23daVinci/CFPB_Complaints huggingface dataset:
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 Nelnet : # Account : XXXX Federal Law overrides any company policy. 


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. 

I have attached a copy of my XXXX credit report. For 2023. Per XXXX my XXXX, XXXX and XXXX payments were on time however my XXXX payment is reported as 90 days late. This is inaccurate information. If the months before and after XXXX are reported as on time, it would not be accurate or possible for XXXX to be considered reported 90 days late.
Product: Mortgage

XX/XX/2020 Dear Consumer Protection Agency, I am filing a formal complaint against my mortgage company BSI Financial. BSI has a secure website for reviewing your mortgage information and making your monthly payments. Since the site is secure and I used my personal computer, using saved information to make payments just as if I paid my water bill, electric bill, or bought something on XXXX it should be the same. 
On several occasions I have made my mortgage payment for which, I received a confirmation number only later when making my next payment to find out previous payment was rejected. Every time I spoke to a representative, they stated my payment was rejected by my bank, but I couldnt figure out what was going wrong with each transaction. BSI added late fees, fees for over the phone payments, and even appraisal fees. Several months later, after several calls to BSI a representative figured out why I was having an issue. It was because their secure website did not except saved payment information even though their site was giving a confirmation for each payment received. Their system would later reject my payment unless payment information re-enter each time.

I had no way of knowing their secure site had this flaw yet, I was penalized financially and credibly with extra fees from BSI and a total of five passed due payments on my credit report.

Attached proof document below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request to you, once again, to remove the negative description that you report on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Also, you have been failing to send me copies of verification or documents resulted from your investigation, and yet you continued to report these accounts as verified which is a clear violation of my consumer rights. I need you to remove the negative marks from the accounts or completely remove the disputed accounts.
Product: Mortgage

When I applied for the mortgage deferment, it was not explained to me that the Escrow would not also be out at the end of my Mortgage. Now that I have resumed paying my mortgage the payment has increased. When I complained to Chase, what they offered was not in my best interest. I can not refinance, because i have to wait 4 months, which they don't tell you. When coming off deferment you are punished. Chase does another escrow analysis and withholds 2 payments, which does not include taxes, and none of this is explained drying the process. I was told that ***everything*** would be deferred to the end of the loan. If I couldn't pay my mortgage, how in the world does Chase bank think a person can come up with the escrow shortage?? I was not aware of any of this and now the new payment is causing a hardship.
Product: Credit reporting or other personal consumer reports

Hello, I have a vehicle loan with Ally Auto XXXX. In XX/XX/year> Ally reported that I had missed a payment and this hit my credit report. I made a full payment on XX/XX/XXXX and XX/XX/XXXX. 

I live in Florida and we were hit with XXXX XXXX just XXXX weeks after getting hit with XXXX XXXX. I live on the coast and we had to evacuate. We lost power and water for XXXX weeks and had to go and stay with friends inland. 

I have NEVER missed a payment with Ally. I called Ally on XX/XX/XXXX and explained this and told them my payment was only a day into the new cycle and the next payment is already made, I explained the hurricanes etc. They took all my info and said they would investigate. 

This investigation came back that Ally was correct and my missed payment status would remain. 

I then filed with XXXX and disputed on XX/XX/XXXX. XXXX changed my late status to current for XXXX. This is great, BUT now Ally just showed that XXXX was missed. THIS IS NOT ACCURATE and now such a mess. 

I have tried calling Ally and get nowhere. This cost me XXXX points on my credit report. I need a new car. This is now really affecting me. 

Please help. I have further documentation when this is needed.
Product: Bank account or service

Dear Sir/Madam, Scottrade refuses to remove known-to-be-fraudulent information submitted to my XXXX file. 

Please see the attached. 

Sincerely Yours, XXXX XXXX XXXX
Product: Mortgage

I did a mortgage refinance closing in XXXX of XXXX via XXXX XXXX XXXX. The mortgage was picked up by Mr. Cooper who now owns the note. The refinance was done to reduce the mortgage to 15 year fixed rate with the option to make bi-weekly payments. Since XXXX, I've been calling and working with Mr. Cooper in an attempt to utilize their bi-weekly auto-pay function as a means to lower my total cost/interest fees. 
I've made 12 calls to Mr. Cooper and have submitted the bi-weekly payment forms three times to their representatives. In each case, I have completely followed instructions in terms of meeting all of their requirements to setup the auto-pay feature. Twice they have stated that they lost or did not have the application and once they stated that the picture of a voided check did not fully show the account/routing number. These seem like excuses as the account number was only missing maybe a single number from the view of the image and it was fully documented in their application. Each time, I had to spend roughly 45 minutes on hold and in speaking with representative attempting identify and resolve the issue. Today ( XX/XX/XXXX ), I've now submitted the application for the 3rd time after the previous entry was lost. The level of incompetence here is immeasurable and all the while I'm paying more in interested than is necessary.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request for Removal of Unauthorized or Inaccurate Credit Inquiries Dear XXXX/Equifax I am writing to formally dispute unauthorized or inaccurate inquiries listed on my credit report and request their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be included on my credit report if I initiated the request or provided written authorization for the creditor to access my report. After reviewing my credit report, I have identified the following inquiries that I do not recognize or did not authorize : Reporting XXXX : Inquiry XXXX 
Date of Inquiry XXXX XXXX Equifax : XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX : XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX Inquiry XXXX XXXX XXXX Date of Inquiry XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX 
Date of Inquiry XXXX Inquiry XXXX... 
Date of XXXX XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX Inquiry XXXX XXXX Date of Inquiry XXXX Inquiry XXXX Date of Inquiry XXXX Inquiry XXXX XXXX 
Date of Inquiry XXXX XXXX XXXX XXXX 
Date of Inquiry XXXX XXXX XXXXXXXX 
Date of Inquiry XXXX XXXX XXXX XXXXXXXX 
Date of Inquiry XXXX XXXX XXXX XXXXXXXX 
Date of Inquiry XXXX XXXX XXXX XXXX 
Date of Inquiry XXXX I kindly request an investigation into these inquiries to determine their legitimacy. 
If they can not be verified as authorized by me, I ask that they be permanently removed from my credit report. 
Legal Obligations As outlined by the FCRA : 1. You must investigate disputed inquiries within 30 days of receiving this letter. 
2. You are required to notify me of the results of the investigation within 5 business days of its completion.

3. Any unverifiable or unauthorized information must be promptly removed from my credit report. 

Failure to comply with these requirements may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Enclosed, I have included copies of my government-issued ID and proof of address to verify my identity. 

Please confirm receipt of this letter and provide updates regarding the status of the investigation. Should you require further information, feel free to contact me using the phone number or email provided above. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, Sent by certified mail, response was that they " verified ''. 
I sent another letter requesting the proof of Verification for these unauthorized inquiries. 
No proof was provided.
Product: Debt collection

I have new and updated information regarding complaint number XXXX. I want the record to show that Dunlap Gardiners refusal to comply with 15 U.S. Code 1692g is an infringement upon me exercising my right to assess and validate this alleged debt. Dunlap Gardiners refusal to comply is their admittance that this alleged contractual agreement, alleged instrument of indebtedness is nonexistent, and this alleged agreement is deceitful and fraudulent as the referenced Declaration of Covenants does not bare my intellectual property, neither did it involve me as a party in agreement to this alleged contract. Without these important elements, no such lawful enforceable contract exists. Lastly, I want the records to show that Dunlap Gardiners and its clients abusive and deceptive debt collection practices are willful as theyve admitted to the alleged contract being unscrupulous numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Trans Union Removed XXXX XXXX from my credit score and will not give me an explanation why. XXXX Trans Union removed XXXX XXXX  from my credit score and will not give me an explanation why. This happens regular with Trans Union.
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 XXXXXXXX XXXX Account Number : XXXX Account Name : 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card

I have a Citi XXXX XXXXXXXX XXXX  which I had put a 'lock ' on several months ago. I got an email from Citi that even though my card was locked, there was a recurring charge being processed. This particular charge was unauthorized, from XXXX for a game which I do not have nor have had for several years. In fact, I disputed this charge ( yearly fee ) last year with Citi when it was charged and lost and then contacted XXXX, stating to never charge me again for this, I did not want, do not have, and am not authorizing. This appeared and processed again this year. XXXX. I again disputed this charge via the online web page, XXXX. I called to dispute this charge and after being told it would be removed I was transferred to XXXX different people in XXXX, just saying the same thing. XXXX. I asked them to cancel my account, XXXX. After an hour wasted on the phone I hung up. 
Today again, I called Citi ( XXXX ), this time only to close my account. I was again transferred to another person, this time to my 'Account Specialist '. After asking why I wanted to close my account, he apologized for the service I had received previously. Why do I want to close my account? XXXX. I have two other credit card with 0 % interest, XXXX. I do not want this much 'open credit ', and XXXX the way Citi treats their customers is unacceptable. 
He again tried to talk me out of closing my account, stating that they would have 'security ' investigate my dispute and cancel this number issuing me a new card with a different number so that recurring charges could not occur. I told him that I did not want another card, to close this account and if they send a new card it will only go into the shredder. 
I asked him why they wanted me to keep this account ( I already know why ). He told me about their great reward ( point ) system. I told him, yes, I have {$6.00} in points. He explained how they can accumulate. I told him, no, I don't use this card so nothing will accumulate, cancel the card. He kept talking. I finally go mad after 15 minutes of not getting anywhere to close this account. I have NEVER had such an issue canceling an account in my life! Citi is terrible. I finally yelled at him to cancel my account. He then said 'calm down ... ' I hung up. I am NOT going to waste another hour on the phone with Citi whom refuses to cancel my account. I want his account cancelled immediately. 

Now, instead of closing my account, I just received an email where they want me to 'unlock ' my account! 

Please advise how I can get this closed. 

Thank you for your assistance in this matter.
Product: Checking or savings account

on XXXX XX/XX/2018 my checking account was frozen and all my funds too, i wasn't able to pay my rent, my insurance, my phone bill and even buy food because i have all my savings in this account and also my military service connected payment for a XXXX XXXX. 
when i contact the bank they said that some body file a claim against me because i received a quick pay transaction for {$300.00} dollars and the sender said that he or she did not authorize this transaction. 
after a couple days i went to the bank branch and they agree to let me withdraw money at the branch with assistance, but i wont have access to my account or use my debit card for 45 days. the reason why i am doing this complaint is that the amount of money for the claim is only {$300.00} dollars and the bank is holding my total balance witch is over {$25000.00}, and my military XXXX payment too. 
this situation is causing me a lot stress and frustration and also the bank did not pay the checks that i use to pay for my daughter uniform causing a {$25.00} dollars fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX Dispute with all three agency they have proof XXXX XXXX reaging this account and provided them with statements and which they have on file and will not delete from report and continue to make me do a dispute. Transunion Dispute # XXXX XXXX Dispute # XXXX XXXX Dispute # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud pursuant to 15 usc 1601 and 15 usc 1692. I have been misrepresented in matters stemming to damages from XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX ; XXXX, Michigan XXXX they have placed an unauthorized inquiry on my XXXX credit report I would like them to contact the bureau to have it removed effectively immediately and cease communications on behalf because they do not have permission nor have they ever and as for Barclays Bank Delaware the same federal law is applicable as well as the instructions to remove the inquiry with the credit bureau and cease communications on my behalf their mailing address is XXXX XXXX XXXX XXXX, DE XXXX.
Product: Checking or savings account

Fifth Third Bank will be closing my account within the next 35 days due to undisclosed " risk factors ''. I've been a Fifth Third Bank customer for the past 6 years with an impeccable record. I've only used my account to receive deposits from my employer and make payments to my credit cards, car, and rent payments. The average balance has always been about {$14000.00}. There's nothing crazy going on. Fifth Third Bank came out of the blue and closed my account without a reasonable explanation. This is unfair and I consider this a really bad practice. Furthermore, they're arbitrarily prohibiting me from doing business with them after multiple years of a good relationship. 

Please help dispute this arbitrary decision to make Fifth Third Bank revoke it. There's no real reason to close my account.
Product: Credit card or prepaid card

I am very unhappy with Wells Fargo service, in ALL departments. I tried Wells Fargo a few times, but all end up badly. 

Firstly trying Wells Fargo back in XXXX with mortgage, end up with very bad experience - spent time for the mortgage, paid all the fees, and DID NOT get the house at the end.

Second time was opening a bank account with Wells just to help my bank friend to hit aggressive goal few years ago ( before it was getting to the news and being fined because of the fake-account scandal ) - again, bad experience. 

And this time, try again with Wells Fargo credit card last year. Called Wells Fargo today to get a replacement credit card, was told my credit card account was closed for no reason by Wells Fargo. 
All credit card reward associated with the credit card account are gone as well and the rep told me there is no way to retrieve without reopening the same credit card account. When I open the card, it did not state that the bank will close your card anytime without giving you a chance to redeem your point! 

Wells Fargo Internet banking is really outdated and it is super hard to rest the password without having the actual card - unable to reset password via email or text message associated with my Wells Fargo profile in XXXX. I was unable to check my statement or doing anything using internet banking and this is the only way I do my banking. 

The only thing I hope now is getting my reward back, and I hope Wells Fargo can get this right this time. Please contact me via email or call XXXX if there is any question.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

Attempting to collect a debt for an apartment complex for an NSF check which was paid. All the rent for the entire lease was paid in full before I moved out. A year later, I receive a letter from the debt collector about the NSF. I sent documented information  3  weeks ago of all payments made and now they are asking me to send it again. They also advised me to email it and now they 're saying they did n't receive that either. Today when I called they said they are waiting for documentation from the apt complex  regarding my dispute. Should n't they have received all the documentation they needed   before charging me with an unpaid debt and placing that on my credit report.   The initial letter was dated  XXXX / XXXX /   17  ; it stated that I had 30 days to contact them or they would consider the debt valid. I contacted them and registered the dispute before those 30 days were up and sent them the information. Collection is listed as  XXXX / XXXX / 17  on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX, XXXX 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 a account without my written instructions.
Product: Mortgage

On XX/XX/XXXX I requested the removal of Private Mortgage Insurance from my loan, from which lender PennyMac requested an Appraisal. 
The appraisal showed the LTV was less than required 80 %, and they proceed and removed the PMI payment from my monthly payment After Escrow account revision done in XX/XX/XXXX, I did not agree with the terms and requested de deletion of Escrow Account. 
Lender requested the payment of the shortage for the time of the request, which I made the same day, for an amount of {$5500.00}. 
After payment was reflected in my account I called again and requested the Escrow deletion, which they processed. 2 Weeks later I received a Denial letter saying that an loan to value ( LTV ) ratio was not met, which is not true as they do have the latest Property appraisal which shows less than 80 % of LTV ; and they used it to remove the PMI payment. 
I need all Escrows payments removed as I comply with all requirements for it.