECK Cashed by my employ er 2 weeks b efore the hospital service.I 'm also sending proof that the incompetent billers refunded the insurance money paid by  XXXX  FOR ME and then sent me the bill.   I 'm being damaged severely by this ... in the end I will sue and you will be paying my extensive financial losses for Equifax/  XXXX   damaging falsehoods and phony verifications ... not to mention th at  XXXX / XXXX   is operating under CFPB supervision for 5 years from the   XX/XX/XXXX     CONSENT ORDER for  XXXX  OPERATING AS  XXXX   XXXX   XXXX  ( THEY ARE ONE AND THE SAME COMPAN Y ) DELET E TODAY TO MITIGATE YOUR DAMAGE TO ME.   acct. no. is   XXXX   XXXX    XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 XXXX 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 inaccurately. 

XXXX XXXX is in accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off XX/XX/2022 by usps. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies. 



List of accounts : XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX
Product: Credit card or prepaid card

I have two credit cards with Chase. I went to pay my bill on XX/XX/2020 for the one. I was looking over my accounts as I was about to pay off my second card i noticed they decreased the limit on the one card they had to do a refund due to being a victim of a serious crime which resulted in my cards being used with out my consent. When I called the first time I was told that it was because my credit history is only a few years old. This doesn't make sense as they approved me for the second one and increased the limit also. Then they tried to say I was negligent in payments, I actually always pay my bill monthly. Then they had nothing to say. I called back the next day and I inquired again and was told because I have a bankruptcy on my credit report. There is no bankruptcy nor have I ever claimed bankruptcy. I believe I am being retaliated against for filing a former complaint through your agency which resulted in Chase finally after two years refunding me money back to my card. I have two cards and they only lowered the limit on the one where credit had to be refunded. This action resulted in my credit score dropping down to almost 600 when it was over 700. I have not displayed any behavior that would require them to take this action and I cant even seem to get a solid answer. Then I was told about balance chasing where as I continue to make payments they will continue to lower my credit limit. So I have no credit and I am basically paying just to have my credit limit lowered.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of several unauthorized inquiries that appear on my credit report. These inquiries were made without my consent Below is a list of the unauthorized inquiries I am requesting be removed : XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have also included a FTC within this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account is reporting on my consumer report that Ive never personally opened with XXXX. 

Account XXXX XXXX Account name- XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Product: Mortgage

Dovenmuehle Mortgage Inc. sent me a letter dated XX/XX/XXXX that they would be sending my unclaimed mortgage refund from XXXX to Oregon State Lands unclaimed property within 10 business days unless I contacted them. 

The letter provided information of a mortgage refund from XX/XX/XXXX in the amount of {$640.00}, check number XXXX, Loan Number XXXX with XXXX XXXX XXXX , XXXX . 

I began calling Dovenmuehle to have my refund sent to me on XX/XX/XXXX and have been calling ever since. First they advised the check would be mailed within 30 days. I called them in XXXX, I called them in XXXX and I called them in XXXX. Each time I call, I get a different story and a different time frame of when to expect my check. I am moving and I have been traveling 30 miles each day to check my mailbox to no avail. I have advised each of the following scenarios : 1 ) The first check was returned by the post office ( this has never happened before ) 2 ) The first check was not returned, it was never processed. 
3 ) A replacement check would be mailed within 30 days. 
4 ) The second promised replacement check was never processed. 
5 ) A check would be mailed the following day. 
6 ) Over a week later, after not receiving the last promised check, calling to be told the check would take 4 weeks to process in order to ensure any of the earlier processed replacement checks that were never mailed or processed were not cashed. 

I have been calling this business for over 3 months and can't get them to pay me money that they have held since XXXX that belongs to me. I believe this is an attempt to continue to keep my money instead of operating in good faith. Their story is literally, the check is in mail but never arrives. When I attempted to get them to process a change of address for me, that would delay the process another 30 days so I told them to forget it. This company is not negotiating in good faith or attempting to refund my money that they have had since XXXX. I have issues with their IVR system in that I get cut off and any attempt to talk with a supervisor results in either getting cut off or in waiting in limbo. I have spent hours chasing this money to no avail. Please help.
Product: Mortgage

I 'm being charged a XXXX XXXX XXXX fee. I called my mortgage company and they could not explain. They said they would call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZE INQUIRIES THAT DONT BELONG
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX TRUIST BANK XXXX
Product: Credit reporting

I 'm have a problem with Experian reporting my account correctly. I have XXXX student that are being report as closed when they are actually open & in good standing. I called and the rep states to me that they do see my XXXX & my XXXX account. But he said there marked open on his system. I have had my XXXX loan sense XXXX my XXXX sense XXXX XXXX. It 's now XXXX XXXX so why are my account that showing this impacting my credit score negative. Because these open are stated close and have a balance. He claim the system needed to update but it should not take months to update an account from close to open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, we worked out a payment plan of {$60.00} for 60 months, with a 0 % interest rate. 

I've made those payments on time, according to the agreement, however Best Buy has supplied incorrect information to all 3 Credit Bureaus, and when I've called to talk about it, I am told it has been corrected. 

As of my XX/XX/XXXX credit report, it has not. Disputes have been filed but this needs to be fixed now. 

I've done exactly what they've asked for.
Product: Mortgage

I am filing a complaint against Suntrust bank regarding my home equity line and how they are reporting my payment history to the credit bureaus. I have spoke on the phone with numerous SunTrust representatives all in a desperate attempt to repair my credit which was destroyed by SunTrust due to a bank error which occurred at the XXXX XXXX, Maryland branch in XX/XX/2020. The bank took my husbands principle payment of {$8500.00} for which we have a receipt and an made it a regular payment instead of a principle payment. That apparently kicked our account off of auto pay since they entered it wrong. When they went back in to put his payment toward principle instead of as a regular payment, that made it that there was no payment in XXXX and by XXXX they had us as 30 days late. We were never informed that they made these mistakes with our payment. It took me hours to figure out what the bank did wrong and why we were getting late payment notices. Once everything was figured out, they credited back my account all the late fees since it was a bank error. I assumed all was taken care of properly until my credit dropped over 100 points! I was informed that SunTrust is reporting us as 30 days late on our mortgage from XX/XX/2020. I assumed this would be an easy fix for SunTrust. However, NO ONE at SunTrust will take ownership and fix this issue. I was on the phone with XXXX XXXX for an extended amount of time. She read the notes, acknowledged the bank error and sent it to the investigative department again. However, I received yet another letter from Suntrust advising me that they will not change the 30 day late on mine and my husbands credit report. I sent follow up emails, went into my local branch. I have called numerous 800 numbers. I missed one call from a man from Suntrust who was supposed to be investigating. His name is XXXX at XXXX ext XXXX, I called everyday and left five messages pleading for a return call and I get nothing. I have been with the same bank since I was 18 years old. My credit was SPOTLESS. I need someone to help me fix this and no one from Suntrust has agreed to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter via Certified mail regarding several erroneous accounts showing on my credit report on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not heard back from the XXXX Regarding these disputes. 

Per the FCRA laws, XXXX must complete their results within 30 days of receipt of my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have Experian remove an unauthorized Hard Inquiry with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.
Product: Mortgage

I asked for assistance with back payments and they said no and refused to take any payment