23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

to whom it may concern : last year at this time my mortgage company Freedom mortage increase my mortgage about 800.00 a month with no explanation!! I submitted thru your organization last year a complaint. freedom mortgage didn't really give a viable explanation as to why they increased it but they did lower it back to what it was. NOW!! a year later they are doing it again! telling me I owe them roughly 700.00 additional payment per, and when I call them they initially agree that something is wrong, but as usual they say pay it!, so I called my city tax office they said my taxes are payed in full. I told Freedom mortgage again that my taxes are about XXXX a year. they said I have to pay an additional amount of roughly 4500, I ask him to email me those documents that say I owe roughly 9000 a year in taxes, he said he would, but am still waiting. my case file number : XXXX XXXX XXXX XXXX XXXX asst vice pres customer service wrote my last responce
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE  XXXX  ACCOUNT WITH CAPITAL ONE AND THEY HAVE FAILED TO  XXXX  AS AGREED TO WHEN APLLYING FOR CREDIT CARDS.  XXXX ,  XXXX ,  XXXX  AND  XXXX . I AM NOT PLAYING GANES WITH ALL CREDIT FURNISHERS WHO ARE NOT COMPLYING WITH AGREEMENTS AND THUS WILL NOT HONOR SAID DEBT, CLOSE ACCOUNTS AND DISCHARGED DEBT VIA  XXXX  AND CEASE ALL CREDIT REPORTING OR BE SUED IN CLASS ACTION EFFORTS.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AND  CAPITAL ONE FIN ANCIAL.  <P/> WE HAVE RETAINED LAW FIRM.
Product: Mortgage

The underwriter, Stearns Lending, requested excessive documentation to refinance a loan I applied for. the unusual requests started right after the underwriter found out I had XXXX  last names as I was born in XXXX and XXXX last names are used there. 

The underwriter racially profiled me and requested much more documentation to what is normal. I eventually gave up on complying with the submit of the documentation requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i summited dispute with all the credit reporting agencies in regards to 3 open accounts on my credit report these accounts don't belong to me and is showing on my credit report. i have sent them information about my account with a ftc report stating that these accounts should be removed. they fail to investigate and remove these account. i have called to try to get this issues resolved but i was hung up on by three different rep and 1 supervisor this is not right I'm a single  mother trying to get a place to stay for me and my child.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$88.00} XXXX XXXX {$670.00} XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
XXXX. ) The Cares Act signed into Law XX/XX/XXXX States that Student Loan Servicers can not report late from XX/XX/XXXX and XX/XX/XXXX 2021
Product: Checking or savings account

On XX/XX/2022, I noticed that my checkings account with Wells Fargo was negative by {$890.00}. There were multiple checks deposited into my account and taken out resulting in it being negative. These checks were all for the same amount of {$170.00}. The checks were also all the same digits besides the last number on each one. I called the bank multiple times when this first happened and they said it would take XXXX business days to resolve. On XX/XX/2022, Wells Fargo opened another checkings account in my name and closed the first XXXX. The second account they had made was now {$940.00} negative. It made absolutely no sense and the bank statements did not show why it was negative and they gave me no explanation for where these checks came from. I have called numerous times in the past 20 days and just yesterday Wells Fargo said that they can not do anything else to fix the account. A direct deposit check was deposited into that account by my job accidentally because Wells Fargo will not close my account therefore the money deposited into the negative account and the negative amount of money was taken by my check and they will not give that money back to me. I have not touched this account since the initial date I noticed the fraud which was XX/XX/2022. At this point I am helpless and this bank is not trying to resolve this issue and does not have a reasoning for why this fraud is not being disputed. They do not care for their clients. Before any of this fraud was happening in my account I had money in there that they will also not give me back. They scammed me for my money and continuously keep giving me excuses and it seems to me like they are not worried about my situation. They have not kept me updated and I have had to call almost daily to get useless updates. They will not help me and if I do not apply pressure they will just keep the money they stole from me.
Product: Mortgage

The bank is charging me more than my original mortgage, and they do n't want to help me or reach any agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 

XXXX XXXXXXXX Account Number : 1XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a bank loan with US Bank we wanted to pay it off early. I called in to get our pay off. By doing automatic payments we were paid ahead 1 and 1/2 years. So my next payment was not due until XX/XX/2022. I asked if some of those payments could go on the principle thinking that would lower my payoff and they agreed. We put the last 12 months toward the principal. They told me it would take about 2 days to complete. 2 days later I was confused when my payoff went up. After some quick investigating I found out They now added late payment fees on to the loan. I called US Bank customer service and they said they fixed it and I paid off the loan. Payoff was about {$8900.00}. 3 weeks later I was looking at a pickup and needed a loan but was turned down. I found out my credit score went from over XXXX to just over XXXX because US BANK Reported I had missed payments. Once again I called US Bank They said they could clearly see what had happened and I would have to file a dispute and it would take about 3 months to process. I was refused a loan I need to get the pickup I need. Even from US Bank because of my now Low credit score. I called US Bank back, they told me they can see that they made a mistake but they can't ok the loan until the dispute goes through.
Product: Credit reporting or other personal consumer reports

A debt collection agency has reported a negative on my credit history even though I have set up a payment plan with them and the debt has been settled. I tried to get them to remove the negative report by contacting the various credit bureaus but the negative on my credit report still remains and it is stopping me from being able to get a credit card to even build my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory in nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a  person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX x 2, XXXX, XXXX XXXX # XXXX x 2, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX My name is : XXXX XXXX - XXXX : XX/XX/1995 - SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX : All other employers listed are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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, 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 a 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: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints three times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Transunion has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Is a Capital One credit card that I have been trying to pay for the last 5 years and each time they increase the interest rate which is extremely high. I tried to work with the company and they told me they can't do anything about it. It has been so many years and I can't oay off that credit card.
Product: Checking or savings account

On XX/XX/XXXX of 2020 ( XX/XX/2020 ) the amount of {$890.00} was stolen from my Fifth Third Bank XXXX account and force it into a negative balance. On that same day I immediately notified Fifth Third bank of the theft and the bank agents refused to adjust the account and disconnected the call without submitting a dispute. On XX/XX/2020 ( XX/XX/2020 ) I deposited {$2000.00} to restore the account from a negative balance to avoid charges, leaving the account with a {$100.00} balance after posted transactions. Again on XX/XX/2020 ( XX/XX/2020 ) another theft of {$540.00} from XXXX XXXX XXXX company forced my account into a negative balance due to undisclosed banking activity and improper ledger book entries. I notified Fifth Third bank agents and dispute department again on XX/XX/XXXX of 2020 XXXX ) faxing to them proof of the theft by XXXX XXXX XXXX to show the improper adjustments in my account sending the account into a negative balance. I received no assistance in identifying these irregularities. Fifth Third Bank has failed to disclose to me that their contract agreements with Visa and Master Card allows vendors to access my account activity and alter my transaction history of pending and posted transactions in my account.
Product: Credit card

Became aware that a Chase credit card was opened under my identity on XX/XX/2017. Immediately contacted Chase thru Chase Card secure message service. Initial response from Chase confirmed a new account was opened but Rep refused to provide info, citing security reasons. Chase agreed to place a temporary hold on this account upon my insistence. On XX/XX/2017, I received a card in the mail for this account. I again contacted Chase Services and informed that under no circumstance should this card be activated. 
On XX/XX/XXXX, I received a letter from Chase, dated XX/XX/XXXX, informing me that a new application for a Amazon.com card was declined for being " a duplicate application. '' I have given Chase written notice thru their secure message center and have also called Chase Service to report this fraudulent activity and have consistently received conflicting info from their representatives. If I am not reporting this fraudulent activity in the proper way to assure that my identity is safe guarded or that fraudulent charges do not appear under my credit reports, please provide me with more specific instructions. I am also requesting copies of the applications that Chase used to open this fraudulent account.
Product: Checking or savings account

I've had a business checking with Synovus Bank for several years. I had on line access to this account. A few months back I tried to log on to my account. I was told that my data was " Not available. '' That is, not until I signed up for a new service called " Synovus Gateway. '' While I DID NOT agree with the terms of service, I was held hostage by not being able to access my account data until I did agree. I was forced to agree to the new terms of service to be able to log into my account. UNDER DURESS I agreed to the new terms of service just so I could see my balance. This should be illegal! No contract is legal or valid if it's entered into under duress. Along with this 'New '' account came price increases for Wire Transfers. From {$45.00} to {$100.00}. I agreed to this increase only under duress and I think I should be refunded the difference between the old price and the new price which I was FORCED, UNDER DURESS, to agree to.
Product: Credit reporting or other personal consumer reports

My Address Shows in XXXX as : XXXX XXXX XXXX XXXXXXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX FL. XXXX. 
My Address Shows in Experian as : XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. 
My Address Shows in XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. 
The correct one should be : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To This is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX, XXXX., XXXX XXXX XXXX 
 3., XXXX XXXX XX/XX/XXXX 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 ). This is a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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  : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$620.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer in  XXXX   XXXX  and during that time, I have enjoyed my experience with you greatly ; however, the account is closed and paid in full. It has been over 7 years since the account was open. According to the Fair Credit Reporting Act after 7 years from the first date of delinquencie s (   XXXX  ) this item must be removed and not reported on my credit report. Negative information that is more  than 7 years old  ( 10 years for ban kruptcies ) must be removed from your file. Therefore, I am asking for you to remove this items as a ASAP my cr edit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered inquiries on my credit and XXXX XXXX report that aren't mine. I never applied for alot of information being reported, as well as, I never had a XXXX XXXX XXXX bank account. So much is inaccurate on my reports that I don't have the slightest clue on how to get all of this off. Clarity Services shows up alot on my reports and I don't who they are either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened complaints to XXXX and XXXX  regarding an auto loan with XXXX XXXX. I paid on time and yet on two occasions they marked my payment as " late by 30 days '' which severely destroyed my credit. I keep receipts of all my payments that includes dates. I submitted this to XXXX  and XXXX. They sided in my favor and removed the late payments from my report. Then a month later when the new information was submitted to the credit it agencies, the missed payments suddenly came back -- even after both agencies agreed they were incorrect. XXXX XXXX won't return my phone calls and I can't seem to open a dispute on the items since it has " already been disputed ''. 

XXXX XXXX continues to submit information that both XXXX   and XXXX  have deemed to be incorrect.
Product: Mortgage

On XX/XX/2021 we put in an application to remove the PMI on our mortgage. We had done a large amount of upgrades to the property which warranted removal of the PMI. Several times we were told that we didn't submit the appropriate information, which we had submitted multiple times. There has been no communication on the mortgage companies end. All communication has been executed by me and I have yet to receive any callbacks or emails as promised from them. They sent an appraiser to my home TWICE saying they never received the report which was false. We are 6 months in in trying to have the PMI removed from our loan and we still have no correspondence from them.
Product: Credit card

I got my XXXX bill yesterday and I called the company right away. They were paid {$110.00} because they claimed that they did not get my check which they got. And charged me late fees. Paid them {$78.00} with my check that is not on the statement. XXXX bill is paid. And now want me to pay {$230.00}. I do have All my statements and checks beside the payment made from my phone. I have no problem with any credit card company about payment. Or that I have to pay half of any payment.