23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX Dear Sir/Madam, I am writing to dispute the inaccurate and incomplete reporting on my credit report, which I obtained from your agency. After reviewing my credit report, I noticed several discrepancies in the reporting of late payments on my XXXX account. These inaccuracies are in violation of my consumer rights as outlined in 15 USC 1681. 
Account Information : Account # : XXXX Account Type : Mortgage Bureau Code : Individual Account Status : Open Monthly Payment : {$1800.00} Date Opened : XX/XX/XXXX Balance : {$270000.00} No. of Months ( terms ) : XXXX High Credit : {$280000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Discrepancies : 1. Late Payment Reporting : The credit report indicates late payments on my XXXX account, which are inaccurate. I have never been late on my payments. The reporting of these late payments is misleading and does not reflect my creditworthiness accurately. 
2. Incomplete Reporting : The reporting of late payments lacks detailed information such as the dates of the alleged late payments and the amounts overdue. This incomplete reporting makes it difficult for me to address and rectify the issue effectively. 
3. Missing Information : The credit report fails to provide any specific comments or explanations regarding the late payments, further complicating the matter and impeding my ability to dispute these inaccuracies. 
4. If you noticed your reporting is inconsistent with Equifax and XXXX. Its being reported correctly in the other two credit bureaus as on time/Pays as agreed I request that you conduct a thorough investigation into these discrepancies and promptly remove any inaccurate or incomplete information from my credit report. Additionally, I expect to receive a written response detailing the results of your investigation and any actions taken to rectify the errors within the time frame required by law. 
Please be advised that I am prepared to take further legal action if necessary to ensure that my consumer rights are protected and that my credit report accurately reflects my credit history. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX XXXX
Product: Mortgage

I applied for a purchase of a condo back on XX/XX/2020 with Wells Fargo, at which point my loan officer stated that I was pre-approved. After going under contract and submitting all my income and asset documentation in Wells Fargo advised that now all of a sudden their guidelines have changed and they needed more of a down payment I liquidated my stock assets to show them more funds available for me to put down and provided them with that information also. Then they sat on my loan for over 2 weeks with no updates or communication and advised me on the Day that I was supposed to close that now they are not going to be able to approve my loan. Causing me to loose XXXX in earnest money, along with the loss i took on the stock liquidation in order to show them the additional funds they requested, along with the lost appraisal fee of over XXXX. I called and made a phone complaint about this to Wells Fargo executive office, they stated my case would be assigned to someone and I would be receiving a phone call and No One ever called. I called again later after a week to check on the executive complaint status and I was passed off to a branch manager. I am now going to the CFPB so my complaint can be routed to the appropriate party.
Product: Credit card

I found out in XXXX that I was being charged a fee card security by Paypal that I had no idea about since I opened the credit card in XXXX. 
It was well hidden so that you don't see the charge on your transaction and I often time looked, and I managed to see this fee that has been applied to my account when I downloaded my credit card account statement. 
Important to say not once was I notified of this service, else I would have cancelled sooner. 
I requested a refund because I never signed up for this Card security with PayPal credit card and I was informed Its past XXXX per their terms and conditions. 
This is a lot of fee I have being paying without my consent and knowledge. Please help in getting a Refund
Product: Mortgage

My bank : SunTrust merged into Truist. 1-1/2 years ago. I had an interest only HELOC. Until XX/XX/XXXX, payments went to where they were supposed to ( using app- or online service. ) From XXXX to XXXX payments to interest only, could only be made by calling loan department, ( not online or app ) XXXX payment, I had to call Truist loan company to make. Truist loan dept, tried to make it interest only payment - but system no longer acknowledges that type of payment. After 6 calls, & attempts to backdate payment, ( & a trip to the XXXX XXXX XXXX ) reverse from principal only to interest only, they were unable to accomplish. 
My account now is listed as not paid for XXXX, & I can not pay the XXXX payment. I am told by Truist there is nothing that they can do. [ ( There is an original problem with the merger that they opened a whole new HELOC- in addition to my no-interest- which they added fees onto ) My original XXXX loan- was that charges ( eg. Insurance ) be added to existing HELOC balance.. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another bureau for which, when I attempt to use XXXX to get my free annual credit report as mandated by law, their website shunts and orders me to send in a mail form and has done so in the past.
Product: Checking or savings account

I was part of the XXXX XXXX scam. They slammed my account for a total of {$610.00}. They bank investigated and I was refunded {$100.00}. I have been with Regions for a considerable amount of time and have never has this to happen to me. I provided a lot of information and even contacted them by phone on the same day that it happened. The person on the line, reassured me that everything was going to be okay. No, it was the start of my nightmare. I provided them all of the information that I could. My XXXX son banks with XXXX XXXX XXXX XXXX and was refunded the money bank into his account. I even gave them all of this information but I am still to see the remainder of my money back. This money was set aside for a vacation at the end of the school year for my XXXX XXXX XXXX. That fell through. I am afraid to place any type of money in their now. They could look at my transaction history and this was out of the usual for me.
Product: Credit reporting

I have disputed the XXXX XXXX XXXX on all XXXX of my credit reports, since they were included in my Chapter XXXX Bankruptcy, and the Credit Union refuses to acknowledge that my account should be removed from my report ( It has been over 7 years ). Experian is the only bureau to refuse to remove it until 2018. ALL proof of my bankruptcy has been removed, but they said they would not remove it. I was warned by my attorney that the XXXX XXXX XXXX would deliberately attempt to create issues for those who have had to declare bankruptcy. Unfortunately he was correct. I have spent months cleaning up the discrepancies caused by the Credit Union, with only XXXX issue not fixed ; Experian 's report. Can you please ask Experian to co-operate and remove all the derogatory information from my report? I have been current on all my accounts for over 7 years now, and I very much would like to clean up my credit totally and move forward with our lives, financially. Thank you very much.
Product: Mortgage

I live at XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. On XX/XX/XXXX I did refinancing on my current home, with a program called lending to heroes, rep for company at the time XXXX XXXX XXXX who came to the XXXX XXXX in XXXX XXXX, SC closing attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX, phone # XXXX is one of the addresses.The bank was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX there were XXXX payoffs {$15000.00} to XXXX XXXX XXXXXXXX for vehicle and {$240000.00} to Wells Fargo XXXX XXXX never paid Wells Fargo From that time up until XXXX he was communicating with me by phone and email ( I have some ) he stated that Wells Fargo credited the payment to someone elses account and they were trying to get the matter fixed, as I would get statements from Wells Fargo showing that my account was behind he would email me saying still working on at one point he stated 30-60. Someone would go into Wells Fargo and make payments periodically at one point he wrote a check for {$1700.00} ( I have a copy ). XXXX XXXX has since been disbarred even after he continued to communicate with me no one contacted me about his disbarment and that my files were turned over to a receiver appointed by the judge Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,, XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX, XXXX, have email communication with him as well who never contacted me and who still has my files I dont want to request because Im not sure what happens legally after that. I currently have a current never missed a payment VA loan with XXXX XXXX now my home is in foreclosure and they are asking wanting me to to get caught up on loan and start making mortgage payments when I stop hearing from XXXX XXXX I thought everything was done until I got serve later part of XXXX it was then that I contacted and hire and attorney to fight the foreclose the {$29000.00} + was the settlement due XX/XX/XXXX. I contacted the XXXX XXXX and they sent me a check for {$40000.00} the XXXX Ive also contacted then for attorneys to help me with XXXX XXXX none has been willing to assist because they client ratio is high or they will not call back, or he may not have anything. Please help me how is it possible for this to happen and there to be XXXX VA loans on one property. I have been in contact with the XXXX XXXX VA loan guarantees services, she said there was a moratorium on VA foreclosures until XXXX. Again please help Ive XXXX XXXX XXXX years total in the XXXX. I have proof in writing of certain things. Thank You
Product: Checking or savings account

this bank at Wells Fargo here in XXXX Georgia went into my account not once but twice said that I made a reservation with the XXXX XXXX XXXX XXXX Georgia and I didn't money was taken out of my account and was not putting that I sent the information to Wells Fargo when I did travel to XXXX Georgia what hotel that I used and they still did not put money in my money back into my account Wells Fargo went into my account twice and took money out when XXXX was {$110.00} and the other fee was {$100.00} and they did not put my money back into my account and I sent them the credit card and the information from the hotel that I used in XXXX Georgia when I went there I did not make any type of reservation with XXXX XXXX XXXX   XXXX this Bank accused accused me and how can a bank accuse you of doing something like that and I told him I did not stay there I told them this was fraudulent but they still didn't I quit my money 's dad even though whoever use my my information got my information from that bank I have had many problems out of Wells Fargo
Product: Credit reporting or other personal consumer reports

This is my XXXX  attempt to get my name corrected on my TransUnion credit report. TransUnion continues to show me as a XXXX, and I am not a XXXX. This gets corrected and then reappears on my credit report a few weeks later.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Experian and XXXXXXXX XXXX XXXXXXXX account 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 instruction. 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 instruction. In accordance with the Fair Credit Reporting act XXXX XXXX account 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 instruction.

This debt has not been validated by the debtor. I have no proof/validation that this debt belongs to me. This debt has been disputed and removed by XXXX ( see attachment of this ). XXXX reached out to the debtor and they were not able to validate and therfore removed it from the credit bereau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/20. 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

I have few accounts with wells Fargo including a cridet Card and mortgages accounts. 
the bank mixes up the payments an apply to the wrong account many times. 
then they refuse to help and order me to make calls to diffrent department and stay on hold to fix thier mistak. theu are very unprofessional when they responed to my complaint. 
and give me lots of hard time and wast hours of my time pushing back on the issue instead of resolving it.
Product: Checking or savings account

Yes I have been inactive in my account and unable to withdraw my account with errors on my credit report XXXX XXXX XXXX and and tax collection cases updated and profiled our support team reported the IRS and funded my account to my beneficiary and allocated payments to the bank and put my account on hold I asked them to review it at the IRS and was a scam said we ID theft the bank and used it to compromise my account and left me to uphold the account in forgery in my claims I asked to regain access to my account and she said needed a officer to verify the theft and bring in the forms with my reason for obtaining the documents. I can not activate my bank account and looks like I made a payment to the bank in transaction on hold that were confiscated in a tax lien which has been sent to the IRS XXXX form tax collection without due process of collection form also asked to come in the XXXX to tax office and collect the documents on file with my XXXX x tax papers form for XXXX and XXXX. I have not been paid and have been waiting for the bank to complete operations on my check and finance my payments.
Product: Debt collection

I continue to receive calls from a 'debt collection agency ' using the number XXXX. They claim that I have an outstanding debt and they are charged with collecting it. This is simply not true. I have refused to answer the phone and have taken steps to block the call and do have my number registered on www.donotcall.gov. I have gone online and have learned that others have similar complaints. I would like for the FTC to investigate this company for consumer fraud since others may fall victim to this scheme and so that they will stop harassing me.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I ha
ve never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Student loan

I attended college, earning a XXXX degree back in 2001. I 've been making payments on my loans ever since with the exception of a couple periods of forbearance when I was having a hard time financially. It is now 15 years later and I am still making my monthly payments on time every month ( $ XXXX/month ) and my total balance is INCREASING due to interest. I can not afford to make bigger payments and every time I call the company, they will not help and threaten to take the money from my paychecks if I stop paying. I 've never threatened to stop paying. I just want the obvious problem fixed. I think that most of my loan could have been paid off by now. I have suffered immense stress over this issue. I can not save for retirement and every month that I make a payment is like throwing {$290.00} in the garbage. I feel that this is a case of predatory lending. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed in form to to get the XXXX free credit reports. I have only received XXXX from XXXX. XXXX sent me a postcard asking for more documentation in XXXX. I sent them the requested documents immediately. I received nothing back from them and I've received nothing from at all from equifax.
Product: Checking or savings account

I opened a Citi Checking and Savings account online with the following promotion on XX/XX/18 : ( Open a new checking and savings account in the Citibank Account Package Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. 
Get {$400.00} deposited to your account! ) I have deposited the money into the accounts on XX/XX/18 and maintained the balance for over 60 days, therefore I fulfilled the requirements on XX/XX/18. 
However, the {$400.00} bonus was not ever credited as of XX/XX/18. ( I noticed that the savings and checking accounts are not linked together in the system, possibly messing up their records ) After numerous calls and online chats ( at least 10 times and 8+hours ), the company opened a case ( # XXXX ) to investigate on XX/XX/18, and then proceeds to tell me to wait 48 hrs for a solution. After 48 hours, I called Citi again, and the Rep proceeded to tell me to wait 45-90 DAYS for a resolution! After this outrageous call, I decided to file the compliant with CFPB.
Product: Credit reporting or other personal consumer reports

Upon checking my credit file, I am still seeing the items Currently Reporting on my XXXX, XXXX and Experian Credit file and reporting derogatory information. Please note, the letter attached to this complaint file contains instructions for each bureau regarding this issue. Please adhere.
Product: Debt collection

I was sued by a company name complain was from XXXX companies- then name change to XXXX XXXX, a few years back, I did not know anything about it, until they garnished the money I had in my saving and checking account ( XX/XX/XXXX ) it seems my debt was from a few years back approximately XX/XX/XXXX-XX/XX/XXXX, since my money was taken from the bank account, I had being in communication with Nelson & Kennard at attorney at Law, I had being making payments, after a few years making monthly payments ( {$25.00} ) the amount it seems to keep going up instead going down, also they informed me the money that was taken out it was only use for the court, so I have to pay my debt, which I do not know what is for, even do I had try to speak with some one at nelson & Kennard and requested an statement about all payments to the account, original amount and why is not going down instead is going up, I get the run around, My English is not perfect, so is hard to communicate with them, until today no one has being able to help me, until I had to reach out a tv station in my area, and they gave me your information, I asked my daughter to place my complain on line, I am attaching all the information I have through the years of payment and only letter received from this company, if you have any question you can contact XXXX XXXX ( XXXX ) XXXX ( If is possible I would like a Spanish peaking representative
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am filing a complaint about an entry listed on my credit report for XXXX  and TransUnion, which is a public record, XXXX, which I have tried to have disputed three different times, which was first on XX/XX/XXXX, the second time was on XX/XX/XXXX, and on XX/XX/XXXX, and now disputing for a XXXX time. The XXXX came off but was re-inserted back on the credit file. Apparently someone with a similar name to mine filed XXXX in XXXX UNITED STATES XXXX COURT, XXXX XXXX XXXX XXXX for {$0.00}, and it is appearing on my credit report. After contacting the XXXX Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any XXXX  cases. As you all know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it permanently, immediately.
Product: Vehicle loan or lease

We purchased a used Harley Davidson motorcycle in XX/XX/2016. I have often signed into my online account with Harley Davidson Financial and scheduled my payment for a date later than the due date. I do this prior to the date the payment is due. Well, the due date is the XX/XX/XXXX ... ..starting the VERY NEXT DAY, I begin getting multiple calls every day asking about my PAST DUE account. Every time, I tell them to check my account ; I have scheduled the payment for later. Every time, they ask why. Every time, I tell them it's because of how my paychecks fall. My scheduled payment is normally 7-10 days after the due date, so it's not like I am skipping a whole month 's payment or anything. I just don't understand why they have to REPEATEDLY call me when they can plainly see I have scheduled the payment. They have no leg to stand on anyway, as my personal banker explained to me that even if they say there is no " 10 day grace period '', by law there is one. They are not supposed to call you until that 10 day grace period is up, but regardless, I have a scheduled payment. There should be no calls to my work or cell phone, much less multiple calls every single day until the scheduled payment has been made.