23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I want to make a complaint When me and my Fianc we applied for the mortgage to be 4 %, not 6 % also I said I did not want the payment every month for a day 1 I contacted to change and it's not possible, also I contacted because the bank charge fee because the mortgage company did 2 charges in the same month in my account and I don't have enough money, The company is terrible and the customer service didn't help me and lie about the APR. If I refinance with another company, I need to pay fees. I will sue the company for all the damages I have. Account number XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX FL, also almost my insurance was canceled because the mortgage did not make the payment here is the information. 

We are not able to refund or pay any fees that are not the fault of the mortgage servicers. You set up both payments. There is nothing we can do but wait for one or both payments to be rejected by your bank. You can try to have the bank reject them proactively, if you would like a reversal sooner.

Is there anything else I can advise on today?

here is nothing we can do on our end to reverse the payments while they are processing. I apologize for any inconvenience this may cause. 
XXXX - XXXX XXXX I dont have money You- XXXX XXXX  If the funds are not available they will be reversed in a few days, but if you would like the payments rejected sooner, you will need to to through your bank. 
XXXX - XXXX XXXX I need pay my bills XX/XX/XXXX Multiple Payments {$4200.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Mortgage Payment {$2000.00} XX/XX/XXXX Multiple Payments - {$200000.00} Dear XXXX and XXXX, Your home insurance policy payment is past due and the policy is about to be canceled, can you please contact your mortgage ASAP so they can overnight payment? 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Direct Phone : XXXX Fax : XXXX License # XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was denied for bank accounts, Credit cards & loans
Product: Debt collection

I was issued a ticket for not having an inspection by XXXX XXXX, VA. I paid the ticket. NCC keeps calling and harassing me regarding this debt after I disputed the debt and have repeatedly told them that it has been paid ( and I have verified this with XXXX XXXX ). They will not stop, they tell me that I need to provide proof to them that the debt has been paid, I told them to verify with XXXX XXXX, who they are collecting for, that I am not comfortable providing financial information to a company I am not familiar with.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Yes I am a chime member and my time card has been compromised three times I've had three sets of charges charged for my card where I file disputes they refused to help me they allowed someone to open up a time credit builder card in my name charged over {$2500.00} with no credit limit they took my social security check and paid some of it told me to follow dispute I follow dispute they did not even look at it they just automatically marked as they won I have tried to get them to help me on all of the stolen credit card information that I had they would not help me this company is not only is it sorry it is nowhere near like it's supposed to be
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Reporting Disputes XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Re : Formal Dispute of Items on XXXX XXXX  To Whom It May Concern, I am writing to dispute the accuracy and validity of the items currently listed on my Early Warning Services ( EWS ) report. Despite submitting multiple prior disputes, several fraudulent or inaccurate items remain, even though some entries were removed. The removal of certain items is a clear indication that inaccurate or incorrect information was originally reported, compromising the integrity of the entire report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an accurate consumer report. EWS is required by law to ensure that any information provided is both verifiable and authorized. Section 611 of the FCRA obligates you to conduct a thorough investigation of all disputed information and delete any unverifiable data within 30 days. 

Despite repeated requests, I have not received documentation verifying the legitimacy of the remaining items. Under FCRA 609, I am entitled to all information in my file, including the source and supporting evidence. Since you have failed to provide this information, the continued reporting of these items violates federal law. 
The following disputed items are still active on my report and require immediate deletion : XXXX  XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX Since prior deletions demonstrate that inaccurate data was being reported, I request the following actions : 1. Immediately delete the remaining inaccurate, incomplete, or unverifiable items from my XXXX XXXX 
2. Provide written confirmation of the deletions and the updated status of my report.

3. If you maintain that any of the information is accurate, I demand that you provide me with complete supporting documentation and evidence for each entry within 15 days.

Failure to comply will result in further legal action, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages as allowed under FCRA 623.

I expect a resolution within the legally mandated 30-day period. Please send all future correspondence to the address listed above or to my email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

My wells fargo senior banker suggested I apply for a Bank XXXX credit card that rewarded cash payback if I spent a certain amount over a specific period. Note I currently have XXXX XXXX and Bank XXXX XXXX cards. Since I had inplace a XXXX XXXX my bank asked me to temporarily lift the XXXX in order to review my credit to issue the new XXXX card. I therefore notified XXXX and XXXX Both Credit agencies immediately honored my request without delay and initiated temporary lifts. However when I telephonically contacted EQUIFAX on XX/XX/year> provided their Agent XXXX XXXX my answers to all his questions re my identity he said the system was showing an ERROR msg.. Agt. XXXX then sent my cell phone an invite to EQUIFAX which he had me photograph the front & Back my Drivers XXXX. & Social Security XXXX, I did he said he received the photos and he again told me their system came back again with an ERROR. XXXX XXXX instructed me I had to XXXX MAIL the copies of said documents to EQUIFAX. I did XXXX Mail the req. documents to EQUIFAX. Since my life long Credit has been XXXX, I asked to speak to a Supervisor, XXXX XXXX she came on the phone insisted there was no one higher up who could help my issue and I had to Mail them the Documents which I did. On XX/XX/year> having not heard back fr EQUIFAX I called them again. Agent XXXX took my call, I explained the situation, I provided again all my ID he requested again the Agent came back on advised still could Not lift my Freeze and could Not tell me what or where was my Copies of the ID I mailed Equifax that they requested. XXXX XXXX also told me there was nothing they could do to LIFT my Credit Freeze. This failure by EQUIFAX and without any explanation Or alternative not even referring this matter to higher EQUIFAX ranking individual is prevententing XXXX XXXX From issuing me a new Credit Card. I have No idea what future effect or damage to my Credit This EQUIFAX so called ERROR, on the part of the EQUIFAX Credit Reports will have on any other credit checks. Because of EQUIFAX I can't even get MY OWN Security Freeze temporarily lifted, Obviously if XXXX and XXXX had no problem temporarily lifting the Freeze Something is drastically wrong at EQUIFAX Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two children who have received student loans several years ago. I have no recollection of having co-signed any of these loans. XXXX XXXX  sent me a statement several years ago stating I owed on some student loan. I disputed that and requested proof of my obligation that showed my signature. They never did. Three times since then I have been contacted by collection agencies. In each case, I disputed the alleged debt and demanded proof that must contain my signature. None of the agencies responded. I never heard from the first two agencies or XXXX XXXX  again. 

The latest, ATG Credit, reported me as delinquent to the credit bureaus. They never responded to my dispute with the 30 days required by the FCRA. 

The agencies and dates I responded are : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. As a victim of a data breach, I did not authorize the following accounts or inquiries, and they were added to my credit file without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these items be investigated and removed promptly.

Fraudulent Accounts : XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$26000.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$2500.00} Fraudulent Inquiry : XXXX. XXXX XXXX XXXX  - Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have two issues with ALLY bank. They denied two transfers that I requested from my brokerage account. The first transfer was from an automated portfolio. I attempted to contact them about it and they said that they denied the transfer because the funds hadn't settled. Unfortunately, I am unable to place trades in the account because it is a managed portfolio, so if they deny my ability to withdraw funds that aren't settled then it would be impossible to withdraw the funds. They need to liquidate the account and then transfer the funds after 2 days. Denying the liquidation gives me no options. 

Next, they denied my ability to remove XXXX dollars from another account of mine. They stated it was because the funds are not settled, but the issue I am having is that their web interface explicitly stated that the funds were available for withdrawal on the day that the transaction was denied. I attached the screenshots to this complaint.
Product: Vehicle loan or lease

Falsely arrest and voluntary reposed the vehicle sued a major store
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, I the affiant is aware that and has proof XXXX, Equifax, and XXXX have violated my consumer rights. I the affiant am being violated by law 15 usc 1681g and 15 usc 1681g ( a ) ( 1 ). On Sunday XX/XX/2021 around XXXX I tried to get my 3 free credit reports, 3 free investigative consumer reports, and 3 free credit files but was denied my request. Also, I have made additional efforts to reach out and send a letter to " ANNUAL CREDIT REPORT '' certified mail and notarized it aswell on XX/XX/2021 around XXXX. I am askingthat you help me with this inconvenience and frustration I'm having receiving my request. Please and thank you very much. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Barclays bank. 
It was charged off in XXXX with a balance of {$2000.00}. 
I reached a settlement with them for {$910.00} which is supposed to be paid by XX/XX/XXXX. 
I sent a check for {$910.00} which they received by XX/XX/XXXX and it was posted to account on XX/XX/XXXX. 
According to the agreement, " As of the date of this letter, your account balance is {$2000.00}. Once receipt of the agreed settlement amount of {$910.00} by XX/XX/XXXX ( plus an additional 15-day waiting period to validate funds ) is confirmed we will consider your account balance settled- for an amount less than the full balance - and will send an update to the credit reporting agencies '', they didnot update my credit reports accurately. 
On XXXX, they updated my credit reports saying I made the payment of {$910.00} and remaining {$1100.00} as still balance on the account instead of reporting settlement and making the balance XXXX according to settlement agreement. 
This inaccurate reporting is affecting my account status utilization ratio and thus affecting my credit score adversely. 
I reached out to Office of the presidents, Barclays for resolution but there is no resolution after two weeks of initiating a complaint with them. 
If they don't respond to this complaint and update my credit reports accurately by reporting a settlement when it was completed back in XXXX, I will bring a lawsuit against Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to notify you about some inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following fraudulent items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts, please delete Incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX OH XXXX
Product: Vehicle loan or lease

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties FIFTH THIRD BANK, NA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Opened : XXXX XXXXXXXX XXXX Amount : XXXX 


FIFTH THIRD BANK, NA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Opened : XXXX XXXXXXXX XXXX Amount : {$54000.00}
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 606 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 conv
ictions 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: Credit reporting, credit repair services, or other personal consumer reports

I received a alert on my experian credit report and I called them this afternoon and report a fraudulent address and a fraudulent account on my credit report and they refused to remove the address and that fraudulent account off my report and told me to contact the XXXX to remove it and I try that and they refused to assist me and I send in police reports and other documents to prove that I dont live in that address and experian is very slow with there investigation and kept that account remains and that fraudulent address on my report ...