23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is my current mortgage holder. Has been since XXXX of XXXX. We had XXXX mortgage escrow analysis during XXXX- which was delivered to us through mail and through our online portal. Sufficient information as required through RESPA Section 10 for escrow analysis. 

With that being said for XXXX, i have been watching our mail and our online portal, everyday for an annual escrow analysis since our appraised value on our home went up through our XXXX XXXX. I have not received anything from XXXX - current date. 

When our mortgage payment was withdrawn on XXXX for {$3200.00}- which is DOUBLE what our mortgage payment was/should have been of {$1800.00}. Once I realized, today at XXXX XXXX that we had not received an escrow analysis to show that we did or do have an escrow shortage, I contacted Wells Fargo immediately to ask why we never received the escrow analysis through the mail or on our online portal. 

Their response, " Well, we mailed it so it must have gotten lost in the mail. '' Okay, well why isn't it on my online portal in my statement and documents? " I can email it to you, if you want. '' No, unacceptable. 

They stated that my escrow was short {$10000.00} ; but how would I know where that shortage came from or what is being aggregated to what. 

RESPA Section 10 states that the following needs to be in the contents of an escrow account statement : ( i ) The amount of the borrower 's current monthly mortgage payment and the portion of the monthly payment going into the escrow account ; ( this is on my monthly statement, so I won't say I didn't have this in the " contents '' ) ( ii ) The amount of the past year 's monthly mortgage payment and the portion of the monthly payment that went into the escrow account ; ( Didn't receive this as it is not on a mortgage statement ) ( iii ) The total amount paid into the escrow account during the past computation year ; ( If I was to get my YE mortgage statement to see the YTD escrow accounts ) ( iv ) The total amount paid out of the escrow account during the same period for taxes, insurance premiums, and other charges ( as separately identified ) ; ( If I was to get my YE mortgage statement to see the YTD escrow accounts ) ( v ) The balance in the escrow account at the end of the period ; ( If I was to get my YE mortgage statement to see the YTD escrow accounts ) ( vi ) An explanation of how any surplus is being handled by the servicer ; ( N/A ) ( vii ) An explanation of how any shortage or deficiency is to be paid by the borrower ; ( Didn't receive this as it is not on a mortgage statement ) and ( viii ) If applicable, the reason ( s ) why the estimated low monthly balance was not reached, as indicated by noting differences between the most recent account history and last year 's projection. Public Guidance Documents entitled Annual Escrow Account Disclosure Statement - Format and Annual Escrow Account Disclosure Statement - Example set forth an acceptable format and methodology for conveying this information. 
( Didn't receive this as it is not on a mortgage statement )
Product: Credit reporting or other personal consumer reports

I disputed unauthorized accounts on my credit report and they were removed but 6 months later, these companies were allowed to re-report deleted accounts. Deleted after complaint and investigation. 
I have lost several opportunities to loans due this credit report harassment violations my rights under the Fair Credit Reporting Act, Fair Credit Billing Act and The Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Recently I looked over my credit reports and noticed credit inquiries that I do not recall authorizing, made by the following companies : Inquiries : XXXX XX/XX/2024 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown findings on my credit report. 30 days have elapse since sending my letters to the Bureaus and to my surprise I still have not received an update on status of investigation. Although I am not an expert on the subject matter, I do know that Section 611 ( a ) of the FCRA states that failure to investigate these items within 30 days gives reason for immediate removal of disputed items. I am now DEMANDING these accounts be removed and the Bureaus be held to their fiduciary duty. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong individual. 



Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration with ongoing issues I have experienced with Navy Federal Credit Union ( NFCU ). I have been a loyal member for years, but the repeated problems with my account have reached a breaking point. This is not the first time I have filed a complaint about these matters, and I am extremely disappointed that the problems persist despite my efforts to resolve them. 
1. Overdraft Fees : I have been repeatedly charged overdraft fees even when there were sufficient funds in my account to cover the transactions. These fees are not justified and have caused unnecessary financial strain. 
2. Account Balance Discrepancies : My account often fails to show accurate balances. Transactions either do not update in real-time or reflect misleading available balances, creating confusion and leading to further issues. 
3. Lack of Resolution : Despite being a long-time member and filing complaints in the past, these issues have not been adequately addressed. Navy Federal has failed to provide a clear explanation or meaningful resolution. These repeated problems have caused significant frustration, financial strain, and a complete loss of trust in Navy Federals ability to manage my account reliably. I feel that my years of membership and loyalty have been disregarded, and this ongoing situation is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XXXX XXXX, 2020. 
In my letter received by XXXX, TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from XXXX stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from TransUnion or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice multiple accounts showing on my credit report that I never opened nor authorized. I summitted a disupte the beggining of XXXX and the company closed my complaint without investigating what I was disputing
Product: Payday loan, title loan, or personal loan

I am having XXXX XXXX A/C units installed in my home by XXXX of XXXX XXXX  whom recommended I use an 18 month no interest loan ( interest deferred if paid off in 18 months ) to have the units installed. The loan is serviced by Synchrony Bank whom considers it a credit card. They claim as part of my online application I agreed to pay {$190.00} for a {$29.00} activation fee and a {$160.00} " card security fee. They say these fees are needed to protect my credit card. I didn't know it was a credit card and i never would have agreed to pay {$190.00} for security for a credit card that A ) i don't even have and B ) will never use. Its part of a XXXX promotion, not a card to run around using with a 27 % interest rate. When I talked to the two representatives on the phone, they refused to transfer me to a manager claiming none exists. 
This is a scam and I feel in violation of the interstate commerce laws. I will also be filing a complaint with the State of XXXX consumer protection office. 
Futhermore, I had to request my loan statement as Synchrony didn't even send me a bill. 
This is a huge scam. Not sure who's behind this scam whether it is the contractor or XXXX or Synchrony Bank, but this is a huge scam meant to dupe consumers.
Product: Credit card

I received a Capital One Credit Card for a value of {$1000.00} credit line. This occurred without my knowledge. I received it in the month oXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the EQUIFAX. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the EQUIFAX came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments. Please the FTC report with the report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right 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: Money transfer, virtual currency, or money service

All this information as been given to the company many times through their online 'bankmail ' and their call in service. On XX/XX/XXXX I went online to my HSBC account and wired {$50000.00} to a dollar denominated investment account I have with my wife on the XXXX XXXX XXXX. On the form it asked do you want to send $ or GBP and I checked . In late XX/XX/XXXX I get the first statement and it has a deposit of $ XXXX.After checking with my broker to find out why it was {$2000.00} short he said they might have done a double FX. I checked with the interim bank and the account holding bank and they both said they received {$47000.00} dollars. On XX/XX/XXXX I sent my first bankmail request for clarification of the wired amount. I was told I would have to contact the 'wire room ' through their call center. As of this date I have made between 6-8 calls some of which lasted 2 hrs plus. I have never been able to speak directly with the 'wire room ' because they do not take outside calls. Some of the operators were rude and unhelpful but there were 2 who tried very hard to get me an answer. The last one did call me back twice, once to let me know she was still trying ( the wire room never got back to her in the 3 weeks between phone calls ) and the 2nd time to say she and her manager were going to give this to an executive entity that would investigate and get back to me. That was the first week of XX/XX/XXXX. It is now the first of XX/XX/XXXX and I have still heard nothing.
Product: Debt collection

I am writing to formally dispute the reporting of a charge-off on my credit report by Nissan- Infiniti LT. After thoroughly reviewing the account in question and applicable laws, I believe this reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection statutes. 

The details of the dispute are as follows : Account Name/Number : XXXX Creditor : Nissan- Infiniti LT Amount Charged-Off : {$8100.00} Reporting Date : XX/XX/2019 Reason for Dispute : 1. Failure to Verify Information Under FCRA : According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they include in consumer credit files. I contacted the original creditor and the credit reporting agency to verify the legitimacy and accuracy of this charge-off. However, I have not received proper documentation or verification of the alleged debt, which violates my rights under the FCRA. 
2. Inaccurate Reporting Practices : Upon reviewing the account, I found inconsistencies in how the charge-off is being reported. For example : The dates of first delinquency differ across credit reporting agencies.

The account balance appears inflated or incorrect.

There is no clear explanation of how this amount was calculated.

These discrepancies suggest violations of the FCRAs requirement to maintain accurate reporting ( 15 U.S.C. 1681e ( b ) ).

3. Potential Violation of Debt Collection Practices : If the charge-off stems from improper or deceptive collection practices by the original creditor or a third-party agency, this could also violate the Fair Debt Collection Practices Act ( FDCPA ). I request a thorough review of this matter to ensure compliance with federal law.

Requested Resolution : I kindly request the following : The removal of the inaccurate charge-off from my credit report if the creditor can not provide complete and accurate documentation.

A copy of all documents used to verify the account, including original agreements, statements, and correspondence related to the charge-off.

This issue has negatively impacted my credit score and financial stability. I urge the CFPB to investigate this matter promptly and ensure compliance with applicable laws to protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXX - The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to EQUIFAX and there is no third party involved. EQUIFAX has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND THE EQUIFAX VERIFICATION METHOD. WITHOUT RECOURSE.
Product: Vehicle loan or lease

On XX/XX/2021 i contacted Santander Auto in regards to inaccurate information ive noticed being reported on my consumer report in the form of a late payment over 30 days. Company personal stated that there was nothing she could do regarding the inaccurate information. i also inquired about the excessive fees my accounts occurs each day the payment is late example 2 days past the due date and an extra $ XXXX {$100.00} dollars would be added to my account. according to 15 USC 1692, that's abusive debt practices. Personal hung up the phone. After calling again and reaching another representative, that personal would only discuss making a payment with me and would not help me any further then that. The action i am taking is writing an Affidavit of Truth and filing a complaint.
Product: Debt collection

Fidelity Information corp    XXXX   XXXX    XXXX   XXXX  CA,  XXXX  Has reported a debt on my credit among the  XXXX  credit bureaus. This debt was for a corporation not in my personal name. I never signed or ordered work from  XXXX   XXXX . I tried to contact them by phone and was hung up on in   XXXX   XXXX     I then sent letters denying the debt. They were returned so I looked up other known addresses and those disputes were returned by mail as well.     I informed the credit bureaus and they verified it with the company and continue to list on my credit. This company is not letting me personally dispute the debt with them but verifying with the bureaus. I looked up their reputation and this seems to be a common way of doing business.     My rights have been violated it is effecting my ability to buy a home and I want them to resolve this invalid debt with the  XXXX .     Thanks,  XXXX   XXXX
Product: Credit card

non payments reported, payments made thru auto pay. Have reported, waiting for response .Consumer reporting agencies have all information
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Bank account or service

Opened account in XXXX 2013 with Santander Bank in XXXX, MA. Was told that all my accounts were overdraft protected. I was never notified about any changes and have been charged for account " maintenance '' and overdrawn accounts, even though the telephone customer service did n't help. I went to a local bank in XXXX XXXX and met with a bank representative who told me he would contact the XXXX office. After a week or so I had n't heard anything, so I emailed said banker who wanted me to call him. I told him I would rather email and I have n't heard from him since
Product: Credit reporting, credit repair services, 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 U.S.C 1681 XXXX XXXX XXXX XXXX Credit report XXXX transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable