23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023, I paid my mortgage as usual with Freedmom Mortgage, but when I checked my account on XX/XX/XXXX, I noticed that the mortgage payment had not been deducted. Worried, I immediately called the mortgage company but the call was disconnected after the automated service stated that a payment was made on XX/XX/XXXX. This was not enough information for me, so I called again on XX/XX/XXXX and spoke to a representative. The representative informed me that my bank had reversed the payment and that I owed a late fee. 

I was confused because I pay all my bills from the same checking account and I have never missed a payment or been late before. Moreover, the mortgage company had increased my mortgage back in XXXX or XXXX, even though I have a fixed rate. This had already led to an incident in XX/XX/2023 when my payment was not processed because I did not listen to the confirmation number in its entirety. When I called back in XXXX, the representative told me that it was my fault, which made me very angry, but the representative stated she saw where I made the payment and honored my on time payment. 

During my call on XX/XX/XXXX, I insisted that the mortgage company was at fault and asked to speak to a representative while having my bank on the phone. The bank informed us that they never received anything from the mortgage company. However, the representative still told me that I owed a late fee. This is not fair to me as a loyal customer who makes payments on time. I have worked hard to purchase this home, and my elderly mother lives with me and I am not going to put my family in jeopardy as the United States of America is in a housing pandemic. 

Moreover, whenever I reach out to the mortgage company, a representative tries to persuade me to refinance my loan which I have refused several times. Unfortunately, on some occasions, I had to deal with a rude gentleman who talked down to me and belittled my character. He even went on to imply that I could not afford anything apart from an FHA loan. However, my credit score was good enough to secure my home and I strongly believe that I deserve to be treated with respect and dignity. Thank you for your attention to this matter. 

I have provided screen shots from when I called the mortgage company to pay on XX/XX/XXXX and the calls, thereafter. Thanks again.
Product: Credit card

XXXX Bank of america accounts over 10 years old. 
Ending in XXXX settled years agoEnding in XXXX settled years agoEnding in XXXX settled years agoI was told upon settlement years ago Bank of America would not report any Derogatory information to the Credit Bureau and they still are beyond statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate removal of the accounts and associated information listed below from my consumer report. It is imperative that these accounts and information are not reported, as their presence violates the FDCPA and FCRA. This violation of multiple laws necessitates their immediate deletion from my consumer report. Please take prompt action to remove these accounts and information without delay.
Product: Debt collection

I was contacted by AFNI collection company thru a letter stating that they were willing to accept a settlement on my XXXX account for half the original amount I paid the settlement amount and then requested a letter stating that I was paid in full and no longer owed any more money, I was told by the AFNI customer service that it takes 120 days for their system to update and I would not receive any letter until that time but only 7 days after I paid the settlement amount I receive an alert from XXXX stating I have a change in my credit I was sure it was AFNI updating my account to XXXX balance. yes, the new information was from AFNI but it was not reporting that I have a XXXX balance AFNI is now reporting that I still owe the half they agreed to settle with me and that my high balance was only the settlement amount and I still owe XXXX I also received a letter today from AFNI stating that they are still trying to collect the other half of the debt. I feel that AFNI deceived me by sending me letters stating that they were willing to settle my debt and once I paid the settlement amount they are continuing to try and collect the balance, I am seeking to find assistance as to hold AFNI accountable for their deceitful practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX XXXX XXXX for {$180.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from Experian, XXXX, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX XXXX XXXX XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
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 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 my 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 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 or prepaid card

I have {$400.00} stuck in my apple  account an they havent gave me no reason to why my account was locked an keep sending me off abt it basically telling me its nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Report and found several things that were incorrect. I tried to solve these problems with the  collectors  to inform them this is not my debt. I have no knowledge of this debt. Please help me to solve this issue. The  collectors  are only interested in getting money and not actually getting down to helping individuals such as myself.
Product: Debt collection

Spire Recovery has contacted me about a credit card from 2007 or so that i apparently still owe. I have not used that card in many years and it has been taken care of. After researching this company, I am not alone. I was very calm on the phone to ask them to send me formal documentation via mail and they have not. They claim that they did and that I 'm avoiding payment. The number is XXXX and XXXX based out of New York. They are threatening to diminish my credit. I refuse to pay over the phone for a claim that has not been formally given to me. They asked if I had a lawyer.
Product: Mortgage

I had a mortgage with XXXXXXXX XXXX  XXXX. It was on AutoPay and I never missed a payment from the beginning in XX/XX/2022 through XX/XX/2022. During this time I received regular emails from the company. In XX/XX/2022 the mortgage was sold to Fifth Third Bank. I did not receive any notice of the loan transfer, from either mortgage company, via email or mail. Fifth Third Bank claims my mailing address must have been incorrect with XXXX, but Fifth Third never tried to email me either. Fifth Third also claims they tried to contact me by telephone, but all I received were voicemails that sounded like phishing scams. I did not find out my mortgage had sold until several month later, when I contacted XXXX to ask why they hadn't been drafting my autopay. By that time I was several months behind on my my mortgage, my credit score and my co-signor 's credit score had suffered terribly, and the lump sum required to bring my mortgage current was burdensome. Additionally, Fifth Third Bank never attempted to contact my co-signor. Fifth Third Bank did not meet its obligations in notifying me of the loan transfer.
Product: Credit card or prepaid card

Wells Fargo Business Platinum Card ending in XXXX:Over limit fee of $XXXX was charged to my account on the following dates: XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 & XX/XX/19 for a total of $XX/XX/XXXXI Contacted WF on XX/XX/19: CSR (female didn’t get her name) looked into it and I was told that this was standard fee for going over the limit. I asked if I could remove that feature and was told no. It was explained that my option was to pay closer attention to daily balance, make more frequent payment(s), and/or use a different card. I then informed her (WF csr) that I never opted in (knowingly) nor received any confirmation of such an opt-in; which is require by the Credit Card Act of 2009. At this point the CSR promptly offered to refund 2 of 5 the fees. I explained there was 5 and she said she would refer me to another dept at this point.WF Customer ??? dept CSR XXXX took over and I explained the situation to him. I did also request some proof that I knowingly opted-in and that WF sent confirmation regarding the over limit fee. He said he would look into this and get with his supervisor. He came back on the phone and asked what months had the over limit fee so he could get approval to get them refunded/reversed. After 5 mins or so on hold he came back on the phone and stated he was able to get all 5 reversed. I did ask again about the opt-in proof. He was unable to provide any info that I had opted-in or that confirmation was sent. Seemed eager to want to make this situation go away. Prior to ending the call he did inform me that he was sending this matter to the WF Executive Offices / Case Management (Case ID: XXXX) and I should hear back from them in a few days. I did ask one last time to opt-out but he wasn’t aware of any way to do that and the case manager should be able to help.I find this practice to be very shady and unethical. It feels as though they (WF) are banking on busy customers like me to miss those fees when reviewing statement charges and hoping to get away with generating income off of falsely charged fees. It’s kind of like begging for forgiveness over asking for permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for credit with XXXX XXXX and was denied. The reason give was " Unable to verify credit reference due to security alert ''. When I investigated, Experian was reporting that I had a security alert that required the creditor to call me, but they said they did not have a phone number for me. I have obtained credit in the past with the security alert on my file and never had a problem with a missing phone number ( i.e., creditors were able to call me to verify the information ). Even though Experian is blocking credit inquiries, it is counting the inquiries against my credit score. 
When I tried to contact Experian to fix it, all I could get was a phone menu that gave me no options to add information to the alert and no way to talk to a person to fix it. I tried a wide variety of published customer service numbers XXXX XXXX, XXXX, XXXX, XXXX, XXXX ). All of them eventually took me to the same set of menu options, with no option to talk to a person. None of phone options would fix my problem. 
What is more ridiculous is that I have a " membership '' with Experian to monitor my credit. The membership has all my current contact information, including phone number. Yet for the security alert, they claim they don't have a phone number. 
As currently arranged, Experian is denying me the ability to obtain credit by blocking credit checks and offering no way for me to correct the situation and add a number. By offering no option to talk to a person, they are failing to provide a basic and reasonable service. 
By denying me the ability to obtain credit, they are adversely impact me and my family and causing a financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the CFPB issued a warning to Equifax, a consumer reporting agency, as a result of its failure to properly investigate disputes I have made about incorrect information on my consumer report. The CFPB stated : " Accordingly, consumer reporting agencies and furnishers must reasonably investigate disputes received directly from consumers that are not frivolous or irrelevant and furnishers must reasonably investigate all indirect disputes received from consumer reporting agencies even if such disputes do not include the entitys preferred format, preferred intake forms, or preferred documentation or forms. '' Therefore, as a consumer, I demand that the following accounts/inquiries be blocked and deleted from my consumer reported : XXXX XXXX XXXX XXXX Bank, XXXX Main and XXXX XXXX XXXX I demand that the account for XXXX XXXX, XXXX be reported as " paid as agreed '' and the " charge-off account '' status removed. I also demand that the alleged account balance of {$19000.00} for the alleged XXXX XXXX, XXXX account be be changed to {$0.00}.
Product: Checking or savings account

I have or had been with Wells Fargo since XX/XX/2006. This past year I had a few problems with my account. Everything was golden UNTIL I received a call from Wells Fargo saying that " due to a business decision '' they're terminating my relationship with me. I asked why they're terminating the and the only reply I received was " because the bank wants to. '' After researching online about Wells Fargo I've seen that Wells Fargo often closes consumer accounts for " business decisions. '' I've given literally tens of thousands of dollars to this bank and when you call them you're treated like the bad guy. The kicker of this all is that I didn't ask for any action to be taken. Wells Fargo decided to initiate the actions on the account. I called Wells Fargo last week because the claims department is still investigating past their 90 day limit and the representative said " the disclosure you signed says we can close your account whenever and wherever. '' Unprofessional, dishonest behavior from a major company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX i called in to dispute these accounts off of my report
Product: Credit reporting or other personal consumer reports

Account was opened without my knowledge. i have a hard inquiry on my credit report that wasnt made by me
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 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 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: Vehicle loan or lease

When buying a car from XXXX they used a company called BridgeCrest for their financing. We had the car for a month but it was totaled in an accident on XX/XX/XXXX. Considering we had gap insurance, XXXX paid the loan total on XX/XX/XXXX and we were supposed to shop for a car within the month of the accident. Since then Bridgecrest has yet to report the loan as paid to the credit bureau and we are unable to apply for a new loan and another used car. leaving us completely in limbo waiting for an update. We call daily and their best advice is to keep calling until there is an update. it has now been over a month since our insurance company sent the check to them and we need to get this cleared so we can have a car again
Product: Checking or savings account

My account with Keybank was closed. I had logged into the account on a regular basis. No effort was made to contact me. The funds were supposedly turned over to the state but I can not find them in the unclaimed funds database. 

The account was " Hassle Free Checking '' there were no minimum transaction requirements to avoid a fee or account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to companies about hard inquiries on my credit report. These companies have no information for me on file. I do not know why this is on my credit report but these inquiries should be deleted immediately from all major beaurus. The inquiries were made on XX/XX/XXXX. Three inquiries from XXXX XXXX and 1 inquire from global lending services
Product: Debt collection

On XX/XX/2019 I was contacted and harassed by XXXX XXXX XXXX XXXX on the behalf of Kay Jewelers in regards to a debt in the amount of XXXX. I was told that if the debt was not paid at that exact moment, that I would be served with papers and sued with the possibility of jail time. There was no option of negotiating the debt, and when asked what would be done once the debt is settled I was informed that they would remove the account from all three credit reporting agencies. It has now been 1 year and the account remains. Also, they have harassed family members after the debt being paid. I paid the debt with my husbands credit card and have attached that document as well.
Product: Credit reporting or other personal consumer reports

I have some unauthorized inquiries on my credit report, i attached a letter with all information.