23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX paid {$2100.00} Regular Payment. 

This was {$710.00} Principal, {$810.00} Interest, {$660.00} Escrow. 
But Shellpoint went in & for no known reason, minused off ( {$350.00} ) on the same date. 
The Principal balance was {$310000.00}. 
So it should have been {$310000.00} but Shellpoint left it at {$310000.00}. 
The Escrow was ( {$8100.00} ). 
So Escrow should have been ( {$7400.00} ) but Shellpoint left it at ( {$8100.00} ). 
They did not give credit for principal or escrow out of amounts paid on XXXX Principal owed {$710.00} & Escrow owed {$660.00}
Product: Credit reporting or other personal consumer reports

Equifax continues to report an unknown creditor that should not be on the credit report. There is no contract with this creditor ands its reporting late payments for a creditor named XXXX XXXX XXXX. There has never been authorization for an account to be opened with this creditor or for private source data information to be shared with this third party
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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number:XXXX Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX XXXX Account name : XXXX Account Number:XXXX Account name : XXXX XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : U.S DEPARTMENT OF EDUCATION Account Number:XXXX Account name : U.S DEPARTMENT OF EDUCATION Account Number:XXXX Account name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or 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

I am filing this complaint against TransUnion for inaccurately reporting the XXXX XXXX XXXX account ( Account Number : XXXX ) on my credit report. Despite the account being charged off, it continues to reflect a balance, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
Additionally, the account is reported with inconsistent dates and conflicting information across credit bureaus, further violating FCRA requirements for accurate and complete reporting. 
I have requested TransUnion to delete this account entirely due to these violations, but no resolution has been provided. I seek the Consumer Financial Protection Bureau 's assistance to ensure this account is immediately removed from my credit report. 
Thank you for your attention to this matter.
Product: Debt collection

If contacted the debt collector 10 times to validate the debt they have yet to respond. This is not my debt
Product: Credit card or prepaid card

I have had major difficulties with this company for the l ast two ye ars. I wo n't go into the story except to say that I had to get a lawyer to have them remove a {$4500.00} charge that was never mine. they ought to have paid his expenses and refunded all the interest but I let it go because I had had enough of their runaround.   Now they have charged me with a late fee on a bill I never saw. they say they ca n't forgive more than one late payment every twelve months and I already had mine. the problem is that I can prove with my medical records that I have been ill for months including  XXXX   XXXX  in my  XXXX /  XXXX , and  XXXX  that went undiagnosed for at least 6 months. When I got the bill for a little over {$100.00} with the late fee of {$25.00} which could not be taken off, I felt it was usurious and illegitimate and I paid the bill without the late fee. this month I got  XXXX  bills.  XXXX  was the late fee doubled with .50 interest for a balance of {$50.00}. the other was a bill on a different card with a credit of - {$25.00}. They actually had enough to cover my late fee and zero it out.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian and XXXX for their failure to correct inaccurate information on my credit report despite multiple dispute submissions. The inaccuracies have caused significant harm to my creditworthiness and financial standing. 

I have provided the credit reporting agency with detailed information regarding the inaccuracies and have requested corrections in accordance with the Fair Credit Reporting Act ( FCRA ). However, they have willfully and negligently failed to comply with the following statutes : 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance : The agency has willfully disregarded the accuracy of my credit information. 
15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance : The agency has negligently failed to address the inaccuracies on my credit report. 
15 U.S. Code 1692k - Civil Liability : The inaccuracies have led to unfair debt collection practices, further compounding my distress and financial damage. 

I have attached a formal letter sent to XXXX, Experian and XXXX, detailing my demands for correction and the legal basis for my claims. I would like the CFPB to be aware of the wrongful actions by the credit reporting agency and to intervene to ensure that they comply with their legal obligations under the FCRA and rectify the inaccuracies on my credit report promptly.
Product: Debt collection

On or about XX/XX/2018, I contact XXXX XXXX  in order to pay off an outstanding debt. When I spoke with the collections agent, I requested a pay off of 80 % for a free and clear. The rep stated they could not do this, but placed me on hold. The rep then came back and offered a pay off amount that removed the interest and fees owed. I accepted, and paid my debt in full. 

On or about XX/XX/2018, I attempted to purchase a new vehicle. This deal was held up due to Greensky still reporting a debt unpaid of almost XXXX, even though 45 days previous, I paid off this debt with an amount of approximately XXXX. When I called to ask why this was being reported, I was told by the collections person that there was an additional amount due of XXXX. I explained this was incorrect. They pulled the call, transferred me to another department, who also listened to the call, and told me that what I stated was correct, however, the collection Manager was not going to honor the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( XXXX ) days late on the INSTALLMENT NOTE partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

They flagged my account for fraud. There is a block on my account. However, I have never, nor would I ever attempt, fraud or scamming. I dont care if they close the account or not, but I just received my paycheck from my place of employment and I have no way to access it. I just want the money that is rightfully owed to me.
Product: Checking or savings account

My life has completely stopped because not only did boa lock my account over XXXX that.was blocked by them but my balance is getting lower with me not having access since XX/XX/2023 I'm not understanding this I updated my new phone number which was the original reason why they say they couldn't access my information, now their saying I need to go into a bank which I've done twice and the tellers know me wouldn't help me without an ID when they have in the past, this is what the millionaire CEO 'S has done to a XXXX old man on social security, locked me out of my account for XXXX in the past they contacted the business that did this before and got my money back, not this time because there was nothing taken, it is very obvious what their doing, those hundreds of thousands they were ordered to pay back will be coming from Bank of America skimming the remaining clients money, this is as clear to me as the sun in the sky, you time to the right thing has dried up it's now time for someone that has the XXXX save their money or their XXXX, I can't get important information of a lost phone for a aggressive stalking case because the company needs money, I can't connect my connectivity internet fre by the government because it's XXXX to activate, not that I could because my fourty $ has dropped to XXXX and that may be gone by now, I can't get to my very first appointment with a XXXX  to evaluate me with XXXX  to get the proper medication, I promise you boa the XXXX of banking I'm keeping exact note on every day of the XXXX, both physical and mostly mental YOU will be paying for every single day I drink this XXXX out of my system because if not I will sit in my apartment and cry every day
Product: Credit card or prepaid card

I have a credit card with Citi Bank, we paid $ XXXX by mistake on XX/XX/2022, When we realized on XX/XX/XXXX, I called customer service to refund that amount to my Checking account with Same CITI Bank or refund to the origin, from where the payment was done. They said there will be hold till XX/XX/XXXX then we will release the payment. I made complaint with CFPB XXXX on XX/XX/2022. They just linger ont the refund. Despite of several calling they are holding the money, which is not back yet as on XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  dispute number XXXX Federal law prohibits XXXX  providers from billing beneficiaries who are enrolled in the XXXX  program for XXXX XXXX XXXX  and XXXX XXXX deductibles, coinsurance, or copayments. 
If you erroneously bill an individual enrolled in the XXXX   program, recall the charges ( including referrals to collection agencies ) and refund any invalid charges he/she paid. 

Billing of XXXX  Is Prohibited by Federal Law Federal law bars XXXX providers and suppliers from billing clients enrolled in the XXXX  program for XXXX XXXX XXXX and XXXX XXXX cost-sharing under any circumstances.

The XXXX  program provides XXXX   coverage of XXXX  XXXX XXXX and XXXX XXXX  premiums and cost sharing to low income XXXX  clients.

XXXX  is an eligibility category under the XXXX  Savings Programs and providers and suppliers may bill State XXXX  agencies for XXXX  cost-sharing amounts. However, as permitted by Federal law, States can limit XXXX cost-sharing payments under certain circumstances. Regardless, individuals enrolled in the XXXX   program have no legal liability to pay XXXX  providers for XXXX  XXXX XXXX or XXXX XXXX cost-sharing.

XXXX   providers who do not follow these billing prohibitions are violating their XXXX  Provider Agreement and may be subject to sanctions ( see Sections 1902 ( n ) ( 3 ) ( C ), 1905 ( p ) ( 3 ), 1866 ( a ) ( 1 ) ( A ), and 1848 ( g ) ( 3 ) ( A ) of the Act ).

PLEASE TAKE ACTIONS TO HAVE THIS REMOVED FROM MY CREDIT HISTORY AND I WANT TO PURSUE LEGAL ACTION AGAINST THE REPORTING AGENCY
Product: Credit card or prepaid card

On XX/XX/XXXX, my XXXX credit card was switched from XXXX XXXX XXXXXXXX to Comenity Bank without my knowledge. This involved new account number and cards even though I had several years left before expiration. At least XXXX of my automatic payments were not paid as a result. I called and was told I would receive a new card within a week. On about XX/XX/XXXX, I called again and was told I would receive the card the next day. I did not. On XX/XX/XXXX I received a bill by mail for {$190.00} which upon review accurately reflected some charges made before the new card was issued. On XX/XX/XXXX I sent in my payment. On XX/XX/XXXX, having still not received the card I called to cancel the account. I asked if they had received my payment, they said yes and verified the amount. I asked, " Do I now have a XXXX balance? '' and was told yes. I said, " Please cancel the account. '' She said yes, no problem. The next day I finally received the cards and shredded them. The new number was never activated. On XXXX XXXX I received an email bill from Comenity for {$25.00}. Upon calling I was told this was for a late payment. The due date was XX/XX/XXXX, I sent it in via XXXX mail on XXXX. Recall that the XX/XX/XXXX call confirmed their receipt and that I had a XXXX balance. The XX/XX/XXXX call claimed the payment was not received until XX/XX/XXXX. They promised to remove the late charge. I tried again to close the account and was told I would receive a mailed confirmation of the closure in XXXX week.
Product: Credit reporting or other personal consumer reports

I am writing to you once again to follow up regarding the unresolved issue of late closed and charge-off accounts on my credit report. Despite my repeated attempts to rectify this matter, these negative entries persist, impacting my creditworthiness and financial standing. Despite my persistent efforts, these negative entries continue to tarnish my credit report, hindering my ability to access credit and financial opportunities. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these derogatory accounts undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the late closed and charge-off accounts on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove the acconts : XXXX. XXXX XXXX XXXX* Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX. XXXX XXXX XXXX : {$810.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
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 XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Fraudulent Activity on Wells Fargo Account - XXXX XXXX XXXX On XX/XX/year>, my Wells Fargo checking account was targeted by fraudulent activity at the XXXX XXXX, CA XXXX, where I have never conducted business. A Wells Fargo Customer Service representative informed me of the following details : Two fraudulent checks were deposited via separate transactions on XX/XX/year> : XXXX for {$1300.00} and the other for {$2700.00}. 
A {$1000.00} withdrawal was made in-branch on the same day. 
The {$2700.00} check was flagged as fraudulent on XX/XX/year>, and the corresponding adjustment was made to my account. 
The {$1300.00} check was flagged as fraudulent on XX/XX/year>, and that amount was removed from my account. 
Despite the identification of fraudulent activity, the {$1000.00} withdrawal was processed. 
I was notified via email on XX/XX/XXXX at XXXX pm that my account would be closed due to altered check deposit attempts, indicating that the fraud occurred before that time. 

Upon visiting my local XXXX XXXX branch at XXXX XXXX XXXX XXXX, I was told by staff that account details and ID photos are often compromised at restaurants and bars. I confirmed that my California driver 's license and Wells Fargo debit card remained in my possession throughout the relevant period. Their explanation seemed to suggest that such incidents were common and that Wells Fargo would handle the matter. 

However, Wells Fargo subsequently denied my fraud claim, citing a lack of bank error in a XX/XX/XXXX letter, and a XX/XX/XXXX email. They claimed the transactions were made by myself or someone with my permission, a claim I dispute. This accusation is unfounded, as it is implausible that someone could withdraw {$1000.00} from my account, even with my permission, especially when the account should have been flagged for fraudulent activity and had insufficient funds to cover the withdrawal. This seems to be a blanket statement made to shield the bank from responsibility for an employee 's failure to properly verify the identity of the person conducting the in-branch transaction. 

I have been informed that the {$1000.00} withdrawal, which resulted in an overdraft, will be sent to collections if the balance is not paid. 

I have provided documentation confirming my presence at work in XXXX XXXX, CA, from XXXX AM to XXXX PM on XX/XX/year>. I am confident that the signatures on the fraudulent checks and branch video footage will confirm my non-involvement. I am willing to sign an affidavit attesting to this. 

Further documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the Credit Reporting Agencies ( Experian, XXXX, and XXXX. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am helping a family with a home loan and the lender that we are working with ran my credit report. The next day ( This morning ) i have received over 30 unsolicited calls from various lenders. One of them told me that equifax shared this info as I ran my credit yesterday. I did not authorize anyone to contact me and this harassment continues as I am getting non-stop calls. This needs to stop immediately. These credit reporting agencies have no business sharing my cell phone and contact info with lenders without my explicit permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below were not authorized by me. I have attached FTC report for these inquiries that are on my credit file fraudulent. 

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 TransUnion 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, credit repair services, or other personal consumer reports

Unknown account on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, 2022 {$1100.00} Closed
Product: Mortgage

1. Borrower originated the loan on XX/XX/2017. The first payment was due on XX/XX/2017. Hurricane Irma ( Category 4 ) struck Florida on XX/XX/2017. The Governor of Florida declared the entire state a disaster area.

2. Immediately following Hurricane Irma, Lender/Investor offered Borrower the Hurricane Irma Natural Disaster Forbearance plan.

3. Lender/Investor did not provide the Borrower with a Loan Modification after the completion of the Hurricane Irma Natural Disaster Forbearance plan as required by the program guidelines.

4. Lender/Inve

stor denied Loan Modification due to Borrower not making the minimum amount of payments to the loan. However, the minimum amount of payments was not made due to the first loan payment being due the same month as the Lender/Investor of

fer ed Hurricane Irma Natural Disaster Forbearance plan. 5. Therefore, Lender/Investor created a Default of the Borrower by not modifying the loan after the completion of the Hurricane Irma Natural
Disaster Forbearance plan. This refusal to modify the loan was in direct violation of the promise made by the Investor to provide hardship relief to the Borrower after the completion of the Hurricane Irma Natural Disaster Forbearance plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX AR XXXX {$320.00} XXXX XXXX XXXX {$41.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}