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

Experian removed XXXX XXXX inquiry in XXXX dispute # XXXX. Later it has been placed back on credit report with no type of validation nor communication of error or anything. 

Experian removed XXXX XXXX  inquiry acct number ending in XXXX but has not removed other inquiries from the same company. 

Experian are not doing full investigations. They are just simply re investigating and updating wrong information on people credit report. 

Experian also keep reporting wrong information in regards to student loans as well and has yet to removed other inquiries them also.
Product: Credit reporting

I have disputed with XXXX several times and they continue to verify the info that is incorrect on my credit file with Experian and that of my husband 's XXXX XXXX. We filed a complaint XXXX because the account was reporting incorrectly for months. The same info we sent Experian. XXXX verified as correct several times. At this point I want the " DISCHARGE IN BANKUPTCY '' removed from my credit file account XXXXThe other account XXXX # was reaged had a repo in violation of the stay. Lates while under Chapter XXXX Stay and Discharge etc. For both XXXX and myself on the Joint account. XXXX is asking for 60 days to fix all errors they verified previously as correct. Under the FCRA the account now should be deleted DELETE ACC # XXXX from our credit reports. Attach is evidence that the dispute was initially filed over 30 days ago for XXXX and XXXX continued to verify info that was incorrect. and bar from re-insertion.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The issue is that they do not respond to my requests, and whenever I ask them to review potential inaccuracies, they insist that I am someone else, despite me providing all of my personal documents. According to the FDPCA and FCRA, all information must be properly validated and reported with complete accuracy, but that is not happening in this case. 

I have attached a letter requesting them to verify and confirm the accuracy of the reported information.
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 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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, credit repair services, or other personal consumer reports

On XX/XX/2021 I received 3 letters that stated on each one that a previously disputed item that had been removed from my Equifax credit file was being re-instated and in each case on the same date the underlying company had submitted 'a certification that is complete and accurate. I very much doubt on the very same day, 3 different companies sent in certified documents stating the account was accurate and needed to be re-instated. It is more likely the case, Equifax has lied about receiving such documents and the software decided to re-instate previously deleted accounts that were deleted at the time for a particular valid and legitimate reason. This action seems arbitrary and against many of the statutes of the FCRA and possibly other federal laws that may even be unlawful. Millions of customers are affected by the breach, as I was one of them, and now a loan I was working on needed a score of about XXXX and therefore I was approved but the day of the signing it had fallen XXXX points in one day due to this misuse of power, and summarily denied due to no action on my part. Equifax needs to have a large fine levied against them for placing false information on purpose into a customer 's file.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 reported in months that are reported late to be removed. 

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. XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit card

I am writing to dispute a late payment that was reported on my credit card account. I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert from XXXX XXXX that an inquiry from SYNCP/PAYPAL ( bank ) was made on XX/XX/2023 with XXXX. I did NOT request ANYTHING from PayPal. I DEMAND this FRAUDULENT inquiry be removed immediately!!!
Product: Checking or savings account

I have been WellsFargo customer for about 20 years. The issue started when Wells Fargo charged me overdraft fee in XX/XX/XXXX. I sent a message to them that I do not want overdraft service ; they confirmed. Nevertheless, they continued to charge me overdraft fees and contrary to what WellsFargo CEO testified in congregational hearing in XX/XX/XXXX, I am definitely one of the victims for their excessive and abusive overdraft fees. I contacted them again and they refunded some, however, contrary to what I asked to remove the overdraft service, this service was not removed so Wells Fargo at its own discretion would pay for example a {$15.00} debit and charge {$35.00} for it. While I was trying to get this sorted out, I stopped using the account and they contacted me regarding the balance and I explained to them it's about the fees they charged and I'll be happy to bring the balance up to date as soon as they confirm the overdraft service is removed and fees are adjusted, and they noted the account. However, instead of fixing this issue, they sent me below : " We have closed your deposit account ending in XXXX because of its prolonged overdrawn status. We value your business and urge you to contact us regarding this account. The account closure will be reported to XXXX XXXX XXXX ( a consumer reporting agency ). 

You can avoid further collection action by paying the total amount due of {$300.00} today at your nearest Wells Fargo branch. If you are unable to make an immediate deposit, please call one of our representatives at XXXX, Monday through Thursday from XXXX XXXX to XXXX XXXX., Friday from XXXX XXXX. to XXXX XXXX., Saturday from XXXX XXXX to XXXX XXXX, or Sunday from XXXX XXXX to XXXX XXXX Pacific Time to discuss repayment options. A representative will be happy to assist you. We appreciate your efforts to resolve this matter. For people with hearing or speech disabilities, we accept telecommunications relay service calls. 

Thank you, Overdraft Deposit Collections and Recovery '' This is certainly not what I asked ; besides the fact that it was caused by Wells Fargo 's irresponsibility, now they are reporting me to XXXX. I then contacted Wells Fargo through their online messaging and they tried to return the fees but they informed me that because the account is closed, they are unable to and apologized and they gave me a special number to call and get this sorted out. I went to a branch as well hoping i can fix the issue in person, but they informed me that if the account is closed they can not access it. On XX/XX/XXXX, I called that number and they told me there is no way to fix this and I can go to branch and ask the branch manager to take responsibility of the overdraft ... and that they can not help ; basically a total runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a recent review of my credit report I noticed that there are  inquiries ( aut omobile dealers ) that I did not authorize. I contacted  XXXX ,   XXXX   and Equifax of this issue on m ore than one occasio n and to date still no resolution. I am aware that inquiries are to tell if you qualify for an account and I have no current account regarding an automobile with none other than  XXXX   XXXX  and  XXXX . As a consumer I am disappointed in the fact that this could not be resolved directly and I was left to file this formal complaint. Please remove all automobile inquiries exce pt the two m entioned prior.
Product: Mortgage

On XX/XX/XXXX I contacted Wells Fargo to request assistance with my mortgage. Wells Fargo only offered XXXX option which doubled my mortgage yet they stated this was the only option. The payments were to begin in XXXX. I made the XXXX mortgage payments in XXXX which have to be made separately on XXXX different days. In spite of the arrangement being made on XX/XX/XXXX, Wells Fargo proceeded to initiate foreclosure proceedings ILLEGALLY and WITHOUT proper and legal process service. I wasnt aware of this, as XXXX XXXX notified. In XXXX I received a letter in the mail regarding a FINAL hearing on my home. I contacted HUD and the courts and filed a complaint with CFPB after failing to get any information from Wells Fargo. A representative from HUD contacted me regarding my mortgage. He sent a follow up email stating that he spoke with Wells Fargo and informed me that I needed to call and apply for a loan modification with partial claim and that this would bring the loan current. I contacted Wells Fargo and was told there is no such thing yet I proceeded with the application process in hopes that Wells Fargo would consider my account for any and all options. XXXX at Wells Fargo contacted me and I provided CFPB with recordings of the calls. Although Wells Fargo stated to HUD that I would be considered for XXXX Recovery Modification with a Partial Claim, they told me the opposite and my mortgage was not considered for the loan modification. Once again, the only offer made was for me to pay double my monthly mortgage and I can not afford that. I have emailed Wells Fargo to ask about a forbearance as Ive never received XXXX, and to date they havent responded. In my last complaint I stated the following : XXXX. Wells Fargo mortgage practices are discriminatory. They have committed more than XXXX illegal act however they refuse to correct the issue for example the lack of leg service process, their outright refusal to provide loan modification options that are offered to others. XXXX. Ive asked Wells Fargo to remedy these grievances to which they continue to produce fraudulent outlandish documents and say that they have mailed them to me however I received nothing from Wells Fargo. After being spoken to you in a very disrespectful and derogatory I requested that Wells Fargo not call me unless There is a mediator to ensure that they will conduct themselves in a professional fashion. I have emailed Wells Fargo several times and they have yet to respond. I allowed enough time to lapse as to ensure that the complaint is not seen as frivolous or insubstantial. I have yet to receive a email from Wells Fargo regarding the application or the request for mortgage assistance. 

Wells Fargo has not attempted to contact me at all. I submitted proof that I contacted them several times, written proof, yet they have not done the same. Wells Fargo has fabricated evidence to attempt to prove that they have worked with me yet they haven't. I will contact them again, via email, so that I have written proof of all of the complaints and the fact that they have refused to work with me.
Product: Debt collection

I have been dealing with XXXX XXXX for several months now on this issue of early termination fee. I originally had a balance of {$360.00} with them in XXXX of which I paid XXXX to in XXXX. On XX/XX/XXXX I made a payment of {$100.00} and again they said that was fine and no we will not send to collections due to the COVID and they were told it should be paid off at the end of the month of XXXX if not sooner since I am working again. They sent my debt to collections even after 2 managers and a fraud specialist reassured me they would not. The day they sent it to collections according to XXXX  was XX/XX/XXXX. The debt reported was XXXX in which that is also false. It is only {$200.00}. Please can you help me with how I should proceed. The company has deceived me entirely on this matter and was less then helpful. When I call the collection company nobody answers. 
CONVERGENT OUTSOURCING ( XXXX XXXX XXXX.
Product: Credit card or prepaid card

A month after covids happens, Citi decided to lower my credit limit to the current balance amount. The problem that happened with that is that it made it show as 100 % utilization which affected my entire credit score to lower it by a whopping 70 points. Nothing else changed and in fact I  just payed off XXXX in revolving debt just the month prior. So the fact that they cut that limit was the only contributing factor to the credit drop as nothing else changed. It's my highest use card now. I payed off the entire XXXX now and even a month later it still showing up on XXXX   ( see one of the pictures attached ), but that lower limit hit almost the next day on credit reports. I attached my credit unions score which is higher than XXXX XXXX at XXXX. I'm in the best finical position I've been in years and yet the lowest credit score wise. I think Citi did this on purpose to push me over but I stopped using credit. I also missed out on a XXXX consolidation loan ( would have been easy with my XXXX I had months prior ) with XXXX income base plus another XXXX in bonus on top. 

I was declined, I think they should be held liable for all the interest they charged me and what else they stopped me from saving or investing. 

Citibank I think purposefully targeted people to go over their limit and make their credit score drop like a rock. There was no notice of the credit limit decrease, only after it happened. I'm lucky, I used credit but I have 6 months of payments covered ( and life ) because I got lucky and all credit use was non structural and frivolous events. So I just stopped using in then payed it off. This is so criminal that I have no idea how many people they got in this scheme in the last 6 months.
Product: Mortgage

I have had a Home equity loan with Bank of America since XXXX 2013. It is supposed to be a 25 y conventional with fixed payments and fixed interest rate. This loan has been nothing but a problem. I think Im being taken advantage of mainly because most of the money I pay monthly on a timely fashion gets posted to interest and MISC and on several occasions zero posted to principle. I Received monthly statements with different amounts due each month. I requested an audit to be done on my account several times as well as provide me with an amortization schedule, which I was told several times that " .... this loan does not have an amortization schedule, it is a rare product that BOA only has XXXX of these unusual loans ... I do not understand it myself.. '' the BOA rep said. 
It was never disclosed to me that it was an unusual loan, I feel it is a preditory loan because 90 % of my payments go to interest and misc postings ... and on several occasions, zero to principle. I have always paid on time. After I got hang up on several times by the BOA reps, transferred from dept to dept and to automated systems where I had to wait for hours at a time and got disconnected, I decided to reach out to the CEO of BOA hopefully I can get some clarification. I sent him XXXX emails and I got contacted by the resolution department. They reps in this department do not seem very knowledgeable about this type of loan either.
Product: Debt collection

I have tried to gather proof that the debt was mine such as some form of picture identity and signature but the company have refused to grant my request
Product: Mortgage

Have not received a monthly statement in the mail since XX/XX/XXXX. Talked with customer service on XX/XX/XXXX was told to send a e-mail to them requesting statements sent on a monthly bases. This I did. Called them again today XX/XX/XXXX to make sure they were going to send me statements. Person I talked with told me that my e-mail request was never given to whoever handles this, she told me quote " e-mail was left on desk, not delivered " and that " they are not required to send monthly statements in the mail ". Due to the lateness my account was charged a late fee and recorded with the credit bureau. I do not have this account registered on line, need a monthly statement to keep proof of my payments.
Product: Credit card or prepaid card

Someone went into the account via ATM machine and pulled out money on XX/XX/20 ( {$1000.00} XXXX in XXXX, CA & on XX/XX/20 ( {$180.00} XXXX in XXXX XXXX. We called Bank of America to report it and they sent a letter stating that the account or the claim was fraud and if I wanted to request to reopen the claim to call. On XX/XX/20 I called the Bank to reopen the claim and have not received a call nor mail re : reopening the claim. So I have been calling since XX/XX/20 regarding the status of the claim to no avail. I can not reach anyone at the claim 's office of Bank of America. The waiting time is over 2 hours and 3 hours and only then get a recording that they can not take my call at this time and/or the recording automatically hangs up. I can not reach anyone at the claims office. For many weeks, I have made many more attempts to connect but are unable to get a hold of a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all  consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Mortgage

Since Seterus, Inc., has taken over my home mortgage I have had repeated problems with them managing, handling and providing me requested information and documents. I also feel they have, in part, violated the Real Estate Settlement Procedures Act ( RESPA ), 15 U.S.C. 1679-1679j, as noted below.

Below is a list of several problems in which I need your agency to assist me with if possible.

Issue Complaint 1 Failure to update my mailing address to reflect XXXX XXXX XXXX, XXXX, NC XXXX. 

# 2 Failure to provide me a copy of my original loan documents.

# 3 Failure to provide me a copy of my escrow statements for the last 12-months.

# 4 Failure to provide me an account payment history for the last 24-months. I contend that Seterus is charging me {$19.00} a month late fee claiming I am a month behind in payments. My records indicated my account is current.

# 5 Failure to process my request for an escrow account closure since I do qualify.

# 6 Violation of the Real Estate Settlement Procedures Act ( RESPA ), 15 U.S.C.

1679-1679j : 1. A consumer must receive an initial escrow statement which itemizes the estimated taxes, insurance premiums and other charges, if any, anticipated to be paid from the escrow account.

2. During servicing of a loan, the servicer must send a consumer an annual escrow statement summarizing the activity of the escrow account 3. If a consumer is charged an excessive amount for an escrow account or required to put extra money into an escrow account above the amount required by law.

ISSUES 1. My mortgage payment is {$710.00}, {$190.00} ( principal ), {$300.00} ( interest ), {$220.00} ( escrow ). However, Seterus has been debiting from my account and extra {$19.00} for the past several months for a late fee, I do not owe.

2. In XX/XX/XXXX, my mortgage payment went to {$920.00}, {$190.00} ( principal ), {$290.00} ( interest ), {$430.00} ( escrow ). NO NOTICE WAS GIVEN TO ME.

3. I have been advised I will continue to pay this escrow amount until XX/XX/XXXX. 
This is an excessive amount. My property taxes have remained {$2600.00} for the past two years, my insurance payment {$810.00} per year.