23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the month of XXXX we received a letter that the escrow account was short due to a disbursement of a payment for home insurance since we changed insurance companies and that as of XXXX our mortgage payment was going to increase from XXXX to XXXX. We made a payment for the insurance disbursement of {$1700.00} in XX/XX/XXXX. This payment should get escrow up to date and payments should have been recalculated for the month of XXXX. When I called in XXXX I was told it could take 30 days for payment to be recalculated. when we received our statement in XXXX for the month of XXXX payment was still showing at XXXX. I waited hoping this would get corrected. Around XX/XX/XXXX approximately I called again and asked why the payment had not been recalculated if we have made that payment in XXXX. The person whom I spoke to said that because we did not made a full payment towards escrow in the amount over XXXX which included an adjustment for estimated escrow for the 2025 year. The payment did not triggered an adjustment in payment. I told the agent that I understood but it should have been adjusted based on the {$1700.00} dollars that was paid in XXXX. The agent said that it normally took 30 days for the adjustment to be processed but since it was not done in XXXX she was going to have this expedited and it was going to take a week or so to be done so it would reflect the correct payment. I explained to her that I was not able to afford the high payment of XXXX that it was almost XXXX dollars more a month and I was in XXXX. I told her I will just wait to pay the mortgage on XX/XX/XXXX hopefully the payment was already recalculated. On XX/XX/XXXX to XX/XX/XXXX their payment system was down and we were not able to make the payment as it was cut off of XX/XX/XXXX end of the grace period. 

Now we received a letter saying that the {$970.00} dollars which is an estimate of the payment after the recalculation has not been posted to the account and not applied towards any payment and plus we are being charged late fees even if their payment system was down. So now they are not applying our payment we made plus adding late fees and still they have not recalculated our correct payment based on the escrow payment we made back in XX/XX/XXXX of {$1700.00}. The agent said pay the full amount and we can reimburse you later. I told her NO because the last time I did that it took over 48 days for them to reimburse my own money, when my other bank sent doble payment in error.

I want this to be resolved asap, I been making payment of escrow and mortgage and they are just not applying and recalculating payments as they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX On the dates above it says that my accounts were closed. I have only ever signed up for that card 1 time but according to my credit report I have had 3 separate accounts with them. My card was also closed without my knowledge.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Disputed XXXX  XXXX charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX  charge off to be deleted from credit report XX/XX/2024 Disputed XXXX XXXX charge off to be deleted from credit report XX/XX/2024 Disputed Upgrade Inc charge off to be deleted from credit report XX/XX/2024 Disputed XXXX closed account to be deleted from credit report
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS 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 XXXXXX/XX/XXXX
Product: Checking or savings account

We've banked with Wachovia/Wells Fargo for years. 

This is our last year. 

Wells Fargo has opened XXXX different checking and savings accounts in my name over the past 10 years - Even when we told them not to. When we asked for an escrow account, they opened up another savings account. 

The real issue here is the fees. Each account has fees taken out every month. They are literally stealing from us. Then, when we had an issue with a check deposit in a branch, they drained our account, charging us fees for every transaction that was impacted by this event. 

I'm done. We tried to close these accounts. They keep charging and charging. I do not know how to end this one, but I know they've really screwed me here.
Product: Debt collection

Dear CFPB, I am writing to formally dispute the following information on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o. 
Account Information to Dispute Creditor Name : RESURGENT/LVNV FUNDING Account Number : XXXX Disputed Information : debt buyer Date of Entry : XXXX The information listed above is incorrect for the following reasons : This creditor purchased debt without my consent or agreement and is trying to collect by fraud. 
Under the provisions of the FCRA, specifically 15 U.S. Code 1681o, and 15. U.S.C 6802 I request that this dispute be investigated within the 30-day timeframe required by law. I also request that any inaccurate information be corrected or deleted as appropriate. Failure to properly investigate or rectify the issue may constitute a willful violation of the FCRA, which may result in penalties as outlined under 15 U.S. Code 1681o. and 15.U.S.C 6802 Please send me a written response confirming that the dispute has been resolved, and if corrections have been made, I request that an updated copy of my credit report be provided. 
I look forward to your prompt resolution of this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian 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 Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I have sent experian letters 45 day apart asking them to delete the wrong listed addresses and wrong names from my credit report. I included the letter a copy of my ID, social security card, and 3 proofs of addresses each time. I recieved a letter stating they did not remove the addresses after the 1st letter but did not recoeve any notification after the 2nd or 3rd letter. All names and addresses I ask to be removed still remain on my credit report. That are not my correct names nor my correct addresses, I own several properties at which I do not reside at and can not or have access to the mail going there. These addresses and wrong names need to be removed from my credit report immediately. XXXX and XXXX removed them on the 1st letter I sent.
Product: Credit reporting or other personal consumer reports

XXXX  refuse to delete informaiton or block merchant that has account on report thats not accurate i also provide ftc and police report XXXXXXXX XXXX still reporting on my credit report i uploaded was ignore nothing has been done XXXX  fail to accurate remove information on my report also along with account and XXXX XXXX  i dont owe these merchant anything.never sign no contract withthis companies
Product: Checking or savings account

I am a Bank of America customer for past 11 years ( since 2013 ). At some point in this XXXX bank of America converted my account to Advantage account as I have always maintained a healthy balance. 

XXXXXXXX XXXX XXXXXXXX  account is having a overdraft protection - I have never used it and never need that. 

Today I noticed that bank has changed me Maintenance fee of {$25.00} and upon checking with bank they are saying that I need to maintain a minimum balance of {$5000.00} as my balance dropped hence they are charging this fee. 

My appeal : I never opted for this advantage account. I never used any of the feature this advantage account has to offer. The bank has tricked/ cheated me with this account feature and now asking me pay a maintenance fee of {$25.00} for something which I never opted and never used in last 11 years with this bank. 
Request you to get my {$25.00} and investigate this bank as many other customers like me might be getting cheated this way.
Product: Payday loan, title loan, or personal loan

I went into  Title Max  ; dealt with  General Manager ,  XXXX , who said he could not do a purchase of a car unless the title was switched immediately. I do n't know if that broke company policy. With the closing it was all done electronically. I did not get a chance to read the disclosure or get a copy of it before leaving ; so I had no rescission period at all.    Two w eeks later when I printed and read the documents the interest rate was over the top.   When payments were due  XXXX  kept calling me at my employment ; I told him I could lose my job if he continued. I was forced to change my number. I was also forced to payoff the loan with the enormous interest rate and the chance of losing my job. I had a friend borrow the money. I paid off the loan on   XXXX   XXXX   XXXX    . Its now   XXXX   XXXX   XXXX   and I still never received the free and clear title that was to be expedited on   XXXX   XXXX   XXXX    .  Title Max bl amed it on  XXXX  and it was  Title Max 's fau lt.
Product: Money transfer, virtual currency, or money service

Had verbal agreement with ARSI to make payments monthly with the understanding that the monthly payment would be shared with all accounts. By using ARSI website payments were entered and selected on all accounts. After further notice the website of ARSI did not distribute payments to all accounts as indicated on website. The company only selected a few accounts and paid limited accounts in order to gather more interest on accounts. Even some accounts were paid in full but still had a balance due to interest. This tactic seems to put myself in a revolving account by only paying interest and not disclosing this information to myself with the verbal agreement that ARSI had with myself that all any payments would be distributed evenly to all accounts. No written notice was given to me with negatively affected accounts that were reported to credit bureau after ARSI showed balance on certain accounts were not being payed. ARSI did not all myself to dispute any unpaid accounts because I was not properly notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed with XXXX  to remove a comenity capital bank account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with comenity and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account with XXXX that was opened in XX/XX/XXXX, paid off, and closed in XX/XX/XXXX. Despite the account being closed and paid for seven years, XXXX, XXXX and TransUnion continue to inaccurately report differently, showing the account as open, active with some even showing available credit. 

Under the Fair Credit Reporting Act ( FCRA ), outdated information, such as accounts that are obsolete after seven years, must be removed from credit reports. This account is well beyond the allowable reporting period, yet creditors have failed to accurately investigate and correct this issue despite my repeated efforts to dispute the inaccuracies
Product: Credit card

At the XXXX office I signed up to pay the remaining balance - zero interest with Care Credit - now Synchony Bank. Since I am a busy working mother and Synchrony bank continued to ask me to move to to this method - I signed up for electronic payments. They automatically calculate your payment and it is drafted from your checking account. This process is easy and I have no complaints on that process. 
My complaint is this, in the email that comes each month is a link to a statement but in the body of the email is the amount. So I do n't have the need to look at the statement - I just go in and pay the amount. However, what I did n't know was this company does n't want you to remember when your promotional period is up. This is how they make their money. So, when my promotional period was up, I figured this would be communicated either in the email that I was sent each month or in the new payment amount. Wrong! They do neither. They say nothing about your promotional period expiring and they do not adjust your payment to pay the balance off. 
So, because I trusted this company to do the right thing, I missed the ending period. Now I have 2 years of 26.9 % interest. I owe more now than what I initally financed 2 years ago. {$1500.00} in interest without XXXX notification! I find this truly deceptive!! I called customer service and told them, but they do n't care. I have filed a XXXX complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted company explaining that I never made or authorized the XXXX transaction from lending club or so company it said on my credit score I wrote into XXXX they write back saying and explaining there was no account number active by the account number I wrote in and sent copy to them about. I contact credit card company explaining my credit card was lost/stolen but they fix part of it cancel old card and put a stop to it but do n't take transaction off that I never authorized so I never said to authorize the transaction that I never made of an account that does n't exist so I 'm really tired of this and trying to fight to get rid of the fraud charge that I should n't have to pay because I never made the purchase and its starting to really XXXX me off I 'm about to cancel and close credit card because of the company does n't wan na do their part and fix the problem ... I just mailed out a form demanding the fraud be fixed and permanently be reimburse and credited back so hopefully this works I 'm on almost 10th time contacting them should n't have to do it it should 've been done first or second time and fixed immediately.
Product: Debt collection

Midland Funding did not provide adequate verification for debt in question. No documents were provided showing a contract or signature.
Product: Mortgage

My Home equity Loan at Wells Fargo has gone from {$85.00} to {$160.00} per month. I Iost my retirement savings in the XXXX  crash ( over XXXX XXXX dollars ) and got stuck with a XXXX XXXX XXXX for {$25000.00}. I became XXXX soon after only been able to pay the interest for many years. I almost died from XXXX have been sick for XXXX  years. I have tried to refinance with Wells fargo but they can't really help me. Thanks, XXXX
Product: Vehicle loan or lease

On XX/XX/22, I sent a Cease and Desist and Debt Validation letter to Credit Acceptance. I will attach to this complaint for reference. I noticed that the contract that I had for a vehicle that was financed by them, were missing some disclosures and I was not made aware of the appropriate information as required by Federal Law. Credit Acceptance sent back a receipt acknowledging that they have received it, but never responded. They are violating my rights as a consumer to validate an alleged debt pursuant to 15 USC 1692g.
Product: Debt collection

I am a single mother of XXXX children, who works part time XXXX hrs per week, XXXX of my children have XXXX and receive SSI XXXX benifets from Social Security. This company garnished my checking account which was from my children 's benefits which was being used for them and to pay bills. They garnished {$2200.00}. On XX/XX/2017
Product: Prepaid card

I received an Amex eGift Card in the mail. I clicked the link to validate and print the card, which loads on XXXX XXXX XXXXXXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX FIN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So approximately on XX/XX/XXXX or XX/XX/XXXXthe credit card company called XXXX  pulled a hard credit inquiry as well as asked for my bank account information ( account number and routing ) and still wanted my social to apply for a card which is really sketchy then out the the blue they deny my application without reasoning and had access to my financial accounts with my savings
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item from XXXX XXXX XXXX XXXX account number XXXX. The dispute was completed in XX/XX/2023 and the item was deleted from my credit report at that time. In XX/XX/2023 it was reinserted back onto my credit file without warning from the credit bureaus. Which according to Fcra 611 subsection b Is not legal. If all the requirements are not met this can not happen. One main requirement being the notice to consumer no later than 5 business days after reinsertion. Because this was not done correctly they have to remove it immediately.