23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the accuracy of the late payments being reported on my XXXX XXXX. XXXX XX/XX/XXXX XXXX On my Equifax Report. 
It is my understanding that 15 U.S.C.

1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy when reporting consumer information. As this late payment is currently being furnished, I am requesting that you conduct a thorough investigation into its accuracy.

To substantiate this late payment, the following documentation is required : Proof of the Periodic Statement : According to 15 U.S.C. 1666b, a creditor can not classify a payment as late unless a periodic statement is sent in compliance with 15 U.S.C. 1637b. I request verification that this statement was sent, including a copy of the periodic statement showing the payment due date.

Proof of Timely Delivery : 15 U.S.C. 1666b also requires that the periodic statement be sent no later than 21 days before the payment due date. Please provide proof that the statement was mailed on time, including a tracking number or other confirmation of mailing.

Negative Information Notice : Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), the creditor must provide written notice to the consumer before reporting any negative information, such as a late payment. I request evidence that this negative information notice was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Purchased a new home in XXXX of XXXX with a mortgage from XXXX XXXX. Shortly after the purchase probably in XXXX or XX/XX/XXXX the mortgage was sold to Flagstar. My monthly payments were {$1200.00}. Then on XXXX the payment went down to {$950.00}. I do not recall getting anything regarding this and Im assuming it was after a escrow analysis was done. But I dont understand what they used to make the analysis because the payment should not have gone down. Because my escrow account had a shortage of over {$10000.00} my payments as of XX/XX/XXXX were going to be increased to {$2200.00} which wouldve been over double what I was paying previously. Thankfully the property was sold on XX/XX/XXXX ; however I am upset that they lowered my escrow payment. I think they may have looked at an old tax bill since it was a new property when I purchased it and they looked at the taxes before it was completed. Actually during the closing on the day I purchased the property they did have the wrong escrow amount but they caught it during the proceedings and it was changed to {$1200.00}. I feel that Flagstar was very negligent in how they determined my escrow during the XX/XX/XXXX analysis
Product: Mortgage

My complaint is about a mortgage application and closing. During the home purchase process, i applied couple lenders and was informed that due to my visa status, i was only eligible for an FHA loan.I got approval from the  Cross Country  loan company for my home purchase and i submit all required information and documentation. I informed C ross Country about my visa status and submit  all related legal documents too. After their approval on  XXXX   XXXX    XXXX  , i continued with the purchase process, paid for inspection, paid {$450.00} to  Cross Country  for appraisal. Closing date scheduled was  XXXX   XXXX    XXXX   and on  XXXX   XXXX , i was informed by my real estate agent that there was a problem with my loan. Cross country then disclosed that i was ineligible for an FHA loan due to my visa status, just 2 days before closing date. After a research and discussions with other lenders, i found out that i was actually eligible for the loan. I paid {$1000.00} additional earnest money and extended the purchase contract, transferred the loan to another lender,   XXXX   XXXX   XXXX  . We also transferred the appraisal from cross country but we were unable to use it therefore i paid for the appraisal again. Not to mention inconvenience about my other arrangements for moving, my current rental place and costs associated with those. Eventually, as of today  XXXX / XXXX /  XXXX  , i got the loan from  XXXX  and successfully purchased the property.
Product: Credit card

Called what I thought was XXXX XXXX, on XX/XX/XXXX at XXXX but it turned out to be an imposter who booked my travel on an affiliate airline. I was one digit off on phone number which I discovered within an hour of booking as it made no sense to be booked on XXXX XXXX and paid extra {$300.00} fee. My card is Citi AA. I called the number back and realized it was a spoof. The imposter used XXXX. XX/XX/XXXX is XXXX. 

I called Citi right away to shut down my card. They issued a credit for the {$300.00} promptly. I spoke with the security department and went through other reps through a series of calls to Citi on XX/XX/XXXX in between XXXX until XXXX. I was worried the imposter had my birthdates, address and credit card number. 

To my surprise, on review of my Citi online transactions, on XX/XX/XXXX after vacation, there was a reversal from Citi and charge back to me of the {$300.00} on XX/XX/XXXX. I had not received any request for information and recall Citi reps sympathetic approach and assurance I indeed was spoofed and the matter would be taken care of. 

I called Citi on XX/XX/XXXX and a rep said theyd try to reopen the case. 

This was an imposter acting as a flight reservation - the situation of a reversal decision was that Citi heard back from the imposter and believed them over my very detailed description of what had transpired. It does not make any sense to have explained the matter to Citi, of which I did upon receiving a confirmation from XXXX XXXX with an email of XXXX which was not mine!!! I knew I had been scammed. 

I am at the mercy of Citi and their security and investigation department which has received my complete detailed information yet they reversed the charge and believes the imposter over me because they said I gave the imposter my information. 

Let it be known I have a Citi XXXX XXXX card.
Product: Checking or savings account

I used a promotion for US Bank and opened a business checking account using promotion code. As per the promotion - I was suppose to get {$300.00}. I fulfilled all the terms and conditions. But no {$300.00} cash back was provided even after the terms and conditions fulfilled. I called US Bank today and after being on the phone for XXXX minutes ... I was told some research/investigation needs to be done and then may be cash back bonus will be provided.
Product: Credit reporting or other personal consumer reports

I submitted a payment on XX/XX/XXXX to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXXXXXX XXXX. After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.
Product: Debt collection

My name is XXXX XXXX, I am filing this complaint on my own behalf. There is no third party involved. I have new and additional information regarding case # XXXX on GOLDMAN SACHS BANK XXXX On XX/XX/2022 the Affidavit of Truth, and attached supporting exhibits were delivered to Goldman Sachs BANK, per certified mail receipt # XXXX. Goldman Sachs Bank has failed to respond via affidavit, rebutted line by line within the allotted time period given : 10 days. On XX/XX/2022, I received a packet from Goldman Sachs Bank, postage dated XX/XX/2022. This packet included a Letter, and alleged consumer contract, with arbitration agreement, and alleged statements regarding said debt. The company, Gold And Sachs Bank has continued to violate me, by failing to rebut my sent and delivered Affidavit, sent and delivered XX/XX/2022. The company, Gold And Sachs Bank has continued to violate me, by failing to send ALL requested documents requested in my original validation of debt letter sent and delivered XX/XX/2022. On XX/XX/2022 Goldman Sachs Bank attempted contact to my personal cell phone. This violates me and progresses continued harassment regarding this alleged debt, after receiving a demand to cease and desist.
Product: Credit card or prepaid card

On XX/XX/2020, I noticed that there are a number of transactions on this credit card statement which are not authorized by myself. I called the Fidelity Rewards Visa and disputed the charges line by line. The fraud claim # is XXXX. The total was {$11000.00}. I was told that everything is taken care of and I don't need to worry. On XX/XX/2020, I noticed that all those charges initially credited are reversed back to debit to me. The claim has been closed and in the meantime, there are four more charges posted after XX/XX/2020 that are not authorized by myself. So I disputed on these four charges total {$1700.00}. The claim # is XXXX. I do not know the resolution on the second claim but for the first claim, I request to reopen the claim since these charges are not made by myself and and I should not be responsible for them. The reason to reverse the charges back to me which is eluded to me by the company 's representative is that they think I must have authorized the transactions since the physical card is still in my transaction and these card can not be compromised. I have to strongly disagree. Yes, I have the physical card with me all this time. But It did not translate automatically to that I must have authorized them. I know I did not. I have since filed police report with XXXX police Dept XXXX Officer XXXX case # XXXX. In those charges in question, there are charges made at XXXX XXXX and XXXX XXXX XXXX. I believe the credit card company should be able to find who checked in the hotel and whose membership are used along with the charges made at XXXX XXXX XXXX. I believe that these traces can lead to the person/persons actually committed the fraud and to find how they committed the fraud. Fidelity Should make them liable instead of me. If they can locate the person, it would also prove that there is something wrong with the system ( charges made without signature ) and it can be compromised. I just want Fidelity to reopen the claim and relieve me from the debt I am now in. Give justice to me and the society by going after the true criminal.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there is XXXX  XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had XXXX XXXX on my XXXX which i had to go back home for XXXX. the XXXX XXXX XXXX  and XXXX bank promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX XXXX XXXX also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 2018.
Product: Credit card or prepaid card

On XX/XX/, {$190.00} was withdrawn from my credit card by Bank of America. This was a credit balance from over paying what I owed as I had a fee reversed late in the previous month from a canceled flight transaction. I expected that it would be credited to my checking account where it came from but it never was, so I put a call across and was told to wait for some days before I get credited. 

Weeks and months passed, yet I did not get any, so I called several times and got varying explanations from different customer contact agents on the whereabouts of my funds. One told me a check was issued to my address and had been cashed, so I asked that a copy of the check be made available and details of the person who made it. I was asked to stay on the line and then was cut off. When I called again about 3weeks ago, I was transferred to the fraud dept who confirmed that no check was issued, but that they would send correspondence to the appropriate office to do the needful. She specifically told me that it was against banking ethics to : a. mail out a check to me without my consent and b. perform a debit entry without a corresponding credit entry ; which in this case should have been my checking account where all the credit emanates. 

Up until today, nothing has been heard from Bank of America, hence this complaint. Please, help me investigate this. If true that a check was sent to my address, I would like to get to root of who cashed it and how possible it was for someone other than me to do so. My account is always in credit at the end of my credit cycle, and this has never happened ; so why did they choose to take out my money at that time and that's the only time this has occurred. I don't think this bank can be trusted as I have been their very valued customer for years now. 

Please, help me get my funds back as you are my only hope. Thanks
Product: Vehicle loan or lease

my husband had 2 car loans with Chase Bank I have tried since XXXX XXXX  to take legal financial responsibility in order to properly insure both vehicles and add my name to car registrations. I have emailed and faxed all supporting documentation to the bank. I have also reached out via phone and their response is that it is against their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed since XX/XX/XXXX. The car was auctioned by Ford Motor Co. for {$10000.00} and FORD CREDIT should not be reporting to the credit agencies if my account is closed and the vehicle has been auctioned off over 2 years ago. 

The following details reported by Ford Motor Credit should be removed immediately : XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$76.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$76.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$70.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$110.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$78.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$76.00} All of the above information should be removed from my credit report and any reporting done in the year XXXX. The account is closed, the vehicle has been auctioned off and the vehicle was purchased by myself and my roommate, XXXX XXXX XXXX, who had agreed to pay half the car payment and half the insurance. He never followed through with his obligations and paid any of the money he agreed to pay.
Product: Credit reporting or other personal consumer reports

There has been an improper use of my credit report which shows some addresses and employer that I am not associated with. I do not have anything to do with the following addresses, irregular report of my personal information violated my consumer rights has none of this addresses are associate with me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX
Product: Mortgage

I am scheduled to close on a mortgage for a new home on XX/XX/XXXX. I haven't received an updated Closing Disclosure since the beginning of the loan process and have requested it several times. Since the beginning of the loan, the closing date has changed ( causing per diem interest to be owed ) and the appraisal has been paid for out of pocket by me. In addition, the escrow amounts have been adjusted. I need to know if I'll have enough funds for closing and am concerned. My requests for a new CD since XX/XX/XXXX have not been fulfilled. Instead, the loan officer and loan processor continue to say that they are awaiting further details in order to provide a CD,  like the HOI. This is minor and a CD can and should still be provided based on all the other changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payment and paid off all my credit cards. I spoke to the company and they assured me everything was good since I had made a payment plan due to covid. After I paid them off without notice they completely took down my credit limit, closed my cards and didnt report the payments to the credit agency. This has caused my credit score to lower a lot and no changes have been made. There action have greatly affected my score and I had spoken to the company and credit agency such as XXXX, etc and I was assured my credit score was fine and my standing with the company was fine and it turns out it was all a lie and now they don't want to help whatsoever.
Product: Debt collection

I have contacted repeatedly by creditors trying to collect debts owed by ex son in law, XXXX XXXX XXXX, XXXX XXXX is purposely giving my phone number out as his. XXXX is currently XXXX. XXXX is purposely giving my number out to harass my family.
Product: Mortgage

I lost my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the years XXXX to XXXX. The home was in the Town of XXXX XXXX XXXX XXXX, State of XXXX XXXX. Wells Fargo forced me into foreclosure XXXX XXXX  Bankruptcy. They consistently failed to provide me a loan modification. I am told I am part of a minimum {$24000.00} settlement. My name at the time was XXXX XXXX XXXX. I have since married and am now known as XXXX XXXX XXXX. The attorney for Wells Fargo, XXXX XXXX was cited for foreclosure fraud.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXXXXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to restore my credit after a Long span of trying to survive ... 

This loan was a predatory online loan taken out under stress ... 

After filing a dispute with XXXX  the predators jumped the loan from XXXX to over {$2500.00} on my report ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Called 21 times trying to fix addresses on my credit file.People that answered was rude and disrespectful to me.I had credit correct information correct to access file and still the agent would not let me correct fraudulent information on credit file.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premie - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Original Creditor : XXXX INQURIES BEING CHALLENGE : XXXX | XX/XX/XXXXXXXX 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 SXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the XXXX.
Product: Prepaid card

I was on XXXX got the card started using the card. Next thing you know notice that my money was disappearing I was getting you know never let the the car was letting me know that stuff is going on but I'll call the bank and told them that I wasn't spending any money. At that point I had to freeze my account. Because they wouldn't us XXXX  would not then from there they said they can identify me. My phone got stolen so a lot of things happen but now they now the bank has closed my account but now they can identify me I'm asking for help they tell me to call XXXX XXXX  won't pick up the phone. I need help