23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or around XX/XX/2020, I signed a rate lock with Interactive Mortgage for a 15 year loan at 2.25 %. Prior to then, I explained to XXXX XXXX that I was waiting for rates to drop but he repeatedly promised and assured me that if they did, Interactive Mortgage would give me the lower rate because they would not want to lose me as a customer, they had sua sponte adjusted rates for other customers and would do that for me, etc. Thus, he induced me to sign the rate lock based on false promises. A few weeks later, we spoke on the phone and I explained to XXXX that I wanted to switch to a 30 year fixed rate instead of a 15 year. We never discussed the rate and no documents were provided to me. Several weeks later, the interest rates on Interactive Mortgage 's website dropped and a 15 year fixed was at 1.99 % while a 30 year fixed was at 2.375 %. Interactive Mortgage told me that due to my rate lock, they couldn't give me the 2.375 %. However, I never signed a rate lock on a 30 year fixed loan. The company went so far as to tell me the rate lock had been extended but I never asked for, or agreed to, any type of extension. XXXX said he tried to get an exception for me but when I asked him an exception on what, he couldn't explain. Interactive  Mortgage and XXXX are liars, and they make false representations to their customers as a bait and switch.
Product: Mortgage

I wrote a letter to Southstate bank pertaining to a 30 day late payment on my credit report. The payment was made XX/XX/XXXX XXXX your mobile app. It was an issue with your XXXX  which you provided to make the payments through. The payment was processed on my end. This is on you and I am filing a complaint with the XXXX, CFPB, ATG, and the FDIC for your fraudulent practices. After sending you my last correspondence you replied and said you are legally obligated to report late payments. Well you are also legally obligated to supply a working means of paying my bill therefore the payment failure was 00 % due to your equipment malfunctioning not due to anything on my part. These late payments are in clear violation of the Fair Credit Reporting Act, as it inaccurately reflects my payment history. As per the law, I request that you conduct a comprehensive review of their records to rectify this error promptly. It is imperative that you provide documented evidence supporting the validity of this late payment. Should you fail to provide such evidence, I demand that you update the late payment entry on my credit report accordingly. Failure to comply with this request will leave me no choice but to pursue legal action to ensure the accuracy of my credit report and protect my rights as a consumer. Your immediate attention to this matter is imperative. Nowhere in the FCRA does it state you must report a payment late when it's due to your own doing. 
I talked to them on the phone and spoke with 3 different reps. In my system it showed i owed one payment in their system they said it showed I owed two payments. I went in and tried to pay it even after this and It wouldnt even allow me to make one payment let alone a double payment. They were trouble shooting and i had to unload the app then reinstall it on my phone. I spoke with customer service and they put me in touch with their tech people and they told me i had to get in touch with the reporting dept and submit a request to have the 30 day late payment removed via email and it would be removed because it was on them and their system malfunctinoing as to why it was late. I did a follow up call after this and I was connected to a supervisor who told me they were expediting the request for it to be removed and that it could take 30 days for the removal. 
I have attached screenshots that proves the payment was made with confirmation. If my late payment isn't updated to paid as agreed I will pursue litigation via XXXX state and county court or Arbitration. I had spoke with XXXX on XX/XX/year> and she told me that this date was the ID and she was a supervisor they are violating the law. they are being abusive and unfair with their practices. they are causing severe financial harm and XXXX to me and my family with their abusive practices
Product: Credit card or prepaid card

I have called over 20 times to barclays phone number XXXX. 

I keep asking them to get me to the disputes team but they hang up on purpose. I have mailed all my dispute proofs to the barclay address at XXXX. XXXX XXXX XXXX, DE XXXX. 

They do not want to talk to me nor do they want to resolve my issue.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I don't recognize nor have applied to, I did not authorize these nor given consent to the companies to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Product: Debt collection

I am writing to formally dispute an account that has been erroneously reported under my name. 
I have disputed this account on XX/XX/year> when I first recognized the debt for the amount of XXXX. 
It came back verified, How I'm not sure no proof was received in the mail or giving to me by XXXX. I asked for a reinvestigation on XXXX asking for proof of ownership and it came back verified again. 
I do not recognize this account and believe it has been reported incorrectly. I have reviewed my records and can confirm that I have no ownership or association with this account. 
Im not sure how this agency got my information or if they even have the right to report this debt. 
I request that you investigate this matter and remove the incorrect account from my credit report. Please. Thank you.
Product: Mortgage

Phone Payments include a fee up to {$15.00}. 
The phone payments are not in my loan contract. The company agreed but continue to charge the processing fees.
Product: Credit reporting or other personal consumer reports

There are some discrepancies in my inquiries credit reporting from TransUnion and Equifax. I did not inquire nor recall the following. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 IS ACCURATELY REPORTING XXXX inquiries, however the discrepancy is with TransUnion and equifax they are reporting XXXX plus unidentified inquiries.
Product: Debt collection

Hello, Commonwealth Financial Systems sent me a letter XX/XX/2019 trying to bill me for {$820.00} for a hospital visit. The alleged original creditor is " XXXX XXXX ''. The current creditor is apparently XXXX XXXX XXXX. 

I have proof of my last payment to the hospital. I called the hospital and I no longer owe them any money ( they said I am clear ). 

If you look here ( XXXX XXXX XXXX   ) the company is known for running this type of scam. 

Please let me know if you need any more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have viewed my XXXX credit report and notice that there is an unauthorized inquire place in my file. This company has put a hard pull inquire on my XXXX. I have sent them letters explaining to them that I have not given any such authorization or signed any documents allowing Wells Fargo Card service to RUN my credit. I have asked them in Both letter to provide me with A copy of the loan application with WET Signature. If they cant provide me with the information I requested, I ask that they remove this inquire from my XXXX Report. They have failed to provide this information and using stall tactics. This inquire still remain on m report.
Product: Bank account or service

On XXXX/XXXX/2016 I deposited a check drawn on XXXX Bank, to Wells Fargo in Battleground, WA. 
I use Wells Fargo near my home in XXXX, WA. 
The branch in XXXX gave me a slip that says I could have XXXX of the XXXX in a couple of days, and the rest on the XXXX of XXXX. I told the person that wrote me the check about this and he showed me on his IPAD that the check had cleared his account on the XXXX. 
I called the XXXX branch yesterday and spoke with the manager XXXX, he said he would call Banner bank and see if it had cleared and if it had release my money. He never called me back. I called Wells Fargo customer service and they said they could no help, that the branch that issued the hold had to release it and got them on the phone a few minutes ago, I spoke with XXXX. She said that the issuer would have to show her his statement and she would then release the funds. 
Since the check has cleared, and Banner bank will not discuss the check with Wells Fargo, as I do n't bank with Banner, I have the money I need and earned sitting in Wells Fargo gaining interest for them. XXXX at Wells Fargo said she had no way at the branch that the funds were ready to release to my account. I find that hard to believe, anything you can do to help would be great. As a consumer my money should not be hijacked for 10 days, it 's stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2015 I secured a mortgage through USAA in the amount of XXXX. I never missed a payment and this account is not being reported by XXXX. They refuse the properly report my credit worthiness. 

This is the 3rd account that has never been late and was in perfect standing they refuse to report. XXXX has reported it but I pay for the XXXX service. I dont pay XXXX XXXX thats why they dont report my credit properly. 

They need to report my previous mortgage immediately
Product: Debt collection

This PORTFOLIORECOV needs to stop calling my house. They abusing my phone and me and needs to stop now
Product: Credit reporting or other personal consumer reports

I HAVE REPORTED NUMEROUS TIMES AN INACCURATE DEBT ( XXXX XXXX XXXX XXXX ACCT # XXXX ) TO EXPERIAN SHOWING IN DETAIL THE INACCURACIES IN WHICH EXPERIAN HAS IGNORED. I HAVE ASKED FOR A PROPER RE-INVESTIGATION WHICH EXPERIAN HAS IGNORED AND NOW CLAIM THAT THE DEBT HAS BEEN VALIDATED BY A DATA FURNISHER,. EXPERIAN HAS REFUSED TO DELETE THIS INACCURATE DEBT AND HAS REFUSED TO PROVIDE ME THE PROPER AND LEGAL INFORMATION THEY USED AND OBTAINED TO VALIDATE THIS INACCURATE DEBT ( NAMES, CONTACT INFORMATION, DOCUMENTS ETC ). EXPERIAN IS VIOLATING THE FCRA BY CONTIUNUOUSLY REPIORTING THIS INACCURATE DEBT
Product: Credit reporting or other personal consumer reports

AFTER REVIEWING MY ANNUAL CREDIT REPORT BECAUSE MY INFORMATION WAS COMPROMISED IN A DATA BREACH WE NOTICED SEVERAL INQUIRES THAT WE DID NOT AUTHORIZE IN A ATTEMPT TO OPEN NEW ACCOUNTS AND ALSO SOME ACCOUNTS WE WERE NOT AWARE OF ON OUR CREDIT REPORT WE HAVE FILED A POLICE REPORT AND THEN NOTIFED THE IDENTITY THEIFT .GOV AND ALSO HAVE PLACED A FRAUD ALERT AT THE CREDIT BUREAUS AS OF TODAY Experian has also refused remove an inaccurate address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) not associated with me and because of the inaccurate information listed on my credit report it has left me vulnerable and has caused fraud inquires and accounts to appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two rounds of dispute letters to Experian, XXXX, and XXXX on XX/XX/23 and XX/XX/23 requesting review and copies of contracts with XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX regarding illegal collection fees. I have also requested that XXXX remove inquiries from XXXX XXXX XXXXXXXX that appear on my report but were made fraudulently, however, these inquiries remain on my report.
Product: Mortgage

As requested by PenFed Credit Union, I forwarded the XXXXXXXX XXXX Installment # 2 tax bill on XX/XX/2022, the day I received it from XXXX. The bill showed both a gross amount due of {$4600.00} and a discounted amount of {$4400.00} if the bill was paid by XX/XX/2022. 
PenFed did not pay the property taxes on my mortgage prior to the discount due date. Since they did not pay by the discount due date, I have incurred an additional {$200.00} in tax payments. My account statement seems to indicate that they will pay in XXXX, by which time I may have incurred late payment penalties. I have asked that PenFed pay the additional {$200.00} and any previous additional amounts associated with missing the discount deadline dates. 
I have offered to take over the tax payments since I am clearly more responsible than the tax serving folks at PenFed. I have been told that " senior management '' will get back to me by about Friday, XX/XX/2022. This is not acceptable turnaround time.
Product: Credit reporting or other personal consumer reports

The 1st letter was sent on XX/XX/2023 and received on XX/XX/2023 XXXX Tracking # XXXX In the first letter I disputed and asked for validation and verification of the debt. 

The 2nd letter was sent on XX/XX/2023 and received on XX/XX/2023 XXXX Tracking # XXXX In the second letter I asked again for the validation and verification of the debt. 

The 3rd letter was sent on XX/XX/2023 In the third letter I asked once more for the validation and verification of the debt, it was not marked as disputed so I informed them that they violated a federal law. 

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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

MY NAME IS XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, IL.XXXX. I AM WRITING TO FILE A COMPLAINT ABOUT A COMPANY CALL CORELOGIC / CREDCO. TO FIND OUT WHY CREDCO HAS MY SOCIAL SECURITY NUMBER AND HOW DID CREDCO GET MY SOCIAL SECURITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am having a huge problem with having several fraudulent accounts deleted from my Transunion Credit File. File Number XXXX. I have recently contacted the FTC to file a complaint as well, I have provided Transunion with a copy of my police report that list the fraudulent entries and after 4 months my situation remains the same. 

I have list the 6 FRAUDULENT COLLECTION ACCOUNTS BELOW 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, credit repair services, or other personal consumer reports

you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX XXXX XXXX  due to an inquiry on my Transunion Credit Report that I DIDN'T AUTHORIZE. I asked that the inquiry be removed. I now have my attorney involved as well. It is illegal and unlawful, according to FDCPA for a company to do this. They are reporting inaccurate information on my credit fileXXXX XXXX XXXX XXXX is a LOW GRADE CREDIT CARD COMPANY. I WOULD NEVER APPLY FOR A CARD LIKE THIS! I have an established PIN number through the IRS that is required for anyone to pull my credit!
Product: Credit reporting or other personal consumer reports

About a month a ago i mailed a dispute letter to Experian reporting inaccuracies found on my consumer credit report. I have not received a response and my Experian report is still showing inaccuracies. This is a violation based on 15 USC 1681 ( i ). As a federally protected consumer and based on the attached reports, Experian violates the following : 15 USC 1681 - Accuracy - for failing to maintain accuracy of reporting based on the attached documents highlighting inaccuracy of reporting : 1 ) employment history 2 ) credit score 3 ) address history 4 ) number of late payments 5 ) account number 6 ) date reported 7 ) inquiries 8 ) payment history for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days late 10 ) late payments. 

The FCRA requires the information furnished on the consumer report be accurate and complete, to include the account number, if it is reported. In addition to the numerous inaccuracies reported, Experian is only reporting the I.I.N. ( Issuer Identification Number ) or B.I.N. ( bank Identification Number ) of the card/account number, it is impossible to determine if this account is even mine. 
Experian is also in violation of 15 USC 1681 ( b ) - Permissible Purposes. Experian has never received a permissible purpose to furnish any information on/to my consumer report. Also Experian violates 15 USC 1681 ( b ) - Permissible Purposes- due to furnishing inquiries on my consumer report that are not open accounts. Unless Experian can provide documentation verifying that I, the consumer, have an open account with any company listed as an inquiry, the inquiries. 

Experian also violates the Privates Act of 1974 ( 5 USC 552 ( a ) by obtaining all address through a third-party agency.
Product: Credit card or prepaid card

Greetings, Wells Fargo would not give me a small business loan, therefore I had to use the personal Wells Fargo credit card with high credit points in order to conduct daily business while being a XXXX XXXX XXXX XXXX. Once I reached my limit, and had slow payments. Wells Fargo passed my account over to XXXX XXXX  XXXX, a collection agency who ultimately had a XXXX XXXX XXXX XXXX rule on a " Garnishment of Wages '' against me in 2017 in XXXX, Tennessee XXXX XXXX XXXX. Now, after several years of paying promptly, I've contacted both Wells Fargo and XXXX XXXX   XXXX and they've both been unwilling to allow for me and my wife a pay - out amount even since this Coronavirus Pandemic crisis. And they have still refused on each phone call with their reply to deny. As an XXXX American  family, we have reviewed such horrific actions caused towards XXXX Americans from Wells Fargo and criminal tactics since The Great Subprime Scandal. Nationwide, XXXX Americans and XXXX  have suffered tremendously due their criminal intent actions. And now, for almost three years,  my Credit Report has been ruined due to the fact of having a " Garnishment of Wages '' in the report. I've filed a recent request for a court hearing in XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The furnisher 's name on the collection account is missing and Equifax continues to claim that the information is correct. This information is not reporting correctly and is not in accordance with the FCRA. I have sent several letters and they continue to claim is correct. I am attaching a copy of the account. 


Name of Company : Shows up as ( Original Creditor : ) Account Number:XXXX
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX procollect reached out by email sending me debt verification for todays date they never sent me as debt verification or debt validation back in XXXX all the sudden when I filed complaint with existing problem they want to send some paperwork to me by email which the account balance is incorrect
Product: Credit reporting or other personal consumer reports

these credit inquiries were unauthorized and fraudulent. Please remove from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Every 3 months I get this same offfer from my personal bank Regions Bank, offering : *Earn 2 Regions Relationship Rewards points for every {$1.00} spent on qualifying purchases2 in the first 90 days after the account is opened. After that, earn 1 point for every {$1.00} spent on qualifying purchases.
*0 % Introductory APR for the first 12 billing cycles on all purchases posted in the same period and all balance transfers posted in the first 60 days after account opening. *No annual fee *No foreign transaction fees Promo code XXXX When I go to apply w/prmo code XXXX and enter all my information, then I get the error that says my promo offer is Invaild, and I could continue as a normal applicant. Every time ... .This sis a scam I they would do anything about it.
Product: Checking or savings account

I open bank of america in XXXX  XXXX and checking account and I had soke fund and when I went to XXXX XXXX and I withdraw fund at casino atm and after {$1000.00} they intentionally block it and make me go casiher and run it as credit and charge higher fee and after I withdraw 4x and they kept freeze it until I spend alot of time calling and verify and unfreeze and after withdrawal 2x they again keep freeze many time as I had to call many time and each time I keep saying stop u keep blocking the accessing of my own fund and they ensure me won't happen again and ad I try to pull more money they block again and my data breach from their system they use my info for other cause and such and charge alot of fee withdraw as credit and not allow me to withdraw my own gund as I need to keep calling them to ask them for permission to access my own fund
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( 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. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account *XXXX  Account # XXXX Validate account I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Loans and credit cards were fraudulently opened in my name. 
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