23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Fifth third bank made the decision to mark me XXXX days late on a mortgage which I was not. I was always on time. In the month of XX/XX/year> I submitted a payment. I called this in and was clear when I instructed the agent that I was going to pay months in advance so it wouldn't be credited towards principal. 

on XX/XX/XXXX I submitted a payment of {$14000.00} which was a total of XXXX  months. Since it was XXXX and I paid XXXX already. The months paid up would be XXXX, XXXX, XXXX and XXXX. My next payment would of been in XX/XX/year>. 

In XX/XX/year> I had an automatic payment go through to the bank for the monthly mortgage. I had to call Fifth Third and advise them to send my money back since I paid in advance, and needed the additional {$3700.00} back in my account. This came back until early XXXX. 

After the payment I really didn't give it much thought since I knew I paid XXXX  months. In XXXX I started getting phone calls about my next payment in XX/XX/year>. The XXXX  [ hone call and every other phone call after I had to explain the situation to every agent and be on the phone for countless HOURS of my life trying to understand why this was so difficult to understand for this particular bank. I told every agent I wasn't going to pay until XX/XX/year> because I didn't have funds to pay more. 

Since I didn't pay in XXXX I kept getting daily, weekly, monthly calls about this XXXX payment issue, It happened to carry over, and I had to explain every time I spoke to an agent. It was extremely aggravating this situation that also affected my credit score and gave me lots of stress to the point that I was hospitalized for this in XXXX of 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my credit file. I Have recently received a copy of my XXXX, Experian and XXXX credit reports. The credit reports are STILL showing inquiries that I DO NOT HAVE A OPEN ACCOUNT WITH, and unauthorized. Pursuant to 15 USC 1681 Any inquiries that I DO NOT have a open account with must be removed. This Law also states that for every unauthorized inquiry, by law I am entitled to XXXX per violation. Remove these inquiries immediately, for they are harming me and they are making it extremely difficult for me to acquire credit. I have disputed ALL of these items more once, this is my last attempt to settle this matter. The FCRA also states that the only permissible purpose for pulling someones credit is for A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissable : XXXX XXXX XXXX CARD XXXX XXXX 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 REPORTERS Please remove these inquiries immediatley.
Product: Credit card

In 2023, Citi Bank reduced my credit limit twice with no missed payments and minimum payments made. As a result, my credit score dropped significantly. In XXXX of 2023, I did a balance transfer to reduce the amount of the CitiCard in half and pay more towards the balance to reduce the debt. Again, CitiCard reduced my credit limit which again impacted my credit score. I called to ask why and sent a letter and was told verbally and via letter I could ask for a credit limit increase and stating to them this was an unfair practice of reducing the limit which impacts my credit utilization which in turn impacts my credit score. In XXXX of 2023, I requested a credit limit increase per the letter sent to me from Citi and was denied the increase stating my monthly mortgage payment was not provided which I had updated in the app the prior month. Since then I have been working on paying the card completely off. 

Yesterday, I received a letter from XXXX XXXX  XXXX stating they have made the decision to reduce my credit line after reviewing my credit history, economic and loss trends and consumer reports. My credit score is a direct reflection of the the credit limit decrease by CitiCard and now XXXX XXXX XXXX who have both impacted my utilization scoring. All of my accounts have been paid on time with more than the minimum and I have paid off two cards within the last 90 days totaling more than XXXX. 

If I am one person who has had this happen to them twice, just imagine the others who are in the same position being negatively impacted for utilizing credit and paying them off. My husband has had the same happen to him and has closed all of his credit accounts to avoid this and went into debt relief which should not have had to happen in paying a off the credit cards. This is unfair and malicious. If the end goal is to keep us all in debt just say that. Can someone please take a serious look into this and assist the little people.
Product: Mortgage

this is the Second time that I received a 1099-A for the illegal foreclosure sale on my home this second sale in 2021 auction, that JP Morgan Chase Bank , NA sent me see attached and at the Top it states that a copy of this illegal sale was furnished to the IRS. I just received from the IRS proof that Chase did NOT give the IRS a copy of this sale. I am asking the CFPB to have Chase rescind this illegal foreclosure sale. See attached the IRS transcript and the 1099-A stating at the top that a copy was furnished to the IRS when in fact it was NOT.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681 and 15 US Code 1666 B ), I have the right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. I believe that this late payment entry is incorrect and should be investigated and removed from my credit report.

The details of the dispute item are as follows : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Thank you.
Product: Mortgage

I had my mortgage loan transferred from Flagstar to XXXX XXXX. I got a message from XXXX saying my home insurance wasn't paid. I called XXXX XXXX and they blamed Flagstar, but took my info and said they'll pay XXXX through my escrow. 

I contacted XXXX and they said by the time they get the payment from XXXX XXXX my insurance would be cancelled. The only way to prevent that would be to make the payment myself for over XXXX XXXX. I did make the payment.
Product: Checking or savings account

The sum of XXXX mis handled XXXX XXXX
Product: Debt collection

A fraudulent account is being reported from someone within XXXX XXXX XXXX through NATIONWIDE RECOVERY SYSTEMS. That has previously been deleted in my favor.
Product: Mortgage

I missed a payment in XXXX due to my partner getting laid off. I asked for a modification that wouldn't change my interest rate and was treated very poorly on the phone and told to just wait till they got to it ( this was XX/XX/XXXX ). Each month my payment was showing late because I couldn't afford an extra. They sent me 5 modification packets in the months of XXXX and XXXX with each being different. Finally in the first week of XXXX I got a letter stating my modification was approved and my next payment of XXXX was due on XX/XX/XXXX. I paid XXXX on XX/XX/XXXX. On my loancare dashboard it showed XXXX was paid ( I thought they deferred it ) and XXXX was due. 7 days later it showed XXXX paid. Now they're saying XXXX is due and XXXX was not paid and my XXXX is " unapplied ''. They are demanding over XXXX which I can not afford. I don't know what's next but each time I give them money it just sits and helps nothing. I don't know where to turn at this point but they shouldn't be allowed to raise my payment XXXX a year, charge whatever fees they want, hold my money, and have no communication.
Product: Bank account or service

I opened my Citigold checking account and there was some block on my account. I received the e-mail from Relationship manager on XXXX/XXXX/2016 that account is active and I will receive new debit card. 
Second debit card was blocked too, I was never able to register my account online nor I can withdraw money from ATM machine. I went to branch office on XX/XX/XXXX, they issued my new temporary debit card and promised that on XX/XX/XXXX, I will have access to my funds. 

It 's been 3+ months and I do n't have access to my funds I ca n't close it, I ca n't query the balance. Citibank has taken my money and then put the block on it.
Product: Consumer Loan

Extreme high interest and if I did n't accept the vehicle they were willing to finance they were not allowing me to finance any other vehicle at an affordable price. Now I am stuck with a brand new vehicle I honestly can not afford but desperately needed through a 6 year high interest contract.
Product: Debt collection

I enrolled with a debt settlement company  XXXX . One of the accounts was a Bank of Ame rica ( BofA ) credit card debt.  XXXX  of the other credit cards and debts have been successfully paid off or are still in a repayment program. Payments to BofA w ere initiated  XXXX / XXXX / XXXX  and followed on  XXXX / XXXX / XXXX ,  XXXX , and  XXXX . I received a piece of mail from a law firm in  XXXX   XXXX , AR, offering their services for representation regarding a lawsuit filed against me by  XXXX  and  XXXX  law firm on behalf of BofA. I was unaware of this at the time. My name was also in the Sunday,  XXXX   XXXX , newspaper noting said lawsuit. I contacted my debt settlement company,  XXXX   XXXX , Thursday  XXXX   XXXX  inquiring why I was being sued. They had informed me at that time that  BofA  had already received payments for the debt and would check into this matter. After further communication with  XXXX , they informed me they were in process of negotiating a new settlement with  BofA and c ould not explain why I was being sued. I informed  XXXX  I would contact  XXXX  and  XXXX  and attempt to settle this debt without their assistance. I was formally served the lawsuit papers the evening of Tuesday,  XXXX   XXXX  at my home. I contacted  XXXX  and  XXXX  Wednesday  XXXX   XXXX  and spoke with  XXXX   XXXX  ( spelling? ) and negotiated a settlement with her that same day. Subsequent papers were sent out which I received the following Tuesday,  XXXX   XXXX . I spoke with  XXXX   XXXX  the following day and she informed me the papers I received were null and void and would n't be honored. She asked me to mail them back to her and then later in the conversation advised me to shred them. I still have these papers in my possession. I then attempted to negotiated a second settlement with  XXXX  and was advised to call her back if I did not hear from her. I attempted contact again Monday,  XXXX   XXXX , left message and again Friday  XXXX ,  XXXX .  XXXX  left me a message Monday  XXXX   XXXX  and I attempted return call approximatel y 30 min  after and have not had return call from her through end of business day today,  XXXX   XXXX . I feel I have been diligent in trying to reconcile this debt and I was unjustly sued by BofA, through  XXXX  and  XXXX . L I have spoke with, although have not retained an attorney at this time and have concerns there may be Fair Debt Collection Practices Act violations with this manner. Thank you for your time regarding this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently:-	XXXX XXXX XXXX-	XXXX XXXX XXXX-	XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX -	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Product: Mortgage

I need a review of the mortgage for fraud they do n't want to give a mortgage they have been asking for the same paperwork over and over again, they want foreclosure, I want to get a modification
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX BALANCED {$130.00} XXXXXXXX XXXX XXXX  BALANCED {$1000.00} XXXX XXXX XXXX BALANCED {$480.00} XXXX XXXX BALANCED {$740.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}
Product: Debt collection

XXXX   XXXX   XXXX     To wh om it may conc ern : In  XXXX  I had signed up with a business by the name of Central Business Funding, this company was supposed to assist me in bettering my credit, even though I have excellent credit. They were supposed to get me started in a business, and by them monitoring my credit they were supposed to put me in contact with lenders that would loan me money for this business, using a busines s credit score, as opposed to using  my personal business score.   Central Business Funding was a scam, all they did from the start when I signed up with them, was to charge my accounts for $  XXXX  of dollars. For months they withdrew money out of my accounts, and did not provide the services that they claimed that they would do.   In    XXXX   XXXX   XXXX   , an attorney at   XXXX   XXXX   XXXX   XXXX   XXXX   wrote a demand letter for me demanding that Central Business Funding pay me back the {$1200.00} dollars that I had paid to them for their fraudulent services, and I have not received my money back as of yet.   Now this collection agency   XXXX   XXXX   XXXX   is trying to charge me the {$1200.00} that Central Business Funding fraudulently stole from me.   I need your assistance, I dont owe Central Business Funding anything, nor do I owe this fraudulent collection debt, and since  XXXX  is stepping up for Central Business Funding, between the  two  companies, I want them to refund back the {$1200.00} dollars that Central Business Funding took out of my personal accounts.   I looked up this    XXXX   XXXX   XXXX   XXXX   and  this is what it states regarding this collection company.   They are a    XXXX   XXXX   XXXX   XXXX   XXXX    filed on   XXXX   XXXX   XXXX  . The companys filing status is listed ad Inactive-Dissolution by Proclamation/Annulmen and  its File Number  is  XXXX .   The Registered Agent on file for this company  Is   XXXX   XXXX   XXXX  and is located at  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name 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 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 XXXX 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.
Product: Credit card or prepaid card

Capital one account. I called in XXXX and paid off the full amount which was about XXXX and they closed the account and said it was good. Then I got a report on my credit report in XXXX that there was. XXXX balance on the card. I called and they said it was still interest owed from the prior month. I advised them I paid it off in XXXX and it was closed. Spoke to employee and supervisor who would not work with myself. Told them I would file a complaint. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had several late payments. But here 's the thing, I've never been late on my payments for this account.

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Payday loan, title loan, personal loan, or advance loan

a few months back i was scammed by what i thought was a potioanl emplyer they recieved a copy of my id and my ss card my bank information i keep getting these inquaries and notices regaruding payday loans and credit cards that i did not aply for. i have reached out to get a securtiy freeze form all three credit brues and i am still getting notices from XXXX XXXX XXXX  that my information is still being used i triedto remove the inwuaries and payday loans to no avail this is hurting my credit it has went down XXXX points yall have the wrong number for me it is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Product: Checking or savings account

The bank puts a freeze on my XXXX  deposits. The last one I sent was credited to my account on.XXXX  XXXX and they won't release the funds to my account.
Product: Credit reporting or other personal consumer reports

In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters. 

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Debt collection

Disputed with XXXX Says I still owe debt even though through my last complaint they'd stop says I still owe them will follow with michigan ag about this situation
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the disputed accounts on my credit report. Despite multiple requests for investigation, these inaccuracies remain unresolved, severely impacting my credit score and overall financial stability.

The presence of these erroneous accounts has resulted in significant hardships, affecting my ability to secure financial opportunities and maintain a normal quality of life. I respectfully request a thorough review and correction of the disputed accounts, as maintaining the accuracy of my credit report is crucial for my financial well-being. 

I urge you to prioritize this matter and take immediate action to investigate and rectify these discrepancies. Your prompt attention to this issue is essential to restore the integrity of my credit file. 

Thank you for your cooperation and assistance. I look forward to your swift response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies. '' It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from Equifax, XXXX, and XXXX reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law ''.