23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate my dispute and correct or remove any inaccurate, incomplete, or unverifiable information within 30 days
Product: Payday loan, title loan, personal loan, or advance loan

when your loan is more than XXXX days past due, company will call and harass you several times a day more than exceeding the XXXX times in a XXXX day window legally allowed according to FDCPA. I had already scheduled a payment at the time the payment was due in good faith so that the creditor knew I planned to make my payment and they still called me XXXX times a day every day including the weekends. This month, I had to be XXXX days late on making a payment and the representative on the line XXXX threatened that it would affect my credit and was trying to bully me to tell her exactly why I could not make the payment now. I informed her that due to FCRA, the payment can not be counted as late until after the XXXX day has elapsed. She then said it will affect my credit within their organization and was extremely rude about it. People should be aware that they do not follow FCRA. One Main should also know and provide training to employees that are ill informed of consumer protection laws as well as basic customer service.
Product: Mortgage

In 2005, XXXX XXXX received an advertisement from Wells Fargo Bank offering her a chance to participate in a " Special Government Program '' which allowed her tax-free money, " plus you wo n't have to make a payment for as long as you live in an own your home ''. She was left with misimpressions about the product. She was confused about the reverse mortgage being a loan, left with a false impression that it was a government benefit that would allow her to stay in her home for the rest of her life. The ad was incomplete/and or contained inaccurate information.
Product: Debt collection

Individual named XXXX called me from this number asking me to confirm personal information without telling me the purpose. After I asked him what the purpose of the call was, he told me the call was about pending litigation against me due to a personal loan. I told him I wasn't familiar with it then he said the loan company named Balance Credit was familiar with me. I tried to ask again what it was about and he told me I need to work on my comprehension skills, I told him not to call back. I then called him back basically to confirm it wasn't from a robo call or false number and during the conversation he again told me he was trying to confirm litigation towards me and a recommendation against me in XXXX XXXX. This seems highly illegal and he tried telling me it's legal in every state then basically hung up on me.
Product: Mortgage

During the buying processing of a home under construction, we applied to Wells Fargo for a small loan ( {$20000.00} to {$30000.00} ) and was told we would have to pursue an unsecured loan until the home was completed and we actually owned it. We were approved for the unsecured loan, but the actual percentage was higher than what was originally quoted. 

After the home was completed, we then applied for the line of credit loan, again quoted one percentage rate, but first had to have an inspection. The initial bank response was that it would most likely be a `` drive by '' inspection because we were asking for {$50000.00} max for a {$300000.00} plus home. In approximately 2-3 weeks later an inspector came by for a walk through. One week later, we were told that the walk through was n't good enough and that we had to have a full inspection. A couple of weeks after the inspector came through. We were finally approved for a line of credit loan, again at a higher rate than originally quoted. During this time frame, we were paying a very high interest for an unsecured loan. We feel that Wells Fargo intentionally prolonged the processing time in order to collect additional interest on the unsecured loan. 

After the the line of credit was approved and due to the very frustrating process that we encountered, we proceeded to work with another bank and secured a line of credit within four weeks. We paid off the original line of credit amount with Wells Fargo. 

Because we paid the loan off before a three year period, we were told we would have to pay an additional {$300.00} if we closed the account.. We elected to leave the account open. We just received a bill for {$75.00} for the first year period because we were maintaining an account with a XXXX balance. We were told that we would have to pay this amount each year for 3 three years because the account was still opened with a XXXX balance
Product: Mortgage

XXXX XXXX XXXX sold my loan to XXXX, which is administered by XXXX XXXX, XXXX. I was in an 18 month deferral for payment to XXXX until XXXX XXXX, XXXX because I lost my job because covid affected my employers business and I could not make payments during that time. I was laid off on XXXX XXXX. I started making payments to XXXX again for XXXX, XXXX, and then for XXXX and XXXX. XXXX sold my loan effective XX/XX/XXXX this year. I then began making payments to XXXX for XXXX and XXXX. However, Gregory has moved those last five payments to unpaid months in XXXX and have notified me that I am delinquent and subject to foreclosure. This is not accurate. I have requested first, of XXXX and second, of Gregory to roll my unpaid interest and escrow amounts ( {$38000.00} ) into a balloon payment due at the end of the loan. They have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you LIST OF ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX  XXXX
Product: Bank account or service

I opened my CitiGold checking account at the end of XXXX XXXX. I signed up for it because I was lured in with a bonus promotion that promised XXXX XXXX XXXX miles would be credited to my AAdvantage account that was linked with my Citi XXXX XXXX credit card. To receive the bonus, I was supposed to use the bill pay feature in two different months and I was supposed to spend {$1000.00} on the debit car within three months of account opening. After I completed these requirements, I asked Citi customer support when I could expect to receive the promised airline miles. I received a response that contained this : " After further review of your account, I can confirm you have completed the requirements for the XXXX XXXX promotion offer. The promotion states that you will receive the miles within 90 days from the end of the statement cycle in which you completed the requirements. You completed the requirements in the month of XXXX and the 90 days began on XXXX/XXXX/XXXX. You can receive the miles no later than end of XXXX. There is a certain processing time for XXXX XXXX to credit the miles to your account. If you do not receive the miles, please contact Citibank and we will submit an investigation to the missing miles on your behalf. " In this message I was told I would receive the miles at the end of XXXX. Also in the same message was this : " Please be advised that the Citigold account has a $ XXXX monthly service fee if you do not meet the {$50000.00} average balance requirements. The {$30.00} fee appears on the first business day of the month. If you see a {$30.00} fee, this will be the monthly service fee for the Citigold account. '' No problem, I thought, I am happy with the account so far I will just keep paying the monthly maintenance fee. 
Anyways, the end of XXXX came and passed an I still had not received any airline miles from the CitiGold promotion that I was enrolled in. No problem, I thought, I will just send a message to customer service to see what the hold up was. I received a response that contained this : " I regret any confusion and inconvenience this has caused. Our promotion offers are available by invitation to specific targeted clients to an email listed on your account and/or letter sent by mail from Citibank. 

I understand you received secured message XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with promotion attachment and promotion requirements. However, this is not a guarantee of eligibility of promotion incentives. In review of your eligibility, an invitation for this promotion was not targeted. I will have our Marketing management team re-review your account and promotion eligibility and send you a response by secured message. " As you can read from this message, Citi has back stepped from what I was previously told. Apparently, I am not the only person this has happened to.
Product: Payday loan, title loan, or personal loan

They sent me a papermail letter with a fake credit card, telling me I was preapproved for a {$2500.00} loans. After going through the online paperwork, they ran my credit score, which put a hard inquiry on my report. My score has dropped as a result. 
Then they gave me the terms of the loan. It was a monthly payment of {$430.00} for 18 months! That is more than 3x the amount of the loan itself! This is a predatory lending company that should be put out of business. 
I want their inquiry removed from my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  ran a credit check on me without my consent.    XXXX   XXXX    XXXX
Product: Credit reporting or other personal consumer reports

I want to make a compliant for XXXX Credit Bureau My name has never been XXXX XXXX. I can update my social card to prove this information. 
I never had an account with XXXX XXXX XXXX or XXXX XXXX XXXX The balance shows paid off and close this is fraudulent on my account. 
This is fraudulent under my name I never lived at 2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX ... COLUMBIA DEBT RECOVERY the current amount is {$2600.00}. I have reached out through phone and certified mail. They have yet to respond to my second notice. 
Lastly, I have reported Account XXXX XXXX XXXX XXXXXXXX, because they have violated my rights. 
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681, specifically Section 604 ( a ) ( 2 ). This provision grants me the right to privacy and stipulates that a consumer reporting agency can not disclose account information without my written consent. Furthermore, under 15 U.S.C. 1666b, a creditor is prohibited from treating a payment on a car loan account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I need to file a complaint against Citi card. I applied for a credit card with Sears MasterCard which is part of Citi card I was denied. I have highly excellent credit. The company denied me. I either need to be approved and for the card to be honored in the promotion or for the inquiry to be removed from my credit report. This company has been sending me multiple pre-approval letter. I understand that pre-approval means nothing much however I have highly excellent credit a high score in zero missed payments. There was no reason to deny me and cause a hard inquiry on my credit for no reason when I have very excellent credit
Product: Mortgage

We took out our mortgage in XXXX through XXXX XXXX XXXX XXXX  who sold the servicing rights to Fay Servicing LLC. We paid off the mortgage with Fay XX/XX/XXXX and took out a new mortgage with XXXX XXXX. XXXX XXXX paid off that loan and Fay never filed a lien release on the title of our home. We started a refinance process with XXXX XXXX  in XXXX of XXXX. A request to file a lien release with Fay was sent on XX/XX/XXXX when we realized that Fay never processed the lien release in XXXX. XXXX requested the lien release XX/XX/XXXX and XXXX closed out the request and did nothing. I called every other day from XX/XX/XXXX until the end of XX/XX/XXXX. All I got was the runaround and no one would help me. The window for me to refinance closed at the end of XXXX. I contacted the Iowa Attorney General XXXX XXXX 's office at that time and I filed a mortgage complaint. They sent the complaint to Fay and gave them 15 days to respond. Fay waited until their 15 days was up and they finally sent the lien release. Their delay cost me to have to refinance my home at 2.99 % instead of 2 % because Fay neglected to file the lien release when they should have on XX/XX/XXXX! This has impacted our refinance! During the time I tried to work with them, I have never been treated so poorly! they were so rude and condescending and flippant about our situation! Do I have any legal recourse? They should be fined and held responsible for my financial impact. Thank you!! I don't really have anything other than the complaint I filed through the Iowa Attorney generals office which is an email format.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are open under my name and social. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$460.00} DEPTEDXXXX XXXX {$4900.00} USDOE/XXXXXXXX   XXXX {$11000.00} XXXX/XXXX XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called to file the dispute on XX/XX/XXXX and tried to explain to them that I was a victim of inquiry issue. I was told that I was not a victim and that they can not due anything because they do not do anything about it. They told me to wait till they get off my credit. 
inquiry that I was referring to was : XX/XX/XXXX and XX/XX/XXXX - US SM BUS Admin ODA XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a credit card I got when shopping for a mattress at mattress firm. I opened the Synchrony account 2 years ago. After 2 limit increases my final limit was {$7500.00}. NEVER late, NEVER over the limit. Current balance {$0.00}. Out of the blue, I get a notification from MyFICO that my new limit is now {$250.00}. Who tf can purchase anything for {$250.00}? I called and they said we periodically check your credit, and your score must have gotten lower. So you lower my limit because Im utilizing other cards and my balances have increased?! Especially during this global pandemic. They are not consumer friendly. I told the lady close the account all together.
Product: Debt collection

account no XXXX XXXX XXXX XXXX ( {$10000.00} ) Someone opened this account a long time ago, I called the company that this is identity fraud. They did not respond yet.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX XXXX XXXX Charge-Off Status and Payment History : o Both XXXX and Experian list the account as " Charge-off '' with a balance of {$16000.00}, but there is no explanation for this status. 
o The payment history does not show late payments leading up to the charge-off. 
XXXX. Inconsistent Reporting Across Bureaus : o XXXX : Provides no data for this account, resulting in an incomplete report across all bureaus. 
XXXX. Future Reporting Dates : o Last Reported : XXXX and Experian report a " Last Reported '' date of XX/XX/XXXX, which is a future date and violates the FCRA 's timeliness requirements. 
XXXX. Resolution of Consumer Disputes : o Both bureaus mention a prior dispute with comments such as " Dispute resolved reported by grantor '' ( XXXX ) and " Account previously in dispute now resolved '' ( Experian ), but no resolution details are provided. 
5. High Credit vs. Balance Discrepancy : o High Credit : {$27000.00}.

o Balance : {$16000.00}.

o While this discrepancy may not be inaccurate, it requires clarification. 
XXXX. Date Last Payment vs. Date Last Active : o Date Last Payment : Listed as XX/XX/XXXX. 
o Date Last Active : Listed as XX/XX/XXXX. The date discrepancy requires correction or clarification. 



Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 
2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. General credit was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX  and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.
Product: Mortgage

I paid off my mortgage on XX/XX/XXXX XXXX XXXX with excess funds left over in escrow. The check for the amount was supposedly mailed on XX/XX/. It never arrived in the US mail. After repeated calls to BECU to ask what happened to the check, a second check was issued on or about XX/XX/. That check has not arrived either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & TRANSUNION are reporting a bankruptcy on my credit report and they did not obtain the information from the XXXX XXXX XXXX XXXX  per the letter attached from the Bankruptcy Dept. Per Fair Credit Reporting Act, Section 609 they have violated my rights by providing false information obtained illegally. Im requesting the credit bureaus remove from the bankruptcy from my credit reports.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/year> : XXXX XXXX XXXXXXXX XX/XX/year> :