23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We made 12 payments in a row to avoid interest charges on our very expensive sectional which we drove an hour from our home to purchase at XXXX in XXXX XXXX, MI. 

After our online account was set up, we opted in for paperless billing because we are environmentally conscious and prefer to receive bills via email. Please see most recent electronic bill received on XX/XX/XXXX. Nowhere on this bill does it inform us that we must pay our balance in full prior to XX/XX/XXXX to avoid any accrued interest charges. Again, per the bill we were under the impression that if the balance of {$290.00} was paid by the due date on XX/XX/XXXX, then we would not have been charged interest. We have never looked at a statement until today when the first customer service rep, XXXX, asked if we had looked at the statement? I replied with no, we have never looked at a statement prior to today. We receive the monthly bill, go online and make the payment on or before the due date. Furthermore, when we made our last payment on XX/XX/XXXX, the balance showing in my online account showed our balance was {$290.00} not the current balance of {$740.00}. If the balance would have been higher than {$290.00} then we would have called in on that day to resolve. Looking back, we wish we would have not opted in for paperless statements then we would have noticed that the payment was due on XX/XX/XXXX. From customers who are extremely busy with day to day life and pay their bills on time every month we would hope that you can make an exception and remove the finance charges for the following reason : 1. Your electronic bills should include a section informing customers as to when a promotional finance period ends instead of just on the statement. Like I said earlier, we have never looked at a statement until this morning after receiving a bill out of nowhere when we thought our balance was at {$0.00}. If this was the case, then the payment would have been made by XX/XX/XXXX. 

2. Please see attached email notifications sent from Comenity Bank, one on XX/XX/XXXX and one on XX/XX/XXXX. If these email notifications DID NOT show our minimum due, due date, and current balance due ( highlighted in Yellow ), then we naturally would have had to open our statement to view our balance and the promo detail expiration date. This is a deceptive email that does not reflect the overall status our account and should not be included in any correspondence to me or any other customer for that matter. 

3. Again, if Comenity mailed our statement to our house then we would have to open it to see what is inside, right? This is a one step process. So, why does an email notification give me balance and not require me to open my statement? If the highlighted information was not in an email to us then we would have to open the statement to see this information.
Product: Bank account or service

I have a mortgage through Wells Fargo. I lost my home due to a fire approximately a year and a half ago and have hired a contractor to reconstruct the home. While the home was under construction, the contractor " accidentally '' built the home XXXX sqft too big and insisted that I pay him for it. I explained that this is not a possibility as we did not contract or approve the additional square footage. The contractor subsequently assaulted the woman living on the property and then quit the project. He and I are currently involved in litigation but I have continued to build the house and pay other contractors to complete the project. Wells Fargo has frozen my funds which are being held in escrow and claim that I can not recoup any money which I have spent until litigation is complete. The home is currently finished and I am awaiting the final inspection from Wells Fargo. Once the contractor quit the project, I followed Wells Fargo 's stated procedure for removing or replacing a contractor and hiring a new one. That procedure being stated as a termination of contract letter or the service of two letters, spaced ten days apart, stating that the contractor is essentially owed no additional money. This procedure was followed, but Wells Fargo subsequently chose to freeze all funds remaining in escrow. I would like the bank to release the remaining funds, as I have spent more than the {$35000.00} which is remaining in escrow.
Product: Debt collection

Ally financial calling non stop all hours of the day 7 days a week. Attempting to collect debt causing me stress
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent : XX/XX/XXXX To : CFPB Subject : Having problems with Cross Country Mortgage My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of Cross Country Mortgage, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ 587 monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to Cross Country. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX
Product: Bank account or service

In XXXX Wells Fargo Bank forced closed a checking account that I had kept open since XXXX. There was a {$3000.00} line of credit which would transfer money to keep it open. When the checking was closed without my knowledge for XXXX I went to a branch to have it reopened, and was told no. They promised to open another FREE CHECKING, with free checks and connect the {$3000.00} line of credit free as well. The new checking was not free as promised, nor were the checks. They charged me {$25.00} every time the line of credit advanced $ to the new acct.which was not the way it was before. They told me one lie after another until I finally just gave up. They also, forced me to opened a savings acct. that I I did n't want or need. It took me several months to close the savings and line of credit.
Product: Credit card

I notified Tjmaxx months ago that I had retained an attorney for the purpose of filing bankruptcy. They called at XXXX which is completely and totally illegal. I wish to file a SERIOUS complaint against them!
Product: Mortgage

I completed a Streamline Refinance application with Banco Popular de Puerto Rico and on XXXX XXXX, 2015 received the initial Loan Estimate. On XXXX XXXX, 2015 I personally signed the disclosures at the nearest branch ; this same day I was charged the origination fee. As requested by the loan originator, XXXX XXXX, I proceeded to gather various documents needed to complete the file, including copy of my drivers license, utility bill and copy of my Social Security Card, and all were sent by email on or before XXXX XXXX, 2015. On XXXX XXXX, 2015 I received a letter by regular mail from Banco Popular indicating that in order to submit the application for approval, I neede to send the same documents previously provided, the SS card, driver 's license and utility bill. The documents were emailed to loan processor once again. Afterwards, I have made various attempts to verify the status of my application without obtaining any decision from Banco Popular. More than 45 days have passed since loan application without a decision and I fear they will change the offer I received for this transaction.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX. I called all Experian, XXXX, and XXXX XXXX. In order to dispute 21 hard inquiries on my credit report. Back in XXXX XXXX XXXX. I applied for a car loan. And I asked the the dealership To only run my credit one time. And here are months later I have 21 Jard inquires. 

When I explain to the bureaus the situation. They told me that, They couldnt remove the inquiries. After I explained to them that I did not give consent to run my credit that many times.
Product: Mortgage

I began searching for a home in early XXXX and secured a pre-approval from Citibank for {>= $1,000,000}, with a loan amount of {>= $1,000,000}. Based on this pre-approval, I signed a contract for a home worth {>= $1,000,000} on XX/XX/XXXX, with a closing date of XX/XX/XXXX. I initiated the loan process with Citibank on XX/XX/XXXX, and provided documentation for my income, which includes a base salary and restricted stock units ( RSUs ) from XXXX. 
However, during the underwriting process, Citibank failed to understand the XXXX compensation process and ignored my RSU vesting dates, which significantly impacted my income calculation. Despite providing detailed explanations and documentation, the underwriter team remained adamant and only considered a fraction of the actual income I will receive from vesting RSUs in XXXX. 
This misunderstanding caused significant delays and churn in the loan process, resulting in 10 days delay and putting us at risk of losing the home. To avoid further delays and secure the loan, I accepted a lower loan amount of {>= $1,000,000}, despite not agreeing with the income calculation. This required me to arrange an additional {$300000.00} for the down payment in a short amount of time. Despite this, Citibank continued to delay the loan approval. 
To cover the shortfall, I decided to sell some of my recently vested RSUs, which incurred a high tax liability of 37 %. This increased our household income to over {$600000.00}, placing us in a higher tax bracket. I additionally took a loan from our XXXX account. Despite these challenges, we requested our seller to consider moving the closing date forward to avoid losing the home. Unfortunately, our request was denied, and we ultimately lost the house due to the unnecessary delays caused by Citibank 's misunderstanding of my income.
Product: Debt collection

XX/XX/XXXX : I received a letter from PHOENIX FINANCIAL SERV, regarding a medical bill that is alleged to occur in XXXX. 

XX/XX/XXXX : I replied to PHOENIX FINANCIAL SERV, requesting information on the debt. I wrote to ask for - The name and address of the original creditor, - Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
- A copy of the last billing statement sent to me by the original creditor. 
- State the amount of the debt when you obtained it, and when that was. 

In the same letter, I formally requested that " In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. '' XX/XX/XXXX : Letter received by PHOENIX FINANCIAL SERV. I can provide evidence from USPS tracking. 

XX/XX/XXXX : Against my request, and without any further notice, PHOENIX FINANCIAL SERV flagged my account in at least one credit bureau as Collections and severely damaged my credit scores.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I uploaded on experian.com/XXXX  successfully my dispute letter and credit report to Experian about public records they are reporting by error on my credit report. I also provided them with a copy of my driver 's license with my current address to provide identification. 

I called yesterday XX/XX/XXXX to check on the status of the investigation but the representative said that they had not investigated anything received onXX/XX/XXXX. Experian is suppose to contact the data furnisher of this disputed information within 5 days of a dispute. They did not and this is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact Experian, XXXX, and XXXX regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for Experian, XXXX, and XXXX. 
Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX Inquiries : XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I reported a identity theft fraud issue where someone opened up a checking account in my name the associate closed it out and gave me a fraud claim number XXXX at that point I Froze my check system profile to prevent this issue from happening again but Bank of America allowed another checking account to be open in my name which was again fraud on XX/XX/23 without taking additional steps to block a new account from being open claim number XXXX.
Product: Credit card

I applied for credit through XXXX XXXX, XXXX, MI to purchase a new washer. I was denied. I paid for the washer with my XXXX XXXX. A couple of weeks later, I received XXXX letters from Santandar Consumer USA. XXXX indicated I had been refused credit, the other told me what my limit was. I never received a card or anything further until I received a statement indicating a {$49.00} balance. I called on XX/XX/2015 and spoke with XXXX and was given the run around before I was disconnected. I called back and was told by XXXX who said the {$49.00} is automatically billed for having the card ( what card? ) and I owed this since I opened the account. I explained the situation and after some stressful conversations, was told the account would be closed. The next month I received another Statement showing I owed the {$50.00}. I called again on XX/XX/2015 and spoke to XXXX who indicated that even though I was denied credit through XXXX XXXX, I stilled owed the fee because XXXX had picked up the account on their own. I only applied through XXXX XXXX! I never agreed to have the account " picked up '' by anyone. Again, after more stress and lack of understanding, she assured me the mistake would be corrected within XXXX business days. I received another statement. This time for {$51.00}. On XX/XX/2015 I called and asked for a Manager. This time I spoke to XXXX. She indicated she would " make sure it is taken care of today. '' She was going to send it to the appropriate department to get it done. Well, I have just received another Statement for the {$49.00} and interest.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XXXX Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Aspire started charging a monthly maintenance fee of {$12.00} along with a couple of other fees I did not agree to back around XX/XX/year>. They did offer for me to close my account to avoid the fees at the original terms and carry my balance until paid in full, which I accepted as I have great credit and refuse more than interest. They closed my account and I made my monthly payments and 2 months ago they started charging the fees anyways. I tried to get them removed but they refuse. I was treated terrible, even by the supervisor. Please help