23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for FHA loan with CityWorth Mortgage about 3 months ago, and during the loan process I was very clear with them about my financial situation and how much monthly payments I can afford. They initially sent documents that shows monthly payments that are too high for me ( around {$1800.00} ) & I told them i will not be able to complete this loan process given that mortgage payments. They seem to help and send me the final closing disclosure that shows an amount within my financial limits ( attached document ). Therefore I decided to finalize the deal and we did the closing on XX/XX/XXXX. They transferred my loan right after that to XXXX bank, and I made the first two mortgage payments to XXXX bank as agreed on time. Few days ago, the XXXX bank sent me a letter indicating the original loan company made a mistake with taxes and I have Escrow shortage of {$2200.00} that i need to pay in cash, in addition, my mortgage monthly payment will go up to {$1700.00} assuming I paid the Escrow shortage before XX/XX/XXXX. I tried to resolve this with CirtyWorth and XXXX bank directly without luck. It turns out there are two issues that contributed to the Escrow shortage ; homeowner insurance was not finalized and the estimated taxes. I strongly suspect that CityWorth commit fraud by making the mortgage payments within my financial limits so that i finalize the loan process. Based on email communication between Cityworth and XXXX bank ( attached ), CityWorth did not account for all taxes when calculating the monthly payments ( even though all those taxes were stated clearly including their 2017 amount ) - The XXXX agent even pointed out in that communication that he is not sure why i was advised of such lower payments. I can not certainly afford the escrow shortage or the new monthly payments. This situation add tremendous amount of stress to my small family including my XXXX wife.
Product: Checking or savings account

In XXXX of XXXX I made a dispute with chime about transaction that I didn't authorize XX/XX/XXXX of XXXX, from XXXX, XX/XX/XXXX of XXXX from Ask mode and XXXX XXXX for XXXX I was denied for my dispute for these transactions but not giving me a reason why XXXX lady had told me it was for groceries bought in XXXX XXXX which I live in XXXX XXXX XXXX and never got any information even though I kept pursuing the matter now here it is XXXX of XXXX and I had another dispute for chime on a charges from XXXX and the date started on XXXX XXXX charges totalling XXXX I was giving a credit back of XXXX dollars and with my card blocked and the company blocked they were still able to remove funds from my account I have had XXXX rebuttals in which I was supposed to get my money back on the XXXX of XXXX when I received a email stating that I will not receive any funds due to their dispute team said found no unauthorized transactions, in which they received a police report and document from XXXX statements saying I don't have a account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to get USAA to stop reporting incorrect information to my credit report for months. They are reporting four accounts they have cancelled the contract for ; {$1900.00} was cancelled on XX/XX/XXXX, {$9500.00} was cancelled on XX/XX/XXXX, {$10000.00} was cancelled on XX/XX/XXXX, and {$4400.00} was cancelled on XX/XX/XXXX. They have since reported these same four accounts as outstanding late/derogatory accounts on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to contact them and they will not access my accounts without me bringing my accounts current which is counter intuitive to the issue I am trying to resolve.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. Truist Bank is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said XXXX.
Product: Vehicle loan or lease

This was a five-year loan that has come to an end. I am XXXX as a senior citizen and must have missed five payments during the five-year loan. I tried to pay but they refuse to allow me within my portal and talking about repossessing my car for {$700.00} due. Instead of allowing me to pay they simply say call. I do not trust them for an over the phone conversation. I fail to see why I can not pay using my company provided portal. Part of the problem in the past was this portal. This is harassment and I have all the emails including pages of them telling me I was aware of this five years ago when I signed the contract. I am XXXX XXXX XXXX ; I can't remember what I did last week,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX XXXX and contains erroneous details that do not reflect my financial history accurately. 

Balance Issue : Collections accounts should not have a balance. This account is currently showing a balance, which is incorrect.

Open Status : Collections accounts are not supposed to be listed as " open ''. This account is inaccurately listed as such.

Missed Payment : This collection is reporting " Missed Payment '' on my report. This is utterly wrong. 

No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. 

XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, you are required to investigate the disputed information. 

I urge you to take the following actions promptly : Investigate the inaccurate information. 

Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 

Correct my credit report accordingly and provide me with an updated copy. 

I expect these corrections to be made within the XXXX period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Credit card or prepaid card

I 've had identify theft for 2 years ( approx ) ... I believe related to the XXXX XXXX breach. I 've had multiple attempts through Bank of America to take out new credit cards, etc. I 've called Bank of America multiple times ... they tell me its all fixed and the card is cancelled ... and then it happens again and the card was never closed the first time. This is the third time now that I 've called them saying that I have a credit card and I 'm quite certain its the same card that never gets closed. I have no idea what to do to make sure that I have no accounts with Bank of America.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). Account is XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX an account showed on my credit that belonged to someone else and not myself. I have tried to have it removed since. The debt has since been paid by the person that owed it but it still shows as a collection on my report.
Product: Credit reporting or other personal consumer reports

This was my follow through complaint for the removal of these inquiries and incorrect personal information. Per FCRA section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries posted to my report. Here is the list of items that were opened without my permission : 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 DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX -- -- -- -- -- -- XXXXTRANSUNION : 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. According to FCRA Section 605B ( a ), the credit reporting agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, no later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed > Public record reporting/ with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Checking or savings account

In XXXX, a series of 17 hard-to-detect ( not high enough to raise my online alarm ) amounts of money were taken systematically from my accounts with Wells Fargo ( between the dates of XX/XX/XXXX and XX/XX/XXXX ). I was in the middle of a job shift and merging accounts with my new spouse, and in the transitions we did not notice for several months. By the time we did, the amount tallied up to {$5900.00} When I discovered the accounts were rapidly depleting, I made a call to Wells Fargo requesting the reimburse the funds stolen, since the account was insured by policy, and they agreed to look into the incident and fill the account with a temporary allowance till the matter was resolved. When the situation was resolved they agreed to return the remaining difference indefinitely. 

On XX/XX/XXXX, I received a mailed response from Wells Fargo stating they would not return the funds insured, because they were convinced the funds went into an account that belonged to me. When I sought legal counsel, Wells Fargo froze the account, not requiring payment, but seemingly adding interest to what they claimed was owed. When I asked they would not look further into the incident. My legal counsel requested that I ask for the name of the employees or office that confirmed the account my funds were transferred to ( i.e. stolen from ) belonged to me, but when I requested this information it was withheld.
Product: Credit reporting or other personal consumer reports

New Jersey State Law states Collection Agencies must be bonded in the state. When a collection agency named XXXX XXXXXXXX XXXX XXXX called me from Michigan, I asked for their XXXX  XXXX  XXXX  license number and was hung up on. XXXX days later I found the collection on my credit report and notified Experian that XXXX XXXX XXXX was illegally attempting to collect a debt as they are not licesed or bonded in my state. XXXX was did not care or respond and left the unlawful item on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I had credit wise from XXXX XXXXXXXX, I do have access to my credit report and I noticed that I do have an unusual activity in a Santander USA for a car loan that I am not did it at all, the date of the issue is XX/XX/2022. I am totally clear that I do not process any of it. So that makes me think that some one that could it be a family member co habitant that have access to my personal information used my social security to add and miss used my credit that its already messed up. The only person that I think may use it its my father in law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to report concerning practices by EnerBank USA, encountered during a home improvement loan application process initiated on XX/XX/2023, in partnership with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.

The application was initially marred by a website error at XXXX XXXX and XXXX, leading to an incorrect default selection about property ownership. Despite this, I diligently completed the application and complied with EnerBanks subsequent request for additional documentation to verify ownership of my property. 

In response to their verification process, I submitted multiple documents, including a warranty deed and a notarized letter from my closing attorney, both affirming my property ownership. EnerBank rejected these as insufficient and requested my complete closing disclosure. Concerned about privacy and potential identity fraud a past issue for me I provided a redacted version of the disclosure, excluding non-essential financial details such as loan amounts and interest rates. EnerBank, however, did not accept this and demanded the unredacted document.

Additionally, EnerBanks suggestion of using my property deed as collateral for a mere fencing loan was both alarming and disproportionate. This approach is not only impractical but raises questions about EnerBanks understanding of appropriate collateral for such loans. 

These experiences the rejection of legitimate documentation, insistence on extensive financial information, and inappropriate collateral demands highlight potential issues in EnerBanks application processes, customer privacy considerations, and data security.

I am seeking the CFPBs review and intervention in this matter to address these concerns with EnerBank. Their practices in this instance seem to deviate from reasonable standards of customer privacy, data security, and loan collateral requirements. 

I appreciate your attention to this matter and look forward to a solution that ensures the protection of consumer rights and the adherence to fair lending practices. 

Thank you for your consideration and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent dispute letters via certified mail to all 3 bureaus. On XX/XX/21 I followed up with a demand to comply letter, again sent via certified mail. To date, I have not been notified in regard to any of these accounts. According to the FCRA these accounts must be removed immediately from my consumer report. I XXXX XXXX am submitting this complaint, not a 3rd party. Thanks!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 XXXXunt Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by ABR Recovery Services. I had received neither phone calls nor written notice of this debt owed to XXXX. I have never had any business with XXXX. This is not my debt. I called ABR recovery services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from XXXX, the original creditor. I reached out to XXXX and they assured me that this wasn't my account and I have ties to this account. I attached a letter from XXXX stated that I am not affiliated with this account in no fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not disputed anything since XXXX. I called equifax beginning XX/XX/XXXX to take any dispute information out if credit report as it was keeping me from closing escrow on a home. They started a dispute, exactly the opposite of what I told them to do. I have called five times in four days to get it removed. They still have not.
Product: Student loan

Directed to obtain Deferments or Forbearances causing the interest attached to the original loan to be almost as much as the original principal. 
Original Loan Amount : {$50000.00} Interest and Late Fees : {$37000.00} Total Owed ( so far ) : {$87000.00} I was mis-informed and ill-advised on my student loan. After numerous years of deferments and forbearances. These are " loan Shark '' rates. 
Additionally, when Navient took over for Sallie Mae, there must have been some type of miscue because according to Navient I was delinquent several times which in turn was reported to the Credit Reporting Bureaus. This is a result of the switchover, not me.This is causing harm. I was appling for Deferments and Forbearances, even though ill-advised, there is no reason for the delinquent reporting. It is an error on the new Navient servicing company. 
Conversations on XX/XX/2020 both in online chat and the telephone with Navient representatives proved unfruitful. I requested to that late charges of {$780.00} be removed and the erroneous reporting to the CRB 's be updated and removed. 
The remedy I seek currently, eliminate interest charges, late fees and restore my good name on my credit reports. There are other issues I will take up at a later date.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there are 7 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I was informed of an equifax security breach. It was stated that " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year. '' After following the steps to find out if I was one of those affected, I set about trying to prevent the theft of my identity. Without my given consent, Equifax allowed my information to be taken and made public.
Product: Checking or savings account

Hello. We are victims of wire transfer fraud for down payment on a home. Our mortgage lender sent us fraudulent wire transfer instructions to make a down payment of $ XXXX. We sent two wire transfers to a Chase bank account for a person that was imitating a title lawyer. We have reported the wire fraud to our banks and Chase as the receiving bank account and opened a police report. We want Chase to take action against our claim immediately.
Product: Mortgage

RP Funding is reporting customers in CARES act forebearance as late and delinquent on credit reports in violation of cares act. RP Funding has refused to correct
Product: Student loan

Non sufficient fees charged onXX/XX/XXXXand XX/XX/XXXX for XXXX each in fees. Payments were XXXX. I had enough money in bank account to cover payments. Bank has no records of non sufficient funds during the entire time of the loan. Tried to work out with company by sending bank statements via email on XX/XX/XXXX, but i was told its been too long over the phone, and no reply to email containing statements. Also the interest paid is too high as the loan was paid off in 8 months and I paid XXXX total. The loan was for XXXX at 10 % interest