23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019 we were advised by Annie Mac Mortgage representative, XXXX XXXX XXXX, that our loan was ready to close. Our closing documents were sent to us which listed our Cash to Close as {$1300.00}. My wife, XXXX XXXX, and I signed the paperwork and sent it to Annie Mac and the Title Company, XXXX XXXX XXXX. We were advised to wire the money on XX/XX/XXXX once the title agent sent us the information. On Monday XX/XX/XXXX at XXXX hours, we were advised by the Title Company that Annie Mac was sending over new closing documents to correct the Cash to Close. We were told the amount had increased to {$6300.00} and given wiring instructions. We were not given the mandatory 3 business days to review the change in closing costs associated with the loan and expected to wire the money by XXXX hours that same day. Our Mortgage Broker, XXXX XXXX, had assured us that the mistake was a " massive clerical error '' and that they would " do the right thing and give us the {$5000.00} as a principal adjustment after closing. They said the amount increased because they had us signed up for the " wrong program '' that also required " more seller cash to close. '' Upon reviewing the closing documents closer, there is a {$3500.00} seller credit removed from one set of closing documents to the other. We wired the money under the instruction of the Mortgage Brokerage and Title Agent, with the understanding the $ XXXX increase would be applied post close to the principal. Since closing, we saw no principal adjustment and when finally pushed, were given a {$1700.00} adjustment and instructed " that was everything we owed you from the program. '' In Summary : Closing Costs Raised by $ XXXX 16 hours before closing and three hours before deadline to wire money. Promised $ XXXX increase as principal adjustment by brokerage. Given a {$1700.00} adjustment and told they owed us nothing else.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX
Product: Debt collection

Plus Four Inc, is a collection agency that was hired by XXXX XXXX XXXX in XXXX XXXX, NV This company tends to manipulate the amount by increasing the amount of their claims every month for the purpose of negatively affecting the customers credit profile by lowering the scores. The claimed that I owed a {$100.00} and not it is {$120.00}, which was increased intentionally to affect my credit report Same company went ahead a posted an amount of {$770.00} on my, also posted a {$340.00} amount to show that I had paid down the amount and only owed the {$340.00} as of date. They refused to show proof of validation of the amounts of {$120.00} and {$770.00} and I request that they remove the entire accounts from my credit under the FCRA regulation of false statement to collect. This is an illegal tactic to collect, and should be deleted from all credit bureaus.
Product: Mortgage

XXXX  transferred t o Selene finan cial and had overcharged me by {$13000.00} Dollars and raised My escrow to {$560.00} when taxes and ins only {$200.00} per mo.      XXXX  charged me outrages late fees along with  Selene Financial when I was in review for modification.       Loan  has been securities and transfe red 7 times af ter mortgage ins paid it off in  2003.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 Experian continues to report an inaccurate account on my credit report from XXXX XXXX. I have written several letters in an attempt to correct this issue and no progress has been made. At this time, no information or proof has been furnished to establish that this debt belongs to me. This incorrect information is severally effecting my credit score at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX that was originally opened back in XX/XX/XXXX. I have been disputed the status of the account on my Experian credit bureau report for several months now due to fraudulent charges from a lost/stolen card reported back in XX/XX/XXXX I believe. Honestly I can not remember the exact dates as it had been a long time ago and aot had happened, but I can tell you this much my Identity was stolen at some point late in XX/XX/XXXX including social security number and my banking information among some other personal information. So not only was my XXXX credit card compromised at some point in XX/XX/XXXX or beyond, but my identity was compromised as well. I had filed police reports about my identity theft with the alleged person I think was the perpetrator. However nothing was ever done to prosecute him to the best of my knowledge. Although I did provided the local police department in XXXX IA with some evidence, they seemed to have lost the evidence I provided them. I feel like the police either didn't care about my case or he had somebody working with him from inside the police force itself. You know as well as I do that there are crooked police officers out there unfortunately. Anyway, I filed all fraud reports with XXXX XXXX XXXX in a timely manner and to the best of my abilities. However, if they requested any follow up with me, I was out of state after XX/XX/XXXX due to some personal issues. I'm not sure when the account actually went into a negative status, but it never should have due to the fraudulent activity on the account from the loss of the card I previously mentioned in this statement. I have nothing further to add at this time. Please refer to all my previous disputes I filed with the Experian credit bureau specifically. Thank you for your time and understanding in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. XXXX is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only XXXX and TransUnion. XXXX XXXX is being reported inaccurately on all three ( XXXX reporting a late payment in XXXX while XXXX and TransUnion are XXXX late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is XXXX payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on XXXX as inaccurate.
Product: Checking or savings account

This is a matter regarding Capital One. In 2008, I purchased several XXXX XXXX XXXX at XXXXXXXX XXXX which was subsequently absorbed by Capital One. Recently this year, I discovered two of the XXXX 's in my safe that had not been cashed. When I went to cash them, I was informed that the monies from the XXXX 's had been placed into my bank account once Capital XXXXne became responsible for them. It must be noted that this process occurred over 12 years age. When I requested documentation and evidence regarding this matter, Capital One stated that after 7 years, they are not responsible to maintain records on accounts. With that being said, how was Capital One able to have records about monies being transferred from the XXXX 's to any other account. Clearly, their response is contrived. They dropped the ball. They are trying to steal {$17000.00} plus interest from me. I have the the XXXX XXXX 's. In order for them to be cashed, I would have to endorse the back of them and give them to the bank clerk for processing. Capital One even denied that was the process which by the way, was the manner in which I cashed all of the others. In addition, Capital One created a financial hardship for me with their mishandling of {$30000.00} that I had deposited by sending the money to an Unclaimed agency. The money was in Bank Checks which I later was informed had a 5 year life. Capital One has been negligent in explaining their policies and time frames for XXXX 's and Bank Checks. And, in this case, they are trying to cover their tracks by claiming they have no records to verify their claims of what happened to the XXXX funds..
Product: Debt collection

I had sold a phone i got and called my cell phone provider XXXX to close the account and cancell my service. They said they will get it taken care of. Got a bill in the mail a month later with ridiculous chargers. They never closed the account and the person I sold the phone too was using my old service which wasnt an unlimited plan. 

I call and dispute and they said they would fix it and dont pay the bill. So I dont Then I get 2-3 more bills in the mail with late fees and more charges from the provider. I dispute again and they tell me that I never asked to close the account. Which I did. So then they finally close the account and they tell me that I still owe that money even tho they messed up big time. 

I create a XXXX complaint and have corporate call me 3 times. By now they already but my stuff into collections still while its in a dispute phase. And they said they would look into it and they apologized but they never got back to me. When I followed up I got the head of corporate on the phone and they ensured it was going to be taken care of. 


3 years later its still in collections and they are still trying to collect a debt I dont owe. I disputed the debt with the collection agency multiple times. And they hang up ever single time. I call them back and they still hang up. 

I recently successfully disputed it without a hang up and they still are destroying my credit with false claims. I told them to send a itemized bill and proof of debt and they havent sent anything to me. No proof that its owed and no proof that it is my debt. 

Yet its still impacting me and my family.
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated.

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Debt collection

I keep receiving debt collection calls and letters for a debt that was charged off and collected almost 20 years ago. XXXX XXXX XXXX was the original creditor, who repossessed a vehicle and sold it at auction. The original creditor sold the vehicle at a price that covered the whole balance owed. The harassing debt collector is Jefferson Capital Systems LLC. I have contacted them and have tried several times to stop the harassing, but I am still getting harassed with calls and letters for debt from 20 years ago. Jefferson Capital Systems LLC is in violation of statute of limitations. I am considering filing a lawsuit against Jefferson Capital Systems LLC for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXXThese companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX  they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXX, IL ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also Transunion deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute. And I also have an unauthorized hard inquiry from XXXX bank that shouldn't be on my file
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness. 

See letters for the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors/ Accounts : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX OF XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER : XXXX in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX Account Number : XXXX Description of Inaccuracy : XXXX shows account is charged off account # XXXX XXXX & Experian shows account XXXX is unknown and the payment counter is inaccurate with all XXXX bureaus I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have the full account number but this is the number reporting on my credit report. 

However stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute early last year. I have postal documentation showing another dispute was received by the company on Experian XX/XX/XXXX and ( XXXX XXXX XXXX ) XX/XX/XXXX. I received no response other than verified. I called XXXX on XX/XX/XXXX and spoke with XXXX at XXXX requesting further investigation under FCRA section 611. I spoke with XXXX at XXXX on XX/XX/XXXX at XXXX am. I spoke with 3 reps ( ( XXXX, XXXX XXXX XXXX and was ultimately transferred to XXXX in special department at XXXX pm on XX/XX/XXXX. I asked for details other than just verified because there were still discrepancies for the XXXX XXXX XXXX account that was deleted on XX/XX/XXXX and reinserted without notice, XXXX, XXXX XXXX and XXXX XXXX None of these accounts have been investigated properly. I asked for further investigation and received no response. It has been well past the timeframe allotted to update/modify or delete the accounts after a reasonable reinvestigation into the discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed XXXX through XXXX. Student loan XXXX XXXX, XXXX XXXX ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. This company report late again in XX/XX/XXXX. I clearly ask them to mail be the form, the rep said ok in XX/XX/XXXX. All of a sudden, they emailed me the form and reported it yet when I question them. I did not ask for email, I called for an update and they simply do what they want to do. XXXX XXXX XXXX XXXX XXXX XXXX has been hit with a class action lawsuit alleging that it intentionally violated the Fair Credit Reporting Act ( FCRA ) and damaged the credit score of borrowers.XXXX  XXXX, XXXX, As a company they are suppose to offers all options, forbearance, income driven plan, or any other option available to the borrower, time and time again this company negligence impacts my credit score years later. It is not right at all. I was a victim of identity theft. I contact the company several times to update my info. please see attach ment
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

XXXX Account Number XXXX I have disputed this alleged " debt '' of {$810.00} ( which I absolutely do not owe ), in writing, and in response to repeated phone calls, since XXXX 2017. XXXX does not acknowledge I dispute the debt and just keep calling. I have told them I do not owe it and will not pay it. I have contact XXXX XXXX XXXX ( creditor ) several times, as well as my insurance company ( XXXX XXXX XXXX XXXX XXXX ), at least 10 times, telling them the " debt '' is a result of THEIR mistake in processing the claim, and that I will not pay it. It 's bad faith, and it 's harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible. and please update my phone number to XXXX thank you.
Product: Debt collection

XX/XX/23 XXXX My credit is poor, I checked up what's holding me back. It was Capio Partners IIc. 
I was never notified about a bill, not a letter or phone call. I talked to a lady about it, and all she did was laugh, saying " lol '' unprofessional, also kinda rude too. 
I heard there was a lot of frauds and scams behind this company. Asking what this company does, refuses to say or verify what they do. They also wanted me to download a app called, XXXX I never heard of ( no reviews about it either ), and wanted me to connect to my bank information which it was sketchy. I saw the reviews from XXXX, and saying people have experience harassment and threats from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SANTANDER BK Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.