23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

U.S. Bank is claiming mortgage is in default, but all payments were made timely and accurately. U.S. Bank, without notice, increased the amount of escrow by {$52.00} for XX/XX/2020. After U.S. Bank processed my automatic payment for XXXX, I received a call from a U.S. Bank representative stating that I owed {$52.00} plus {$150.00} late fee. In addition, the representative, even though U.S. Bank had received and processed the XXXX payment, informed me that U.S. Bank had declared my mortgage in default. 

On XX/XX/2020, I sent a letter to U.S. Bank identifying its failures and requesting remediation. On XX/XX/2020, I received a letter dated XX/XX/XXXX, declaring my mortgage in default.
Product: Debt collection

I was a patient at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) for a birth and I had a high bill aside from the insurance and was then filing for XXXX XXXX and was accepted. I even had a patient advocate call on my behalf, the hospitals aid it was under charity care and didn't need to be dealt with. A few months later the collection notices showed. 
They didn't give me a chance to discuss or settle it in any way. Secondly, the collection agency didn't validate the actual claim.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company Credence Resource in the representation of XXXX XXXX XXXX. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Credit card or prepaid card

I called the free credit score company about a charge to my card from them. They told me that my information wasn't in the system. So he asked me for the first 6 digits and the last four digits of my card number. I gave it to him he said that the card number is there. But it's not with my name, it had someone else name on there that I didn't know. I asked him if I can speak with the supervisor about the situation, he told me that I can't cause I don't have an account with them, but they charged my card.
Product: Credit card or prepaid card

I was sent an email at XXXX about having an existing XXXX XXXX XXXX card. I have ZERO knowledge or have owned one of these cards. this is fraud and not acceptable at all this email was sent at XXXX XXXX from XXXX on XX/XX/2023 i wan na know HOW someone opened a card in my name and HOW you let this happen
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONES BEEN USING MY PERSONAL INFORMATION APPLYING FOR CREDIT AND USING MY NAME FOR MEDICAL PURPOSES I CONTACTED XXXX XXXX, EXPERIAN AND XXXX  TO UPDATE MY PROFILE THEY HAVE YET TO DO SO ... ATTACH IS MY REPORT ON ALL INQUIRES AND FRAUDULENT ACCOUNTS
Product: Credit reporting or other personal consumer reports

When news broke of a major online breach of many Americans ' personal information which could be used to obtain credit, including social security numbers, I decided to freeze my credit with all the credit bureaus so as to protect myself in XX/XX/XXXX. Experian immediately signed me up for text messages and emails. On XX/XX/XXXX, I checked my Experian account settings and indicated at that time that I did not want to subscribe to any email notifications from them, that I did not consent to hearing from them at any time for any reason. Experian has continued to email me repeatedly since then, despite the settings on my account indicating that they should not do so, in violation of the can spam act of XXXX, despite being fined by the FTC in XXXX for exactly this practice. They provide no unsubscribe link and make it intentionally difficult to contact them. 

It is unconscionable that this corporation can essentially force me to hand over my email address under the threat of ruining my entire financial future if I don't, and then use that information against my will, while treating the ruling of the federal government on their business practices as the price of business to continue behaving as they please. I expect a credit bureau to abide by the laws of the United States or be *meaningfully* punished when they refuse.
Product: Money transfer, virtual currency, or money service

I have difficulty in providing the data in a cohesive manner due to the choices provided. 
My complaint is with PayPal Credit. My account was always paid 100 % on time and always greater than the minimum required. My payments are through XXXXXXXX XXXX XXXX XXXX  XXXX. For years this method was handled smoothly by PayPal ; however, approximately XXXX or maybe XXXX months ago, I began to receive my bill payments from XXXX and made payable to PayPal in the amounts of {$120.00} to my home address. The post office returned the checks to my home address marked : Returned to sender as undeliverable as addressed. When I received the first of the bill pay checks payable to PayPal, I attempted to contact PayPal via the internet. I found contacting PayPal and communicating with an live person virtually impossible. However, I finally spoke with a person after the 2nd check from my bank 's bill pay was delivered to my mailbox. The same notification was attached to the envelope. Tried again to communicate with PayPal and spoke with a person and they indicated they could not provide the address where to send my payments. I received a letter of collections from PayPal and in the collection letter was an address where to send the payments. I placed the two post office returned checks with similar data I am computing to CFPB. I received no response from PayPal they received the two checks forwarded. Unfortunately, the third check was returned to my due to the same reason previously noted. I finally received the correct address where to send my payments. Unfortunately, the time frame of receiving the correct address the third payment is in the process of being send to the appropriate address which was a change of address from the address my bank 's bill pay had on record. The third check will be sent to the official address now indicated by PayPal as correct. Had I received the address as initially requested this letter would be not necessary. PayPal has charged late fees, interest, etc. raising my balance in an explosive amount. Had PayPal only permitted me the correct address as initially requested all this could have been avoided.
Product: Debt collection

I was in a XXXX in XXXX 2013, owned by XXXX XXXX, they own most of them. During that stay, I was cursed at by the Psychiatrist, called a XXXX XXXX, who the XXXX do you think you XXXX are etc. told by the therapist I had to work on childhood issues, not the XXXX from the XXXX I had in XXXX 2013 that year. I, timely, refuted the co-insurance with XXXX, I timely disputed my treatment with UHS on site, I timely complained to the TX Insurance Fraud Board, the Medical Malpractice Board, etc. The coinsurance which is over the normal price for that particular time, remains a " closed '' account on my Credit Report. I have letters stating that XXXX was looking in to the problem and finally after two years of complaining got word back they would not remove the debt of some {$1400.00} because my XXXX XXXX stated it was owed. XXXX would not hear me, the doctors and therapists are still working there. No one cares and my credit report shows a despicable HIPAA violatoin by stating the XXXX XXXX name. The account is closed and it should be off my credit report. I have tried working with XXXX XXXX and they still refuse to, XXXX and XXXX to remove the damaging items. And XXXX still treats people like XXXX, who have XXXX problems.
Product: Debt collection

I informed them that I can not have anyone contact me at work regarding a debt. They came into my work threatening to sue me in front of my boss, co-workers and customers putting my job on the line after I told them I can not be contacted there. They are also coming to the house I stay at and leaving notes on the door several times.
Product: Credit reporting or other personal consumer reports

I signed up for 2 month deferral and they granted it to me mid XX/XX/2023 after i lost my job but they did not complete the paper work in their system ... so around mid XXXX they sent me a letter i was in default and in a few days would repo mycar ... so they approved me again for the 2 month deferral and I saved my car from being taken and they still ruined my credit in 2 areas on my XXXX XXXX  for all bureaus .. and will not fix it.. i took a huge dip in my scores because of them and this one area still says i was late in hte 30 to 60 day area and that is ruining my good name of years of on time good payments with all creditors and i am trying ot buy a house very soon.. I demand they fix all areas that show any thing negative about me and reverse the comments back to never late etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD 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 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: Mortgage

I began having issues and calling in XXXX concerning past due and late payments which was supposedly resolved after speaking with a supervisor. I called again in XX/XX/XXXX ; I made 2 payments XX/XX/XXXX, and another payment XX/XX/XXXX ; I called again in XX/XX/XXXX and learned my payment was being held in a suspense account for whatever reason I did not get a resolve to. XX/XX/XXXX only {$390.00} of my {$1600.00} was reversed which made it appear my payment was not made. XXXX payment was missed and I made 2 payments XX/XX/XXXX. From XX/XX/XXXX to date all payments have been made ; however, the mortgage company refuse to apply the XX/XX/XXXX unapplied payment of {$1200.00} to my account. Each time I call I continue to be transferred and after a 2 or 3 hour hold the matter has of yet to be resolved. There is also a late fee amount over {$610.00} they have as outstanding, however, according to my records and their statement the amount is {$280.00}. I began calling this morning and was transferred to 3 customer service agents and after explaining the issue each time was told I would need to speak with someone in escalations and I have been on hold now for 3 hours and 12 minutes which is ridiculous. It appears they are not willing to resolve their error and this has been very stressful and I expect a resolution.
Product: Debt collection

Signed contract in XX/XX/XXXX with XXXX attorneys for XXXX for reduced debt owed which have been paid in full according to contract agreed upon ( see attached ). Wrote to the attorneys in XX/XX/XXXX stating not only had I paid off the agreed to amount but had actually had overpaid by {$1100.00}. Asked for refund of over payment and told them that I would no longer be making payments since I was n't contractually obligated to. Now, suddenly XXXX is calling my job, home ( and who knows where else ) leaving no messages. They are now calling my daughter 's cell phone repeatedly ( everyday for the last two weeks from different phone numbers ). I am at my wits end with these people and its becoming a major disruption that I have to again deal with something that was should have been resolved. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : DPT ED/XXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit card

Subject : Unfair Credit Denial and Inaccurate Justifications by Wells Fargo ( Case # XXXX ) Complaint Details : I am filing a complaint regarding Wells Fargos denial of my application for their 2 % Active Cash card, based on inaccurate information about my credit profile and inconsistencies in their response. 

Key Issues : 1. Misrepresentation of My Credit Profile : Wells Fargo claimed no open credit account reported with a balance, and not enough credit cards, retail cards, or credit lines paid as agreed. However, my credit reports confirm a 7-year history, 100 % payment record, and multiple open credit accounts in good standing. 

2. Inaccurate Application of Credit Usage and Limits : They cited issues with amount of credit available on open bank cards and stated that my accounts do not show responsible credit use. In fact, my report shows responsible credit usage with ample available credit across accounts, all managed well. 

3. Incorrect Claim on Account Age : They stated credit accounts opened too recently as a reason for denial, though my last significant account opening occurred over two years ago.

4. Transparency Concerns with Customer Service : Wells Fargo could not locate a recording of my call despite previous assurance of recorded calls, raising transparency concerns about the quality of Wells Fargos response process. 

Wells Fargos inaccurate response led to the denial of a card I should have qualified for, based on their stated criteria. I am requesting the CFPB review their application process to ensure fair assessments and transparency in handling recorded interactions. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries appearing on my Experian credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : 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 Violations and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm.

Applicable Laws and Regulations 1. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose.

2. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries.

3. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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: Mortgage

We have tried through multiple companies & different people ways to save my Home to no avail! Id lost his teaching job due to Covid. After battling unemployment & trying to regain employment Ive sadly continued hitting dead ends. With No help or any kind of needed information which could be available in helping me save my home. Ive been treated rudely & also feel like Ive had my valuable time wasted when it couldve been used in whatever I do need to be focusing on to save my house instead of what Ive been dealing with. With my home mortgage provider I was given total of only 6 months of the offered forbearance program, instead of XXXX months that Ive read others had been given. I cant understand why I wasnt offered such an option as well? Instead Ive been thrown into foreclosure. Weve been talking to home counselor & have been getting a run around, no answers, no phone calls back or emailing until weve sent many out. We were told today that weve taken too long and not sure if they can or cant assist us. We owe {$190000.00} and home is worth {$500000.00}. Under no circumstance would it make sense to have our home go to auction. Due to not having employment makes it impossible to get an equity line of credit or refinance. Im a member of the XXXX XXXX in Washington state. For my income I receive a per-capita of $ 2400 monthly for my income including Along w/2 renters at {$650.00} a month whom Ive had for over 2 years plus. Ive been renting rooms from my home as income since purchasing the house 7 years ago. To help me pay my living expenses in general. Ive claimed this income on my taxes as well. Combines income is $ XXXX $ XXXX {$3700.00} monthly income. I REALLY need some assistance please. Ive read all these other options offered from Covid relief and cant understand why Im not qualified for any of them? I feel like the people Ive spoken to have only caused me to waste time. I dont have to waste
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated. 

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  as well as the Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 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.