23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My credit report changed on XX/XX/2020 sending me a notification when I checked it, it stated my mortgage company made a change stating my account balance increased {$7200.00} ( having never missed or been late on a payment ) I immediately called them and spoke with XXXX XXXX, who stated he could see no reason/note on what changed and that someone would contact me. 

Prior to all this, I had contacted the mortgage company about delinquent taxes ( taxes are to be paid, per my loan, by the mortgage company ) I had received a bill from the tax collector stating unpaid. When I called, I was told very rudely that they would be paid and the mortgage company who had my loan ( XXXX ) never paid them. 

When I called again on Monday I spoke XXXX and was told I had to wait till Friday, to get an answer. No one called so I called back spoke with XXXX XXXX i was driving and couldn't write her # down ) I was told there was an error and it would be corrected the amount of the increase was not what was reported, I stated there should be no increase I have not missed any payments. She put me on hold, then came back 15-20 mins later apologized having me on hold so long, and asked if I were still there and said someone would call me. No calls came, I then received my statement, showing my monthly payment increased, I called once again, was told there was nothing was noted in the system, though someone would call me from the escrow department. No one has called, so I just left another message as i couldn't get a live person on the line.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

One year ago XXXX XXXX offered me protection with a 60 day money back guarantee. Within the 60 days I asked for a refund but they would not return my emails and I could not reach them by phone ... there was not customer support number anywhere on their website. I reported it to Fidelity Credit Card Company and they ruled in my favor and refunded the charge. 

Well a year later XXXX charged me again even though I didn't want the service in the beginning. Fidelity ruled in my favor and had me destroy my credit card and send me a new one. In my discussion on the phone you would think they would explain my automatic bank payments would now bounce, which they did. So Fidelity charged me {$30.00} for this. This happens every time they create a new number so why wouldn't they warn me that .... well so they can gouge me {$30.00}. 

Then they reversed their decision and decided I was responsible for the XXXX charge after all and added it back to my account It is a VISA card and the acct number is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Now, I've found that the accounts have been reinstated on my credit report. If any data previously removed from a consumer 's record under subparagraph ( A ) is added back, the consumer reporting agency must inform the consumer in writing within five business days of the reinstatement. Alternatively, if authorized by the consumer, the agency may use any other available means for notification. Below are the list of accounts that reinstated iin my Credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1800.00}
Product: Mortgage

On XX/XX/XXXX I closed on a residential loan with TD Bank. The bank made an error by not generating the new payoff of the construction loan which would have added the funds to the residential loan amount. This resulted in a loan deficiency. 

Principle Balance : {$920000.00} ( loan amount ) XXXX : payoff loan generated ( {$890000.00} ) XX/XX/XXXX : last disbursement of the loan sent to builder ( {$33000.00} ) The reason for the shortfall was that TD Bank never verified the updated payoff amount. This caused the pay off to be short by {$29000.00}. 

The expectation is for me, the consumer, to pay a lump sum or take out a second mortgage. These were not the terms and condition of the closing disclosure. 

In my conversation with management, the bank has acknowledged they made an error but with no satisfactory resolution.
Product: Debt collection

Keep calling from different numbers I stated to leave me alone and take me off the list.I also have no knowledge about the debt there stating I owe and I just had a baby and it's AGGRAVATING.They stay hurassing me I tried to dispute it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX. V financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting 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 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
Product: Credit reporting or other personal consumer reports

submitted a complaint previously. My concern is with the deceptive practices of these agencies without regard to " doing that which ought to be done ''.
Product: Debt collection

Hi this complaint is in reguards to Wells Fargo and there applicability to any freeze they would have ; Stoping me from being able to clai my unclaimed funds ... the imidiate issue is i have added due to me adding an O, to the end of my last name because i was informed by the worker at the original location of where i spent money provided store credit only and a card i could use at there store only ... ... ... .and then when the store which is the XXXX XXXX  ... further upgraded my store credit card to an offical credit card by XXXX, or XXXX   XXXX without my consent and i am without ability to claim the item ... 
All i did as i stated was added an o to the end of my last name ..my social security is tied to the account for Escheatment of all things and i still cant get any answers with ... from there as well as providing a false address due to thats only a trivial gifting card for merchant profit pertaining to that store only ... the reporter is stated Wells Fargo when XXXX is the origial repoter there for the issue is to be handled with them as well by them i need help please ... Exspidite i have a copy of my new just purchased copy of birth certificate ... .. and documentation proof of my statements i will provde. I also have a XXXX Set aside trust that Wells Fargo has a freeze on aswell but just noteing to provide awareness
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WELLS FARGO AUTO LOAN ACCT XXXX .... WAS PAID OFF IN XXXX BUT IT'S REPORTING AS A CHARGED OFF ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Debt collection

I am reaching out as a victim of identity theft and to dispute all accounts that has been fraudulently opened in my name. This account is not mine, and I am requesting that it be promptly removed from my credit report. I was XXXX  Unfortunately in XXXX to XXXX, & my wallet with all my personal information was stolen while I was Away & Came Home With My Credit being Used & Stolen.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report. The account in question is with XXXX XXXX XXXX, a revolving account with account number XXXX, opened on XX/XX/year>. 

This account was charged off, and I no longer owe money to this creditor. However, it is still inaccurately showing a balance of {$380.00}. According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and complete. The current reporting of this account is incorrect.

I am requesting that you investigate this matter and either : 1. Provide documentation showing that the balance is accurate and owed, or 2. Update the account status to reflect a {$0.00} balance with no amount due.

Please address this dispute promptly, as required under the FCRA, and provide a written response regarding the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

There are several charges for {$8.00} on my AMEX statement for " travel insurance. '' I have called AMEX multiple times and they refuse to remove the charges because they claim these charges are AMEX approved charges. I don't know anything about these {$8.00} insurance charges. I don't want these AMEX insurance charges. I never asked for these AMEX insurance products. They just discriminate against minorities with these ridicolous charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Debt collection

National debt collector stated loan was taken out from XXXX bank for the loan amount of XXXX on XX/XX/XXXX and it was sent to a XXXX XXXX account ending XXXX XXXX, an account in my name controlled by my exboyfriend A payment was made XXXX XXXX XXXX, but not by me and then it went deliquent. an email : XXXX was given which my ex had acess too. A DL was given but no number is on file. the reference number for national debt collectors is # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payments XXXX XXXX XXXX Account Dear CFPB, I am filing this complaint regarding the failure to correct inaccurate information on my credit report for the XXXX XXXX XXXX account ( # XXXX ). Despite submitting prior disputes on XX/XX/XXXX and XX/XX/XXXX, the incorrect reporting of late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has not been addressed. 
The inaccurate late payment reporting contradicts the following laws : Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in consumer files. In this case, no updates or corrections have been made to rectify the discrepancies, which continue to harm my creditworthiness.

Truth in Lending Act ( TILA ) Violations According to 15 U.S. Code 1666b, creditors are mandated to provide periodic statements at least 21 days prior to the due date. The continued reporting of these late payments raises questions regarding compliance with this statute and has caused unjust damage. 
Discrepancies and Errors Noted Across the Credit Bureaus Account Information Account Number : XXXX High Balance : {$24000.00} Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Term Length : XXXX  Months Account Type : Auto Loan Discrepancies Across Credit Bureaus TransUnion : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite the account being current. 
The account was last verified on XX/XX/XXXX with no updates or corrections since the previous disputes. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which do not align with the payment history listed. 
The account was last reported on XX/XX/XXXX but remains inaccurately reported as having late payments. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the payment status shows " Current. '' The account was last reported on XX/XX/XXXX, with no correction made despite previous disputes. 
Desired XXXX I am formally requesting the immediate removal of the inaccurate late payment notations from my credit report across all three credit bureaus. Additionally, I request : Written confirmation of these corrections. 
An updated copy of my credit report reflecting the accurate status of this account. 
If this issue is not resolved promptly, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages caused by these inaccuracies. 
Thank you for addressing this matter promptly. I look forward to your written confirmation of the correction. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report agencies are reporting different information about an account on my credit report. They are reporting different " last reporting dates " and after the account shows that it had been charge off one of the agencies is still reporting OK Payments after 2 years that the account had been Charge Off..
Product: Bank account or service

I had several accounts at Wells Fargo From XX/XX/XXXX - XX/XX/XXXX and I was forced to take my banking elsewhere because My account magically kept going negative and i was getting inundated with service fees on a daily basis to the tune of hundreds and possibly thousands. I lived over an hour to the nearest branch and kept on having to drive to XXXX XXXX XXXX just to make deposits in the middle of the night. I knew something was a miss but things kept shuffling around. Wells Fargo Was an account I set up on line Several years ago and started using it as they were getting larger and were possibly moving up towards the massachusetts area. After several accounts were set up and kept overdrawing at one point they froze my account and kept charging me overdraft fees and I had to pay them all down because otherwise I could n't open up another bank account with another bank as the XXXX would block me and show I owed money to Wells Fargo. Now, after seeing that these accounts were manipulated I am sure that my account was one of them. I had direct deposit and service fees and set up fees kept showing up and wiping my balance down so I would bounce checks and incur even more fees. It was a nightmare and I feel I was part of this scandal as my accounts can easily be verified and confirmed. My full name is XXXX XXXX, THe last checks I had from Wells Fargo would Show the address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX or a XXXX, XXXX Address. 
I was forced to pull all my banking at one point as my money kept disappearing. I know this was intentional and now after seeing this scandal I am convinced it happened to me. 
My email address is XXXXXXXXXXXX and my Cell number is XXXX but I know the bank has all my records going back.
Product: Student loan

I graduated school in XX/XX/XXXX with a balance of {$25000.00} +/- a few hundred dollars. I wasn't able to make the full payments to my loan servicer XXXX Sallie Mae then Navient ), and was granted several forbearances. I eventually was entered into an income driven plan. I have all the payment history printed from Navient. I have paid over {$16000.00} in the last 10 years and I still owe {$24000.00}. I have been making payments every month even with the government forbearance. I feel there is no way to ever pay these loans off. I would like someone to look over my loans. I have six different federal loans for my XXXX programs from XXXX. 
I would also like to know how my XXXX tax statement says that I paid in {$2300.00} in interest when according to their website, I have only paid in {$370.00}. Does that mean that while there is a government forbearance that they are still collecting interest? Any help would be appreciated. Thank you.
Product: Mortgage

I'm currently in forbearance under the Cares Act and it is scheduled to end on XXXX XXXX. Wells Fargo has given me several options that are not acceptable or beneficial to me. I have a XXXX loan and would like my payments placed on back end of loan. Furthermore, Wells Fargo has put late fees while my mortgage is in forbearance. 
A clear violation of the Cares Act
Product: Bank account or service

Chase suddenly charged us a {$20.00} service fee for our checking account. We have had this checking account for 10 years. When called and questioned, a Chase representative finally advised that we will be charged a service charge since we paid off our mortgage.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect an alleged medical debt in my name and fail to respond to my mail asking them verify the debt. So I am here to file a formal cease and desist in which they will comply with as they ignored my request for for verification and not even a licenced collection agency in the State of Florida. Please see attached pdf
Product: Credit reporting, credit repair services, or other personal consumer reports

I began the process of buying a new home on XX/XX/2022. On XXXX XXXX, my mortgage lender contacted me to say there was a lock on my Equifax credit information. I promptly contacted Equifax and they said the lock was lifted. The mortgage company still could not access the information. After several phone calls, I was told I needed to submit proof of identity and on XXXX XXXX I faxed the requested documentation to Equifax. I was told it would take five days for them to resolve the issue. I called them on XXXX XXXX to check the status and was told they had not seen the fax and to check back in another 5 days. I called again on XXXX XXXX and was told there was a flag on my information and directed to another part of Equifax to fix the problem. The new office said they saw nothing wrong. We reviewed all my information and everything appeared correct but my mortgage company still could not access the information. I had attempted several times to log into the Equifax website but had problems establishing the account. Finally on XXXX XXXX, I was able to reach a tech person who was able to establish an online account for me. Once I gained access to my online information, I discovered that my birthdate was listed incorrectly. I was told if I subscribed to their Equifax ID Patrol program that I could get my dispute resolved quickly. I did so and submitted the required documentation to show my correct date of birth. The website response was that resolution would take up to 30 days. We are scheduled for closing on the new home on XXXX XXXX and will not be able to do that without my lender having access to my Equifax information. I risk losing the house along with the money already paid for appraisal, home inspection and pest inspection, totaling more than {$1000.00}. I have repeatedly been given incorrect or misleading information by Equifax and it is potentially can cost me the home I want to purchase.