23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Last Summer, I lost my job and fell behind on my mortgage. 

In XX/XX/XXXX, I received a Notice of Intent to Foreclose from my lender, Carrington Mortgage. I immediately applied for mortgage assistance through the state of North Carolina. While I was under review, Carrington Mortgage reported me late twice - reporting a borrower as late while under active review is not legal. 

In XX/XX/XXXX, my wife was served Foreclosure papers and cried when a police officer taped a notice to our home in front of several neighbors walking by. My wife was in shock and became distraught at being served by a police officer while under consideration for mortgage assistance. 

I was out of town for a family emergency, but I called the contact with whom I had been discussing our mortgage relief. I was told Carrington Mortgage should not have taken action on the foreclosure proceedings. The following day, Carrington Mortgage placed us in a COVID forbearance plan but did not so much as apologize for the mistake. 

By XXXX, we had received mortgage relief covering the full back amount owed. I called the mortgage lender 's attorney and asked for them to halt the proceedings. A day later, we were advised the proceedings were indeed legally halted. 

Throughout Summer, we were bombarded with letters of offers to buy our home in cash and were harassed by drive-bys and knocks at our door by creepy strangers interested in our home. This did not go unnoticed by nosy neighbors, the worst of whom spread rumors about our imminent foreclosure. 

My wife called the attorney and explained the issue and was advised they could do nothing about third-party reports due to the initial foreclosure filing at the courthouse. 

Last month, my wife called the courthouse clerk. She discovered our foreclosure status still held - our property was still reflecting a pre-foreclosure status XXXX months after being told it was legally halted. 

From illegally serving my wife foreclosure papers to the complete disregard for legally stopping the wrongful foreclosure in XX/XX/XXXX, the aggressive and reckless behavior of Carrington Mortgage has caused my family a great deal of pain, suffering, and XXXX. 

Nasty neighborhood gossips have had a field day in speculating on our mortgage status. My wife is still terribly shaken by her interaction with a police officer before an audience of nosy and judgemental soccer moms. Carrington Mortgage trampled our rights and terribly disrupted our peace, and I expect the lender to be held accountable for each illegal action. 

I reached out and asked Carrington Mortgage to settle with us for carrying out a wrongful foreclosure, but I have yet to hear anything from the lender or their legal team. Therefore, any assistance you can offer will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I want report accounts removed without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

This " XXXX XXXX '' electric bill originated in XX/XX/XXXX. The supposed current balance is {$560.00}. The statute of limitations in Michigan is 6 years. I have been directed to several companies, and no one has produced any paperwork. XXXX  has already approved the dispute and has removed it from my Credit Report. I am just hoping this will encourage XXXX and XXXX to follow suit. For approximately 6 years, I never received any correspondence for this account, nor any calls. This item popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing, this item should be removed from all XXXX of my credit reports. Due to the time sensitivity, I am hoping that this will expedite the removal process from the other 2 credit bureaus, XXXX and XXXX. Once again, XXXX has already deleted the item. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX XXXX ran my credit without my permission. I explained to the dealer that I, XXXX XXXX would not be a personal guarantor for a vehicle as my company XXXX XXXX XXXX would be. Please take time to investigate this matter and remove any inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$30.00} inaccurate and was suppose to be deleted since 2021. 

XXXX Student Loans Invalid Dates need to be removed off report. 

Student Loan Delinquency been inaccurate for over ten years account closed already. Please delete. 

Update credit card balances Total Debt is wrong. Please verify and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This correspondence is a complaint and should be recorded and tracked as such. 

On Friday XXXX, XXXX, 2023, I went to XXXX XXXX in XXXX, Iowa to purchase a dryer for a rental unit my husband and I own. Over the years, we have purchased many goods from XXXX XXXX using cash, credit, and/or checks. I wrote a personal check ( Check # XXXX ) for the amount of the dryer, vent kit, cord, and taxes. in the amount of {$700.00}. There were more than sufficient funds in our bank account and we have maintained accounts at this bank for some years. 

The clerk ran the check through Telecheck and the check was " denied '' with no specific reason provided. Effectively, Telecheck denied my credit. I immediately told the clerk I wanted to speak to a manager who came over. My husband was out of town, so I called and put him on speaker phone. My husband said to take the check and leave and he would buy a dryer at XXXX when he came back to town. 

The manager was very apologetic and agreed to process my check as cash, which he did. So, I was able to purchase the dryer without using my own credit cards or applying for a XXXX XXXX credit card. The fact remains ; however, that Telecheck denied, or recommended disapproval to a retailer of, my check and has provided me with nothing in writing. The clerk handwrote " XXXX '' on my order but I don't know whether this is a denial code. This transaction happened in the public area of the store with other customers milling about. 

I attempted to use the Telecheck website to find out but couldn't get through on the website. I phoned Telecheck and it wanted an excessive amount of personal information about my bank account and me, which I am wary of providing because I do not know what will Telecheck will do with it. 

Telecheck had no valid reason to deny a check from my account or recommend that a company not take it. I request that your agency investigate Telecheck to determine why it is denying or recommending that a retailer not take a check from a bank customer 's long term account where there is sufficient funds in the account. Further, I request that you investigate the algorithms that Telecheck is using to deny me the right to use a valid check ensure that it is not unlawfully discriminating against any subgroups of individuals based on, but not limited to categories such as age and gender. 

Specifically, I would like to know whether Telecheck has violated the Equal Credit Opportunity Act or the Fair Credit Reporting Act or any other laws. 

Thank you for your attention to this matter, and I look forward to hearing from you.
Product: Credit card

During XXXX - XX/XX/2023. I experienced heavy medical problems. While out on a medical leave, the wrong bank account was paying for my Amex card. Therefore, causing returned payments. Amex closed my account due to return payments. I could of easily fixed this but I was on medical leave.
Product: Checking or savings account

On XX/XX/XXXX on new debit card there was an fraud alert message by text to my phone. 
{$410.00} & {$46.00} were charged to my debit card. This transaction occurred in CA and im in New York. I was told by agent that card was presented which means someone made card. Chase let the first transaction through and the XXXX & XXXX attempts were flagged. If i dont live in California had did they let transaction go through. They completely missed the second transaction of {$46.00} from the same event. Chase has made it very difficult and make people suffer more by waiting over XXXX business days to get new card. If you want it early you can pay {$5.00}, which shouldn't happen as a victim of crime. Chase makes it sound like they doing me a favor in that they issue a temp credit when its there fault for allowing this. This is the XXXX new card on same account which i find it hard that someone got the information that quick. I have had fraud to my Chase accounts numerous times since the new year. Something is wrong somewhere.
Product: Checking or savings account

Please see below a case # 1 involved a wire transfer to a fraudulent account ( I will submit case # 2 as a separate case ) : Back in XXXX of 2021 I hired a contractor to work on my basement. Most of the time, we communicated through email. He sent me the contract and invoices via email.as well as his bank information for wire transfers. Now he claims he never received any payments from me, and he never sent any bank information by email. Apparently, someone hacked into the contractors email account and was sending the bank information for the payments while monitoring the contractors email account. The hacker then deleted all the emails he sent. I made a wire transfer of {$11000.00} on XX/XX/2021, to the XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX Now the contractor claims he never received any money from me, so it seems like the payments went to a fraudulent account in XXXX Now, I want to get my money back from the XXXX XXXX XXXX XXXX XXXX provided that the bank did not properly verify the recipient ( who was able to open the fraudulent account ) and then accepted a wire transfer of more than {$10000.00}? I filed a fraud report with our local Police in XXXX NJ, case number XXXX, Chase Bank, Office of the Attorney General in XXXX XXXX, I also called the XXXX XXXX XXXX XXXX XXXX directly, and the branch manager, after talking to the compliance department, advised that Chase Bank will contact the XXXX XXXX directly. Can you please help me in getting my money back from the institution that opened a fraudulent account and accepted a very large payment to the fraudulent account? This can not happen that any hacker can open a fraudulent account so easily.
Product: Credit card

business credit card number XXXX XXXX XXXX XXXX was closed and should be open are replaced asap
Product: Mortgage

1. 
My bank shows payments made to, and deductions made by my mortgage company totaling {$24000.00} paid from my bank account in the year of XXXX. My mortgage company ( Ditech LLC ) only shows a total of {$22000.00} applied to my mortgage account. ( a difference of {$1900.00} unaccounted for on their side ). 

2. 
My first statement dated XXXX/XXXX/XXXX shows amount of interest paid year-to-date {$0.00} ( which is accurate, being that no payments have been received as of that date. ) My statement dated XXXX/XXXX/XXXX show interest paid year-to date as {$7800.00}. 
My statement dated XXXX/XXXX/XXXX shows interest paid last month ( XXXX ) {$1100.00}. 
The math : {$7800.00} + {$1100.00} = {$8900.00} paid for the period XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. Total paid for the year XXXX in interest was {$8900.00}. 
My XXXX XXXX Mortgage Interest Statement shows a total amount paid during the tax year XXXX as {$7200.00}. 
Why so many differences in amounts?
Product: Checking or savings account

To date I have had correspondence and phone conversations with Wells Fargo regarding complaint number XXXX. 
The Wells Fargo response to How did the Bank allow the unauthorized withdrawal? was that their records indicate that I had authorized to have funds automatically transferred between accounts. I had not authorized funds to be automatically transferred between accounts. I requested a copy of the authorization if there was one. To date I have not received a copy. 
The response to How will Wells Fargo prevent this from happening again? was to call the Financial Adviser and request him not to transfer funds between accounts in the future. The Financial Adviser did not have authorization in the first place. 
In the meantime Wells Fargo had sent a form 1099 indicating income related to the unauthorized transaction. There was no income and I have requested a copy of the correction from Wells Fargo. To date I have not received a copy of the correction.
Product: Checking or savings account

In XX/XX/2017 Bank of America had advertisments on XXXX and search engines about 100 bonus for new customers who opened accounts by XX/XX/XXXX and had at least 250 deposited within 90 days of opening the acct. I signed up online and met the direct deposit requirement and theyre now refusing to honor the bonus because they said i did not use the proper link when there was nothing said about a specific link or code. They then ran a similar promotion which expired in XXXX ... but theyre not honoring the bonus.
Product: Mortgage

on XX/XX/XXXX I call to make my normal monthly payment of {$910.00} which was increased from {$900.00} when I tried making the payment through the automatic system did not allow me to proceed with making the payment .... So I call Shellpoint and they told me my payment had increased to {$2400.00} and I ask why so they said my escrow had increase because of a report they hot from XXXX XXXX.. Stating that I owed back taxes and there is a lean in my property ... So I ask them at that time to please overnight XXXX a copy of the the lean and a qualified written report of everything ... I am still waiting. 
After doing some research I found out that there no outstanding taxes that are due. 
I found out on my own that they paid an outstanding water bill of {$1800.00} and charging me an additional {$1500.00} per month. 
So I contacted the NYC water and they are offering a deferred payment agreement up to 10 years ... and because I just had my water main replaced they are also offering a forgiveness problem as well. 
Leans are only placed on 2 family units or more not one family. 
There was no communication whatsoever from Shellpoint mortgage company ... they have also added additional money to my account without notifying me if these expenses. 
{$900.00} up to {$2400.00} is NOT within my budget I seek fairness. 
Thank you.
Product: Credit card or prepaid card

On 4 separate occasions Ive called Bank of America to reverse a payment made in error to a closed credit card account. Each time the representative has promised the reversal would be done in 24 hours and each time that has not happened. This has caused me to have to move money or miss payments to employees as its been going on nearly 3 weeks with no resolution, On the last occasion I went to the bank 's financial center only to be told by staff that they don't have " access " to business accounts??
Product: Credit card

I called at XXXX central time to Capital One customer XXXX spoke to representative in regards to my acct ending in XXXX. The account was closed months ago but I was still making monthly payments to pay off the debt. I made the last full payment of the total amount due of {$750.00}. Due date XX/XX/2024 payment was posted XX/XX/2024 and I still received a XXXX statement for {$10.00}. When I first got this Capital One card my interest rate was 15.9 %. I have a good credit score over 700 and I called multiple times in regards to lowering my interest with no luck. It went up to 28.15 % and I pay my bill on time and pay more than minimum amount sometimes paying balance in full. With no luck of getting the interest rate to drop I called and closed the account advising them I would pay my balance off. I spoke to a rep XXXX and he stated he could adjust the {$10.00} interest balance. I asked for a manager, XXXX Id # XXXX came on line and was pretty cold and stated she could adjust the balance because it was residual interest accumulated from balance due. This is so unfair to the consumers. If a consumer pays their balance in full before the due date their should be no residual interest charge. Many of these charges are automatic and can be manually overridden and adjusted. I want this refunded back to me. I know this complaint will not be resolved before XX/XX/XXXX so I will have no choice but to pay the balance to avoid any additional late fees etc.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete credit reporting. I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX  Account Number : XXXX Inaccurate Information : Monthly Payment : XXXX and Experian report {$4700.00}, while XXXX shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : XXXX and Experian list 564 months ; XXXX inaccurately lists XXXX. 
Date Last Active : XXXX : XX/XX/year> ; Experian : XX/XX/year> ; XXXX : missing date altogether. 
Two-Year Payment History : Experian and XXXX show 120 days late in XXXX and XX/XX/year> ; XXXX does not report these delinquencies. 
Comments : Experian : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
XXXX : XXXX XXXX Mortgage FHA mortgage. 
XXXX : No comments reported. 
Legal Bases for This Dispute 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Under 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) must reinvestigate the disputed information within 30 days of receiving this notice. 
The CRAs must also forward all relevant information regarding my dispute to the furnisher, as required by 1681i ( a ) ( 2 ).

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs must follow reasonable procedures to ensure that information in consumer reports is as accurate as possible. Reporting conflicting or missing data ( e.g., different monthly payments, missing dates, varying delinquency histories ) violates this requirement.

15 U.S.C. 1681s-2 Responsibilities of XXXX XXXX XXXX XXXX this case, XXXX XXXX ) must not furnish information if they know or have reasonable cause to believe it is inaccurate ( 1681s-2 ( a ) ( 1 ) ( A ) ) or if the accuracy can no longer be verified after proper notice from the consumer ( 1681s-2 ( a ) ( 1 ) ( B ) ). 
15 U.S.C. 1681i ( a ) ( 5 ) Correction or Deletion If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or removed from my report.

15 U.S.C. 1681i ( d ) Notification of Results CRAs must provide me with the results of the reinvestigation and a revised credit report if any changes are made. 
15 U.S.C. 1681g ( a ) Disclosure of Information I have the right to request all documentation used in verifying the accuracy of the disputed items.
Product: Credit reporting

There is an address listed in a state I have never lived in with a different name than mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and permanent deletion of fraudulent accounts from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I assert that the following accounts on my credit report are fraudulent and were not authorized by me. 
XXXX AXXXX 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
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : XX/XX/XXXX This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX, and Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes the following accounts : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) Opened XX/XX/XXXX {$200.00} Account ending in XXXX. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Opened XX/XX/XXXX {$220.00} Account ending in XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Opened XX/XX/XXXX {$580.00} Account ending in XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Opened XX/XX/XXXX {$530.00} Account ending in XXXX. 

These fraudulent accounts have resulted in several fraudulent inquiries and collections appearing on my credit report. I have attached a copy of my credit report showing the fraudulent accounts. 

I do not recognize these accounts, collections, or inquiries as reported. These accounts were not opened, made, or initiated by me and are the result of identity theft and fraud. 

Attached is a copy of FTC Identity Theft Complaint # XXXX as evidence, along with my supporting documentation. I demand the immediate removal of these fraudulent items and all associated inquiries from my credit report as required under FCRA 605B.
Product: Debt collection

I settled all my debts a couple of weeks ago, I paid all XXXX collection agencies that claimed I owe them. XXXX recovery systems claim I owe them {$780.00} plus, I settled with them on XXXX XXXX 2017. My conformation # is XXXX. 
I also settled with XXXX for {$33.00} ( which I owed ) I setteled those accounts on XXXX XXXX as well. Conformation # is XXXX and XXXX was also settled since the credit was sold to the same creditor. Payment conformation XXXX. 
All these payment were made electronically and I proof of payment. 
I do plead that you look into this urgent matter for me and I truest appreciate the help and thanks in advance. 
Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX To Whom It May Concern : CFPB, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, EXPERIAN, and XXXX. 
I am writing to you today to file a complaint regarding the handling of my disputes with XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, EXPERIAN, and XXXX. I have been disputing the following inaccurate information on my credit report for over 30 days, and XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, EXPERIAN, and XXXX. has not yet completed their investigation :
Product: Credit card

I am entitled to have my interest rate reduced on my accounts to XXXX XXXX peXXXX XXXX  statute XXXX.
Product: Credit card or prepaid card

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,