23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My XXXX mortgage payment was made to Ditech Financial on XXXX XXXX in the amount of {$1600.00} on the online Ditech bill pay feature on their website. The website only allows you to enter the account number and routing number one time into their payment system when entering the payment. I provided the payment information and selected confirm payment. I received a confirmation email advising payment was submitted. On XXXX XXXX I received a letter in the mail advising me that my payment had not been applied and that I had been marked as 30 days late and a late fee was applied as well. I had the money in my bank account and because a XXXX was left out inin the account number section, my payment had been rejected. I immediately contacted Ditech to advise that I had made my payment on time & had I known before hand that the payment had not gone through due to the omitted XXXX in the routing number, I would have resubmitted the payment before it was marked late. I then made a double payment over the phone. 

The online system at Ditech does not allow the customer to entering the routing number twice to make sure the numbers are correct in order to prevent any errors. Ditech did not contact me by phone after the payment did not go through and and I did not get an email either. Since a letter was sent instead and it arrived causing the payment to be reported as 30 days late. When I asked Ditech to remove the 30 day late notice, they advised that they would not do this. I have paid the late fee, and having the 30 days late has caused my credit score to drop by 80 points. I have small children and the area I currently live in has become more rampended with crime.I am trying to buy a house in a better area, and now the 30 day late is causing me to not be qualified to buy a home. I have never been 30 days late on my mortgage with Ditech. 
If needed a bank statement can be show showing the money was available on XXXX XXXX for the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian & Equifax Just updated my closed account payment history when I disputed the sol of the account being too aged. 

They have violated multiple laws I demand for them to delete everything and stop having XXXX XXXX XXXX XXXX destroy my credit.
Product: Checking or savings account

i have been a long time wells customer in XX/XX/2007 my loan was here and i got offers for free checking no minimums My loan was TRANSFERRED out and as a result i have lost all my perks and am getting billed fees. I want them refunded i wish my crown to stay here at least XXXX with no minimum required. AS it was grandfathered. i dont want to have to leave the bank. This is not fair right now i have a fee on XXXX and XXXX will likely be billed this is not right or fair PLEASE help me or i will have to leave the bank altogether. i dont want to i did not ASK for this HELP no red tape no scripts Help for loyalty Just got hung on by CS pull the cALL no fees please refund my money in XXXX put in XXXX and give me time to go elsewhere if you cant help me i cant and should not have to pay fees
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, Equifax 's data center was breached. It was not until a full 29 days later that Equifax made this information public. 

My social security number, address and full name have been made known to people who should not know that information. This is a permanent problem. For the rest of my life, I must now watch my credit like a hawk, wondering if today is the day that someone opens an account in my name and ruins my chances of getting a loan, buying a car, renting an apartment or buying a home. 

This problem will never go away. And this affects 60 % of the adult population of America.
Product: Credit reporting or other personal consumer reports

This morning, I discovered some incorrect accounts on my credit report, and I have no clue why they are there. I check my report regularly, but these discrepancies appeared out of nowhere. I even tried refreshing the page, thinking it might be a system error, but nothing changed. Therefore, I ask that my submitted documents be carefully reviewed so that I can finally put this issue to rest.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent authorization of this account. This information is inaccurate and affecting my livelihood due to the furnishing of this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX ILLINOIS {$570.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX$320.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1500.00}
Product: Debt collection

I am writing to formally express my concern regarding the continued harassment I have experienced through repeated phone calls and emails demanding payment from the University XXXX XXXX, despite my explicit request to cease such communication. This persistent contact, particularly after I asked not to be called or emailed, has caused significant distress and frustration.Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d and 15 U.S.C. 1692f, it is unlawful for debt collectors to engage in harassment or use unfair means to collect a debt. Additionally, 15 U.S.C. 1692c ( c ) clearly states that if a consumer requests in writing that communication cease, the collector must comply. By disregarding my request, your actions have violated my rights under this federal law.I ask that you immediately cease all communication regarding this matter, and I expect confirmation that no further harassment will occur. Additionally, I would appreciate it if this matter could be addressed fairly and without further violation of my consumer rights.

Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phh Mortgage is claiming that my accounts, i have 2 with them are closed, and in Bankruptcy.. i have never filed for Bankruptcy or plan to, and when i ask for them to give me information on my accounts, their telling me i need my lawyers to contact them if i want any info.. i dont have a lawyer or need a lawyer if my account are in good standing. This is not right if they made a mistake with my accounts they need to fix them, and provide me information why this is happing to my accounts.
Product: Credit card

I am writing to seek assistance regarding a serious and ongoing issue of cyber security and identity theft that I have been experiencing for over a year. It began XX/XX/year>. I started noticing my apps were altered, my passwords were constantly being changed and still is, my information gets altered, they have tried to personate me. Despite my efforts to secure my personal information and take preventive measures, the hackers continue to exploit my identity, causing significant distress and financial harm. In XX/XX/year>, I changed phone carriers and switched to XXXX. This is where the issues escalated. My phone number was different, my bill did not match my XXXX. information, and my XXXX account sometimes did not match the XXXX number. Additionally, my devices would occasionally show another name. My passwords began to be changed, my apps looked strange, my downloads were missing and indicated they were on another device. I noticed screen sharing on my devices, my camera light turning on, and overheard conversations coming from my phone. I notified XXXX and began paying for XXXX XXXX in XX/XX/year>. I filed a police report in XX/XX/year>, left XXXX, purchased a new XXXX XXXX XXXX, and started with XXXX in XX/XX/year>. Despite these efforts, the hackers have persisted in their malicious activities. I purchased an XXXX XXXX XXXX, hoping that the advanced security features would help protect my personal information. Unfortunately, the hackers have persisted in their malicious activities, even with this new device. I am a school social worker at a district for public schools and a mental health counselor.Since the very beginning of this ordeal, I have had XXXX XXXX, but they have not provided the assistance I need. 

As a result, my Victoria Secret decreased my limit and haven't work with me during this ordeal. And my credit score has suffered significantly. Despite providing police report numbers and filing fraud disputes, my situation remains unresolved. My payments are constantly late, leading to increased fees and higher minimum payments. I spend hours every week on the phone with various entities trying to resolve these issues. Not even during XXXX. But yet they didn't work me, nor cared I was the victim, and treated me with no respect. After them closing me account, I still make payments even them closing my account. I mean it was quick for them. And little by little I have lost everything I worked so hard to do. And I am the victim here.
Product: Credit reporting or other personal consumer reports

Misuse of Product - LexisNexis IAPD Case : XXXX, Incident : XXXX, Requested an audit of any and all search ( es ) made of my personal information, my minor childrens personal information, as well as associates, friends and family members, made by user employed at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Nevada. User/employee illegally used LexisNexis to monitor background, credit, and worth ; has searched information of usefulness in credit, income, assets, and capital, as well as debt information about myself, my XXXX children, and other associates for reasons other than work related. Illegal searches were made approximately XXXX through the present. 

XX/XX/XXXX, I called LexisNexis; started an investigation and the rep told me I would receive the results by mail within 60 days. I have received nothing from LexisNexis and my attorney 's subpoena goes ignored or redirected.
Product: Debt collection

Zwicker and Associates sent me a letter on XX/XX/2021 about an alleged debt owed to XXXX XXXX. I sent a cease and desist as well a debt validation letter with a green receipt that was received on XX/XX/2021. For the validation of the debt ZwickeXXXX sent me statements and terms and conditions pages. They never provided me the address and name of the original creditor. They have since taken legal action against me and filed a lawsuit. This is a violation because a debt collector can not be an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to Experian, XXXX, XXXX. They claim they verified all information with furnisher who is XXXX XXXX. I call about complaint because CFPB said they needed more information. Called Experian the person on the phone couldn't find any info on complaint as per XXXX,. I gave them this number and they pretended to not know what i was talking about.
Product: Credit card

Reporting inaccurate information which causing denial of any kind credit and loans
Product: Credit card or prepaid card

I am a XXXX women. Today I attempted to use my XXXX XXXX credit card in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX. I could not. I received a email yesterday. The payment I made leaving XXXX balance had posted. Yet, I could not use the card as I expected today. I had to alter my planning for evolving my use for credit performance to increase by credit score. I attempted it several times assuming it was an error. Receipt # XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX
Product: Payday loan, title loan, or personal loan

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX ID Restoration. Case # XXXX. This was due to a XXXX XXXX by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX l
Product: Mortgage

SLS had misapplied a payment for XX/XX/XXXX. Because of this they put funds in a suspended account. Beginning in XX/XX/XXXXthey began reporting to credit bureaus that the mortgage was in late payments. I've made several calls trying to clear this issue up. After speaking with different Representatives on different occasions it was determined that the funds that are in suspend we're being held because they did not apply from the XX/XX/XXXX payment. I have emailed copies of my bank statements showing that the payments were drawn in timely matters for each month of the remaining year of XX/XX/XXXXand the beginning of XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX named XXXX that refuse to take my situation up further to a supervisor or remedy the problem that clearly exist. In fact, he told me to fill out a complaint with CFPB instead of actually dealing with the situation and correcting it. I find this in extremely unethical way of dealing with a situation with a consumer. In addition, the email with attachments showing my bank statements has not been opened 5 to 7 days after it was sent to SLS. When I asked why my email has not been open and reviewed I was giving the fact that they were too busy to process the emails. Within an hour after my contact in discussion I received a call from another department at SLS telling me that my current XX/XX/XXXX payment is late. My bank statement shows that payment was withdrawn from my account on XX/XX/XXXX. I am receiving calls monthly that harass this situation to the point that I just ignore them. In addition to reporting late payments, that are not late to the credit bureaus, they are adding late fees over and above what should be assign because the loan payment is not late.
Product: Bank account or service

On XXXX/XXXX/2016 I applied for a Citigold Checking Account online and provided the code I received for a promotion of XXXX XXXX after spending {$1000.00} dollars in purchases and making XXXX direct bill payments. Citibank accepted my application and I printed the page where it stated that I had responded to this promotion. ( see attachment ) I completed the requirements for the promotion. ( see transcript of chat attached ) I sent a secure message to Citibank asking when the miles would be deposited and they answered that I " was not targeted for the promotion ''. 

This answer is not acceptable. They accepted my application with the promotion and their customer service representative confirmed I met the requirements. 

I opened XXXX investigations and still have not received a favorable result. 

I expect Citibank to honor this promotion. This looks like a dishonest marketing strategy to attract customers to open an account that has a $ XXXX monthly fee.
Product: Credit card or prepaid card

I have requested help previously with my wells fargo account Account # XXXX in regards to a late reported to XX/XX/2020 which occurred during the unprecedented time which has impacted me. Along with that A financial accommodation was made for the late payment in XX/XX/2020 fees were waived. On the latest credit report it lists a late pay in XX/XX/2020. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies. If you fail to make the correction this may make you liable for willful negligence ( FCRA 1681 )
Product: Credit reporting 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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX  Balance : {$690.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute to Experian via certified mail with return receipt # XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. XXXX. Concerning my consumer report being incorrectly frozen or incorrectly merged with that of another consumer by Experian. To date I continue to be prevented and Blocked from retrieving my personal credit reports from Experian via XXXX XXXX XXXX website. As this is not an isolated issue. I have complained to CFPB and had this issue escalated to XXXX XXXX XXXX. which operates XXXXXXXX XXXX XXXX. Experian is one of three co-founders of XXXX. Which makes it legally Experians responsibility to assure that consumer credit reports are being released with the utmost accuracy. If not, this is a direct violation of the FCRA Act. 

I submitted a complaint to XXXX XXXX XXXX via CFPB website XX/XX/XXXX. To make it aware that I was being blocked from retrieving a free copy of my consumer credit reports. Which are my rights according to the FCRA Act and federally mandated. To date XXXX XXXX XXXX has failed to correct the issue. I am still being blocked from accessing my consumer credit reports. Which is a blatant violation of FCRA Act. 
FCRA Act section 15 U.S.C. 1681e ( b ) mandates that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If these procedures are not followed, it is a violation. The FCRA requires that the credit reporting industry implement procedures and systems to promote accurate credit reporting. On numerous occasions the consumer has made Experian aware of this issue and requested it to be corrected to no avail. Despite actual knowledge of my credit file being mixed possibly with that of another consumer and or inaccurate. Experian has failed to correct and continues to illegally block me from my consumer reports. Which means Experian could be guilty of readily selling false information to third parties. As I have no way of retrieving, reviewing for errors, and disputing inaccurate information. 

Experian responded to my certified dispute letter via an email. Experian inaccurately claimed that the dispute letter was not from me directly. Which is incorrect and a usual stall tactic that Experian uses to prevent consumers from adequately challenge errors on their credit reports.