23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I signed an agreement to purchase a new construction loan from a builder. The builder has an associated lending company. I decided to shop around for a better mortgage and found a great rate with the same bank that services my checking and savings accounts. However, the builder claims to provide a significant incentive to use their lender. On the associated lender 's GFE for the loan, it shows that I would be responsible for the traditional XXXX % of transfer taxes and then shows a much lower seller credit than the claimed incentive. When I asked about this, the associated lender explained that the majority of the incentive is applied to the portion of the transfer taxes traditionally paid by the seller, then the remainder is applied as a seller credit. I took this as a marketing tactic and brushed it off. When I presented the builder with the loan estimate from my bank, they said that it was a bad deal and that I would miss out on the incentive and would have to pay the full transfer taxes if I proceeded. I think that this is a very deceptive practice and I do n't feel comfortable being strong-armed into paying more by using a different lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX {$150000.00} Balance updated XX/XX/2021 9 late payments fcra violations never late
Product: Debt collection

Got a letter out of the blue about an outstanding debt. We have paid any and all debts we have been made aware of so it was shocking to get a letter from a debt collection agency ( and one that has numerous reports of fraud and has already been reported numerous times for fraud ). It feels like we are being taken advantage of and that they are trying to collect on a debt we do not owe. Unless they can provide detailed proof of an unpaid debt from an original service provider we know about, we will not send money to an unknown actor that has been reported as a scam. We are mostly concerned that they will try to put it on a credit report as others have reported them doing this. This is why I'm reporting to CFPB.
Product: Credit card or prepaid card

Earlier in XXXX I filed a dispute for an overpayment. I over paid my credit card company by {$60.00} making a {$360.00} payment instead of a {$300.00} payment. After experiencing difficulty resolving it with the credit card company I filed a dispute with chime. Chime resolve the {$60.00} dispute and credited my account. However, on XX/XX/XXXX I received a letter From my credit card company advising me that they had returned my payment for {$360.00}. Ive been contacted Chime to find out why the {$300.00} had not been credited to my account. After much confusion and runaround I still dont have an answer nor my {$300.00}. I filed a dispute and provided chime with documentation supporting my claim yet it appears to have been closed and I was not given any notification!
Product: Credit card

I went to XXXX XXXX XXXXXX/XX/year>, My bill was {$110.00}. I got charge {$210.00}. I opened the dispute and they gave me partial credit for the difference and then they reversed it They sent me a letter and I had to provide with my receipt. They haven't resolved the issue. I called because I wanted to talk to someone in regards of this because as a customer over 10 years with CITI, I can't believe that even when I had provided with my receipt, they aren't resolving the issue. I asked the agent if he was going ask me the security questions and he said no because it was a transfer call from the XXXX. Then when I started explaining the reason of the call and he started asking the security questions. He asked me for my phone number My security word and then he asked for my full social security which is illegal, they can only ask for the last XXXX and then he denied to help me because I told him that I put it on the system when it prompt me to do which is illegal to denied the service because I didn't provide with the full social security number. At that time, I got upset and let hm know I wanted to talk to a sup or manager and he denied. I told him to transfer the call to cancel my credit card and he denied as well. This is absurd. This is against the law, there are federal regulations that protect the customer to disclose it. This company should get fine for this kind of practices. When I tried to log in into my account online after the conversation and it says that it was temporarily out of service.
Product: Debt collection

Name : XXXX XXXX Phone # XXXX Email : XXXX Collector Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX RE : Dispute of Debt and Violation of Consumer Rights Dear XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) I am writing to dispute the debt referenced above and allege violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Debt Validation : I have received your communication regarding the alleged debt, but you have not provided the required validation information as outlined in 12 CFR 1006.34 and B5 of the FDCPA. This regulation states that you must send a written validation notice within five days of your initial communication, containing details such as the amount of the debt, the name of the original creditor, and the date of the last activity on the account.

Failure to Dispute : Furthermore, your actions violate 12 CFR 1006.34.c4i of the FDCPA, which requires you to provide me with a reasonable opportunity to dispute the debt before taking any further action. I have not been afforded this opportunity.
Consumer Reporting : Despite the lack of validation and dispute opportunity, you have reportedly placed this debt on my consumer report. This constitutes a violation of 12 CFR 1006.34 ( d ) of the FDCPA, which prohibits debt collectors from reporting inaccurate or unverified information to credit reporting agencies. Additionally, it violates 15 U.S.C. 1681s-2 ( a ) ( 3 ) of the FCRA, which prohibits furnishing incomplete or inaccurate information to credit reporting agencies.

Demand : I demand the following immediate actions : Provide written validation of the debt as per 12 CFR 1006.34 and B5 of the FDCPA. 
Cease all collection efforts until the debt is validated. 
Remove the debt from my credit report if it has already been reported. 
Provide written confirmation of these actions within 30 days. 
Further Action : Please be advised that if you fail to comply with my demands, I will be forced to pursue further action, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal counsel. 

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

To Whom It May Concern : I recently reviewed a copy of my XXXX credit report and I noticed some late payments on my credit report. 

Original Creditor : Barclays Bank Delaware Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the late payments from my consumer report in the next 15 days, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX
Product: Debt collection

Radius Global Solutions, Account number # XXXX Opened : XXXX Balance : {$5500.00} Contacted company via certified mail with all requested documents, supporting identity theft, and contacted them via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is Transworld Systems. When I called the line it was some new company called XXXXXXXX XXXX XXXX XXXXXXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX  info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.
Product: Vehicle loan or lease

I got a car loan from XXXX XXXX  XXXX XXXX and set up automatic payments. I have never missed a payment on any of my bills in my life because I set up automatic payments and make sure there is enough money in my account to pay ALL my bill for at least 2 months. XXXXXXXX XXXX XXXX  XXXX merged with PENTAGON FEDERAL CR UN when I was in XXXX and never sent me a notice that my automatic payments discontinued. I did not learn about this until my credit score took a hit and I called them about my past due bill. They explained that when the merger took place " I SHOULD have received a notice '' which I did not. The merger discontinued the automatic payments so I needed to setup a new auto-pay. After explaining to them I did not receive any information or warning, they did nothing. My credit score dropped 100+ points. This can not be legal or at the very least ethical. What can I do to fix this?
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to Experian and also XXXX  XXXX XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Bureaus is reporting hard inquires that was not authorized or given consent to to pull my credit file. However, I noticed several soft inquires on multiple occasions which could possible be a error which is why have asked for an investigation into this matter, 1. XXXX  INQUIRY HARD PULL XX/XX/2022, ALL OTHER ONEMAIN CREDIT PULLS soft pull DATES ARE XXXX. I HAVE NEVER AUTHORIZED OR GIVEN CONSENT TO THIS COMPANY TO DO A SOFT OR HARD PULL ON MY CREIT REPORT NOR DID EVER COME IN CONTACT WITH THIS COMPANY.. 

XXXX XXXX I HAVE NEVER AUTHORIZED THIS COMPANY OR CONSENTED TO THIS COMPANY PULLING MY CREDIT AT ANY TIME.
Product: Credit reporting or other personal consumer reports

XXXX is incorrectly reporting 60 day late payments on credit report. I have never had a 30 day late payment and especially not a 60 day late payment.
Product: Mortgage

On my Rocket Mortage account I replaced an insurance company with a different one and canceled my escrow acct. With XXXX XXXX agent, we verified everything was in order. The old insurance was cancelled on XX/XX/XXXX and I received all of the forms from Rocket Mortage verifying that escrow was closed and new insurance was in place. On XX/XX/XXXX as always I called to have funds moved from my bank to Rocket. The amount quoted was with the old insurance included. I asked for assistance in getting the extra amount removed. I got no help, so I asked for a manager. I was told someone would call me in 48 to 72 hrs. I did not receive a call or message. My smart phone would alert me of a missed call if the person was not in my contact list. So I know there was no attempt to reach me. 
On XX/XX/XXXX I made my normal payment of {$1000.00} and it was taken from my bank checking account. On XX/XX/XXXX I checked my Rocket account and to my surprise I found they showed my payment I made but they also showed I did not make my XXXX payment and it was past due? On XXXX I was told a person who tried to reach me in early XXXX was out of the office but he gave me her # and I left a message. I did not hear from her around XXXX so I called her. Was told she was on a call and would get back to me on the following Monday. I explained that was not satisfactory, so they put another person on the line with more lies. Directly after speaking with her, I received an email stating a late fee had been added to my acct. 
I do have all names and times if they will help. I can also send screenshots of everything that I have saved on my phone. 
Thanks Much for listening to me. I am XXXX on a fixed income and do not have extra to just be scammed out of. 
XXXX XXXX
Product: Mortgage

A wrongful foreclosure and I was denied the opportunity of discovery and that is in direct violation of my constitutionally secured rights to due process of law which is a direct violation of your oath of office. 
My credit has been impaired and they have threatened me with the imminent loss of my property despite the fact that I have made all payments in accordance with the loan agreement. 
The mortgage company Failure to give proper notice due to a one-digit wrong social security number that was done at the closing. 
Miscommunication between the lender and me about the social security number then the lender stop processing my payments and stated sending the payment back to me. 
I am a senior with XXXX  XXXX and the mortgage company stole {$55000.00} from me which was an insurance hurricane claim check for the roof and other repairs so I feel that irreparable harm has been done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments/utilization on multiple accounts : XXXX XXXX XXXX Unverified/Not Metro 2 compliant XXXX XXXX XXXX Unverified /Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXX Unverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXX Unverified/Not Metro 2 compliant XXXX Unverified/Not Metro 2 compliant XXXX XXXX Unverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant XXXX XXXXUnverified/Not Metro 2 compliant XXXX XXXX XXXX XXXXUnverified/Not Metro 2 compliant XXXX XXXXUnverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant and/or utilization is an experience created by credit usage . 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT. 

Several disputes have been mailed to the credit bureaus with no response at all. 

Your lack of accountability is XXXX False information in my credit report XXXX XXXX XXXX. Unsubstantiated claims XXXX XXXX Accurately report or remove allegations. 

Listed below are the Collections that are being challenged XXXX - XXXX I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX  XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX  - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being reported on my consumer reports, although I was never late. According to the XXXX XXXX effective XXXX preventative measures were supposed to be taken to keep my credit scores from being ruined by preventing adverse information from being added to my consumer reports, and preventing credit score furnishers from creating and/or implementing new credit scoring models that would lower my existing consumer credit scores during the XXXX pandemic. This information has defamed my character, because it is derogatory and causing me mental anguish, sleepless nights, and preventing me from obtaining credit. please see attachments
Product: Debt collection

Ive disputed this in my XXXX credit reports and they just say that its valid. No backup to prove it.
Product: Checking or savings account

I XXXX XXXX XXXX XXXX  had a checking account with wells Fargo, in XXXX  I paid my service bills as usual with my debit card. XXXX was paid but apparently water was not. 
The water company shut my service off for non payment, it was around XXXX XXXX as I was behind in payments and honestly was struggling. I didn't have a lot of money so all of my check went to my bank account to pay for this services and I made sure it was enough. 
My water got shut off, the bank didn't have my money back, I had to pay reconnection fees and they ended up closing my account because I was never able to get a response from them, I filed with you at the beginning of XXXX  and they contacted me but after a couple of calls and them " not finding information '' but they did find my account, they just stopped answering my calls and all communication just stopped without explanation. 
At the time my XXXX  was just a XXXX XXXX and I have XXXX XXXX. We went without running water for a month until I had enough money to pay my water bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is against XXXX investigation result to my dispute : XXXX, XXXX XXXX, and myself we are in agreement that : 1 ) The account was open for a period of almost 3 months 2 ) That the account has been in paid in full in the above mentioned period 3 ) That the account has been closed by my request and not for any other reasons. 
However, myself and XXXX disagree with XXXX on the following : 1 ) the account never have been charged-off nor send to collection in the first place. Kindly look at the duration of this account, 3 months only, which mean that there were to cycles only in this 3 month duration for the due date. so how it is possible that a credit card company in this short period of time try to chase me to pay the balance and when they did not succeed, they send the account for collection, and even this didnt work, so they decide dot Charge-off the account!! all this took place after the first due date of the first payment which will be XX/XX/XXXX and went through till I paid it off and closed the account on XX/XX/XXXX!!!! pls tell me how this is possible!! how XXXX can not see that and making-up their conclusion and what they are showing in the report as a " CO ' which is " Charge-off '' after it have been paid in full and stayed " CO '' for 2 months ( XXXX and XXXX )!!!!!??? 
are the credit bureaus have the right to interpretive the reporting that they receive from a credit company, or they enter in the report as the credit company reported. 
Putting in mind that I had 17 different CC accounts ( which I closed 11 of them in the same time I closed XXXX account ( disputed account ) and my " PAYMENT HISTORY '' in all what I closed and what I have till now open ( 6 of them ) is " EXCEPTIONAL ''!!! pls check my report. 
My question is, what if myself ( account holder ) and the credit card company ( XXXX ) disagreeing off the out come of the relationship, what will happen to my credit and how this issue will ever be resolved.!!??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.