23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a casualty experienced on my condo. I recieved money for repairs from my insurance company and procedures on how to have check endorsed by the mortgage company since both of us were on the check. Th casualty occured  XXXX / XXXX /  XXXX  . My initial check recieved from insurance was on  XXXX / XXXX /  XXXX  . I sent the check to be endorsed by my mortgage company after several phone calls to their loss draft department for endorsement procedures. They were supposed to endorse the check and send it back to me.     I sent the check on  XXXX / XXXX /  XXXX   to the mortgage company. They recieved the check, and decided they were not following the correct procedures and decided to send the check back to me since they now said they would have to monitor claim since it was over {$5000.00}. None of this information was revealed to me via previous phone calls with them. I received the check back endorsed it and mailed it to them on  XXXX / XXXX /  XXXX  . They received the check on  XXXX . They then said they still needed to review the claim. At this point work by my contractor was being completed and he needed payment and I had to buy materials. After review and several phone calls the loss draft department said the disbursed funds on  XXXX / XXXX /  XXXX   and that it might take my bank  XXXX   XXXX  up to  72  hours to release funds once they are received. I called   XXXX   XXXX   today  XXXX / XXXX /  XXXX   and they have not received an ach transfer and they do not hold the funds. I have called the mortgage company several times without return phone calls and empty promises and still no funds. They are holding our monies for repairs and creating a hardship to pay my contractor for work performed. They need to be in violation of some sort.     The original benefit from my insurance company was supposed to be under {$10000.00} and I was told to file the under {$10000.00} loss draft procedures
Product: Credit reporting or other personal consumer reports

Late payment was placed on credit report my Reporting agency and its an error! Ive made all payment on time to the account and it was paid in full and closed. I dont know how it happen but its incorrect and Id like this account updated XXXX XXXX XXXX ( XXXX XXXX ) to paid on time as agreed never late immediately!
Product: Debt collection

I am infuriated by the sudden appearance of the unauthorized and unacknowledged account [ XXXX XXXX ] Remove it promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage Service reported XXXX, XXXX, XXXX, XX/XX/2020 as late payments after receiving and accepting payments of {$280.00} each month none of which were late. Changes in escrow amounts taxes reflects a difference to {$310.00} which was later paid. PHH mortgage did not open a suspense account or notify their intended action as they were supposed to have done. 
I have written to them by email and called a number of times asking to have the late payments remove as I am trying to refinance my house they have refused saying it is not an error. PHH mortgage have displayed little or no concern to the harm they have done even during this covid situation where mortgage companies are asked not to report late payments they have no regards for consumers.
Product: Debt collection

I was not aware of this card SYNCHRONY BANK XXXX  this account was created fraudulently.
Product: Credit card or prepaid card

My transaction history is completely different than my account history I 've spoken to them there third-party costumer service tells me im lying that that ca n't be I asked them to check they said no I 've went too threw separate branches have been told people would call me back nobody calls back they call the people who can see the account they say I ca n't read my account they tell them no he 's reading it rite then they say we should do a balance check and they refuse
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i XXXX XXXX am protected by F.C.R.A I had several issues disputing what isnt correct and i am subject to my privacy and also have the right to delete whats incorrect Please correct these mistakes Under 15 usc 1666b i am protected. 
Account name : XXXX XXXX The Account is reporting late. i have never been late please report the account as current Delete any allegedly late payments Account name : XXXX The Account is reporting late several times. I have had several issues removing the allegedly late payments. I was never late please delete the allegedly late payments Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this account. The account is paid for i am subject to my privacy Account name : XXXX XXXX  Please delete this account. The acccount is paid for i am subject to my privacy Please delete all of the above and send me a copy of my report with all of the above deleted please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by US Dept of Education/  XXXX   about a student plus loan that I did not sign for. During initial contact  XXXX  2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from  XXXX . When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with  XXXX  I was told that I needed to file a police report, in which I did immediately. I provided the  XXXX  police report to  XXXX  ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the   XXXX   major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by   XXXX   to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/ XXXX ,   XXXX   XXXX  , Equifax and  XXXX  for reporting inaccurate data.
Product: Credit card or prepaid card

XXXX is a gym membership that I had set up as a monthly charge on my Discover Card. I also was paying, for a period of time, for a separate membership for my son on the same card. XXXX has always been problematic ; continuously and egregiously raising the fees they were charging, attempting to double charge my account for several months, trying to pass through charges on my son 's membership after it had been canceled, not honoring the terms of a written agreement I had requested from my gym location 's customer service manager, etc I had various forms of communication with Discover Card personnel about my continual problems with XXXX. It seems that they took my side on these disputes and even blocked my credit card account from future charges from XXXX. 

Imagine my surprise when they reposted a {$54.00} charge from XXXX on my account in the latest billing cycle after promising that I wouldn't see any more charges from this vendor. ( They later rebated {$15.00} from that amount ). 

It appears that Discover has decided that even though they have decided in my favor about virtually every dispute that I've had with this vendor, if they allow enough time to elapse, they can try to pass through a charge from a disreputable vendor. 

I don't use the term disreputable vendor lightly ; XXXX was cited by the NY Attorney General  for continuing to charge customers for membership fees during the period that their gyms were closed due to the current pandemic. 

It appears that Discover would rather take the side of a company that is now defending itself in a class action lawsuit as opposed to a loyal card holder who has always paid his obligations on time over many years. ( I've been a Discover Card holder since 2006 ).
Product: Credit reporting

I disputed an account reported 30 day late on my credit report they have not updated it, both XXXX and XXXX have already done so. COMENITY BANK/VCTRSS reporting 30 day late for the XX/XX/XXXX i have attached the letter from XXXX which i have uploaded to all XXXX credit bureaus including equifax.
Product: Mortgage

My mortgage company has applied forced insurance on my premiums but will not provide the name and the amount paid each month/year. I initially provided homeowner 's insurance but the mortgage company refused to pay it. Instead, they applied another insurance ( forced insurance is what they called it ) and refuse to send me a copy of who the insurance carrier is. I did ask who was paying for the insurance and they stated that it was being escrowed-
Product: Credit card

I received a letter from Chase Bank ; ( reference # : XXXX ) ; denying my application for a XXXX XXXX XXXX account. I called them, was transferred to the fraud department where a woman named " XXXX '' was " working '' with me. She wanted additional information from me, which I refused to give, and she told me that she couldn't give me any details on the credit application when I asked for them. She told me that they could only work with the authorities. I asked when the application was submitted and she told me XX/XX/2023. I asked her how that could be when the letter was dated XX/XX/2023. She told me she couldn't provide me with any information, that I had to go to the authorities. I told her I expected this to be removed from my credit report ( s ) immediately and that I submitting this to the authorities. The call was disconnected.

Someone tried to get a credit card in my name through CHASE BANK, and Chase was absolutely, appalling to with. They must be in on this scam or they would want to help the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.
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 by my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, other than records of convictions of crimes which antedates the reports by more than 7 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 accurate..
Product: Credit card or prepaid card

On XX/XX/2018 I logged on to my Wells Fargo account portal to schedule the monthly payment. I followed the same steps as always, scheduling a full balance payment to be transferred from my saved checking account. Wells Fargo acknowledges that I logged on that day but did not record my payment. They suggested that I may not have hit submit to finalize the payment. I am 100 % positive that I scheduled the payment in the same way I have for many years now. After a couple calls about this matter, Wells Fargo agreed to waive the late fee of {$25.00}, however the charged interest remains and presumably a negative remark on my credit report for a late payment. Perhaps they are correct and the error was on my part. Or perhaps the matter is not so uncommon and other customers have had similar situations? My confidence in Wells Fargo has been shaken by past behavior and my experience with this matter. I report this matter in case this has happened to others and document the prevalence.
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 Account Number : XXXX Account Name : XXXX & XXXX XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

My mortgage servicer incorrectly reported a 180 day past due payment on XXXX of XXXX. I notified them of the error which they acknowledged. However they have not removed the late payment. I have been impacted greatly by this error and request immediate removal of the late payment from all credit reporting agencies.
Product: Debt collection

I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : CAPITAL ONE XXXX. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXX that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and GXXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with Equifax, XXXX and XXXX. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX  They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested to make sure my credit was correct and accurate, through the Experian credit reporting. When I received the updated version of my credit, I found several errors, After it was certified to be accurate incorrect, In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to scheduled a payment from Wells Fargo Bill Pay service for payee 'property tax lah ' in the amount of {$8200.00} to be sent out on XX/XX/XXXX. I quickly realized the amount was supposed to be {$17000.00} so I immediately went back and modified the amount from {$8200.00} to {$17000.00}. I doubled checked and both date and amount looked correct before I logged out. Then on XXXX, I got an email alert from Wells Fargo, apparently they somehow sent out a payment to that payee in the amount of {$8200.00}, which was not set up by me, without my authorization. The payment drained my account and triggered the overdraft action. I called WF immediately and explained I never set up that payment. I was advised by the representative to put a stop payment on it so everything would be back to normal. However, he never mentioned that the payee would still try to clear the payment and there would be consequence. A few weeks later, the payee sent me a bill for {$85.00} for a return payment fee, which I paid already to avoid further damage. 

On XX/XX/XXXX, I filed a case ( ref # XXXX ) with WF to request a reimbursement of the {$85.00}. I was told someone would get back to me in 2 business days, which never happened. Called again on XX/XX/XXXX and spoke to XXXX, who opened another case for me ( ref # XXXX ) and again no response from WF. On XX/XX/XXXX, I called WF again and spoke with XXXX at the XXXX XXXX XXXX. This time she told me she was able to see my bill pay history and confirmed I did just edit the amount so she filed another case for me ( ref # XXXX ). She also said she was able to retrieve my previous cases and the information in the 2 old cases wasn't sufficient, so this time she would include in the new case her new findings, which validated my story. However, I waited for a week and still no response from WF, so I called again on XX/XX/XXXX. I was read a resolution letter, which was supposedly to have been sent to me, that it was ruled against me. I requested to speak with a supervisor and was transferred to XXXX. After checking with the Bill Pay department, he basically just said Bill Pay is a customer-driven service so it can't be their fault, hence my case is closed without any resolution.

In summary, the main issues are : 1. They sent out a payment without my authorization.

2. Their customer service representative corrected a mistake on their part at my expense. 
Wells Fargo has been giving me run-arounds and eventually I hit a wall. I'd really appreciate any help. Thanks.
Product: Credit reporting or other personal consumer reports

On " XX/XX/XXXX '' one of my cousin has mis used my documents and purchased product costs ( XXXX ) from XXXXXXXX XXXX XXXXXXXX account which is linked to my PAN and adhar. 
loan account details : Consumer Loan Name of member : XXXX Account Number : XXXX Owner ship : Individual As am working as a software engineer from the reputed corporate company, due to some personal medical emergency to my father on " XX/XX/XXXX '' i went to applied personal loan from one of the reputed bank - as a result it was rejected and they intimated the reason for me why its rejected? then i will get to know the above mentioned mis-used details which is reflecting on my XXXX XXXX as soon as i found the details regarding the XXXX i contacted XXXX customer care and as i requested them to send a default payment link to my mobile number to clear the dues. 

Although i have paid and cleared dues and then raised the dispute to the XXXX it went to closed state after XXXX months. by considering my father health issue i requested loan to the lenders bank again it is rejecting du to delayed payments. 

Am requesting you to take the necessary actions on above stated issue and do me a favour to look after my father health condition. Financially i need a loan to get operate my father health condition. 

As i reached to cibil customer care so many times but i dint get a solution from them. kindly hoping a positive sign from you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 those account 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. 


XXXXXXXX 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