23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently selling my property under an assumption loan process. I went under contract with Buyer in XXXX of XXXX. I am still in the assumption process to this day. My assumption officer is XXXX XXXX at Freedom Mortgage. The buyer, myself, and my realtor to include the title office vice president have contacted her and freedom mortgage on numerous occasions with no response. We know that we are conditionally approved but have no received any other answers from them. The lack of communication is ridiculous and just want this process to come to a close and finally close.
Product: Checking or savings account

Due to a clerical error made by Chase, apparently according to a banker over the phone, there is a safe deposit box in my name, but with an address that was never mine ( according to the banker ). Rather than flagging a potential clerical or serious identity theft issue, the incompetent banker refused to correct the situation - perhaps to cover up someone's incompetence or misconduct at Chase. This is a serious issue if my safe deposit box in Texas has an address not ever affiliated with me. I am fearful for my physical safety now, along with identity theft, because of Chase 's misconduct here.
Product: Credit card

This is more information about an earlier complaint. Wells Fargo put a hold on a {$2000.00} payment without telling me it planned to do that. To release the hold, Wells Fargo aid I should send in a copy of the check with contact information for someone at XXXX XXXX in order to lift the hold. I did so and XXXX day later was told that was not enough. Then I went back to XXXX XXXX, which printed out a statement, faxed the statement to Wells Fargo, and provided contact information for a XXXX XXXX banker. Tonight, a Friday, Wells Fargo said there was another mistake -- Wells Fargo said they had accidentally provided me with the wrong fax number for the statement and now could not release the hold because the office associated with the correct number would be closed until Monday. The problem is that I need the money to cover medical expenses and now I do not have access to that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is trouble with the Credit Reporting Bureaus [ 3 ] as to running Parallel with the Companies as to Reporting reviews as " AS ACCURATE '' [ fake ] CFPB IS NOW suppose to investigate as an enforcer to Experian on ID XXXX. 
THIS DISCOVERY was made in the House FinanciaXXXX Hearings in XXXX and found to be Guilty. I am a XXXX XXXX and have made over [ 12 ] Complaints of I D Fraud Delinquency 's on [ 4 ] Companies Reporting with no updates? 
They all claim that Experian is to be the authority to write off the Delinquency 's after a " Charge-Off ''. The CR 's are all Corrupt and should be " re-organized '' to serve the Consumer? 
This action has Slandered my Credit from XXXX to XXXX and was denied credit on 3-applications
Product: Credit reporting, credit repair services, or other personal consumer reports

this XXXX XXXX  account XXXX is reporting on my credit file as oweing debt in the amount of {$1500.00}. 

i previously disputed this account for fraudulent activity, this debt does not belong to me i have not signed any contracts with XXXX XXXX inorder to accure this debt. 

when i previosuly disputed this account i have not gotten any proof or validaton that this debt belongs to me .i have not been provided any documents or anything validating that i opended this account, i did not authorize txu energy to furnish this account in my name to start accuring charges that are now delinquint. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on my credit report Inquiry 5 Inquiry Date XXXX - XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX AZ, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 6 Inquiry Date XXXX - XXXX Creditor Name XXXX - XXXX Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - - Creditor Phone XXXX - - Inquiry 7 Inquiry Date - - XXXX Creditor Name - - XXXX XXXX XXXX XXXX - - - Creditor Phone - - - Inquiry 8 Inquiry Date XXXX - - Creditor Name XXXX BANK - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 9 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 10 Inquiry Date XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 11 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX - - Inquiry 12 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX IL, XXXX - - Creditor Phone XXXX - - Inquiry 13 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 14 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 15 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 16 Inquiry Date XXXX - - Creditor Name XXXX XXXX   XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX FL, XXXX - - Creditor Phone XXXX - - Inquiry 17 Inquiry Date XXXX - - Creditor Name XXXX XXXX  - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX
Product: Credit reporting

I was able to get my report from transunion but when I returned minutes later to get the reports from the other XXXX agencies it said it timed out and that I could n't get either one online.
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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENT that are inaccurate. Please remove these negative items from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I sent letters to XXXX and Transunion about the inaccurate and incomplete items that they are reporting on my credit report. the letters state that they don't have any permissible purpose by law to contact third parties with my private or personal information pursuant to 18 U.S.C. 1028A and I request that the inaccurate items be deleted at once. Today is XX/XX/2021 and I haven't received anything from them concerning the request. I have attached copies of the letters for your reference.
Product: Debt collection

Dear CFPB, I really need your help. I am writing to file a formal complaint against Calvary Portfolio Service regarding their handling of my account number XXXX. It has come to my attention that Calvary Portfolio Service has been engaging in practices that are in violation of my rights as a consumer, as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Specifically, I believe Calvary Portfolio Service has failed to provide me with proper notification as required by federal regulations. Despite repeated attempts to communicate with them regarding the status of my account, I have not received any satisfactory response or documentation from them. 

According to the regulations cited above, consumers are entitled to certain rights and protections when dealing with debt collection agencies. These include the right to be informed about the debt being collected, the right to dispute the debt, and the right to receive validation of the debt upon request. However, Calvary Portfolio Service has failed to adhere to these requirements in their dealings with me. 

Furthermore, I request that if Calvary Portfolio Service believes they have provided me with proper notification, they provide me with a certified receipt containing my signature as proof of such notification. As of this date, I have not received any such documentation from them. I am requesting this account is deleted from my credit files with the credit bureaus. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Calvary Portfolio Service if they are found to be in violation of federal regulations. I also request that the Bureau keep me informed of any developments in this case. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX
Product: Bank account or service

Ditech, formerly Greentree, a financial institution holds a XXXX lies on my residential dwelling. The XXXX mortgage was originally done through XXXX I think. But now, Ditech has the loan and for the past year, has refused to give me a copy of the contract and payment structure. This has prevented me from refinancing the home and getting a better interest rate. Currently we have a 6.5 % mortgage with Chasey on a 30 year fixed and a XXXX mortgage at 8.25 %. 
I believe we are victims of racial bias based on prior lending practiceso of the XXXX XXXX XXXX, who was part of the original loan. I have decided to withhold payment from Ditech until such time that they render to me the document ( s ) I have previously requested and they agreed to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX and NAVY FEDERAL CU was no successful resolution. NAVY FEDERAL CU was reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018 2018
Product: Credit reporting or other personal consumer reports

A third party company is reporting on my credit that I owe them the sum of XXXX. They are calling, harassing and sending letters demanding payment. I do not nor at any time had a contract with this third party company. I do not owe any money to them and they have no right to report it on my credit reports. I requested a wet signature, document with the reported amount owed, the company that the original contract is with and documents of amount claimed to be due, third party contract and any or all document with my signature on them. They refused to provide proof of this debt and any signed contract. I have no knowledge of the sums they claim are due nor an explanation of the reported sum. 
Third parties must provide original contracts, when requested by the consumer with signature to ensure they are reporting accurate information. And must be held responsible for reporting inaccurate, unverified information without documentation when requested by the consumer and when reporting to any agencies. 

I request that the XXXX major credit reporting bureaus listed removed the inaccurate information from my profile. Including all other consumer reporting agency listed below. 
XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquires on my TransUnion credit report that is fraud. I have not asked or gave anyone approval to pull my person credit report. I reached out to TransUnion and was advised to make an complaint. the following inquires are on my account because of fraudulent activity. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX XXXX
Product: Prepaid card

Have tried to spend AmEx gift card at numerous merchants, directly and via XXXX XXXX. Payment is declined due to billing address errors or just not accepted. 

Unable to get resolution from AmEx.
Product: Vehicle loan or lease

Every loan payment made with Santander Consumer for my used vehicle is going toward interest. NOT XXXX XXXX HAS GONE TOWARD THE PRINCIPAL. I have asked for a copy of my contract via a customer service rep and still have not received a copy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was reported from Convergent Outsourcing on XX/XX/2021 for {$1300.00}. I spoke with Convergent Outsourcing and was told that if I paid the account even if it was paid in settlement that once there was a XXXX  balance, the collection would be deleted. I agreed to a settlement amount of {$1000.00} and paid off the account on XX/XX/2021. I have tried contacting them numerous times to have the collection deleted from my credit and they have not removed it. I went through XXXX  to dispute the account and request it to be removed as agreed to no avail on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Westlake Financial is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX  and XXXX. This account is XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX  XX/XX/2018. Westlake Financial are currently reporting FALSE REPRESENTATION OF BALANCES $ XXXX, XXXX, 30 DAY LATE PAYMENTS and REMARKS changing. There should NOT be any activity reporting are charge off status. All ( 3 ) bureaus are reporting ( 3 ) different dates of last payment, XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX. All ( 3 ) bureaus have different account numbers XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX. 

Westlake Financial report : Inaccurate Information Misrepresent Balance Fail to sent Validate of Debt Activity after Charge Off Harassing calls 30+per day Late Payments ( monthly ) Missed Payments ( monthly )
Product: Credit reporting

Equifax - reporting incorrect information. Sent proof that balance they are showing is incorrect from collection company Making payments directly to original medical billing per their agreement to do so, not the collection agency. Sent proof, including statements, cancelled checks that payments are being made directly to medical company. Equifax stated investigation all will remain the same even though all information is incorrect and proof was sent stating such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXXXXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account XXXX XXXX ( XXXX XXXX XXXX  ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX XXXX  and Account # XXXX ( XXXX XXXX ) has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I have paid all of my payments early since the beginning of XXXX. I get notifications that my payments were accepted and get confirmation. Then partial payments are being reversed. I am not getting notification. I have the funds available in my account. I end up paying and repaying the same payments because of continuous payment reversals. I call every time this happens. When I do the representatives say that they see the reversals, but they dont know what happened. I called in XXXX and the representative told me that they didnt know what happened, but theyd turn it in for investigation, and call me back last Thursday XX/XX/XXXX with an answer. I never received a call. I made another payment with yet another reversal. I called and this representative said they talked to their supervisor. When they came back to the phone they said that it was being investigated and they were sorry I was frustrated, but that was all they could do. I paid the rest of my payment early again. I check the Ed financial site, and what do you think happened? The payment was reversed. Now if it says that I have a late payment! This will go on my credit score! This is their fault. It is deceitful and fraudulent. I deserve proper management of my account when I am keeping up my end of the bargain and paying my payments back responsibly.
Product: Credit card

I have XXXX US Bank XXXX XXXX XXXX credit cards. The XXXX  card was opened last XXXX, and there was a signup promotion of XXXX miles upon spending {$5000.00}. The terms did not have any restrictions on existing customers with the same product. They approved the XXXX  credit card, and I spent {$5000.00} by XXXX. 

Even after spending {$5000.00}, I did not get the promised XXXX miles, so I contacted the US Bank. A few weeks later, they sent me a letter saying that the sign-up bonus was now offered to customers who did not receive the same sign-up bonus for the last XXXX years. 

I saw that the same XXXX business credit card had updated the terms to have this statement for new applications. I called the US Bank customer service again, and someone told me that she could find a document dated XX/XX/XXXX saying the same rule, and they were applying the new rules to those who applied for the card before XX/XX/XXXX. 

While I understand that the US Bank can change terms at any time, can they apply the changed sign-up rules to the customers who applied for the card before the change of the application rule? I also did not receive any notification from the US Bank regarding this change. 

I hope that the US Bank will honor the promised they made through the application terms and provide the affected customers with the promised sign-up miles. 

Previous term statement : Previous accounts closed within the last XXXX  months will be reopened and no enrollment miles will be awarded. 

New term statement : Existing or previous XXXX XXXX XXXX XXXX  cardmembers are not eligible if you have