23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I need assistance from your office asking Wells Fargo Mortgage to reinstate the initial Mortgage rate ( My loan is an XXXX ARM 30 years Mortgage loan, supposed to reset this year, XXXX or XXXX, XXXX  ) that they sent on their mail sent on XX/XX/2022. 
The XXXX XXXX ' they offered me on their XX/XX/XXXX letter was, 3.125 %, letter attached here. later on, they sent another mail on XX/XX/XXXX letter stating my new mortgage rate increased to, 5.25 % effective XX/XX/2022 from my current rate of 3.25 %. 
As a result of this rate increased by Wells, My new payment will be, {$4300.00}, effective XX/XX/2022, according to their letter dated XX/XX/2022. See below all details of my mortgage with Wells incl letter from Wells Fargo. 

Wells fargo sent second letter via dated XX/XX/2022 stating that your 'new rate ' is 5.25 % ( see attached letter named ; 'WellsFargo ... -New.pdf '' ). All of a sudden they reset my ARM Mortgage Loan to a higher rate, increased by 2.125 % from their initial letter ( see Attached named ; " estimated arm..pdf ''. 

I would like your office to intervene on my behalf asking Wells Fargo Mortgage to reinstate the prior rate of 3.125 % stated ( as my 'New rate ' ) that they sent to me via mail dated ; XX/XX/2022. See below all details and attached have their contact details and I have copied my Wells Fargo Mortgage XXXX, XXXX XXXX as well. 

Mortgage Details : Name ; XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Home Loan Financed by : Wells Fargo Loan No. : XXXX Wells Fargo Contact no : XXXX XXXX XXXX Wells Mortgage XXXX XXXX XXXX XXXX ( may no longer working ro Wells anymore ) Loan Type : 7 years ARM, 30 years Mortgage My Current ARM Rate : 3.25 % My current Monthly Payment : {$3.00} -- -- - New Rate ( as per Wells Fargo Mail sent on XX/XX/2022 ) : 3.125 % New Rate ( as per Mail sent on XX/XX/2022 ) : 5.25 % My Proposed Monthly Payment effective XXXX, XXXX  : {$4300.00} -- - Increase of rate 2 %, which is unacceptable. 
Increase of Monthly payment by : $ XXXX, Increase of that much is unacceptable, sice they initially informed me a rate that my loan will reset at, come XXXXXXXX XXXX 

Please help asap. They are trying to force me to pay this rate effectively, XX/XX/XXXX payment. You can reach me at XXXX XXXX for any questin that you may have Thanks XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Checking or savings account

Opened an account in mid XXXX and funded this account with my XXXX XXXX bank closure. I closed because my local branch had closed. I saw Citi was giving a promotion that looked like something that would benefit me. A few days after opening I funded the account with my life savings. I also put my direct deposit and started with automatic bill paying and continued on with my normal banking. I logged on yesterday XX/XX/XXXX to see if my check was cashed by my vehicle insurance company. I then see my accounts have been blocked. I called and after 30minutes I get " We can not discuss anything in this account, it is locked and you will recieve your money when we close the account in 10 business days, good bye '' and they hung up. Frantic, I called today XX/XX/XXXX, it was the exact same story and hung up. I called my local citi bank branch who called the 800 number and later called me back stating " they will only talk to you, call XXXX extension 4 '' im thinking " great i can get the account unlocked ''. incorrect, it was the exact same story except this time it was 30-60 business days ; then they hung up. I called again today to see if anything has changed XX/XX/XXXX. Only thing i got from the call was that the account would be closed within 60 business days. I also wanted to verify the address where my money would be sent and when to expect it. They confirmed my address, but were unable to tell me when it was coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX Balance : {$700.00} U S DEPT OF EDXXXX XXXX Balance : {$610.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX PA ) XXXX Balance : {$420.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$47.00} XXXX XXXXXXXX Balance : {$47.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update the account to XXXX Late and send me a copy of my updated credit report. 

I have also attached proof of payment : Bank statement XXXX XXXX  confirmation statement Waiver fee reimbursement due to the mistake Account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I worked with a debt collector to settle an account which i paid off. The debt collector reported to experian that the account has been paid. But when I requested that this account be remove, it was denied. The account is hindering me from finding a place to live for myself and my child. The response i was given was that the debt will remain for 7 yrs. But over the last two months i have paid off three other debts and requested the also be removed with no problem. I dont understand why sum debts can be removed and others even if paid remain no matter how detrimental it is to my wellbeing. Ive worked really hard to correct my past mistakes with my credit and have built a XXXX score from a XXXX score just a lil over a yr ago. I would appreciate any help if possible with getting this paid off debt removed from my credit report
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
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 - The following inquiries were not authorized and should not be reporting.

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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX  regarding their failure to provide verifiable information to credit reporting agencies, resulting in inaccurate reporting on my credit report. Despite my attempts to dispute the information, XXXX XXXX XXXX XXXX  has failed to furnish accurate details, thereby adversely affecting my creditworthiness and financial standing. 

On XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX TX XXXX, requesting clarification and verification of the information pertaining to XXXX XXXX XXXX XXXX. However, to my dismay, the letter was returned to me as undeliverable. This indicates that XXXX XXXX XXXX XXXX  has provided incorrect or outdated contact information to the credit reporting agencies, making it impossible for consumers like myself to communicate effectively with them. 

Enclosed with this letter, please find a copy of my original dispute letter, along with the returned mail envelope, as evidence of XXXX XXXX XXXX XXXX  's failure to furnish accurate information. This demonstrates that XXXX XXXX XXXX XXXX  is not fulfilling their obligation to provide verifiable information to credit reporting agencies, thereby violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I have noticed the company that I am a victim of identity theft and someone has used my SSN for personal gain and I have still yet to get proof legally this belongs to me. I have no knowledge of this account and this needs to be removed from my credit files. I contacted National Credit Systems and was told they are a debt agency. This is not a credit transaction and I need proof of this debt showing I am reliable. I asked for purchase agreement and my drivers license, the representative hung up on me. My next step is consulting with an attorney because it is illegal, and the deceptive business practices will not be pushed under the rug.
Product: Credit reporting or other personal consumer reports

I have had this removed and yet it has come back onto my credit file. I have provided the payoff letter and the title to all the bureaus yet XXXX only complied.
Product: Student loan

I checked my credit report and noticed 3 late payments reported by Navient while my loans with them were in Administrative Forbearance. The late payments was reported XX/XX/2016, XX/XX/2016, and XX/XX/2016 my Administrative Forbearance was from XX/XX/2016 to XX/XX/2016. After noticing the error of the the late payments being reported I notified Navient and was sent a letter to give to the credit bureaus to update the information. The letter states that my loans were in Administrative Forbearance during the time the late payments was issued. This was done back in XX/XX/2016 to this day the late payments are still on all XXXX of my credit reports. Navient has been unpleasant to work with concerning this matter. I have paperwork to submit to verify of the Administrative Forbearance during the months in question. I just want this matter fixed.
Product: Credit card or prepaid card

" SYNCB Credit Card/ Airlines '' was added to my credit reports today, XX/XX/XXXX, stating I opened the account in XX/XX/XXXX. I never applied for a credit card or anything in XX/XX/XXXX at all. I fear this is fraud and I need to get it off my report ASAP. There is no amount stated and I tried calling them and I had an automated voice ask me for account numbers that I didn't know and no option to speak with a person. I have no files to attach because it is only on my credit report that will show other personal information. If you need to see my report please let me know.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft. The company has stolen my identity and have erroneously foreclosed on the property. They have filed false reporting at the IRS and I have been closed corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received the attached letter from XXXX Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX. There is no account On XXXX and therefore should be removed from all three bureaus.
Product: Checking or savings account

UMB Bank recently took over my XXXX XXXX Account that had been set up by a previous employer over a decade ago. The account has been serviced by several different financial institutions over the years with no problems and I have only ever accessed funds for a medical procedure also over a decade ago. The XXXX was transferred to UMB by my previous employer ( I was not involved in selecting the bank ) and within a few months they sent me a notification that they were putting my account into inactive status due to a lack of transactions and the only way to change it back was to conduct a transaction. Having no desire and no need to access these funds, I am now being punished for being in relative good health and wanting to save all my funds for potential future health issues. 

I understand this is not technically a " fee '' being charged by UMB, but conducting a transaction entails either, putting money into the account, which I do not want to do, OR paying for something with the debit card, which is likely the preferred method by UMB who then gets the swipe fees for the transaction. In my opinion, this is a species of " junk fee '' that this institution is charging its customers. When I contacted UMB and requested they not move my account into " Inactive Status '' as I was " actively '' calling them to tell them I was a current customer and didn't wish to have my status changed, they simply told me it was in their terms and conditions and I had to engage in some transaction. In theory, this will continue to be an issue every 18 months I do not have a medical expense.
Product: Credit reporting or other personal consumer reports

XXXX- Letter sent to CRAs regarding the noted inaccurate information.
Product: Credit card

I rented a vehicle from a company on XX/XX/year> and was supposed to keep it to XX/XX/year>. An hour after receiving the car, the car broke down on me and I had the company come to get the car. I was promised a full refund but never received it. Instead the owner of the car made false accusations and the company didnt release my refund. I called Chime to dispute the charges but they kept denying my dispute. I then cancelled my credit builder card and requested a new one because the company kept trying to charge my card. The company made a force charge on my account which resulted in them taking almost {$700.00}. Chime agreed that was fraud and we put in a dispute in for that as well. That claim was denied today and I was told multiple times that they cant help me and I need to show proof that it was an unauthorized charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX XXXX : {$400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Pennsylvania XXXX XX/XX/XXXX RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX Pennsylvania XXXX XXXX XX/XX/XXXX
Product: Debt collection

( PARAMOUNT RECOVERY SYS ) at XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX XXXX has been sending me collection notices in the amount of ( {$180.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT NUMBER- XXXX To Whom It May Concern : I received a copy of my credit report and found this account above to be incorrect By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX XXXX XXXX  accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

There are several erroneous errors reporting late on all three major credit reports for my XXXX XXXX account. XXXX, XXXX and Experian are reporting that I have paid late from XX/XX/year> to XXXX of XXXX. This information is false and I have supporting documents to show the payments that were made to the company that bought the XXXX  XXXX Account, XXXXXXXX XXXX XXXXXXXX! The XXXX credit bureaus are also not reporting that I have made a payment in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan online and was denied. I thought it was a mistake because I've always paid my bills on time. I spoke to someone at the lender 's customer service and he told me I had delinquent accounts. I was confused and went and pulled my credit report To my surprise I saw several things on my report that were not mine. Before reaching out to you all I contacted the police and got in contact with the FTC. I need these items deleted. XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.