23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage rate was variable and went up. I sent my original payment off before I received the new mortgage amount. As soon as I received the new mortgage payment I called Seturus and paid the difference. Seturus had applied the amount to other fees because they considered it a partial payment. By the time they moved the funds back to payment, they were reporting a 30 day late. However the funds were sent to them way before. I called and disputed the 30 day late and Seturus verified is was incorrect and I should not have a 30 day late, but they are still reporting it wrong. I disputed the 30 day late with the credit companiesXXXX, and XXXX Seterus verified them as correct to the credit agencies. 

This is costing me hundreds every month, because I am trying to refinance and I am being told that my loan is being denied because of the late being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. XXXX  has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( 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, XXXX XXXX never gave XXXX XXXX, or Experian any written consent to report anything on my consumer report, No consent is identity THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally This account was handled by XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, at some point it was transferred to the XXXX XXXX XXXX/XXXX XXXX XXXX XXXX and was in deferred status but XXXX says that it was not in deferred status in XX/XX/XXXX, XX/XX/XXXX and that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am XXXX of a small XXXX, and have been working in and around the XXXX XXXX XXXX for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since XX/XX/XXXX. Forward to XX/XX/XXXX the old account has been closed and a new account has been opened and is being paid to a new company called XXXX XXXX XXXX XXXX, but the old account is still showing as derogatory and says to contact Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my XXXX, XXXX and Experian credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my XXXX Report after a Hard Pull.
Product: Checking or savings account

I just called again- after waiting on hold for 15 minutes and providing all my information- including reading back a code they sent to the mobile phone associated with my account- Citi refuses to give me access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request your help. My name is XXXX XXXX. My SSN is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. There is an account with XXXX XXXX Opened Date : XX/XX/XXXX ; Closed Date : XX/XX/XXXX ; Limit {$3100.00} ; Highest Balance {$4000.00}. Equifax is reporting incorrect information on this account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have never been late in my life. This is the first time that a late payment is reported in my credit history. Equifax is the only credit report in which this late payment is being reported. The other two major credit bureaus ( XXXX  and XXXX  are not reporting a single late payment on this account ). Equifax is being unreasonable. 

If this late payment was accurate, XXXX XXXX  should have sent me a notification by mail or a call, as required by law. The truth is that I never received nor a notification, nor a call because I have never been late on any of my accounts. 

I have a Pending mortgage for {$500000.00} because of this wrong information being reported. I didnt even know about this until my mortgage company denied me the loan. Equifax is committing UNFAIR BUSINESS PRACTICES, NEGLIGENCE, MISSREPORTING LATE PAYMENT, and the list of violations can go on once I sat down with my attorneys. 

This is affecting me in a huge way ; emotionally and physically. Equifax must take the following actions in response to this complaint : conduct a reasonable investigation and correct this inaccurate information. 

If Equifax refuses to do what I am demanding, I will not think twice to take this issue and be decided by a judge in a Court of Law for all the violations committed. Believe me, I dont want to go to court, but if this complaint does not make any effect, I will not hesitate. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with XXXX XXXX  was due. Proving this was not a money factor or even worst that I wouldnt want pay.
Product: Credit reporting or other personal consumer reports

I am disputing a debt reported by XXXX XXXX XXXX on my credit report, which I requested validation for on XX/XX/year>. In response, I received the following documents on XX/XX/year> : Itemized Payment Sheet ( with a statement at the top : the resource of this report item is not reachable ) This document fail to satisfy the Fair Credit Reporting Act ( FCRA ) verification requirements for the following reasons : 1. Failure to Provide Proof of Debt ( FCRA 609 ) The documents do not include a signed agreement or itemized account statement showing how the debt is calculated. XXXX XXXX XXXX did not provide sufficient proof that the debt is mine or that the amount reported is accurate, as required by FCRA 609.

2. Failure to Prove Debt Ownership ( FCRA 611 ) The itemized payment sheet states : the resource of this report item is not reachable, which indicates that XXXX XXXX XXXX can not access the necessary records to prove they have the legal right to collect the debt. This failure to provide evidence of debt ownership violates FCRA 611 ( a ) ( 2 ).

3. Failure to Verify Debt ( FCRA 611 ) Under FCRA 611 ( a ) ( 5 ) ( A ), a debt collector must verify the debt within 30 days. Since XXXX could not provide the required verification, they failed to comply with this section, and the debt must be removed from my credit report. 


NO MAIL please send all communications through cfpb portal with attachments
Product: Credit reporting

On my credit reports they have me down as having a bankruptcy charge and it 's incorrect and because I was late on a couple of bills my name was put on the bad credit list! After paying them off I 'm still on the bad credit list and I paid them off on time in fact early. So what can I do to get my name off or fix this problem please help me. Thank you for your time
Product: Credit reporting or other personal consumer reports

the copmany transunion is reporting unauthorized inquires on my credit report
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my account I did not authorize them XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to report their findings in 30 days. 

Experian XXXX XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$7100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
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, 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 a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX. I had a transaction come out of my Chime Bank account. The transaction was for {$190.00}, XXXX XXXX. I live in XXXX and this company appears to be a XXXX XXXX company. 
I disputed with Chime on Monday XXXX XXXX. They closed out very quickly and they made no contact to the merchant. The insurance company opens at XXXX PST, yet the dispute was closed before this time on the same day. 

Chime sent me through a rebuttal as I requested to recieve documents upon their " findings '' However, again, opened and closed within XXXX minutes before XXXX was open. 

Chime is claiming, because I know my pin card in my head. And, my personal belongings were not lost/stolen. Someone couldn't possibly skim my card. 

Chime is refusing to do any type of deep investigation. They're jumping to conclusions. 

An insurance company is supposed to verify a payment against a policy holder. This clearly never happened, but Chime does not see that. 
Chime is also claiming I didn't close my account, well, yeah, I did when I noticed this payment on Monday. I got a direct deposit paid on Thursday XX/XX/XXXX. I knew how much money I was supposed to have in my account. I do not check my bank account every single day, especially knowing I am not having anything coming out of my account. 

Chime is just not protecting consumer rights and keep closing out my dispute without any official findings and making no contact to merchant.
Product: Payday loan, title loan, or personal loan

XXXX XXXX will not verify the debt. They have been calling 3rd party 's regarding a debt and they as I have asked that they send me something to verify the debt via e-mail or mail and to this day they have not sent me anything.
Product: Consumer Loan

I had XXXX and was out of work for awhile and not able to make my payments I defaulted on my loan and it went into collections about a year later I started getting settlement offers in the mail I responded to the offer of 1/2 price of the {$510.00} On XX/XX/2017 I spoke with XXXX the manager of security finance and told i would paid the settlement of and I would send him an accord and satisfaction letter saying he agrees to the settlement of {$250.00} as payment in full and he agrees to removed the account off my credit file. XXXX signed to letter and sent it back to me and I made the payment per the terms of the accord and satisfaction letter.payment of {$250.00} was debited from my account on XX/XX/2017 and in XX/XX/XXXX I applied for a loan to get a car and was informed that I have a 30day late payment from security finance and that I owe {$430.00} still. I was turned down for the loan for because they are reporting that I am 30 days late and that I still have a balance of {$430.00} with that on my credit report it dropped my score from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several misspelling and inaccurate information on my report incorrect balance amounts. And unknown addresses. Several companies are reporting inaccurate balances. 
XXXX XXXX inaccurate balances XXXX  XXXX bank XXXX XXXX inaccurate balances XXXX XXXX  My address need to be removed because they are inaccurate or inverted by the numeric portion of the address I would like to dispute this information because by law you are required to report accurate information. The compaines have reported inaccurate information and its preventing me from having a place to live
Product: Mortgage

Lender : Carrington Mortgage Services www.carringtonms.com XXXX. XXXX  XXXX XXXX, IN XXXX Phone : XXXX Fax : XXXX For the past 6 months I've been in the process of paying extra money on the account for the sole purpose finishing off the loan. Lender only allows you to pay up to {$9900.00} online per day. So every 4 times month since XX/XX/XXXX I begin to send payments online. Every time I sent money there wasn't any problems from the lender to place payments directly into principal portion of account. Problems began after XX/XX/XXXX, after Lender received its regular monthly payment, taking out interest, principal and escrow. I made another payment on XX/XX/XXXX. Here lender took out another payment for itself of interest and escrow. Up to this date everything was fine with account, customer service stated it would take 15 days to move the money back from interest and escrow to principal. On XX/XX/XXXX money has not been added back to the account under principal. When calling customer service, there claim is that don't see anything on their computer screen. But when you look at the company account website, problem is still posted as money not returned to account. On XX/XX/XXXX regular payment plus additional to principal wasn't a problem. Payment XX/XX/XXXX additional money was added to account, went straight to principal again not a problem. Payment XX/XX/XXXX same as previous day, not a problem. Problem began on XX/XX/XXXX when account was about to be paid in full, after you add escrow to account and the extra interest charge on XX/XX/XXXX statement from XX/XX/XXXX of {$250.00}. Carrington took the last payment of {$9300.00} and split it 7 times on XX/XX/XXXX. Carrington took interest payments 7 times and 7 times of escrow payments from 1 days extra payment after receiving regular monthly payment. Customer service blames me the customer for paying down debt on the loan. Carrington website doesn't allow you to allocate money directly to principal after regular monthly payment has been received. But does allow you to add money. I've been actively paying down debt since XX/XX/XXXX, making about 4-5 extra payments a month. Carrington always applied extra money directly to principal, until the loan was about to be paid off. Customer service told me that my account was extended to XX/XX/XXXX. All in the name of paying them interest on the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, and XXXX credit XXXX agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and charge-offs reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and charge-offs are the result of identity theft and fraud. Ive also attached my consumer report, as well as the screenshots with the highlighted inaccuracy on my consumer report that is effecting my life because of improper use of my credit report by the reporting agencies.
Product: Checking or savings account

Wells Fargo Bank on XXXX XXXX in XXXX NM. Issue : I opened up 2 Trust accounts within 1 weeks time. At the opening, i made it DISGUSTINGLY CLEAR that the Trust mailing address is a PO BOX . The Kid at the Bank had to be told at least 6 times during our conversation/account openings, that NO MAIL IS TO GO TO THE HOUSE ADDRESS GIVEN. I told this kid, i am under contract with the USPS, no mail goes to that house address, only to the Post Office Box. The Banker kid claimed to comprehend and he told me he made a record of it so no mail goes to the house. To make the story short, the Bank has been sending Mail and Checks to the house address, that was forwarded back to the USPS and back to the Bank. When i received 1 letter from the Bank, which was returned and then shipped to the proper PO, i called the Bank to fix their error. The Bank on XXXX XXXX refuses to get a Manager when i demanded 1, this has happened 3 times on 3 separate occasions via Phone. Everytime i demand a Manager to address this issue, they forward the call outside of the bank. I found out through Wells Fargo Corporate that my Checks were sent to the wrong address as well as Account documentations. I filed a complaint with Corporate. I told them to call me after XXXX. Corporate called me around XXXX, several times. I called them back 2 times, only to be told the " Case was dropped ''. So, i paid for Checks and to date, never got them and have not gotten ANY type of letter or documentation from the Bank about whats been going on. I also had to make a Stop Payment, so my debit card was placed on freeze and i was told they would contact me once the issue is resolved. Its been 2 weeks and i have not heard a word and i still have this Bank Card that is not usable. Keeping this short, i addressed this Address issue 4 times and Today ( XXXX ) i get an email from Wells Fargo saying they changed the Address of both Trust Accounts ... ..the address they listed was the WRONG ADDRESS AGAIN!!! This is the 5th Time now they have messed this up. I have experienced nothing but complete and utter incompetence from Wells Fargo and its employees. They listed the House Address for both Trusts. Needless to say, i am closing my accounts ASAP.
Product: Checking or savings account

Our CD interest check was mailed by XXXX  in XXXX of XXXX and we never received it. We filed a fraud report with XXXX  and found our check was cashed at Wells Fargo. We learned through XXXX  that the check was never endorsed. We can not get our interest check of {$520.00} until Wells Fargo pays XXXX. Nothing is happening since we filed the fraud report in XXXX XXXX. I reported this to MN Attorney General of this problem. They sent Wells Fargo a letter regarding this fraud. Wells Fargo send us a letter and said they looked into this complaint and due to the privacy act they can't give us any information and are closing this complaint. This is a federal matter. Someone opened our mail and cashed our check. Neither XXXX  or Wells Fargo will give us our interest money that we have already claimed our XXXX taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments in my account that were not updated. For almost a year now, i have been writing to the bureaus about this but i never received any reaction,
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

Somebody toke money out my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a secured credit card and my Equifax credit report has a " fraud alert '' on it so I called them. I do not have ANY credit. I contacted Equifax and they told me they have no account for me. They told me to send them proof of my SS # and Driver 's License. I did that. They told me 3-5 days to get verified. It has been 18 days now and they will not allow me to pass through their prompts on their Customer Service line anymore. I enter my info and they say " You can not be verified, goodbye. '' I have no other way to contact them to get them to release this inaccurate " fraud alert. '' I tried registering online, same result. I tried 6 different numbers, same result. I finally searched for a direct line and someone answered and put me on hold for 30 minutes. They have no chat, and all the phone numbers lead to same prompts. I do not have any recourse to get them to release this inaccurate information. This company has HORRIBLE reviews and needs to be regulated!