23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I call Specialized Loan Servicing ( SLS ) to tell them of my intent to paydown the principle. The agent advised me to make the normal monthly payment of {$1400.00}. Review the account online and make a seperate payment to my principal, the agent walked me through the process of making a payment to principal. 

On XX/XX/XXXX, I made the payment to principal in the amount of {$7400.00}. This payment was not a payoff but it was a direct payment to principal, with the intent to bring the principle down to XXXX, I would still have an Escrow payments and fees. 

I reviewed my account on XX/XX/XXXX, and found that my payment was not applied to the principle. I called and spoke to another agent who reviewed the account and told me that my principal payment was applied to fees first then principal. I advised the agent that the previous agent I spoke with on the XXXX did not advise me of this and when I made the principal payment using their online system, I was not advised of this. In fact to make a seperate payment to fees was a different option and I did not use that option. 

The agent submitted my complain/request, to have the funds applied to principle and requested that I call back sometime next week for the resolution. 

1. As a consumer protection agency I feel you need to review the process and controls put in place by SLS. Their process in how they apply a principal payment is not transparent. First, their agents did not provide complete information when they had my account information. Second, their online payment systems did not provide correct information and mislead the consumer to believe that a principal payment would be applied to principle. 

2. SLS has an open separate complaint with regard to the fees assessed by a different bank. It seems like the left hand doesn't know the right hand has an open pending CFPB complaint against the fees. The agent on today 's call advised me the fees were legitimate, how could she know? The fees were assessed by a different company and the CFPB complaint hasn't been resolved? 

3. Complaint management : I made a complaint to the agent about how I was mislead and how I was not previously advised how my principal payment would be applied. The agent advised me that I would not receive anything in writing and I would need to call back. In my opinion, any UDAAP complaint should be responded to in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to buy a house and the information that my credit is reporting unknown to me it's all health information which is also illegal 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

Wrong limit and balance reported to credit bureaus.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I did my research and spoke with a business real estate financial consultant at wells fargo who misinformed me and cost me time and money. I explained that I had signed a contract for a property and was in need of a loan. I had a relationship with the bank, i was banking there since I opened my business. XXXX explained the process and I decided to move forward with the option of a commercial real estate loan. He sent me the application and I filled it out and sent it back. Couple days later I received an alert on my credit that it was looked at by wells Fargo. I there after received an invitation to submit a packet which included 2yrs of tax return, personal financial statements and debt schedule description of property, etc. After sending what was requested then they asked that I extended my contract from a 30 day to a 60 day. In order for me to extend my contract I had to put another earnest deposit down. I did because I felt confident that I had met all the criteria 's. All of this was over a 6wk period back and forth. 10 days after submitting my paperwork, XXXX called me to tell me that I was denied because my business was under 3yrs old. I asked how did they not know this before. I was a customer at there bank and it was on the application I originally filled out for XXXX. All I keep getting is apology, that there was a misunderstanding. It was not my misunderstanding. XXXX or someone on their end drop the ball and I am now stuck and paying the consequences because I will be losing the deposit if I cant get a loan. When I tried to have the underwriter take into consideration that my business was 3mos shy of the 3yr mark that was dismissed. I am not sure how Wells Fargo can say they support small business when their employees XXXX up and no one wants to own it or help resolve this. All they had to do was review the application ahead and they would have known without wasting my time and causing me to put another deposit down. I spoke with their remediation department which is just there to make you feel like they are doing something but they did nothing but be nice. being nice is not the same as being helpful. Perhaps XXXX needs to be fired, if you are that incompetent maybe he should not be in the position where he can affect peoples business in such a manner.
Product: Mortgage

Once my XXXX was confirmed on XXXX 2009, my lender failed to send me monthly statements with the new amount. It took many letters and calls and over 6 months before I received my first incorrect statement. 
According to the BK court, XXXX XXXX XXXX, modified the existing loan to be {$790.00} and the Debtor will pay the taxes for the property. 
The Debtor paid the taxes for the first year, but XXXX ( the previous bank ) still charged the Debtor for the taxes. 
Since then the banks never allowed the Debtor to pay the taxes and the new lender informed me that they have no records previous to them taking over the loan. 
The new lender is currently Caliber home loans and they told me that I owe them {$13000.00} in back taxes.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. verifying a debt i supposedly owe in response to me disputing this debt several times. This debt was not verified because the only thing sent to me was the contract from XXXX XXXX. I did not open a XXXX XXXX account in XX/XX/XXXX ( when the account was opened ). Theres no signature of mine no where on the contract neither is my social security number or anything else that links me to this account. The grand total of this account is XXXX but the total balance they say i owe is {$910.00} and its reporting to all of the credit bureaus and needs to be removed immediately to show accurately.
Product: Debt collection

I spoke with a person named XXXX on XX/XX/22 to make arrangements to settle mine and my husbands combined medical debt. My balance was approximately {$1800.00}. I don't remember the exact amount. We agreed on around {$1400.00}. I told her I could pay XXXX on XX/XX/22 and that I could pay the remainder {$200.00} ( and something ) on XX/XX/22. She explained that the agreement was good until XX/XX/22. I paid the {$1200.00} on XX/XX/22. When I called back on XX/XX/22 to pay the balance of the agreed upon settlement, she said that I would have to pay the full amount because I didn't pay the agreed amount in full on XX/XX/22. I argued about this since she's the one that made me an offer that would expire on XX/XX/22. Her explanation was that she was sorry but she was new and didn't know better and could not honor the agreement. My husband is XXXX and we have several medical debts that we have been trying very hard to pay off. I would have paid off several smaller debts with the {$1200.00} and just paid them monthly payments if I had known they were going to do this. Or waited until XX/XX/22 when I would have had the full agreed upon amount. I don't understand how they can do this to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX  XXXX. Opened XXXX ( {$150.00} ) XXXX XXXX XXXX Opened XXXX ( {$670.00} )
Product: Debt collection

Sent AARGON AGENCY INC. ( DEBT COLLECTOR ) Multiple Certified mail letters asking to them to Verify and Validate this allege debt they said i own them, But clearly they disregarded all my letters i sent them so they clearly violated my rights as a Consumer and the fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE & 15 U.S.C 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE.
Product: Credit reporting

Equifax has information that is formatted incorrectly, the date on the Bankruptcy is incorrect. My credit report shows a date filed date of : Date Filed : XXXX/XXXX/XXXX Which I believe it is causing the information to stay on my credit report longer then it is required. Please refer to page XXXX on the attached document.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

Transunuion is reporting a light bill on my credit report which has nothing to do with my credit.
Product: Checking or savings account

My checking account was closed by Citibank without warning or notice XX/XX/2020. I called customer service reps on 7 different occasions to find out the reason why. I was told by reps that my account was closed by Citibank 's fraud department. No one seems to be able to give me any info on what i need to do to retrieve my money. Also Citibank refuses to connect me to their fraud department so i can discuss this matter. I have over {$1300.00} in that account that I need desparately. I have been told to go to a Citibank branch and get my money but there are no physical branches in Texas where live. I received an email from Citibank stating there was a message for me in the Citibank mobile app. I can't read the message cause i can no longer access my account info due to them closing my account! I am at my wits end because i am getting nowhere with this bank. They are trying to keep my money and that isnt right. I need your help desparately!
Product: Credit reporting or other personal consumer reports

STUDENT LOAN : ALL DEPT OF AVID/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Fortiva, a financial services provider, for their ongoing failure to correct inaccurate information they have reported to the credit bureaus regarding my account ( Account ending in XXXX ). 

Since XX/XX/XXXX, I have been in contact with Fortiva regarding discrepancies in my credit report. Despite multiple communications and confirmations from Fortiva that my payment history is clean and reflects no late payments, all three major credit bureaus ( XXXX, XXXX, and XXXX ) continue to report erroneous late payments. These inaccuracies are negatively impacting my credit score and are severely hindering my ability to secure a mortgage. 

Here is a summary of the situation : - On multiple occasions, Fortiva has confirmed that their records show no late payments on my account. Despite this, the credit bureaus are reporting the following inaccuracies : - Experian : XXXX late payment - XX/XX/XXXX- XXXX : XXXX late payment - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- I have repeatedly requested Fortiva to correct these inaccuracies with the credit bureaus, but they have failed to do so. Most recently, on XX/XX/XXXX, Fortiva responded that they do not find any errors on their part and are unable to change the credit reporting. 

This failure to correct the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, Fortiva is obligated not to furnish information to credit bureaus if they know or have reasonable cause to believe that the information is inaccurate. Additionally, Section 623 ( a ) ( 2 ) requires that they promptly correct and update information to ensure its accuracy. 

Given Fortiva 's refusal to correct these errors despite being aware of them, I believe that their actions are not only negligent but also in direct violation of federal law. This has caused significant harm to my credit standing and has placed undue stress on my financial situation. 

I respectfully request that the CFPB intervene in this matter to compel Fortiva to correct the inaccurate information they have reported to the credit bureaus. I would also like to request an investigation into Fortiva 's practices regarding credit reporting to ensure compliance with the FCRA. 

Please find attached copies of my correspondence with Fortiva and screenshots of the incorrect credit report entries for your review. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue and protecting my rights as a consumer.
Product: Checking or savings account

Someone opened a bank account using my name, address and SS number. It was with Citizens Bank. I got a letter saying I was overdrawn {$18.00} but I do not have a account with Citizens Bank. I called them and they put a freeze on the account but I want whomever did this to be found. The case number that Citizens Bank gave me is XXXX. I think my brother might be behind this ... .. His name is XXXX XXXX XXXX XXXX age XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed this Capital One account that continues to exist as an outstanding balance on my credit report. Capital one and XXXX XXXX XXXX refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report. 

Capital One referred my account number ending in XXXX to XXXX XXXX XXXX. XXXX assigned a different number to this account XXXX and I paid this account in full to XXXX XXXX XXXX on XX/XX/2020. 

XXXX only reported to the credit bureaus that the collection account was paid in full, not the Capital One account with the original number ending in XXXX. XXXX never reported to Capital One that this account was paid or maybe it did and Capital one refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with Capital One and the other with XXXX XXXX XXXX but this is the same account. 

I have attached the documentation that this account has been paid in full from XXXX. I called Capital One last month and they assured me that they would get this taken care of and will collaborate with XXXX XXXX XXXX that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with Capital one with the account ending in XXXX and this is incorrect. This account has been paid in full with XXXX XXXX XXXX. I have also attached how this account appears on my XXXX credit report. This is laziness, unprofesionalism and unethical behavior on the part of Capital One and XXXX XXXX XXXX to refuse to correct this on my credit report. 

I also called XXXX XXXX XXXX  last month and told him that XXXX had assigned a different number than what Capital one had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by Capital One. 

Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my Capital One account has been paid in full because the collections account by XXXX XXXX XXXX and capital one account are on in the same. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! XXXX never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from WELLS FARGO DEALER SVC that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that WELLS FARGO DEALER SVC is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

We notified the gym owner we would be ending our gym membership at the end of the month, we were on a month to month plan with no contract. Upon letting the gym owner know he became very irritated and would just leave in the middle of us talking to him. At the end of the month we had repeatedly told him not to charge us anymore, and that we were not returning. 

He then reached out to a collections company where XXXX XXXX another phony alias would call and harass us 30 times a day. He threatened us verbally as well.