23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I signed up to M and T auto draft on XXXX/XXXX/2015. The purpose of auto draft was for M and T to automatically draft my payments for my mortgage. M and T sent me an email thanking me for signing up for the service on XXXX/XXXX/2015. The email stated that I did not need to reply and I received no further correspondence in regards to the auto draft. All bill notices I receive from M and T indicate that if I am signed up for auto draft, the bill will be automatically paid. I have attached those emails. 

On XXXX/XXXX/2015 a letter was sent to me indicating that I could lose my home due to failure to make payments. I immediately contacted the bank after receiving the letter and made the payment of the phone. I wanted to dispute the late charges as I felt it was due to an M and T error/ miscommunication. I also wanted confirmation that it was not reported to the credit bureaus as the late payments were due to M and T not auto drafting. The person on the phone said they could not do that. I asked how I could follow up on that and the rep on the phone stated I could write a letter or go to a branch. 

I went into the branch at XXXX XXXX XXXX, XXXX NY XXXX on XXXX/XXXX/2015. In the branch I reviewed my concerns and made the above requests. This was escalated to the branch manager and they said they would look into it. I also asked to file a formal complaint and for documentation on M and T banks complaint procedure. The representatives stated that they could not provide this to me and that I could not file a complaint in person in the branch. 

I am at an absolute loss for what to do and I feel bullied by misinformation and apathy by M and T bank. They have a large amount of control over their customer 's lives and must be accountable for their actions. It is a simple case of an error that they made and they have done nothing to help fix it. 

I am requesting the fees to be waived, documentation that they did not contact any of the credit reporting agencies and for them to make filing a complaint easy so that issues can be identified and addressed. I would also like to be pointed in the direction of where I can locate my rights as a consumer when it comes to being able to file complaints with banking institutions. I have dealt with an unnecessary amount of anxiety over this issue with no assistance from the bank holding my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXXXXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}
Product: Checking or savings account

Cheksystems and ally bank keeps during the wrong report on my name and file
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX on XX/XX/17 saying that there were contacting me from the City of XXXX XXXX DA 's office and that I was currently facing trail for nonpayment that I was going to be served papers and that I was going to be summoned to go to court. I was told that the only other option was to pay {$1200.00} by credit card or pre-paid card only and that I had to make the payment that day in order to not be processed in to trail, the person name was " XXXX XXXX '' with the City of XXXX XXXX DA 's and this was her one and only communication as a courtesy I asked for them to email me a paper trail and all they sent over was the attached.
Their address is linked to a XXXX in XXXX, NY The number they called from was XXXX an known scammer
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Bank on XX/XX/XXXX under account number XXXX. This and also a number of fraudulent inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, all of these happened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, that happened on XX/XX/XXXX. Also XXXX XXXX that happened on XXXX, XXXX XXXX. Ive attached a a copy of the consumer FICO credit report maintained by which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, and inquires appearing on my consumer credit report maintained by you where not opened, made, or initiated by me. All of the aforementioned accounts and inquires are a result in identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and inquires are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/2021, I received a credit card from the furniture chain XXXX XXXX XXXX that I had not requested nor applied for. The card was issued by TD Bank, N.A., and came with a {$10000.00} credit limit. 

I called the card issuer to complain and cancel the account. I was referred to their fraud desk, where they did cancel the account ; they will be sending me a confirmation letter within 30 days. Conversation with the representative showed the account was opened on XX/XX/2021. I did not open this account either in person or online. 

Though the matter seems to have been solved to my satisfaction, I understand opening an account without authorization is illegal. I'd like to know how this could have happened.
Product: Student loan

I submitted my renewal application for updating my IBR for Fedloans Servicing. They did not contact me to notify that anything was missing. I 've called twice, once XX/XX/XXXX and a second time on XXXX XXXX ( spoke with XXXX from customer service ) and sent multiple online messages asking for clarification. XXXX stated that it would be processed by the following morning. Each person I spoke to on the phone said all materials were properly submitted and that they were just awaiting processing. I received a message on XXXX XXXX stating that materials were missing from the application and that if I do not make a payment on the full amount, they would report me to a credit agency. They outright lied to me on the phone twice about the materials and never responded to a single online message. The online process tried to force me into taking some of the limited number of forbearance days instead of actually processing the materials.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Prior to transferring to Mohela I was on PAYE. Following the transfer I noted Mohela switched me to 10 year installments with increased my monthly payment by about {$2500.00}. I immediately tried to enroll in the Save program through StudentAid.gov back in late XXXX. When my application wasnt processed by XXXX I contact Mohela which advised me to submit a verbal application with them ( which I did ). They then placed my loans on administrative forbearance. I called several times following and have submitted complaints through studentaid.gov stating I did not want to be in forbearance. I wanted to resume payments under the SAVE program. I was unable to accomplish this. Finally, my last message to Mohela resulted in them restarting my loans again under the 10 year rate with a due date of XX/XX/XXXX ( 3 days following this change ). Interestingly, my loans themselves are still listed in forbearance and Mohela has yet to contact me or send me any correspondence.
Product: Credit reporting

The account with  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX  account #  XXXX  was  discharged  with my ch  XXXX  bankruptcy. I have forward all the information to Equifax 4 times and still they are saying through the investigation the account is being reported correctly. The account is showing as an open delinquent collection on my credit report. I have spoke with a representative on the phone and she to said the account is being reported correctly and she advised me to fax in my bankruptcy information. I did as she advised on to get the information back saying the account is being reported correctly. I need to know my next steps to get this account removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : XXXX/XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ], XXXX XXXX XXXX XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. XXXX XXXX/XXXX  XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2019, Citizens Bank took out for auto payments for {$730.00} two times, I called them to resolve the problem, was told they would mail me out a check on XX/XX/XXXX of {$730.00} because they have no way of putting the money back in my account. Here it is XX/XX/2019 still no check. I have called them every week about this, was told it takes 10 to 14 business days to receive. Just called them on XX/XX/XXXX no check, we are going to mail out another check, give it 7 to 10 business days now. I want this resolved asap. Thanks
Product: Checking or savings account

Hello- my wife and I recently discovered we were the subject of the same aggressive sales tactics utilized b y Wells Fargo that has b een widely covered in the press. We did have  XXXX  legitimate credit card with  Wells Fargo a nd believe they used our information from that card to open other accounts without our approval.      In 2013, without our approval, Wells Fargo opened and closed a credit card within 8 days, opened a savings account, checking account, and a Health Savings Account. We were sent bogus consumer applications of opening both the savings and checking account, with the signature areas blacked out. We were sent a debit card for the HSA. Our credit report includes the 8 day credit card.      We cal led Wells Fargo to  track down these accounts and they claim there is no record of any. For the HSA, they assured us it was transferred to  XXXX   XXXX , though  XXXX  has no record. We have the documentation, name of institution, banker, etc.     We can not reasonably estimate the fees we incurred as a result of these accounts, and given that Wells Fargo claims there is no history of these accounts, we are reaching out to you in hopes of assistance. Thanks you.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to TransUnion Regarding Inaccurate Reporting of Possible Finance on Credit Report : I am writing to file a formal complaint against TransUnion regarding the inaccurate reporting of Possible Finance on my credit report. I have discovered that the Payment History for this account does not show any late payments, yet the account is being reported as 30 days late. This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

According to the information provided on my credit report, the Possible Finance account is inaccurately reflecting a status of 30 days late. However, there is no derogatory payment history to support this claim. As per the regulations outlined in the FCRA and TILA, an account can not be reported as 30 days late without any substantiated evidence of such a late payment.

This erroneous reporting by TransUnion is not only damaging to my credit score but also constitutes a violation of my rights as a consumer under the FCRA and TILA. It is imperative that this inaccurate information be rectified immediately to ensure the integrity and accuracy of my credit report. 
Therefore, I am formally requesting that TransUnion take immediate action to delete the inaccurate reporting of Possible Finance from my credit report and rectify this error without delay. I expect full compliance with the FCRA and TILA regulations to ensure that my credit report reflects accurate and up-to-date information. 
I trust that TransUnion will investigate this matter promptly and take the necessary steps to resolve this issue in a timely manner. Failure to do so will result in further action being taken to protect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

This item on my credit is an error. I have no knowledge of this debt. I did not authorize any person to act on my behalf to undertake this debt. I did not and will not in anyway benefit from this debt. I do not know the persons or parties that originally undertook this debt. 

On XX/XX/XXXX  a demand letter ( see attachments ) was sent to XXXX XXXX XXXX. This demand letter was seeking verification of the debt that is the subject of this notice. Said letter stated that it appears that debt is not associated with the correct party, some how the information has transmitted in error, or that the debt may have been fraudulent ; therefore, it was requested that all information and / or documents associated with this debt be forwarded as verification of such debt. ( See attachment for actual demand letter. ). As of the date of this letter, XXXX XXXX XXXX has not responded to the XX/XX/XXXX  demand letter I request your organization investigate this matter. If XXXX XXXX XXXX does not or can not provide such demanded verification it is requested that your bureau remove this entry from the respected credit file. Also, it would be requested that you remove all associated information related to this erroneous entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was on my mortgage company website and thought i was being billed a late fee but when i called then a rep told me after a escrow analysis my mortgage was going to increase in XX/XX/2020. I informed the rep I could not afford to pay a higher mortgage so the rep offered an extension on my mortgage, he said I could continue paying the original amount of {$1500.00} for 3 more months instead of {$1600.00} as long as I called monthly and processed payments by phone. Later that month I discovered an error that I made, my payment was not honored but I immediately paid once I realized there was an error. Multiple reps promised fee adjustments and also confirmed my payment extension that the first rep promised. By XX/XX/2020 I got a letter stating there was a problem so I called and was told my account was past due. I offered to pay any past-due amount needed so that my credit wouldn't be impacted so that rep told me to pay {$35.00} and assured me that everything else was already taken care of. She said the XXXX was for the XXXX payment being past due and NSF and said all other fees were already removed. She also mentioned for the first time that i was not eligible for the extension that was promised to me in XXXX and told me that going forward I should pay {$1600.00}. I've asked multiple reps to have the negative report removed from my credit file since Shellpoint rep gave me wrong info that lead to full payment not paid which ultimately considered me past due. Shellpoint doesn't seem to agree with fixing my credit file. Today, XX/XX/XXXX I got an automated call that hung up on me, I called back and a rep told me I need to pay additional fees despite I have not been late or had any declined checks since the XXXX time in XXXX. Shellpoint is taking advantage of me, they can't explain why I'm still getting billed more fees and won't accept responsibility for giving me wrong info. I've tried to give them several opportunities to keep this right but they ignore me. I would've just paid the {$1600.00} to avoid this terrible situation and try ro refinance later but now my credit score has dropped very low because a rep at Shellpoint gave me wrong info, this is not fair. I feel like they are picking on me and mistreating me.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer from my discover bank account to a XXXX  XXXX XXXX account at around XXXX XXXX  on XXXX  XX/XX/year> it has now been XXXX hours and my funds can not be located. Discover will not provide me with any information of where they are
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted this company numerous of times over the past 5 months. I've stated to them as well as proven to them that they are reporting inaccuracies on my credit report. This is affecting my credit very poorly and stopping me from obtaining residence for my family. I gave this company more than enough time to correct this. Way past the legal time companies have to respond. And they just continue to violate my rights per FCRA.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. XXXX, XXXX, and Experian is in clear violation of the law pursuant 15 USC1681B. The company has constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified. Please remove XXXX Account system from report. Under the Fair Credit Reporting Act, XXXX, XXXX, and Experian has violated my rights. 15 U.S.C 1681 section ( 602a ) states, I have the right to privacy. 15 U.S.C 1681 section ( 604a ). Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information, caused to go through identity theft. 
wrong addresses not associated with me as a person. 
Shared information without consent.
Product: Debt collection

I continue to get phone calls about a debt to optimum but I canceled there service months ago and returned all equipment. I do not owe them money especially when services were consistently out.
Product: Student loan

1 ) Navient failed to update my credit report in timely manner 2+ months 2 ) Interest is unfairly accumulated, even with pending payments. Interests is added daily, and it takes several days for a payment to go through. Ex. A loan payment submitted on Monday for the full pay off amount, will not cover the entire balance by the time the payment is processed, resulting in still owing more money on the account that had a payment posted to settle the entire balance. Should it not be compiled at the ends of each month?