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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am writing to formally dispute the inaccurate late payment information reported on my credit report for my XXXX XXXX account number : XXXX. Despite multiple requests for correction through dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no resolution has been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). 
FCRA Violations XXXX XXXX XXXX XXXX : Credit reporting agencies are required to ensure the maximum possible accuracy of information in consumer files. The persistence of incorrect late payments for XX/XX/XXXX and XX/XX/XXXX on Experian and XXXX demonstrates non-compliance with this mandate. 
15 U.S. Code 1681e ( b ) : This provision obligates credit bureaus to adopt reasonable procedures to maintain the accuracy of credit file information. The inaccuracies on my report suggest a failure to uphold this standard.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The late payment notations are inconsistent with my payment records, suggesting non-compliance with this requirement. 
The Truth in Lending Act also emphasizes the necessity of accurate and timely disclosures, which have not been upheld in my case, causing harm to my creditworthiness and financial standing. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties on consumers. The inaccurate late payment reports for XX/XX/XXXX and XX/XX/XXXX violate this act, as these late payments were incorrectly recorded and not reflective of my payment history. 
Evidence of Error Account Details : Account Number : XXXX Account Type : Installment Auto Loan Monthly Payment : {$260.00} Balance : {$6300.00} Open Date : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) Payment Status : Current Last Reported : XX/XX/XXXX Two-Year Payment History : XXXX : XXXX XXXX payments noted for XX/XX/XXXX and XX/XX/XXXX. 
Experian : XXXX late payments noted for XX/XX/XXXX and XX/XX/XXXX. 
Desired XXXX XXXX removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit reports with XXXX and Experian. 
Written confirmation of the correction. 
Failure to resolve this matter will leave me no choice but to escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action under the provisions of FCRA, XXXX, and XXXX. 
Please address this issue promptly and confirm the resolution in writing. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with Citi Bank ( the bank 's routing number is XXXX ). The last 4 digits of my checking account number is XXXX. On XX/XX/22, I logged into the online account to schedule an outbound ACH transfer of {$25000.00} for XX/XX/22. However, on the date when the scheduled ACH transfer was supposed to get going, I was first notified that the transfer attempt has failed, with a reference number XXXX. ( Evidence record can be provided upon request. ) However, despite that the transfer request failed, Citi Bank still withheld/locked the fund ( {$25000.00} ) instead of releasing the money back to my checking account for weeks. And, despite that the transfer failed, in the account transaction history it keeps showing as a pending transaction. What's even more ridiculous is that the " transaction date '' of the fake/erroneous pending transaction keeps moving every day. For example, on the date this issue occurred, the " pending '' transaction showed with a transaction date of XX/XX/22. The next day the fake transaction date changed to XX/XX/22. And so on. It was as if the transaction just got initiated on each day. And let me stress again, these are all in spite of the transfer request being called as " failed ''. I have tried to talk to the customer service department, the tech support and the dispute team for a humongous amount of times since XX/XX/22. Every one only knew to pass the buck and I got transferred among them in circles. Very incompetent employees and very incompetent banking system. I need to report this to the XXXX  now for a real resolution ASAP. At the meantime, because this has been equivalent to Citi Bank stealing money from me which belongs to me but not the bank, if this does not get resolved appropriately and properly right away, this has become a fraudulent banking practice to be reported to the police and/or brought to the court with my lawyer. Thank you.
Product: Credit card or prepaid card

I applied for a rent payment credit card through Bilt during the first week of XX/XX/2023. It is a card company that seems independent, but is actually completely supported by Wells Fargo, including customer support and payment portal.

During this month of opening the card, I already had to call its customer service line to resolve some issues that I have never encountered through other credit card companies.

1 ) Two days after opening my bilt account, my account was attacked by fraud, and I wasn't notified at all. I only found out when I was scrolling through recent payment. I had to contact Wells Fargo to get a new card.

2 ) Seems like Bilt uses a different payment system than Wells Fargo. I submitted payments ( twice ) through Bilt app, after I successfully linked my bank account on the app. Both transactions failed to go through, so I had to call again. The wells fargo agent told me that they didn't see a bank account linked on their portal. This is why I suspect that Bilt uses a completely different system than Wells Fargo, because their information is not at all connected, which causes a huge hassle for consumers like me. 

3 ) After I had to submit my payment through Wells Fargo ( which went through ), I found out that my account is closed, without any warnings or emails or notifications. And no opportunities to dispute. I tried to explain what was going on, but the agent kept repeating the same sentences that they can do nothing about this, while I clearly have done nothing wrong.

No idea how this closure of my account will impact my credit score, but below are some points that I want to summarize regarding to Bilt : - Constant typos on their website and app - They don't have their own customer line - everything is supported and referred to Wells fargo, which is super confusing - Disconnection between Bilt 's database and Wells Fargo database, which is risky- They have a lot of positive reviews on XXXX app store. I suspect that many of them were fake.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020 showed a XXXX  day late payment on my XXXX credit card ( XXXX. I found that odd because the account was paid in full before that. I called and they said a {$2.00} dollar interest accrued over, i dispute the transaction and they fix over the phone but later reappeared. Its been going for XXXX  years. Its highly impacting my credit worthiness and score. I have contacted them so many times and they said in their end theyll fix it but here I am still waiting.
Product: Mortgage

My home is underwater I owe more than its worth and I needed help. 
So I applied for a Principal Reduction and a Loan Modification with Ocwen LLC ; XXXX XXXX. I requested the Loan Modification package several times from Ocwen in writing and received it the last part of XXXX XXXX. I also did at the same time apply for Keep Your XXXX California in XXXX XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX with an Auto-generated value assessment of some sort? Contained within the document were comparables that were miles away, brand new custom homes nothing like my home. I have a track home which was valued at the low XXXX 's. I submitted to Ocwen MLS Comparables in my neighborhood realistic values ; with the highest value at XXXX. 
I submitted requested documents to Keep Your Home California while submitting the loan modification package to Ocwen twice. By XXXX XXXX, XXXX Keep Your Home California sent me correspondence stating that I qualify for a Principal Reduction. Keep Your Home California had requested my old Loan Modification from 5 years ago to help with the process ; I then wrote Ocwen requesting a copy of my modification be sent to Keep Your Home California ; I did this twice. By XXXX/XXXX/XXXX Ocwen LLC sent correspondence to me that they had received my application for assistance and the process would take 30 days to review. In the meantime I had requested in writing for someone to help me through this process and on XXXX XXXX, XXXX ; I received a letter from Ocwen saying I had a relationship manager XXXX XXXX. On XXXX XXXX, XXXX ; I received another letter from Ocwen that they had received my request for assistance and it would take 30 days to review my application. This process with Ocwen has been confusing and stressful to say the least! Now to make matters worst in the process I receive a letter from Keep Your Home California stating that my loan servicer Ocwen has not approved my loan for participation in the KYHC program. It appears Ocwen LLC wants me to loose my home ; Keep Your Home California stated that I had qualified for the program. Ocwen has participated with Keep Your Home California when I use them before on XXXX XXXX, XXXX. I received the Satisfied Reconveyance Deed XXXX XXXX, XXXX. 
Ocwen LLC is preventing me from obtaining a principal reduction to help make my payments affordable. My family has lived in our home for 23 years and I need your help so we can keep our family home and not loose it to foreclosure. I will attach all supporting documents.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in our dates [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshoot attached :
Product: Payday loan, title loan, or personal loan

Was approved for a loan on XX/XX/XXXX-2017 for XXXX. I have made 6 payments of XXXX which they are automatically taking from my checking account. I called the Pa dept of banking and securities because I asked inbox loan for a payoff amount and its over XXXX. Ive already paid back the principal of the loan and over Pennsylvanias max interest rate of 6 %. The dept of banking and securities suggested I contact your dept and file a complaint. My loan # is XXXX.
Product: Mortgage

We recently filled a comment with CFPB, to intervene on our behalf to Wells Fargo the the results were very unsatisfactory and incorrect information was given back. The representative from Wells Fargo named XXXX who contacted me by phone, had assured me 3 different occasion that she would be sending a letter asking for detail. It has been two weeks and counting, she stated that the mail is slow, this was not a certified letter, and I do not understand why we haven't received it yet. I am expecting to see this letter. They have closed the complaint account without us having the availability to see what the letter was about, or for, or pertaining to this letter. I don't know how an account can be closed when there is incomplete information. This just proves, and verifies, the absolute circus of clowns that we have been dealing with from Wells Fargo over & over all these years. This is the exact thing that our original complaints covered, and the only thing we get back from Wells Fargo, is more continuation of flat out lies.
Product: Credit reporting or other personal consumer reports

THE CREDIT BUREUAS HAVE VIOLATWD MY RIGHTS WILLFULLY I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per1 5 USC 1681c-2 these
need to be removed in XXXX days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts and inquiries on my credit report that was opened fraudulently. Please help me get this removed and fixed Unauthorized accounts XXXX XXXX XXXX XXXX {$3400.00} ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$19000.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$22000.00} ( XX/XX/XXXX ) DEPT OF ED {$4700.00} XXXX XXXXXX/XX/XXXX ) Unauthorized Inquiries XXXX 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: Payday loan, title loan, personal loan, or advance loan

The account was paid in full to include an overpayment for the total amount. After the account was satisfied, I reached out to Grain to ask them for a refund for the overpayment. After several attempts to contact Grain for a refund of the overpayment, I contacted my bank and explained what happened. 
My bank refunded me the overpayment and notified Grain. After I was issued a refund from my bank, Grain contacted me to ask for the overpayment amount to be paid back to them I explained that Grain that my account with Grain was closed and paid in full, and that the website no longer gave me access to pay the amount that grain was requesting. 
This has resulted in Grain submitting negative reports to my credit bureau accounts for money that I did not owe them. I have repeatedly emailed Grain ( no one answers their phone lines ) to resolve this issue. On XXXX XXXX, after mailing the payment grain was requesting, I received an email from grain that the account was paid in full. However, today, XX/XX/2023, I received another email from Grain that there was a {$19.00} balance that i needed to pay. 
This company is a scam, and has negatively impacted my credit score. Their customer service has does nothing to assist me with resolving this matter they just keep asking me for more money, even after the account has been closed.
Product: Payday loan

I have n't obtained a loan through Speedy Cash. I have disputed this with all the credit bureau but XXXX XXXX XXXX XXXX XXXX will not remove or provide me with any documents verifying the account
Product: Debt collection

For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At XXXX I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier XXXXXXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XX/XX/2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XX/XX/2015.
Product: Mortgage

I XXXX XXXX XXXX XXXX am filing a complaint of New Rez LLC / Shellpoint Mortgage Servicing due to I emailed a former supervisor there on XX/XX/2020 by the name of XXXX XXXX with attachments I would like for you to investigate as my email contained attached documents for him to resolve this matter before they decided to increase my mortgage payment to {$2000.00} and create an escrow shortage for me when they duplicated payments to XXXX XXXX XXXX XXXX in XX/XX/XXXX and XXXX of XX/XX/2020then I received a letter of my investor well my investor hired New Rez LLC / Shellpoint Mortgage Servicing so when I reached out to the Investor they were not happy as they know that New Rez LLC / Shellpoint Mortgage Servicing is out of compliance. I am requesting for your immediate attention on this matter along with disciplinary action as I do not understand how a supervisor XXXX XXXX has a right to neglect my request for assistance to resolve my concerns on my loan.
Product: Payday loan, title loan, or personal loan

As suggested by Citizens bank manager, replaced mortgage with HELOC ( XXXX ), and twice with new HELOC ( XXXX, XXXX ). HELOC at 4.99 %, XX/XX/XXXX. 
Applied for 2.75 % mortgage with XXXX XXXX  to replace Citizens HELOC Mortgage application blocked, " prior Citizens loans paperwork not completed '' Managers at both Citizens and XXXX XXXX  unable to obtain information needed to from Citizens in order to complete the application. 
Lacking a successful outcome or reply from Citizens administration, I paid XXXX XXXX  attorney fees and title search fees. 
Letter to Citizen CEO, responded within days with completion of required paper work -- after 9 months and considerable expense. 
I requested reimbursement of my expenses, payment to Mortgage bank for their legal work, title search, difference in interest rates loan, professional time. 
Discussion with Citizens administration office. They flatly refused to reimburse my expenses.
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. 
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. 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 mare 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 persom knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had this account with Wells Fargo Bank since XXXX. I never had a payment issue with this company. I received a letter in the mail dated XX/XX/XXXX, that states my account is closed due to inactivity. Upon receiving the letter on XX/XX/XXXX, I called and spoke with one of Wells Fargo 's customer service representatives. She indicated that the account was not closed that I need to activate the card then use it to prevent the card from being closed. I explained to the representative that I need to locate the card to activate. She asked that I call back once locating the XXXX. After searching, I located a card that expired XX/XX/XXXX. I called back to advise them I did not find the new card -- and was told by another representative that the account was closed. I asked how so ... when 5 minutes ago the account remained open. The representative apologized but repeated your account is closed. I asked to speak with a manager- I was transferred, but wasn't certain I was actually speaking with management because that person did not provide any assistance other to say I can reapply. I explained Wells Fargo did not provide an opportunity for me to keep the XXXX account open. You never sent a notification prior to closing my account? He did not reply. Only repeated, I can reapply because the credit card is closed and Wells Fargo does not offer that type account anymore. I advise this action does not sit well with me and I will be taking this complaint further. Not only did you not act in my best interest or give me an opportunity to decide if I wanted to close this account... you are not trying to repair the damage you caused by closing my account. My payment history is flawless with your company. And my credit history with the credit bureaus are Very important. By closing my account this will definitely cause an issue with my credit score. Is this some type of tactic Wells Fargo is using to get people to apply for additional credit? I am very disappointment with your service and this company. Why would any company try to penalize a consumer for not using their card?