23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I submitted a check in the amount of {$3200.00} with a Wells Fargo stub indicating the amount should go towards additional principal. Again, I sent another payment in the amount of {$3200.00} on XX/XX/XXXX to be applied towards the principal. On XX/XX/XXXX, I called Wells Fargo and they said my mortgage was n't due until XX/XX/XXXX due to my additional payments. They did not apply my additional payments to the principal. They reversed one of the payments, but could n't with the other because it was passed 6 months. They also blamed me for not indicating on the check that the additional funds were for principal and claimed they never received a payment stub. On XX/XX/XXXX, I again made an additional payment towards principal of {$3500.00} and again, on XX/XX/XXXX, indicating on the checks it was for additional principal along with letters. This time, Wells Fargo did not apply the payments to principal again. Note that I am already on automatic payments for the regular mortgage payments. They reversed both transactions. They said that they had the wrong logic on their computer, and my mortgage broker mentioned that it 's a machine that separates the stub/ letter from the check. It was still no excuse because I had indicated on both checks that the payments were for principal payments. So I brought up the payment from XX/XX/XXXX, and they kept blaming me that I did n't send the right documents and did n't indicate on the check it was for additional principal. I told them that I just want an apology for not applying this payment, instead of blaming me since they have a track record for the other 3 payments that they were not applying the payments to principal even with the stub, letter, and indication on the checks. They kept blaming me and saying that I would need to change all of my tax returns. I told them that is my problem and not theirs. I am just concerned how much more interest I had to pay because they were not applying my additional payments to principal. My son, who is a mortgage broker, calculated thousands of dollars in interest, compounded over time. Wells Fargo suggest that I need to make sure the payments go through. How many other customers are working hard to pay their mortgage ahead of time, only to not get the credit of principal reduction and interest reduction? They said they ca n't do anything, blaming me over and over that I did n't indicate my extra payment as additional principal and claimed they never received my stub. Bottomline, they ca n't do anything about this additional principal payment. I told them I will make a report to the CFPB, and they seemed to not care. Beware consumers : You may be thinking you are reducing your principal balance by making extra payments, but Wells Fargo has proven to me that this is not the case when they are not doing their job. What 's worse, is that they will blame you even if you do everything right as far as indicating it on your checks, letters, stubs, etc. How can such a big company not keep their records straight to protect their customers?
Product: Credit reporting

This XXXX account was reinserted to my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce one. you did no verify this information pursuant to the FCRA, and Transunion reinserted this account. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Transunion just like The case is XXXX v. Trans Union LLC, case number XXXX, in the XXXX District of Virginia .
Product: Credit card or prepaid card

On XX/XX/2021 my Bank of America card was charged in XXXX separate transactions, one for {$110.00} and one for {$59.00}. These charges were for a company called XXXX XXXX, which I had never heard of before. I had a third charge I did not authorize, this one for XXXX XXXX for {$35.00}. I reported these fraudulent charges to Bank of America and they recognized the charge for {$35.00} as fraudulent but disputed that the two charges for XXXX XXXX were fraudulent. I have told them I did not authorize these charges or ever order anything from this company but they are adamant that I received products from this company. I did receive several bottles of vitamins or diet supplements but they are not a product that I ever ordered. I contacted XXXX XXXX to see if they had any record of me as a customer and they said they had heard from many other people that a similar chain of events had happened to them, that they'd charged by a third party and shipped supplements they did not order, and their cards were charged through XXXX XXXX. XXXX XXXX itself seems to be a victim of corporate identity theft with a third party scammer using them and sending actual items to some consumer victims. To date Bank of America has not refunded these charges because the scammers were able to show that they shipped me a product, never mind that I never ordered the items and that the price charged is much higher than their actual value. I have filed a police report and am filing a complaint with the CFPB on the advice of the person at XXXX XXXX that I spoke to. Bank of America originally recognized my fraud and refunded the charges but later reversed their decision and re-placed the charges on my card.
Product: Credit reporting or other personal consumer reports

Started dispute with Transunion on XX/XX/2023. It has been eight days and they will not allow me to request an updated credit report. Also I do not see that Transunion notified the furnishers within 5 days of starting this dispute. Currently Transunion has started the dispute and is not complying with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe XXXX with interest in student loans, XXXX has a duplicate loan reporting on my credit report. The total of the duplicate loan is XXXX, this total is listed for both XXXX and XXXX. XXXX transferred all of my current loans to XXXX and the actual balance I owe without interest is {$9100.00} and with interest the total is {$10000.00} as previously stated. XXXX has stated they've confirmed their information is accurate when it is CLEARLY in accurate in black & white. The total amount in Student Loans XXXX is reporting reflects {$13000.00}. The correct account reporting under XXXX should remain and the XXXX account should be removed ASAP. ALL XXXX  were transferred to XXXX and it is attached to this dispute with the actual XXXX notice!
Product: Credit card

The issue is causing me significant distress and anxiety, to XXXX XXXX where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX
Product: Mortgage

On XXXXXX/XX/XXXX, I received a notice that my mortgage loan Escrow had a shortage of {$15000.00} and that my monthly payment starting XXXXXX/XX/XXXX would be increased from {$3000.00} to {$4700.00} in order to cover the shortage. 

In reviewing my account & tax assessor information, I discovered that Flagstar Bank, paid a total of {$16000.00} in property taxes for XXXX from my escrow account when my total taxes for XXXX were only {$4800.00} annual. 

On XXXXXX/XX/XXXX, I submitted a request asking that my escrow account be corrected as Flagstar Bank had overpaid my property taxes, which led to an escrow account shortage and that a new escrow analysis be completed. 

As os XXXX XXXX, XXXX. I had not received any communication from Flagstar Bank therefore, I sent another request. To date, the issue has not been corrected and I now face an increased mortgage payment.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to Experian not Complying with XXXX and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per XXXX Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable. I Have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the Better business Bureau in regards to the violation of my rights by XXXX as well as damages caused by these " errors ''. The account in question is XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize any of the below. Please remove all my credit immediately. 

TransUnion credit file XXXX XXXX XXXXXXXX - ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX- ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX  - ( inquiry ) XXXX XXXX XXXX XXXX XXXX - ( inquiry ) XX/XX/XXXXXXXX XXXX XXXX - ( inquiry ) XXXX/XXXX/XXXX XXXX XXXX XXXX - ( inquiry ) XX/XX/XXXX XXXX XXXX XXXX - ( inquiry ) XX/XX/XXXX PLEASE REMOVE IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently examined my credit report and I realized there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently obtained a copy of my credit report and discovered that your organization has been furnishing inaccurate and unauthorized accounts on my consumer report. I demand that the following accounts be immediately deleted from my credit file : Accounts in Question : DEPT OF EDUCATION/XXXX Account Numbers : XXXX Violations Committed Under Federal Law : Your continued reporting of these accounts is in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX XXXX XXXX ), which governs the accuracy and fairness of credit reporting. Below are the specific violations : Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) Data furnishers are required to report only accurate information. Since these accounts are inaccurately placed on my credit report, you are in violation of this law. 

Violation of 15 U.S.C. XXXX ( b ) Upon receiving a dispute from a consumer, data furnishers must conduct a proper investigation. Given that you continue to report inaccurate information, it is evident that no such investigation has been conducted or has been done negligently. 

Violation of 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) Credit reporting agencies must delete disputed information if it can not be verified within the prescribed timeframe. Since the accuracy of these accounts can not be verified, they must be permanently removed. 

Violation of 15 U.S.C. XXXX and XXXX Any willful or negligent failure to comply with the FCRA makes your organization liable for damages, legal fees, and statutory penalties. 

Demand for Immediate Action : I demand that you delete these accounts from my consumer report immediately and provide me with written confirmation of this deletion within XXXX  days of receiving this letter. Failure to comply will result in legal action, including but not limited to, a lawsuit for willful noncompliance with the FCRA, where I will seek damages, attorney fees, and injunctive relief. 

Additionally, be advised that any continued inaccurate reporting or failure to act promptly will be documented and submitted as evidence to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect swift resolution of this matter and trust that you will act in accordance with federal law. You are not authorized to reinsert these accounts after their deletion under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ), unless you notify me in writing with proof of verification. 

This letter serves as formal notice under the FCRA and any failure to comply will result in immediate legal recourse
Product: Credit reporting or other personal consumer reports

A collection account was placed on my credit report and I do not know and have never had an account associated with this account. I asked that the credit bureaus investigate and provide me with proof that this collection company validated the debt and made sure it was mine and none of this was produced. I need for the company in question to provide me with the original purchase agreement with my wet signature on it. I have been a victim of identity theft in the past and will not allow incorrect information to be reported on my credit reports.
Product: Debt collection

on XX/XX/2021, i sent NATIONAL CREDIT SYSTEMS , INC a letter about an alleged debt of XXXX that I don't owe.this is an inaccurate item and should be removed from my credit report. national credit systems , inc sent me a document in the mail claiming that i owe a debt on XX/XX/2021, i sent them a letter requesting the validity of the alleged debt of {$920.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, NATIONAL CREDIT SYSTEMS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX and today is XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Product: Student loan

Continually in the dark about repayments, information on where I'm at in my payment plan. When under Sallie Mae had no issues, with Navient it seems like no payments were made whatsoever, their systems are always down for maintenance and they keep you COMPLETELY in the dark about your progress/status. The only thing they appear to be competent in is posting a dollar amount that you owe.
Product: Credit card or prepaid card

Dear Mr. President may this letter find you and your family in good health. 
This letter is to inform you that I XXXX XXXX have been a excellent credit card customer with Goodyear Tires for the past 8 years and present and never had a late payment with Goodyear tire nor any late with any of my credit card companies. 
In Light of the Global Pandemic I experience a difficulty with Goodyear online payment center in trying to make my {$28.00} payment I was not able to log on your system, I try calling could not contact anyone that day of XX/XX/2020 then I continue to call still I could not get in contact with anyone, when I finally got through it was on a recording and I was on hold to speak to alive person for 2 hour. 
When a customer service representative did pick up I informed her of the situation that I was trying to make a payment for the last 3 days and was not able to get through evidently the rep. I was speaking to did not care and I ask her why was my credit card limit was decrease she said the computer automatically decrease my limit from {$2300.00} to {$700.00}. I inform her I was trying to buy a tire because I had an emergency I had a blowout tire on my car I went to Goodyear tires to get the tire fix to learn that I did not have enough money on my credit card to get the tire fix it was so embarrassing that my limit was decrease without forewarning, I ask to be transfer to a supervisors she was very rude to me she indicated to me that my credit was decrease because I was late even though I called 3 or 4 days earlier trying to make a payment and was not able to get through your online system. I finally was able to make my {$28.00} payment. 
Doing this Global Pandemic I understand what we all are experiencing, But I have been an excellent customer with good year tire and I value my credit worthiness I feel I was disrespected and mistreated my Goodyear representatives. Please investigate this matter and please reinstate my credit limit back to {$2300.00}. 
Doing this pandemic even the credit bureaus are not reporting late payments The president of the United States even ask all credit card companies to work with their customers due to this pandemic Please Mr. President on Goodyear tires have your credit department raise my credit limit. 
Sincerely Miss XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is attempting to fraudulently collect on a debt not owed by billing in advance despite my change in carriers prior to the advanced billing date-range in question. 

On XX/XX/2022, I changed carriers from XXXX XXXX XXXX to XXXX. I was not under contract, had no outstanding balance of any kind, and no obligation to XXXX XXXX XXXX beyond XX/XX/2022. On that same date, XXXX XXXX XXXX attempted to bill me in advance for the period of XX/XX/2022 through XX/XX/2022 for phone numbers " XXXX '' and " XXXX ''. Both of these numbers were wholly serviced by XXXX for 100 % of the billing period in question, as is evident in the supporting document titled " XXXX XXXX XXXX ''. 

When I contacted XXXX XXXX XXXX to dispute this, their representative acknowledged that they would be unable to provide any of the services described in the advanced bill and subsequent collection attempts, but would not close the account satisfactorily based solely on XXXX XXXX XXXX 's own internal policy to bill in advance even after a consumer changes carriers. This is a fraudulent billing attempt and a predatory business practice.
Product: Credit card

When I received my XXXX  statement from Bank of America ( BoA ) on XX/XX/XXXX, there was a charge from XXXX for {$7400.00}, which I later learned was for two courtside tickets to a XXXX XXXX  basketball game that took place in XXXX on XX/XX/XXXX. I immediately started a fraud claim with BoA. BoA temporarily credited my account for {$7400.00} while they investigated my claim. A new credit card was issued at this time. My credit accounts were frozen and I changed all email and banking passwords. 

On XX/XX/XXXX my claim was denied. BoA claims that XXXX has " proof '' that the tickets were purchased from my email address. I contacted XXXX asking for a receipt of purchase, copies of the tickets, and the email address that the tickets were supposedly forwarded to. XXXX stated they would be happy to answer my questions when they received a formal complaint from my bank.

I have since been in contact with BoA on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have gone to BoA in person and have contacted their Fraud Department via phone. I have provided proof that I was in the XXXX region both on the date the tickets were purchased and the date of the event. 

BoA is still denying my fraud claim at this time.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

I made a payment of {$20000.00} from my XXXX checking account to my Wells Fargo credit card on XX/XX/2023. The money left my XXXX account on XX/XX/, 2023. I called Wells Fargo on XX/XX/ 2023 at XXXX Eastern Time inquiring why the available credit limit and balance hasn't been updated, and they claimed even though the money is with Wells Fargo they have placed a 15 day verification hold on the account. They were unable to get on a 3-way call with XXXX to verify the payment nor were they willing to provide details on the verification hold. My money is sitting with Wells Fargo for 15 days without interest, and I am unable to use my credit card.
Product: Bank account or service

I requested a 12 month deferment to for my Navient student loan in 2010. I had lost my job in 2010 and this is the reason I needed to deferment. At the time I requested it they were called XXXX XXXX. I tried to contact XXXX XXXX in the 12 month. They never notified me they changed into Navient. They came back and said since a was one month over the 12 months, XXXX total that my account was sent to credit collection service called Pioneer. My loan was for XXXX. They added XXXX for the one year deferment. The total was XXXX I would owe. Navient-Pioneer said since I wnt one month over they were adding XXXX to my loan as capitalized interest for the one month over. My loan went from XXXX to XXXX. They never contacted me about the name change. Can they do this to me? Is this legal to charge someone XXXX for a month for interest. I call them and never get any answers
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a collection account on my report and I have a court document from my county court house showing I don't owe any money to this agency and the Equifax still reporting I have collection account and owe them money, even when I sent them the court document stating that I don't owe any money to this collection agency..
Product: Credit reporting

Experian has again sent misleading and false results, citing items I never disputed and disallowing me from viewing my report on line. They have XXXX Fraudulent Inquires that I have sent XXXX LAW ENFORCEMENT REPORTS IN, with respect to XXXX, XXXX, XXXX They refuse to comply with the law, and thus deny me access to my report and ability to dispute items. They have an address listed I do not reside, ironically an inquiry listed at such address. They are purposely doing this in contravene to the FCRA. This is tantamount to fraud