23daVinci/CFPB_Complaints huggingface dataset:
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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Unfortunately, my mortgage was involuntarily transferred to Carrington. I am XXXX XXXX XXXXXXXX veteran. 

I was behind payments due to covid ( I was XXXX ) and I had it worked out with XXXX XXXX. My loan was transferred to Carrington and the amount due seemed to have tripled.

I currently have a 2.5 interest rate and all Carrington offered is to increase my interest to 7.6! Instead of just putting the past due on the end of the payments. Even the rep I spoke with that works there couldn't believe they are increasing it that high ( which will increase my payments XXXX a month )! I don't know how this is legal. 

I had until XX/XX/30 to pay the past due of XXXX ( I have screen shots stating that ) which I planned on doing. Two reps I spoke with advised me that I am good until XX/XX/30 and I was so worried they would try something sketchy before then. 

On XXXX I made a XXXX payment online ( more than half of what I owe )- they posted the payment and then shut off my ability to make online/phone payments. I called today to see why I can't make payments online and was told since I didnt agree to the loan modification I no longer have until XX/XX/30 to make the payment and I can go in foreclosure at anytime. 

They really do not want people to pay their debt. They would rather take my home. I am XXXX XXXX XXXXXXXX veteran, single mom of XXXX making payments to keep her home and they are doing everything to make it as hard as possible.
Product: Mortgage

my mortgage was transferred from XXXX  ( XXXX XXXX on or about XX/XX/2020 to freedom mortgage and i was never told in advance or at all - i found out by checking XXXX  'XXXX  website regarding my account information. prior to that i began the process to refinance my mortgage with XXXX XXXX. XXXX XXXX   contacted and obtained a payoff amount from XXXX XXXX on XX/XX/2020 and was valid thru XX/XX/XXXX, XXXX not once did they notify XXXX XXXX that the loan was being transferred to freedom mortgage. the total transferred to XXXX XXXX was {$170000.00} which included paying off the principal of {$170000.00} ; prepaid interest thru XX/XX/XXXX of {$790.00} ; an escrow shortfall in the amount of {$1600.00} ; an expedited delivery fee of {$25.00} ; and a $ XXXX county recording fee. the total payoff amount given by XXXX XXXX was {$170000.00} which was about {$100.00} less than the amount transferred to XXXX XXXX on XX/XX/XXXX, XXXX the negative escrow amount was created by XXXX XXXX when in error they overpaid my property taxes by {$2100.00}. i have a federal confirmation number ( #  XXXX ) that the wire in the amount of {$170000.00} was received by freedom mortgage on XX/XX/2020. I made numerous calls to freedom mortgage and once speaking with a supervisor, XXXX ID # XXXX, and was told he didn't know where the wired funds were or when they would be credited to my loan and pay it off. he assured me that 1 ) i would not be listed as past due ( as the loan payment was due on XX/XX/2020 ) 2 ) i would not be reported as late to the credit bureaus and 3 ) I wouldn't be charged interest after the date the wire was received by them to payoff the loan. on XX/XX/XXXX XXXX XXXX sent a second wire in the amount of {$2100.00}, the amount refunded to them by my county treasurer for the overpaid property taxes, to freedom mortgage. these funds, along with the wired funds to payoff the loan should result in a refund to me of at least the {$2100.00} of the escrow funds and approximately {$100.00} of the overpayment with the wire to payoff the entire loan amount. i spoke with a rep from freedom mortgage today and was told that they would only be refunding me {$2000.00}. I was told that they charged me an additional {$160.00} for interest ( 8 days ) from XX/XX/2020 to XX/XX/2020 when the recorded the loan to be paid off. I should not have to pay additional interest for 8 days because THEY took time to payoff my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Again, this is unacceptable. You 're telling me that I am liable for charges that someone in your company thought it was ok to illegally sign me up for, and I am liable because I did n't cancel within 30 days? I would have gladly done so if I would have know I was being charged every month. But again, I had no idea because I did NOT sign up for this credit protection. I do not dispute interest charges, I know I had a balance, there is no reason to dispute those. However, I am disputing these illegal credit protection charges. Also what is this Sales practice litigation settlement? I did not receive anything regarding this. Where is my signature, where is my phone call or memos showing that I authorized this? Again, someone at your bank, had an incentive to do this without proper authorization! I want these unauthorized fees back. Maybe I need to go somewhere else for assistance and make it known that Bank of America illegally sets up fees on people 's accounts and just because it was past 30 days, the customer is liable for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally was able to access my XXXX credit report and see on XXXX Carmax without my knowledge and consent somehow accessed my XXXX  credit report info I have never had anything to do with them and not aware of of this and it is all total fake and fraud. 
I am not trying to buy or get any financing for any car and if this is that it is fraud. 
I also never had anything to do with carmax.
Product: Credit card or prepaid card

Citibank refuses to remove me as an authorized user on my mother 's credit card. Both my mother and I have spent over 7 hours on the phone with Citi Bank on XX/XX/20 and XX/XX/20 respectively. We were transferred around endlessly between different departments, each saying they do not have the authority to process the request because my mother is on a repayment program, and I must talk to the department who last transferred us. It doesn't appear anyone at the company is capable of performing this routine function. 

Even though the account was closed nearly 3 years ago, they only started reporting my authorized user status to credit reporting agencies one month ago, which caused my credit score to drop 20 points in 30 days, so it is not a trivial matter. 

My belief is that Citibank wants to keep me as an authorized user and apply credit pressure in case my elderly mother dies or defaults on payments so that they can come after me, despite there being no legal justification for keeping me on the account that they can cite. Not only is the account closed, I haven't even had a physical card for this account or initiated a purchase on it in nearly 10 years. 

I don't believe they have the right to keep me on the account, or to continue reporting my involvement with the account to credit agencies after both the primary account holder and I have made more than reasonable attempts to sever my involvement with the account.
Product: Credit card or prepaid card

I opened an account with American Express in XXXX of XXXX, they offered me a credit limit of {$8000.00} along with their terms of credit, since then, I was using card and also making payments on the due date, I have never been late or gone over my limit. 
I always make sure I was in compliance with the terms of Agreements. 

On the XX/XX/XXXX I found out that they were going to reduce my limit to {$4700.00}, I was shocked because I have never late or went over my limit, they reason they gave was that my score was not now good enough now. 
( upper 680 '' s ) and there were other reasons on my account. 

Out of annoyance I cancelled the card, because I was mad, then the next day I asked to by re-instated, they told me I would receive a decision in the mail. they now sent me a letter saying was denied, I am now worried about the balance, if they are going to try to take it to collections, They will not give me a chance to follow terms of card. When they report to the credit bureaus, will they report limit of {$8000.00} or {$4700.00}. it will seem like l I maxed out limit when it is not so. 
Please help me investigate, I still want to pay down the balance. I am very upset and worried. 
Thanks
Product: Debt collection

Hello My name is XXXX XXXX and I am writing for assistance against a company 's that I have been disputing with for over 5 months and which have not been forthcoming with information requested. While they report data onto my consumer credit files in an inaccurate manner they do nothing to answer my concerns or comply with what I am asking them for. I have turned to the CFPB as my last resort to help mediate this problem and also to oversee that they actually meet compliance to the FCRA and specifically the FDCPA and not just have them stamp their disputes that way without doing anything. 

The company is XXXX XXXX XXXX, who i have disputed and requested documents under the provisions of the Fair Debt Collection Practices Act. I simply do not have enough information about this account and need their assistance so that I can review all information and then dispute accuracy if need be from the information they hold. I need this and it is not being provided. i ask that if this company does not have such information that the removal of the illegal reported collection be stricken from my files. They have done enough damage and have done nothing to meet actual FCRA requirements. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Consumer/living soul XXXX XXXX XXXX XXXX GA XXXX XXXX & Desist Account # Account name I am writing this letter to inform you that I am issuing a cease & desist on this account # & name refer to see attachment Pursuant to state & federal law I am ceasing all Communications on this account through all medium except for paper mail at this address XXXX XXXX XXXX XXXX GA XXXX Informing me that all activities and removal has been completed refusal to comply with this cease & desist will be continue in lawful action. 

Pursuant to law I did not give you a written or verbal consent to have or shear my personal information. 

Pursuant to law its a violation to have and shear my personal information without consent of any kind. And this action that you have taken has put my life in grave danger by invasion of privacy. 

pursuant to law transaction between the consumer and the person making the report is confidential Pursuant to law it is against the law/violation to be involved in racketeering activities, coercion, fraud & swindle, extortion, discrimination, & aggravated identity theft. 

You have also committed treason, depriving me of life liberty and the pursuit of happiness. 
So please stop reporting this account to the world remove these account seize all publishing activity clear my file of all inaccuracies AND RASE MY SCORE SUBSIQUENCIALLY Ignorance to the law is no reason to break it everyone must follow the law Notice is complete upon delivery This is not a dispute pursuant to your privacy police consent have/has to be given before any shearing takes place YOU HAVE 3 DAYS TO REMEDY THIS REQUEST Yours truly Original creditor XXXX XXXX
Product: Checking or savings account

Well Fargo offered a savings account opening bonus offer of {$520.00}. 
I opened the account with a deposit of {$25000.00} on XX/XX/2023. Funds were left on deposit and a withdrawal of {$21000.00} was made on XX/XX/2023. 
Wells Fargo refused to pay me the bonus because they claim I withdrew my money too early. 

How to qualify for your {$520.00} bonus : Eligibility Requirements : This offer is for new savings customers only. All Wells Fargo consumer savings accounts are eligible for this offer with the exception of Time Accounts ( CDs ) and savings accounts offered by Wells Fargo XXXX XXXX. 
You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo savings account. 
You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer savings account You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past 12 months, You are a Wells Fargo employee Bonus Requirements : To receive the bonus, you must : Open a new Wells Fargo XXXX savings account with a minimum opening deposit of {$25.00} in a Wells Fargo branch by XX/XX/2023. All account applications are subject to approval. 
Bring {$25000.00} or more in new money to your new savings account by Day XXXX and maintain at least a {$25000.00} balance through XXXX XXXX after account opening. 
New money is money that is new to the customer or new to Wells Fargo ( deposited into the customer 's new savings account directly from outside of Wells Fargo and XXXX and all affiliates, or from a Wells Fargo account not owned by the customer ). 
Bonus Payment : We will deposit your bonus into your new savings account within 30 days after you have met all offer requirements. 
The new savings account must be open at the time we attempt to deposit any earned bonus payment. Please note that an account with a XXXX balance may be closed by us without prior notice, as further described in the Deposit Account Agreement. 
You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor. 

I feel I fulfilled all the requirements and I hope you also agree. Thank you. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ca XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Owed : {$7400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : - XXXX XXXX  XXXX Balance Owed : - XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX Balance Owed : - XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$4100.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed by Consumer Report and noticed inaccurate/unverified information is being reported by the CRAs. I have disputed inaccuracies with the Creditor/Data Furnisher and both agencies did not provide reasonable procedures followed by law of reporting adverse account information to my consumer report. 

15 U.S. Code 1681e of the Fair Credit Reporting Act ( FCRA ) outlines the requirement for maximum possible accuracy of information in consumer reports. Heres the relevant section : XXXX - Compliance procedures 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 XXXX. 

15 U.S. Code 1666b - Timing of 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 to ensure that each periodic statement, including the information required by section XXXX ( b ) of the FCRA, XXXX mailed or delivered to the consumer not later than 21 days before the payment due date. 

The following accounts are reporting inaccurate and unverified - XXXX XXXX XXXX XXXX XXXX Late Payment reported on XX/XX/XXXX, XXXXCreditior/Data Furnisher did not verify/validate late payments under the FCRA. 

XXXX XXXX XXXX XXXX  Late Payment reported on XXXXCreditor/Data Furnisher did not verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor XXXX XXXX Charge Off-various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor XXXX Late XXXX day late XX/XX/XXXX, XXXX ( added after disputing XXXX day late ) XXXX XXXX day late-XXXX, XXXX ( added after disputing which shows inaccurate reporting ) -Creditor/Date Furnisher failed to verify/validate late under FCRA-Creditor added additional late payments-CRAs added additional late payments to consumer report without verifying-which shows inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late XXXX Furnisher failed to verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor
Product: Checking or savings account

On XX/XX/XXXX, our accounts ( checking and savings ) were frozen due to fraudulent activity. WF said they would be closing the account. XXXX went to the manager of the XXXX branch to see if she could get a check for our funds or part of the funds. He was very helpful and got on the phone to fraud dept and they said they could only do that if both people on the account were present. XXXX and XXXX, who got off early from work and came from XXXX, then met over at the XXXX branch. The manager there was also very helpful and again called the fraud dept and was told they could not help them and transferred to another dept, who did not answer the phones because they had gone home at XXXX. So XXXX and XXXX came back in the next morning, taking time off from work, for the manager to call again. When she finally got hold of someone they said all funds were frozen until XX/XX/XXXX when a check would be cut and the accounts closed. She tried to get even part of our funds for us to live on, but the fraud dept refused. It is now XX/XX/23 and our funds have not been released and no communication has come to us about when we can expect our money.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since Then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX XXXX Account Number : XXXX.
Product: Debt collection

I sent out letters to the credit bureaus and the creditors on : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Cheating me out of my repayment rights. Reporting to have had defaulted my loans, also end up damaging my credit score. Also they are being sued also by federal government.
Product: Credit reporting or other personal consumer reports

Attempted to apply for a vehicle a few weeks ago when the salesperson told me that my credit score was XXXX and I would have to put down a deposit. I knew this wasn't right because I've always been in the XXXX 's. Well, come to find out, someone had stolen my information from a online store I used to shop with. Long story short, I went to the FTC for help and they gave it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was in a the market to shop for car and they pulled my credit from few different lenders without disclosing it with me. 
I tried to dispute it with Transunion, XXXX and XXXX and i did not get a proper respond. I'm very upset that those hard inquires is going to be on my credit repots which I did not allowed it. I would appreciate it if we could get those removed. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion experienced a computer glitch the early part of this year that deleted my inquiries off of my credit report. Transunion later added the inquiries back on to my credit report without giving me the legally required 5 day written notice prior the inquiries being added back on to my credit report. I called Transunion on  XXXX / XXXX /  XXXX   and spoke with a foreigner and I asked for the inquiries to be deleted, and I was denied. The rep stated that I was not a victim of identity theft, and that the inquiries would remain on my credit report. The rep hung up in my face. These inquiries add a hardship as I 'm constantly denied credit and my rights were violated by TransUnion.
Product: Debt collection

Debt owed to XXXX of {$110.00} was paid in full to XXXX XXXX. Prior to payment of debt directly to XXXX, debt had been sold to Diversified Consultants. XXXX updated with Diversified Consultants that debt had been paid. I disputed with XXXX to have Diversified Consultants account deleted from credit report XXXX and XXXX. I spoke with Diversified Consultants XX/XX/XXXX to inquire why the account had not been removed. Diversified Consultants stated that though account was paid in full directly to XXXX and that account had been given back to XXXX that they had to have authorization from XXXX to remove from credit report and for me to speak with XXXX. I called XXXX and was told that CSR from Diversified Consultant was misleading and that account should have been removed from my credit report and as I am good standing that there is nothing on XXXX 's end that would prevent Diversified Consultants from removing the account from my credit report. I again called Diversified Consultants and told by another CSR that though debt is paid in full to original creditor that Diversified Consultants do not/ will not delete paid accounts and for me to consult a " credit expert ''.