23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The credit bureaus stated my accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is that possible when between the three credit bureaus there are still different open and close dates , credit utilization, wage garnishment from a debt back in 2008 and total debt overall inaccuracies? Those inaccuracies are grounds for removal, compensation, and are still violating my rights under 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.

Also according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.
Product: Mortgage

We were having financial issues trying to make payments when covid hit. At this time we just had opened up a new small business that we were trying to keep the doors open to. We called the mortgage company Wells Fargo to have our payments put on the back end of the mortgage. Before XXXX we had a payment of {$1300.00}. with an interest rate of XXXX with a maturity date of XXXX. We unfortunately could not get ourselves caught up to there standard. We were trying to get to good standings with them. Wells forgo had sold our loan to a company XXXX  that we could not even get a payment set up with them. They wanted use to pay almost {$40000.00} to them before they would make payment plan. This was the {$40000.00} that should have gone on the back part of the Wells Fargo mortgage. Our house went into pre foreclosure. Now as of XXXX our loan is serviced by XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letters to XXXX, TransUnion and XXXX on XX/XX/2022. 



Its been well over 30 days and I still havent received anything back. 



According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, TransUnion and XXXX have 30 days to respond to my dispute. 

This is a Violation of my Rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve the matter at hand with Experian multiple times. Experian has knowingly furnished inaccurate information on my consumer report. Experian failed to investigate my dispute and for that reason inaccuracies are still on my report. There are a multitude of transactions on my consumer report that I have no relation or knowledge of. Experian has not maintained their duty as an entity created to assemble consumer reports. Experian has not been responsible nor have the company operated with integrity, impartiality or fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an account in XX/XX/2018 with my previous bank. I hadn't used this bank in several years and generated inactive fees. There was also an attempted unauthorized charge that put the account in negative. Once being made aware of the account status I immediately went to the bank. I brought the account to good standing and then closed the account. A couple weeks later I received a credit alert stating I had a charge off from said bank. The charge off was done after I closed the account. I have tried to dispute this several times through Experian and the states remains the same ( Paid, Charge Off ). I have uploaded a document I received from the bank stating they inaccurately charged the account off and Experian states based off the info they have received from the bank they status should remain the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2017, COLLECTION BUREAU OF A add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COLLECTION BUREAU OF A has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

I sold my home yesterday. I had been trying to reach Caliber Home Loans to ask about what payments are due before selling a home to avoid a credit ding. Their customer service line does not reach a person. The only options are 1. Make a payment through automated system 2. Listen to automated info 3. Call consumer advocate. 

When you follow the prompt for consumer advocacy, the message gives a new phone number to call. When you call that number, you're taken back through the same automated system. 

I tried calling multiple local branches that do not answer the phone. 

I sent an email through the customer portal and was given an automatic response to call the same customer advocate number. I filled out their promise for payment form and selected pending sale and received an error message. 

Because of all this, I missed one payment due to lack of info from Caliber, knowing I was selling my home. 

When we arrived at closing yesterday, the payoff provided from Caliber looked incorrect. It shows we owe Caliber money in escrow, which didn't sound right because the county is sending me a refund for overpayment of taxes. I'm happy to pay if accurate, but need proof that this amount is owed Caliber. I tried calling again, and finally reached someone at the branch who transferred me to a customer service rep. Customer service transferred me to the property tax department, who said they don't handle new payoff paperwork. They also said that they paid over {$5000.00} from my escrow for taxes, which would still be an overpayment by about {$1200.00}, as I just received my tax statement from the county yesterday. I was told customer service would have to do the new/corrected payoff sheet. I then got transferred back to the same customer service number that is impossible to reach a live person. 

I have tried multiple numbers, including branches/sales offices today to reach someone and have gotten mostly no answer. I finally reached one person at a branch who transferred me to a live rep who introduced herself on the phone and immediately put me on hold for 10 minutes before hanging up. I hadn't had a chance to say a word. 

Our title company is holding funds for us until this is worked out, but if I am not able to resolve Caliber 's failures by Monday, I will have a second missed payment rather than a paid off mortgage. I'm furious that I'm doing everything right and the mortgage company 's incompetence is ruining my credit.
Product: Credit reporting

I requested for Equifax to remove about XXXX Hard Credit Inquiries of my report, which were not made by me, i have not received a response from Equifax, nor were the inquiries removed. I also have XXXX different XXXX accounts showing on my credit report, i have never had XXXX different accounts with them and they impact my credit in a negative way
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear Equifax, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times please delete the following inaccurate information from my credit file within the next 30 days I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during this. I know that these inaccuracy inaccuracies should be automatically removed I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXXXXXX By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151.

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

In late XXXX we took Loan Depot up on the offer to utilize automatic payments for our mortgage. The payments were set up to come out on the first of the month, beginning on XXXX  XXXX. To our surprise the online payment platform failed and our payment was not made. We did not receive any phone or written correspondence from Loan Depot until XX/XX/2022, when our loan was already 30 days past due. As soon as we received our payment we made both the XXXX and XXXX payments to make our account up to date and contacted Loan Depot right away in regards to the negative credit bureau reporting. We asked that the mistake be reversed and Loan Depot declined our request. We were asked to put a dispute in writing to escalate the issue to a supervisor which we did. After the written dispute was received and reviewed by Loan Depot, we were still declined. Loan Depot says that they attempted to contact up numerous times before the negative credit reporting, but we did not receive any telephone or written correspondence. I asked if they had proof that the attempts were actually completed or fulfilled and they said no. They showed no answer and did not leave messages. They also said they attempted to contact us via written letter in XXXX, and we did not receive a letter. I asked if they have proof that we received the letter and they did not have an answer. We feel that the failure of the online payment system is Loan Depot fault and we shouldn't be punished for a missing payment when we had plenty of money in our account and made the payment as soon as we actually received a letter on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Violation of the PRIVACY ACT OF 1974 Violation of I.R.S PUBLICATION 4681 under canceled debt, charge off account is considered a certificate of indebtedness and it is considered as income and income should not be showing on my consumer report.
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. 

Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account numberXXXX has violated my rights. Or 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

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX  to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX GA XXXX {$3600.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit card or prepaid card

I was contacted by Wayfair Mastercard on XX/XX/22 that there XXXXy have been fraudulent activity on my card. I confirmed I made NO purchases and have never used the card. I was told by their fraud department I would not be held responsible for the fraudulent charges and they would be removed from my account in XXXX days. I received an account statement yesterday XX/XX/22 showing a {$2000.00} balance. When I called I was transferred at least 3 times and was told I just needed to be patient and wait for them to complete the investigation. It has been 16 days already. I confirmed I did not make the purchase. I want the charges removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi thank you card reported a 30 day to all the credit bureaus on or about XX/XX/2017. During this time, I was in a disaster area Hurricane Harvey declared by U.S President and Governor of Texas. I was without electricity and phone service. CITI bank issued multiple statements that late fees and payments would not affect members in this area. I would like it removed from the credit bureaus. 

Thankfully
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like Capital One XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
Product: Vehicle loan or lease

Santander has been reporting delinquency statuses for XXXX XXXX and my husband, XXXX XXXX credit profiles to all three credit bureaus. The accounts has been paid in full/ XXXX balances since XXXX. The information was recently on the credit bureaus reported on XX/XX/XXXX indicated that the accounts are in delinquency status which is completely false. All accounts has been paid in full and have been closed for over five years. I dont understand why Santander is reporting inaccurate information for me and my husband. Santander accounts should be completely omitted from our credit profiles.
Product: Debt collection

cease and desist letter sent on XX/XX/2018. company still took {$65.00} from my account on XX/XX/2018. Debt is no longer owed.
Product: Credit card or prepaid card

I disputed a charge and the credit card company ( Bank of America ) issued a credit with a statement on its mobile app stating that if I don't hear back from it in 60 days since the dispute was filed ( XXXX XXXX, 2020 ), the credit issued by it is final. However, after 74 days ( i.e, on XX/XX/2020 ), the bank of america levied a fee ( corresponding to the credit issued, that is ~ {$1600.00} ) on my card saying that they have heard from the merchant and the collection is handled by another team, so they will charge me and not honor any 60 days commitment. The dispute notice on their mobile app to me clearly states that after 60 days ( i.e., after XX/XX/XXXX ) if I have not heard from them, the credit is final. See attached. 

When I reached out to them, the representatives didn't had an answer. Some of the representatives hung on me. After being juggled around from one representative to another ( ~almost 10 representatives in a period of 3 hours on the call ), one of the representatives said that I was wasting time and they can't do anything as another team handles fees and nothing can be done. 

I have since paid the fees, and due to lack of trust on Bank of America due to my experience with it, closed my credit card account. Terrible customer experience. Bank of America lacks customer obsession, and didn't think about long-term value from its customer.
Product: Checking or savings account

On XX/XX/2020 there were two Quickpay with XXXX payments taken from my account.One for {$450.00} and one for $ XXXX.I did not authorize these transactions.Chase bank said that they checked and that it was from my IP address and therefore it had to come from my computer.Nobody touched my computer and I think I got hacked through a week Wifi
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX / 30 days late in XXXX 2020, XXXX 2020  and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 contacted company to help them understand I am am not familiar with the merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human and a natural person my name is XXXX XXXX and the credit bureaus are violating my rights and I am really upset. They need to remove the accounts immediately. Also, it is not 100 % accurate with all the credit bureaus. 

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # 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 an 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.