23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Arvest, Everything about Arvest is unnecessarily hard to deal with including this form. I have now had 4 telephone calls with Arvest over the last 6 weeks - averaging about 40 minutes each. I have also sent in more money than you said I owed both to make up for the shortfall in the escrow that you created and to overpay my monthly autopayments to make sure that the next time you fiddle with my monthly amount, Ive got a buffer. You still haven't fixed my account. You are still charging me late fees. You still have money that I sent you over a month ago, showing as unapplied payments that more than covers the amount you say I owe. You are still reporting me as paying late to credit agencies and ruining my credit for no reason. You leave me no choice but to communicate with your regulators.

I had this loan for years and never had any problems with it. No late fees, no miscommunications. Then Arvest bought the loan. Nothing but problems and a huge time XXXX. You said you would get to the bottom of this. You said you would make sure the payments are applied correctly. You said you would call me back. You have done none of these things. 

Have a nice day!
Product: Mortgage

I sold the property in question and the transaction was closed and recorded on XX/XX/2022. The closing agent for the buyer was responsible for recording and disbursement of funds, and the agents and I received payout as usual. But the closing company failed to wire the payoff to Freedom Mortgage until I informed them that Freedom Mortgage hadnt received the payoff in XXXX. In the meantime a mortgage payment was more than 30 days late for the missing payment in XXXX and the late delinquent payment was reported and the missed payment negatively affected my credit score making it near impossible to purchase my new home, due to no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Show late payment on my credit report was never late XXXX  XXXX  XXXX
Product: Mortgage

When I received my XXXX statement it stated that I was one month behind in my mortgage. The problem with this is that I have my mortgage payment taken out of my bank account every XXXX of the month. I called Fay Servicing and customer service told me I was current. I receive another statement stating the same thing and I sent it to my service provider Mr. XXXX XXXX. I sent an email on XX/XX/2020 and I never received a response. Today I received a statement saying I owe {$5600.00}, but on the back of the statement it shows that I paid XXXX in the amount of {$2800.00}. This statement is dated XX/XX/2020. 

I tried to call Fay Servicing 6 times and was disconnected each time after holding for over 15 minutes each time. 
Although Fay Servicing says I'm current I keep receiving notices saying I am behind. Since Fay Servicing has refused to speak with me and rectify this matter I have no choice but to reach out to CFPB and pray that you can assist in resolving this issue.
Product: Credit card

This morning I went on-line to my American Express account and noticed that my account was 19 days past due. I promptly paid the amount that they requested online that would bring the card immediately current. I paid by having the amount deducted from my bank account on the same day. Thinking that the matter was settled, I then called American Express to explore my " Membership Rewards '' options, because I have accumulated a lot of points. When I asked to speak to the Membership Rewards department, I was interrupted by a customer service representative who asked me to pay an additional amount -- any additional amount. When I asked her what the benefit of doing so would be, she simply said that it will reduce my future invoice. When I asked again what the benefit to me would be of paying an additional amount, she said that she would put a positive note into my account. When I asked her if this would have any impact on my credit score, she said no, it would not. The representative could not articulate for me what benefit would accrue to me from any additional payment. Yet, the representative kept me on the phone for 15-20 minutes and would not connect me to Membership Rewards until I paid an additional amount. I paid {$2.00} more and then when she connected me to Membership Rewards, the office was closed. This was an incredibly frustrating experience and waste of my time. My issue is not with the customer service representative. My issue is with American Express 's practices. I have been a card member for 22 years and have never had to complain before, but this was beyond the pale. American Express needs to change their abusive practices.
Product: Mortgage

Dovenmuehle Mortgage is collecting the incorrect amount of money monthly for my property taxes. Two escrow analyses have failed to identify this issue and I have been in contact with them on several occasions in which I have been reassured that the issue would be remedied and I would hear from a supervisor yet neither thing has happened.
Product: Credit reporting or other personal consumer reports

I have had the same balance and same last payment date for the last year under my transunion report. But states I'm 100 % payments on time.
Product: Debt collection

multiple phone calls with no voicemails over the course of 2 weeks - recently upgraded to sending multiple text messages as well that do mention the company involved... i contacted said company and they have confirmed multiple times that no accounts under my information are in any kind of default/were not sent to any collection agencies. can not get live agent from collection agency on phone to tell them to cease contact
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX  - Account Number : XXXX
Product: Checking or savings account

I opened saving account on XXXX XX/XX/2022 and had an offer from banker telling me that if i deposit {$250000.00} and keep for 90 days i will get bonus {$2000.00} for this new account.NOw it end of november 7 month later and i still do not have this bonus in my account.My personal banker tried to escalate it as he is saying and i still do not have money.I asked for written response from escalaling department and i can not get anything .It seems that Chase bank lied to me and used my money without any benefits to me.This is information of the bank i opened my account and I am private client therte on top of it. 
Chase bank XXXX XXXX XXXX XXXX XXXX Illinois XXXX My personal banker is XXXX XXXX Branch manager is XXXX XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with experian.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$2500.00} Date of XXXX
Product: Credit reporting or other personal consumer reports

My Experian credit report contains several unauthorized inquiries that I did not initiate, and I find this completely unacceptable. These errors raise serious concerns about the security of my personal information and the reliability of your reporting process. The presence of these unauthorized inquiries is negatively impacting my financial stability, and I refuse to allow these inaccuracies to go unchallenged. The disputed inquiries include XXXX on XX/XX/year>, XXXX on XX/XX/year>, XXXX XXXX XXXX  on XX/XX/year>, XXXX XXXX on XX/XX/year>XXXX XXXX XXXX  on XX/XX/year>, XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX  on XX/XX/year> XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX XXXXXXXX on XX/XX/year>, and XXXX XXXXXXXX XXXX XXXX on XX/XX/year>. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information must be accurate, and any inquiry that can not be proven to have been authorized by me must be removed immediately. I demand a full investigation and expect a clear, verifiable response detailing the source of each inquiry. Any delay in resolving these issues will not be tolerated.
Product: Checking or savings account

XXXX  a total of {$470.00} was removed from my checking account it was sent to someone unauthorized and not on my behalf. I called Chime and put in a claim and they denied me. This is very frustrating and unfair to have money stolen from me and my banking is telling me theres nothing they can do about it.
Product: Credit reporting or other personal consumer reports

I was envolved in a breach with credit bureau An identity theft
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Vehicle loan or lease

I paid my loan off on XXXX/XXXX/2023, an year ago and still do not have an updated title in hand. 

VW credit informed me they have sent the e-title to the Washington XXXX, but the XXXX has informed me that they have never received any such request from VW credit. 

VW credit also can not send me any written proof that they have sent the title to the XXXX, and are making me go around in circles. It has been an year, this is unacceptable. 

I have to sell my car and the buyer refused to buy because I did not have an updated title. 

Attached letter from VW credit confirming I have paid off my loan on XX/XX/2023.
Product: Checking or savings account

Due to overdraft fees from navy federal credit union, I was evicted from my house due to navy federal credit union not paying the leasing company. When i inquired about the payment, they said that the leasing company never tried to charge me amount. They showed me my bank statement and the charge was not there. Because of this error, I was wrongfully evicted from my home and had to find a new place to live, all while starting a new job. They have also charged my account {$39.00}, even when I had XXXX  being deposited into my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an Account with " XXXX   ''. The case # listed on my credit report is XXXX. This company is currently reporting late payments on an account that was cancelled many months ago in XXXX. I disputed this account with the company as well as XXXX, Equifax and XXXX. I have provided proof of the cancellation via an email exchange between myself and the XXXX.
Product: Student loan

I recieved this parental loan in 1995, I had borrowed over {$9000.00} and have repaid {$13000.00} I still have an outstanding balance of {$14000.00}
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint concerning a medical debt reported by Wakefield & Associates that is adversely affecting my credit report. Despite disputing this debt, it was returned as verified. I believe this debt is inaccurately reported and should be removed immediately based on the following grounds : 1. Violation of Recent CFPB Rule on Medical Debt Reporting : On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule prohibiting the inclusion of medical debts on credit reports used by lenders. This rule is expected to remove approximately {$49.00} XXXX in medical bills from credit reports, benefiting about 15 million Americans. The CFPB has determined that medical debts provide little predictive value regarding a borrowers ability to repay other debts and that consumers often receive inaccurate bills or are asked to pay amounts that should have been covered by insurance or financial assistance programs. 
2. Unauthorized Access to Medical Information : I did not authorize Wakefield & Associates to access or use my personal medical information. Their possession and use of such information without my consent may constitute a violation of privacy laws, including the Health Insurance Portability and Accountability Act ( HIPAA ). I am now a victim of Identity theft and do not consent to this debt. 
3. Negative Impact on Financial Well-being : The presence of this disputed medical debt on my credit report has hindered my ability to achieve financial success. It does not accurately reflect my creditworthiness or character and has impeded my access to financial support, including loans and other credit opportunities. 
4. How can I owe a {$970.00} balance to Wakefield & Associates when I never had a copy of the original agreement nor have they provided me paperwork stating that I have agreed and consented to paying this debt? 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Bureau : XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Inquiry Date : XX/XX/2024 Reason : I don't recognize this inquiry Bureau : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX Date : XX/XX/2024 Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX DIAZ & ASSOCIATES , INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX XX/XX/2024 Re : XXXX XXXX XXXX XXXX To Whom It May Concern, I want to inform you that you have violated the Fair Debt Collections Practices Act. In my view, you have violated at least three sections of this act by : Not verifying a debt as required by the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Contacting a debtor after receiving a cease and desist notice sent via certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Engaging in harassment of the alleged debtor, which is prohibited under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have detailed records of your violations, and I am ready to protect myself and my rights from dishonest collection agencies. 

On XX/XX/2024, I sent a request to your office via certified mail asking you to provide me with evidence and proof of the debt you claimed I owed. I sent this request within 30 days of receiving your initial notice. In the same letter, I also included instructions to cease and desist. 

After confirming the delivery of my letter you proceeded to send a simple bill, which does not qualify as a " validation of debt '' by any means. It would be beneficial for you to familiarize yourself with the requirements for validating a debt. 

Your office also contacted me by phone after receiving and accepting my certified letter. Contacting a person after they have issued a cease and desist notice can result in significant consequences for your agency, including damages of up to {$1000.00} per incident. 

I highly doubt that this {$6000.00} debt is worth risking your agency 's license and incurring fees and penalties for violating the FDCPA. 

There is no doubt that you deliberately violated my rights, and I could take legal action against you immediately. However, I am assuming that this was a serious mistake on your part, and I anticipate that you will take appropriate measures to educate yourself and your staff regarding such unlawful actions. 

I will also be monitoring my credit report to check if you have willfully reported an unverified and disputable debt to the credit bureaus. If you have, it would be a violation of the Fair Credit Reporting Act. I want to reiterate in this certified mail that you have failed to verify the accuracy of the debt, provided no evidence of this alleged debt, and I must once again request that you refrain from contacting me through any means regarding the collection of this debt. 

If I receive anything other than conclusive evidence from you, I will assume that you are harassing me and disregarding my cease and desist notice. In that case, I will take legal action against you for these ongoing violations and abusive behavior. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

hello i think someone stole my identity and opened a capital one credit under my name and they have a XXXX dollars limit which they already use all of it it is not me i tried reporting it on XXXX XXXX but it said it was denied like if it was mine but is not. That is not my credit card and i need to get it fixed please help me.also the credit card says its in like another state i live in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Card Services Has lied about validation of the debt in question. and have violated my rights. 

They claim they validated the debt but has refused to send name of the company they used to validate the debt. 

And has maliciously, purposely withheld the information requested one being the original signatures which they cant provide because the account does not exist. as you heard the phone call.

And two the name of the company who validated the debt. 


This is really bad and sad. 
this account should be deleted.
Product: Debt collection

My daughter was taken to the ER  few years ago by her father, he signed the check in and signed the discharge for her. After few years i started getting contacted about a bill of {$710.00} for that visit, i tried to solve this issue with the hospital but they simply ignored my information and did nothing about it, now i see that it has been hitting my credit score when it should had been in my ex husbands credit score, i was not responsible for that.
Product: Checking or savings account

On XX/XX/2019 usbank froze my account they informed me that I would have to wait until XX/XX/2019 to receive my funds when they closed the account. So I waited and today XXXX they still denied me access to my money telling me I have to wait until XX/XX/2019. I have waited a month already. I need my money.this is way to long.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute in writing to Experian, XXXX and XXXX asking for an investigation into an inaccurate debt collection account. 
( I have attached details of the account in question. ) The 3 bureaus have not only failed to respond within 30 days, they are also continuing to report inaccurate information on my report regarding this account. I demand that this account be removed immediately.
Product: Mortgage

my morgage just transfered hands, payment was XXXX i paid XXXX every year for 20 yrs. i had insurance and taxes added to my mortgage 1.5 yrs back. it seems the old mortgage apply-ed all the $ $ to p-i only, no notice of shortage to alarm me of problem. new mortgage wants XXXX and will not apply the extra amount to loan amount and wants a XXXX per month payment for 48 months. ive spent hrs try ing to get them to correct the problem that was error-ed on their side. i know my principle is lower but extra XXXX per month is not do-able. being self employed refinancing is harder to do. along with the late fees and there demands. i stilled paid my payment but it was XXXX short do to the new amount. my old co. was greentree