23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our lender, United Wholesale Mortgage ( UWM ), has had problems from the beginning. It took nearly 3 months for them to be ready to close our loan! The night closing was scheduled, my husband and I discovered that they made a typo in our payment information, and doubled our property taxes, using the yearly rate for the half rate. After discussing the problem with our title agency and our broker that night, we decided to go ahead and close, ( this was XXXX/XXXX/XXXX ) and then just receive the refund on the escrow account once it was recalculated in XX/XX/XXXX. When I received the escrow notice last month, however, I was stunned to find that rather than including a refund check, UWM stated that we owed an additional amount due to an escrow shortage!!! Our taxes, according to the county tax auditor, are to be {$1800.00} a YEAR, and UWM was stating that we now owed something close to {$6500.00} a YEAR. When we called UWM to sort this out they informed us that they have on file that we also " own '' the XXXX adjoining parcels to our property, and thus were trying to collect taxes on them, also. They even sent a check to the county, who promptly rejected it and returned the funds to UWM ( since the rightful owner had already paid the taxes for that year ). We have been attempting to get UWM to correct this, refund our overage, and recalculate our escrow account since XXXX/XXXX/XXXX ( but remember, the original mistake goes back to XXXX/XXXX/XXXX ), and have not had any success whatsoever. You can clearly see on the title, the deed, the county map, and all corresponding paperwork that we only own a single parcel, but that has not been sufficient to please UWM, apparently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report i noticed inaccurate accounts and information that do not belong to me, i did not consent to any of this information to be reported on my credit, it's affecting my life, please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a dissappointment seeing my Credit File still indicated the disputed accounts reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information. I have also submitted CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, the Credit Bureaus have also been ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items corrected and fixed from my Credit File : DEPTEDXXXX XXXX Balance Owed : {$1400.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4200.00} ; DEPTEDXXXX XXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$88.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3100.00} ; DEPTEDXXXX XXXX Balance Owed : {$1300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus are not able to find me any documents to support their claims that the disputed accounts have been verified, I would greatly appreciate it you correcting the disputed accounts as soon as possible.
Product: Credit card or prepaid card

I am filling a complaint in the manner in which my account was handled. I had a Comenity Bank Credit account on behalf of WayFair. I was eager to have this account as it helped my XXXXredit score significantly as I made payments on time and even in advance. I was blind sided in XXXX of XXXX when I found out that WayFair and Comenity Bank would be severing their ties and my account was closed. I found this out when I looked at my credit report and found that my credit score dropped significantly due to the decrease in the number of open credit accounts, seeing as my Comenity credit limit was at {$4000.00}. I also noticed that the Credit Bureau was reporting that my balance was {$0.00} with Comenity/WayFair. I called Comenity in XXXX to get clarification on the matter and the representative was not sure as to the status of WayFair and Comenity and why my Credit Report was showing a {$0.00} balance. In XXXX the status on my report has remained at closed for the account but is showing that I have 3 month past due balance of $ 150+. So not only has my score decreased significantly after paying on time from the beginning of my relationship with this Bank but it has also affected my on time payments reported to the credit bureaus. I've called a Bank representative and paid the account down. However, I do not feel that with this current situation of my credit due to the closure of the account that I can even apply for credit with any other company. I've also found out that WayFair offered a new card with their new creditor to some of their clients but the offer was not extended to me even though I had 100 % payment status.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XX/XX/XXXXDate Opened : XX/XX/year> Balance Owed : {$6700.00} Chargeoff XX/XX/XXXXDate Opened : XX/XX/year> Balance Owed : {$56000.00} Late/Open
Product: Credit reporting or other personal consumer reports

I noticed there were 4 hard inquiries on my Transunion report which I did not authorize and I have been involved in several data breaches with XXXX, XXXX, and more. 

TRANSUNION HAS STATED THE INFORMATION IS ACCURATE AND VERIFIED BUT THAT IS A FALSE STATEMENT AND I BELIEVE THEY ARE IN VIOLATION OF 15 U.S.C. 1681 e ( b ) and 1681i et seq. 

Please help me to remove this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

I DID NOT OWE A DEBT TO XXXX XXXX XXXX XXXXT ANY POINT DURING IN OUR ORIGINAL CONTRACT, XXXX AT THE TIME XXXX XXXX VERIFIED THAT I DID NOT HAVE ANY DEBT WITH THEM. I WASNT UNTIL AFTER XXXX LEFT HER POSITION THAT I RECEIVED THE FALSE COLLECTION. ALSO, I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH THE COLLECTOR IQ DATA INTERNATIONAL IN AND THEY FAILED TO PROVIDE ME WITH THE ORIGINAL CONTRACT.
Product: Student loan

- I refinanced my XXXXMohela loan with XXXX/Mohela in XXXX for a lower interest rate. I submitted all paperwork and continued to make monthly payments. 
- Once the refinance was complete, I continued to send in payments on the XXXX and XXXX of each month to satisfy the amount due. I have been doing this since I began working with Mohela. You can look through all past payments and I have never been late. 
- The due date was changed when the loan was refinanced. Because I was making monthly payments in the same month they were due, I did not see this as a problem. 
- I noticed an amount due that was growing even though I had been paying on time. 
- I called XXXX Mohela and they explained that since my bill had not been issued for the month yet, the payments I was making on the first of the month did not count for that month 's balance due. 
- This was especially problematic because I often make my largest payment on the first. 
- The month of XXXX now required a $ XXXX payment. I was not able to make a full payment until the end of the month as I needed both paychecks to cover the bill. I arranged for payment through my bank on XX/XX/XXXX. 
- THIS DELINQUINCY WAS CAUSED BY THEIR OWN BILLING METHODS. 
- On XX/XX/XXXX the account was reported delinquent to credit agencies, even though the full payment had posted. 
- On XX/XX/XXXX the account was reported again as delinquent even though the account was in good standing. 
- I have not received a call back on this as promised and could not even be transferred to a supervisor today ( XX/XX/2022 ) When I originally called, I was told that there would not be any reporting to the credit agencies, which obviously is not true. I want the negative reports made to the credit agencies removed. This has brought my credit score down significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Balance {$1300.00}, XXXX XXXX Balance {$100.00}
Product: Money transfer, virtual currency, or money service

The Cash App by Square is a service that I use to purchase, store, and send/receive both digital ( bitcoin ), and USD currency, as well as buy and sell stocks. This company disabled my ability to add conduct any transactions whatsoever, without notice, and upon inquiring about it, they've informed me that my adverse action has been taken on my account by closing it. They will not provide the specific reason for this adverse action except to cite internal policy which gives to information pertaining to my conduct when using their services. I have committed no violations of any of their Terms of Agreement ; and they refuse to provide any additional information. Furthermore, they did not provide the required contact information in their mailed notification ( s ) per CFR 12.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion numerous times in regards to why I can view my credit report online and they always come back with the generic stall tactic response, that my credit report is under despuite that is why I cant view it online. And I know for a fact thats not true because it has been a time over XXXX days with no active disputes and I still couldnt view my credit report online.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

I have been working with XXXX and he completely ignored what best for me when it comes to paying my mortgage. please help he has taken advantage of me.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute to Experian Credit Bureau for multiple inquiries made in my name without my authorization. I called the Experian customer service number, and they told me that they are not going to remove these inaccurate reports under the Fair Credit Reporting Act. In addition, they told me to call the XXXX XXXX that did the inquiries and maybe they can figure it out. I told them I already did, and they told me to file a dispute with my Credit Bureau. Then they said Well try again. Experian has not been cooperative with me and is violating my rights as a consumer.
Product: Bank account or service

On XXXX XXXX, 2016, I checked my account I had deposited {$59.00}. First Merit has taken {$10.00} out of my account. I had set up a savings account with First merit a few months ago with the bank Vice President XXXX XXXX. She told me that if I set up a savings account that it would cover my checking in case my account was overdrawn. My account had been overdrawn a week before by {$9.00} I did not know otherwise I would have transferred the money my self into my checking account. First Merit was supposed to had sent texts to my phone when my account was low or overdrawn they have not done that yet. I saw XXXX XXXX about this matter and contacted First Merit and they still have not activated the texts to go to my phone. XXXX XXXX asked did I want to set a up a saving but she never specified that I would have to pay {$10.00} for the savings to checking transfer. I guess she was just interested in selling the banks products!! I called on XXXX XXXX and spoke with XXXX XXXX she stated that when I signed up for the savings that I had to pay for this fee. I told her that I wanted my money back she told me " no ''. I told her that she never stated anything about the fee. She then yelled at me saying, " well do you want me to refund the {$10.00} and charge you an overdraft fee of {$35.00}! '' I said, " no '' " I want you to refund my {$10.00} period! '' I said that I should go to another banking institution that is forthcoming and honest such as a credit union. She asked did I want to close my account and I told her that I will come up to the bank when I am ready. I said, " you ca n't tell me what to do. '' XXXX XXXX stated, " I can tell you what to do and in 30 days if you do not close your account with First Merit, I will close it for you! '' I then hung up the phone.
Product: Credit reporting

I monitor my credit report and scores through XXXX. In XXXX of this year Equifax reported a " new '' derogatory mark on my report and dropped my score substantially due to this information. The next month XXXX followed suit. The problem is, that the " new '' information, was actually old information. It was a bankruptcy that had been discharged and reported back in XXXX. But, according to the information supplied to XXXX by XXXX and EQ it was " new '', so I had a subsequent score drop of around XXXX pts on each. I contacted XXXX who agreed to do an investigation, and am waiting on the outcome. However, EQ refused to do anything, even after the CS agent stated it was reported twice. When I was transferred to a supervisor, she denied that statement, and said credit scoring was automatically done, by machine, and there is no record available for her to go back and look to see what was reported, but yet could tell me when it was first reported in XXXX. She also tried to claim it was the other accounts in my report, that have also been there for a while, and not really much change in any of them. She then went on to try and discredit XXXX, and deny that XXXX gets any accurate information from them, and then tried to sell me my credit score. She refused to do any investigation, nor open a dispute claim. Here is a copy of what is displayed on the XXXX site as of XXXX. As you can see they clearly state where the information comes from .... 
XXXX ( R ) XXXX ( R ) Where You Stand You have XXXX derogatory mark. Last update, you had XXXX. 
XXXX XXXX You XXXX XXXX How It 's Calculated Open accounts in collections XXXX + Negative public records XXXX = Total derogatory marks XXXX PUBLIC RECORDS XXXX XXXX XXXX
Product: Debt collection

I saw a collection account appear on my report for all 3 bureaus, furnished by XXXX XXXX XXXX, and I have NOT received any debt validation letter, nor have I received ANY notice detailing my rights to a dispute for this debt. This appeared on my reports randomly without ANY notice.
Product: Credit reporting or other personal consumer reports

XXXX AND EQUIFAX are reporting information that I did not authorize them to on my consumer report Please remove these items in 4 business days
Product: Debt collection

I first learned about this when it showed up on my credit report. I disputed the debt in question through the credit reporting agencies to have it investigated. Both XXXX  and XXXX  investigated and removed the error off my credit report. But the collection still remain on XXXX. I reached out to the fitness company in question but they were uncooperative only saying " they didn't have a record and that is perhaps because it went to collections ''.
Product: Debt collection

XXXX XXXX, XXXX bank charged off the account to Midland Credit Management I tried to tell them it was l already settled a identity theft and taken off my credit report and they hung up on me. This is NOT my debt I do NOT owe Midland Credit Management or XXXX bank this was a result of identity theft. XXXX $ is what they say i owe which is incorrect.
Product: Student loan

Nelnet 's online portal shows that I owe {$53.00} per month. I authorized monthly deductions of {$200.00} per month. Instead, they began taking out over {$300.00} per month. I contacted them to question this and was told the online portal had a technical issue and was not disclosing the correct monthly payment. I was assured this would be fixed. It never was. Payments continued to be deducted, as well as misapplied, and nothing was resolved. I called back again, and was told there was some separate unrelated issue and the first CSR never actually did what they were supposed to. I was assured it would be fixed. It never was. I've complained via email and received generic autoreplies that they were too busy to check on my issue. I've submitted 4 complaints with the Department of Education where I continue to be ignored. They have never once reached out to me to resolve the problems they have created, despite my numerous complaints to them. It is unreasonable to expect me to sit on hold for 2 hours just to be lied to by another low level CSR with no authority to fix anything. I believe it to be financial fraud for every single illegitimate payment since the very first time they were informed of their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD WHEN MAKING ON-TIME PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle with Hyundai XXXX in the amount of XXXX. The vehicle was deemed a lemon and almost cause me and my family to be in a deadly accident due to the vehicle shutting down without any type of warning. I volunteerly surrendered the vehicle and reported it to the XXXX XXXX XXXX   where I had an unfair hearing due to Hyundai sending a retired employee that was no longer employed by Hyundai. I uploaded the proof with XXXX on XX/XX/2020 from Hyundais mechanics to prove that there was in fact an issue with the leased vehicle and I received a reply today stating the account information was updated. How can there be an investigation with a couple of days and not 30 days to fully investigate the information? The debt is past the 7 year statue of limitations and it needs to be removed from all three credit reports.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( [ Your PayPal Email Address ] ). I strongly believe that this limitation has occurred due to a misunderstanding or error, and I kindly request a reconsideration of this decision. 

I want to emphasize that I have always been a diligent and responsible PayPal user, adhering strictly to all PayPal policies and guidelines. As such, I am perplexed and distressed by the limitation imposed on my account, as I am confident that I have not engaged in any activity that violates PayPal 's terms of service. 

I kindly request that PayPal initiates a thorough review of my case. I understand that mistakes can happen, and I genuinely believe that upon re-evaluation, you will find no basis for the limitation on my account. If any specific transaction or action has triggered this limitation, I am more than willing to provide any necessary documentation or information to help clarify the situation. 

It is of utmost importance to me that my PayPal account be reinstated, as it plays a critical role in my financial transactions. I have always valued the convenience and security that PayPal provides, and losing access to my account has caused significant inconvenience and uncertainty. 

I earnestly appeal to you to re-investigate this matter with the hope of restoring my PayPal account to its full functionality. The email address associated with my PayPal account is XXXX I sincerely appreciate your prompt attention to this matter and your commitment to resolving this issue fairly. Thank you for your time and consideration. 

Best regards, XXXX XXXX