23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently refinanced my mortgage on XXXX XXXX 2015. Wells Fargo was paid off on XXXX XXXX 2015. I am owed about {$2600.00} from them in my escrow account. It is now XXXX XXXX 2015 and I have yet to receive payment from Wells Fargo from my escrow account. I want to know why if I, as the consumer, am late with my remittance on my mortgage, be it a fault of mine or fault of the mail system, Wells Fargo will send me to collection. But if they intentionally sit on my money, by delaying payment to me ( thereby still collecting interest on that money, since it is still in their holdings ) there is no consequence or way that I can get my money back from them. I also feel that in this day and age of instant payments via the internet, it is atrocious to think that Wells Fargo can not remit my money electronically. I feel that this is very unjust to the consumer and that the consumer should have some sort of legal recourse against the banks for intentionally being slow ( there is no honest excuse in the days of electronic banking, especially since I paid my mortgage electronically each month ) to hold on to the consumer 's rightful money as long as possible to reap the benefits of holding it. I do realize that the basic interest rates are extremely low at this point but it is the honest principle that there is no reciprocity in the process between the banks and the consumers. The banks are all powerful and there are no real consequences for them. I would appreciate any feedback you can provide. 
Thank youXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Debt collection

No knowledge of this account. I was in hospital for XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX was my insurance provider at the time and paid my medical bill according to their statements. I never once received any hospital bill after XX/XX/XXXX and was under the impression everything was paid off,  nothing owed by myself or insurance. Three years later, Eastern Account Systems showed up on my credit report alleging I owe a {$2700.00} collection account with a date opened as XX/XX/XXXX. This is not only unbeknownst to me but why three years after the fact does this randomly pop up on my credit report? Not to mention, Eastern Account Systems has repeatedly harassed me on a daily basis calling from fake phone numbers, changing the city and state on caller ID each time a call is made. This not only interferes with my job but also is a major nuisance day to day on a personal level. I have NO knowledge whatsoever of this collection account. For all I know, this is identify theft. I was never sent any bills as normally would receive if money was owed by me. Why three years later does this appear on my credit report? This mysterious and bizarre collection account is damaging my credit that I have worked so hard to build. I pay ALL of my bills on time. I want this nonsense removed from my credit report as well as this bogus company, Eastern Account Systems, held  liable for harassment and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX - XXXX XXXX 2. XXXX Original creditor : XXXX 3. XXXX XXXX XXXX Original creditor : XXXX These accounts are individual actions, they must be delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Through a mortgage broker, XXXX XXXX, I submitted a loan application for the refinance of a duplex investment property to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX. HQ : XXXX XXXX. The loan officer at All Western who quoted the loan rate was XXXX XXXX XXXX, XXXX. On XX/XX/2018 XXXX XXXX XXXX 's assistant sent me many documents to sign electronically, one of which included the Loan Estimate ( 3pgs ) and my application for the loan. The loan rate was 4.75 % for a 30yr fixed. This was the same terms that my mortgage broker XXXX XXXX had sent me prior to me agreeing to apply for the loan. He got that quote from XXXX. XXXX. I had been asking for a rate lock from XXXX and XXXX XXXX XXXX and his assistant for 4 days and hadn't gotten a response. 

Today ( XX/XX/18 ) I finally got a return call from XXXX. XXXX and he told me that he had made a mistake on the rate and that the 4.75 % " does not exist. '' I asked why that rate was offered to me in all the documents they sent me for signature yesterday and he said he didn't realize that the loan was not a primary residence. I asked why ALL the documents he sent me for signature indicated it was an investment property, if he thought it was residential. He said he didn't know. He then offered me loan options which included higher rates, longer terms, interest only or a combination of those. I asked him if he had an obligation to honor what he had offered me and I accepted and he said that my rate was floating. I explained that, # 1 I had asked to lock the rate for 4 days and # 2 this change was not as a result of the rate floating up/down ; it was a completely new rate with new terms. He just repeated that " it doesn't exist '' for an investment property. 

Please see copy of 2 relevant pages of the loan application that reflects the loan was for an investment property and a copy of the loan estimate paperwork sent to me with a loan rate of 4.75 %, 30yr fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lenders by the name of XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights and caused much damage. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. These two companies did not receive written consent in order to place these accounts on my consumers report. This is in total violation of my rights. I have called and sent multiple letters concerning this matter. I need your assistance with these two accounts please.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me stuff in the mail saying its mines collection are at address I never lived actually one is a XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and 1 inquiry on my credit report that are not mine I have been disputing these for many months and nothing is being done!!! This is clearly identity theft and this is my last hope XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/2020 on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

According to 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.

According to 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 have several accounts in which I paid for less than the full amount in which I was sent form XXXX. XXXX, XXXX XXXX, XXXX, XXXX, and these accounts should n't be on my credit report I 've tried on three occasion to dispute these charges but trans union and XXXX wo n't budge only saying that they are verified in which they are not
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received information that I may be deploying and I paid all the balance on my Citibank credit card and kept the card, not knowing that they charge me interest after the billing cycle, without communicating with me the charge accrued interest which I didn't know until they reported it as late payment on my credit report on XXXX XXXX. 

When I reached out to the bank, they reversed all the late payment fees, I paid the remaining payment and they decided to close the account which is not fair to me. 

They put the 90 days late payment for the little amount and despite the fact that I already settled the payment and the late payment is not my fault it is the bank that failed to communicate with me that I have payment that is due. 

I will appreciate if the late payment can be remove from my credit report with XXXX and XXXX, I filled dispute with them and they didn't remove it because the bank claimed that it is valid charge, I explained the same to XXXX XXXX and they already removed it That is the only late payment on my report because I always ensure that I make my payments on time
Product: Debt collection

am a XXXX XXXX American Veteran rated at XXXX XXXX In XXXX of XXXX I relocated from XXXX XXXX XXXX XXXX XXXX XXXX intending to purchase a home for retirement. Before relocating I had secured an apartment in XXXX XXXX  to live during my home search opting on " XXXX XXXX XXXX XXXX XXXX. '' located @ XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX, and signing a 13 month lease. In XXXX of XXXX I received a letter informing me that the property management at XXXX XXXX would be assumed by " XXXX XXXX XXXX XXXXXXXX '' aka XXXX. In XXXX of XXXX I closed sale on a New Home and vacated the XXXX XXXX promptly and on time on XX/XX/XXXX and after moving from XXXX XXXX I had monitored my online account with XXXX for over a month making my last attempt to log into the account I discovered that the account had been closed. Naturally this indicated to me that business was complete and without issue. On XXXX XX/XX/XXXX I received an email from XXXX XXXX stating that I owed {$310.00} and if not immediately payed would be referred to collections. I immediately contacted XXXX XXXX and arranged to meet with them and discuss the unexplained charge. I delivered to them all receipts as well as every contractual & financial transaction made between both property managements and myself. After refusing to view my personal records the XXXX XXXX associate informed me that she could not explain the discrepancy of {$310.00} and blaming the former management for the error. I explained that I would gladly pay the {$310.00} upon proof of it's authenticity. The XXXX XXXX associate then informed me that they would report back to their manager and would definitely contact me or call me back, but I was never contacted with any proof that I owed this debt. In XXXX of XXXX I received an letter from " XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Informing me that they had purchased the debt of {$310.00} from XXXX and was attempting to collect. As I write this, I have never had any direct correspondence with Hunter Warfield except for my request for a letter of validation. On Wednesday XX/XX/XXXX I received notification through my paid XXXX XXXX XXXX XXXX that my credit score changed from XXXX XXXX XXXX overnight due to this unverified debt. I have also learned while researching this claim that XXXX XXXX XXXX XXXX Apartments were yet again under new management with " XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have this remark removed from my credit report : XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX I am in the middle of buying a house and this is affecting me
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account over the phone. This was tied to a promotion advertised on a flyer that I received in the mail. The promotion offered {$400.00} for opening a Premier Checking account and having a {$500.00} direct deposit prior to XX/XX/XXXX. I met the offer terms as required. Bonus was to be paid on XX/XX/XXXX. 

I did not receive the bonus on XX/XX/XXXX. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX and have spent over two hours, however the reps have been unable to resolve the issue. 

I am currently still waiting for the {$400.00} bonus to be paid to my account.
Product: Credit reporting or other personal consumer reports

XX/XX/24 - trying remove a fraud alert from my credit report at Experian. accessed the documents needed to submit and printed them out, then scanned them back in. Accessed the consumer upload portion but every time I tried to submit the documents, the upload failed. Called the Experian support number, and it directed me to self-service only and refused to connect me with an agent. 

The two other credit bureaus removed the alert immediately over the phone. Only Experian was unable to have their own site work properly and refused to assist a customer. Removing the fraud alert was needed as soon as possible in order to submit for government benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consumer report furnish an account without my written instructions 15 usc 1666b A creditor my not treat a payment on a credit account open-end consumer credit as late for any purpose
Product: Credit card or prepaid card

Comenity Bank Company website has been down for over a week along with the phone service. 

My payment is 2 days late and I'm unable to log online or even pay by phone. I've been trying to login daily for the past few days Trying to avoid getting hit with late fees and a late payment history added to credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

We opened a GM Financial Lease in XXXX and the vehicle was totaled. GM Financial reported a {$40.00} fee as a late payment in XX/XX/XXXX dropping mine and my wifes credit scores from over a 800 to XXXX. We discussed the issue with GM Financial and they did correct the bureau that we have never had a late payment and told us this was a error internally. The {$40.00} was never outstanding. My bureau is still showing late remarks on that account which us keeping my score at XXXX currently. We are currently purchasing a home and this is keeping us from getting the interest rates we deserve. I have a copy of my credit bureau showing the late remarks that was pulled in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Truist sent me the results of an investigation into my CFPB complaints cases XXXX and XXXX. In the letter detailing the results, it stated that payments were made on various dates and one XXXX payment was returned. It also stated that the correction to my credit reports for a 30 day late payment could not be adjusted/removed UNLESS a banking error had occurred. THIS is exactly what happened. A payroll direct deposit was suppose to be automatically made XXXX. And it was, but the bank didnt deduct the payment due to it being a new direct deposit account. The funds were in the account. The bank acknowledges that pending payment should have been processed. No insufficient funds fee was charged to me. Also my overdraft protection should have covered the amount. So there was actually two banking errors. 
The returned item should not have been. This was a banking error and falls within the parameters set by Truist bank that would reverse the 30 day late payment. Truist needs to abide by its own statements. Their investigation results letter is enclosed. Proof of banking error is also enclosed.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally 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 XXXX XXXX XXXXXX/XX/XXXX, Has violated my rights.

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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.
Product: Debt collection

AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Put a collections against my credit. Never contacted me or notified me of any debt. When I called to inquire representative was rude and hung up on me. Collections says I owed a Debt to XXXX XXXX. I went to XXXX to inquire and their representative verified there has never been account with XXXX associated with any of my information including social security, phone numbers, addresses, etc. XXXX never issued debt. XXXX did note there have been fraudulent collections using XXXX as the original creditor. Disputed collections but they insist it is legitimate, but again, have never contacted me and would not provide information regarding. Impossible for them to have a debt collections from XXXX XXXX. XXXX has verified this. XXXX XXXX is committing fraud. Opened fraudulent collections against me for the amount of {$7500.00} on XX/XX/year> for debt owed to XXXX XXXX. 

XXXX  Dispute information. 
Report Created On : XX/XX/year> File Identification Number : XXXX Provided by XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number XXXX XXXX  Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Sectio
n 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.