23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to improve my credit score so I can move my XXXX of XXXX into a three bedroom apartment instead of living in only one room period. I called Wells Fargo on XXXX to delete, remove or erase the negative remarks or comments from my charged off account that is reporting negative to the Four credit bureaus. They said they would be happy to help me resolve this issue by payment plan, settlement, or payment in full of {$1300.00} before thirty days. I asked for the best possible out come and they indicated payment in full would lead to a positive reflection on my score, I liquidated all assets to deposit the balance in full with in 3 days at a local branch. I waited 45 days and pulled my credit reports, still reporting the same negative comments. I called in several times to see what happened, they indicated they would send a courtesy deletion letter to help me resolve this matter ASAP. One year latter, No change, called again on XXXX and spoke with a representative she indicated three internal courtesy deletion letter where requested on behalf but never sent out? She said she worked their for 21 years and the requests never get sent out. I was very upset and angered that my family has to keep enduring this living situation due to Lie in order to collect a charged off on their taxes & still got my $ $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. I am not a credit repair company nor a mortgage company. Please remove these accounts. Thank you.
Product: Mortgage

On XXXX/XXXX/15 I sent a payment to Bank of America for reinstatement in the amount of {$19000.00}. When I spoke to a Rep. named XXXX, in the Credit and Collection division, he said that since it has not been received yet, and I wanted to be absolutely current, I should stop payment on that check, and walk a payment into a Branch in the amount of {$19000.00} bringing me absolutely current to the few days that already transpired from my previous payment. I did so on XXXX/XXXX/15. 
Since then I have been in a payment agreement with the Bank to pay the Periodic Finance charge monthly. I did not receive the XX/XX/XXXX statement, so in XX/XX/XXXX I paid {$1000.00} for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I paid {$540.00} for Finance charge. In XX/XX/XXXX my statement asked for a {$1400.00} payment. When I questioned why, they explained that I omitted XX/XX/XXXX payment, and now also XX/XX/XXXX and also a {$340.00} LATE FEE. 
They said that this late fee is stemming to before my reinstatement. When I said that I was told that I was totally current when I paid the {$19000.00}, but they insisted and I paid {$1400.00} they asked for. My payment on XXXX XXXX went towards the XX/XX/XXXX payment. On XXXX XXXX, 2015 I paid on line for my XX/XX/XXXX payment. All this while I made payment on line, and only for the Periodic Finance charges. I was billed by Bank of America for an additional {$340.00} and when I questioned they said its for late fees. 
On XXXX XXXX I spoke to XXXX, she understood my issue, and transferred me to XXXX, who transferred my to XXXX, who then tranferred me to the Manager XXXX. All with conflicting answers as to why they keep billing me for the additional Late Fee. They acknowledged the receipt of the payment on XX/XX/XXXX which included the Late fee amount of {$340.00} but claimed that they allocated that payment elsewhere and that they have a right to do that!? 
I believe that if I already paid this amount for late Fee, after inquiring what that charge was for and consented to pay it, It should be credited for just that. Charging again for the same is fraudulent. 
On line Bank of America shows the amount due, the periodic Finance amount for current payment due, omitting the Late fee, but the Total minimum payment due does include the same Late fee amount {$340.00}. 
I am continuously paying the Periodic finance charge due. 
I LIKE TO BE IN COMPLIANCE, AND FEEL VERY MUCH CHEATED WHEN THEY DO NOT ACKNOWLEDGE THIS. 
Since the employee that recorded my payment for LATE FEE which was paid in my XXXX 2015 payment inaccurately, they should adjust my account and should read current, without the additional charge of {$340.00} again and again. 
I HAVE SUBMITTED THIS COMPLAINT ON XX/XX/XXXX. but when I called your representative today, he asked me to resubmit, since they could not locate my original. 
THANK YOU IN ADVANCE FOR YOUR ATTENTION TO THIS MATTER, and I am looking forward for Justice to prevail. 
Sincerely, XXXX XXXX
Product: Mortgage

My home was serviced by Seterus, INC and was destroyed in a fire on XXXX XXXX, 2015. The loss was reported correctly to the insurance company and Seterus. The insurance company has sent the payment amount made to myself and Seterus, which was overnighted to them with id, instructions, and overnight pre paid envelope for the difference over the loan pay off ( {$120000.00} ). They also have a large amount held in escrow for property taxes.Seterus is giving me the complete run around regarding the balance due me and the time line as to when to expect it. I am XXXX. I can not begin to rebuild my home until they refund the difference after the loan pay off. Please help!
Product: Bank account or service

I 've been a customer with citizens for years I manage my account very well I have a high credit score. I logged in and saw past 7 weeks I been charged XXXX $ in fees but I ca n't figure out how and why. My math and log ins were spot on I did n't miss anything. I went into the bank called XXXX supervisors and they said I 'm lucky they gave me XXXX $ back which was XXXX of the XXXX charges I concurred. Yet NO ONE CAN PIN POINT EXACTLY WHY THIS HAPPENED!!! I 'm sickened by this as I DID NOT make a mathematical error or forget to log in XXXX They said " we have next day funds available '' but then said maybe it because checks did n't clear but no one can tell me what checks did n't clear and when!!! I 'm looking for proof of what happened precisely and hitting blank stares and I dunno how to help u more. I feel I 'm being toyed with and need help this is robbery and a scam of the banks! They used to send letters but said now they do n't u have to look online so thy make it even easier for any mistakes to happen! This is not protecting ur money or interests it 's preying upon the weak or busy or unknowledgable and making them confused so they give in to this XXXX dollar scam! Please help
Product: Credit card

I applied for a XXXX XXXX card from capital one. I provided my SSN, Drivers License information, and other identifying information and was approved. 

After receiving my card in the mail and trying to use my card for the first time, I was told it was " Locked for Fraud '' and asked to provide additional identification. I provided the requested information and kept getting told it was not enough despite it containing all the information they requested. 

They could also see I currently own a different Capital One Credit card for over 10 years, and it had the same identifying documentation and was in good standing. 

After multiple attempts with Capital One 's customer service I was left with a hard credit inquiry on my credit, and an unusable credit card since capital one can't figure out what identity documents they need. 

After searching this issue on the internet, it appears Capital One is approving everyone, then demanding identity documents people may not have. Even my passport wasn't sufficient .... This is fraud / bait and switch. I will never do business with Capital One again.
Product: Money transfer, virtual currency, or money service

I purchased an item for about {$100.00} using Paypal as that was the only way seller accepted payment. Turns out the seller was a scammer, he never sent me the item I paid for, he never responded to any of my many attempts to contact him by phone or email, he diconnected his phone, he opened up an identical scam on another web page again using Paypal. Paypal made it very difficult and time consuming for me to get a refund. 
Paypal send me a tracking number for the item and said that was proof the item was sent and I would likely not get a refund. Paypal never followed up to investigate the tracking number and to learn from the shipper that the item was never sent to me, that the item weighted less than 2 pounds rather than the 50 pounds it weighted, that the item was never sent by the seller. Paypal refused to speak to me on the phone after numerous attempts to contact them, Paypal did not respond to my questions asked on their chat line ( the only method allowed to contact them ), Paypal dragged the case on for weeks with no refund, Paypal finally offered a refund and the reopneed the case the next day. Paypal told me to get documents from the shipper when they did not exist. I felt Paypal was working only in the interests of the seller. Paypal customer service is non existent and they would not send me transcripts of all my contacts which had to go through them. After dozens of chat contacts, hours on the phone with no success, I finally got a refund but they still refused all efforts to learn more about the case. No wonder scammers seem to prefer to go through Paypal. I was never assigned a case number, the tracking number was XXXX and merchant was XXXX Paypal told me to contact their legal department if I had any issues with them. They had no effective or responsive customer service and left the customer totally out of the loop.
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 USC 1681. 

has violated my rights. Or the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

A few days ago I bought a new truck from XXXX XXXX XXXX XXXX in XXXX Texas. Once the final price of the vehicle was established I was asked to go to the bank and get the down payment for the vehicle that we agreed to. Once I arrived back from my bank with the down payment I went to the finance office. In the finance office I was told that I have to buy extended warranty in order for me to buy the truck at the price we have already agreed to previously without any stipulations I was also told that I qualify for a lower interest rate at 2.5 % but because the dealership is not making enough money on the sale of the truck I have to pay 4.5 % interest first four months in order to secure the deal. They said just finance it for 4 months and then you can pay it off or refinance but not before then. I told him that's incorrect information he went to the manager and came back to the office and said they are no longer willing to sell me the truck then gave me my down payment check back. I had already invested four hours of my time being there and waiting with my family they used this against me and force me to buy the truck without warranty but with a higher interest rate he even showed me that I qualified at 2.5 % APR with almost to XXXX credit score and a very low debt to income ratio and 50 % down payment on truck.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.
Product: Debt collection

XXXX XXXX a thief opened up an account at XXXX XXXX XXXX XXXX. I recently checked my credit history and I was reportedly charged {$900.00} dollars and XXXX cents. I called the collections agency MS services LLC. They provided me with some information. They told me that they have an address on file in the city of XXXX California that I never lived at. I also tried calling XXXX XXXX XXXX XXXX to dispute this. I called XXXX to file a dispute charge on this. Please help me clear this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, states " there is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impaartiality and a respect for the consumer 's right to privacy. " I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. " It is policy of the Congress that each finanicial 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 '' 15 USC 1681 604 a sec 2 " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates. The financial institution and the consumer reporting agencies do not did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to all reporting agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. A financial institution may not disclose nonpublic personal infoemation to a nonaffiliated third party UNLESS the consumer is given an explaination of how the consumer can exercise that nondisclosure option option, per 15 USC 6802 ( b ) ( c ). These agencies Never informed me of my right to exercise my nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 15 USC Code 1681 A consumer may exercise their right to optout at any time. " I am opting out of your reporting services ''
Product: Mortgage

I applied for a mortgage on XXXX-19 from Cardinal Financial Company , Limited Partnership DBA XXXX XXXX. At the time of the application I told them I did not want to bring any cash to the closing. 

The Loan Estimate included a Lender 's Title Policy of {$360.00} but it did not include any UCC-1 Filing Fee. 

On Wednesday XXXX-19, unknown time, and Friday XXXX-19, at XXXX XXXX, I received Closing Disclosures that reflected the {$360.00} Lender 's Title Policy and no UCC-1 Filing Fee. 

On Friday XXXX-19, at XXXX XXXX, I received my 1st copy of the full closing documents but this version now includes a UCC-1 Filing Fee of {$220.00}. This {$220.00} fee was never disclosed to me in the entire 60 day loan process prior to the final closing documents. 

On Friday XXXX-19, at XXXX XXXX, I received a 4th update to the closing package that now reflected a {$540.00} Lender 's Title Policy. This {$180.00} increase was never disclosed to me in the entire 60 day loan process prior to the 4th update to the final closing documents. 

They had already scheduled the closing for XXXX XXXX on Monday XX/XX/2019. On Monday XX/XX/2019, I brought up these additional charged via e-mail and voicemail but I did not receive a response ; I called and left voicemails for 3 employees, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On Tuesday XX/XX/2019, I sent another e-mail trying to figure out why the fees went up a total of {$400.00} from the previous closing disclosure and why they didn't wait 3 days, under TRID 3 day Closing Disclosure rules, before the signing. I was told by XXXX XXXX via e-mail that they aren't required to issue a new 3 days and that they won't be doing anything about the surprise closing costs. 

Additionally, they do not have an updated mortgage payoff amount yet proceeded to close the loan and said they would just go back and adjust the numbers after the fact.
Product: Debt collection

First communication made with rep on XX/XX/19 the first representative I spoke to hung up on me before allowing me to give her new information. Second communication on the same day I was hung up on by the supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was on Autopay with XXXX XXXX XXXX XXXX for a phone which I bought. I bought a new phone with XXXX and I was informed that the Autopay on my account was kicked out due to a new purchase on my account authorized by XXXX. I was never intimated on this decision, either offline or online. The credit bureaus informed me on Saturday ( XX/XX/2020 ) that this account is 'past due, ' which is due to no fault of mine. I have never missed a payment with any of my lenders including XXXX XXXX so far ( check my credit history for details ). As soon as I learned about the situation, I paid the amount due immediately ( including the late fees, which are again no fault of mine ). I was instructed by the customer service that I will receive a call from the supervisor within 24 to 48 hours, which was not fruitful. When I observed the autopayment screen on my account, it constantly showed 'Enabled. '
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXXXXXX XXXX To Whom It XXXX Concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the account XXXX XXXX on my credit report. Upon thorough review, it has become apparent that there are multiple egregious breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account. Therefore, I am urgently requesting immediate action to address and rectify these issues. 

Specifically, I am formally demanding a comprehensive debt validation process, inclusive of the following particulars : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself concerning the account XXXX XXXX. 

Original Creditor : Clearly disclose the name and pertinent contact details of the original creditor linked to this account. 

Original Open Date : Provide precise documentation regarding the establishment date of the account XXXX XXXX. 

Date of Last Payment : Specify the exact date of the last payment attributed to this account. 

Date Account Was Closed : Clearly indicate the official closure date of the account XXXX XXXX. 

Fully cognizant of my rights under the FCRA, it is evident that Experian has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt and diligent response to address and resolve this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me no choice but to pursue legal recourse to enforce my rights under the FCRA. Please regard this as formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted through the CFPB portal. Furthermore, I request that any necessary corrections to my credit report be promptly implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report XXXX that I never opened. It has a charge off of {$1100.00} with no balance, and the charge off occurred in less than 6 months of " opening '' of the account. When I XXXX XXXX  there are over 20 hits of people alleging fraud. I called Equifax on XX/XX/XXXX, reported the fraud. They emailed me on XX/XX/XXXX, telling me the dispute was won in favor of XXXX 

I asked to appeal ( by phone on XX/XX/XXXX ), and was told, they would start again, and ask for " paperwork ''. I do not trust them to correct the issue and wonder if the the people perpetrating the fraud are controlling the investigation ( at XXXX not Equifax XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts and addresses on my credit report. This information is preventing me from attaining my XXXX XXXX XXXX. Please remove this fraudulent information. Thank you. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX payment not applied properly. Requested explanation from XX/XX/XXXX to XX/XX/XXXX on payment amount due/ why was it asking for so little ( not enough to cover principal & interest ) we sent regular payment ( couldnt get an answer ) statement XX/XX/XXXX payment amount due stated almost double regular amount. Escrow analysis are incomplete they say surplus and payment amount rises and no refund issued. Shortages payments lower. Notations on the documents state DONT SEND TO BORROWER PER LENDER. Payments are being held and processed late. Checks have been altered : initialed with date upon receiving, requested bank not to release funds for 10 days after receiving, different amount posts and different check number appears on check. The bank depositing the funds is not who the checks are made out to. Monthly periodic statements are not typical 22 to 30 bill cycles. Some go for 45 to 90 day transaction cycles. Some periodic statements never generate and payment sent is unaccounted for. Twice weve received multiple statements with different transactions activity listed all due for same day. Received no explanation as to why we dont receive our annual tax and interest statements. Important information related to the loan disappears and letters are sent to us about requests to update information ( we never requested ). This mortgage company DOESNT service your loan, communicate with you. They commit fraud and now file a default without any explanation, no past due payment on statements, no phone calls, absolutely nothing!!!!!