23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Private Mortgage Insurance ( PMI ) of XXXX $ was established and signed on Closing disclosure for my home mortgage. I was paying this amount to the original lender ( XXXX XXXX ) of this loan. Everything was going good. 

I recently got notified that my loan is now sold to WellsFargo. Wellsfargo is not following the PMI amount ( XXXX $ ) established on Final Closing Disclosure and changed my PMI from XXXX $ to XXXX XXXX They are charging me XXXX $ more than the amount finalized on closing disclosure. I understand that property tax and home insurance are subject to change but Principle, Interest and PMI amounts MUST NOT be altered during loan term. I repeatedly explained them that they are not allowed to tamper with legal closing disclosure documents and it is illegal to alter PMI amount finalized on closing disclosure. But still they are not fixing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX XXXX/NELN '' and " XXXX XXXX XXXX XXXX/XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting inaccurate information after i have requested them to validate these alleged accounts that I did nonauthorized nor does these accounts belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX more than 60 days ago and still no response I will like these accounts delete. This company never responded to my dispute for accounts : NCB MANAGEMENT SERVICE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX did an investigation and deleted all 3 of these inaccurate accounts. It is this company 's duty by FCRA and FTC to report precise and accurate information. below are the results from the other 2 Consumer reporting agencies that deleted these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX the consumer, received correspondence from complaint # XXXX sent from EQUIFAX dating XXXX ; EQUIFAX conducted an investigation on my consumer report & found the accounts in my dispute to be inaccurate and unverifiable ( see attached file ). In correspondence EQUIFAX made clear I have the right to request the description of the procedure used to determine the accurateness and completeness of the information ( see attached file ). Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation. According to FEDERAL LAW, this must be sent to me within 5 days upon receipt. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the inaccuracies in the incomplete information. ( Example : Contract, audit trail, failing to have my written permissible purpose ). According to FEDERAL LAW, this must be sent to me within 15 days upon receipt. Furthermore EQUIFAX knows or should know that pursuant to 15 usc 1681a ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is OBTAINED through PERSONAL INTERVIEWS with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. HOWEVER, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Im now requesting EQUIFAX provide me the name ( s ) of the person who theyve interviewed on my behalf to discuss my non public information to conduct the investigation and determine the investigation results. This is VITAL for me to know. Im a victim of identify theft and need to take necessary precautions. Thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I received email notification from XXXX XXXX on XX/XX/XXXX that remarks were changed on my credit report about an account previously held with XXXX XXXX XXXX. In inspecting this change I noticed several negative changes to my XXXX XXXX and report due to this account. The account now lists Date of first delinquency more than 1 year after the closing of the account. The account was closed by the grantor on XX/XX/XXXX and is stated on the credit report. This was due to delinquency leading to account closure and then charged off. The first missed payment however, is now being reported as XX/XX/XXXX. I disputed this information on XX/XX/XXXX with XXXX XXXX XXXXXXXX, Transunion, and XXXX. All disputes returned by XX/XX/XXXX with the comment that this information is accurate and would not be removed from credit report. The balance left on the card was already in dispute originally with the bank as there was fraud on the account that lead to them allowing it be overdrawn significantly and despite having to pay that back, the remaining balance was accumulated late fees, overdrawn fees, and misc. processing fees. I refused to pay the additional fees as I was forced to pay fraudulent charges that they allowed to overdraw my account by nearly {$1000.00} beyond its approved limit. Subsequently, it was charged off. This is now an obvious attempt at re-aging the account to continue reporting negatively against consumers they can not collect from and violation of the FCRA.
Product: Debt collection

I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ACCOUNT THAT I DID NOT AUTHORIZE OR BENEFIT FROM I HAVE ATTACHED AN FTC REPORT IN HOPES OF GETTING THIS ISSUE RESOLVED I NEED THIS FRAUDULENT ACCOUNT REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfers

I availed the money transfer from Transfast.com. I filled up the information needed and when the application was submitted the amount was immediately debited from my account. The next day, they sent me an email that they cancelled my transaction and informed me that they will refund me the money with XXXX business days. I followed up with them many times and they keep on saying that they will refund me the money back into my account. As of the time of writing, I have not yet receive back my money from Transfast.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, This is a follow-up to my complaint against Citibank ( Case # XXXX ). I received a response ( dated XX/XX/2023 ) from Citibank claiming the wire which was initiated through XXXX XXXX on XX/XX/2023 was was sent to XXXX XXXX XXXXXXXX on XX/XX/2023. The letter ( Citi Reference Number : XXXX ) advised that if the money ( XXXX ) has not been credited to the beneficiary ( XXXX XXXX ), to reach out to XXXX using the reference number XXXX. Today ( XX/XX/2023 ) I called XXXX XXXX who confirmed they had not received the money. I also followed up with XXXX who claimed they had not received the money on XX/XX/2023 ( as claimed by Citibank ) or any day thereafter. XXXXXXXX XXXX  XXXX advised that I ask Citibank to provide a proof of payment ( beyond the reference number ). I followed up with Citibank ( Citi Executive Response Team ) on XX/XX/2023 and spoke to a representative who had investigated this case. The representative was courteous and professional, but he said he could not do much more other than advising that I continue following up with XXXX XXXX XXXXXXXX ( the same bank that states they have not received the wire ). Citibank also indicated they are unable to provide any additional proof of payment beyond the reference number. This is certainly unacceptable. I am of the view that Citibank has the ability to reach out to XXXX XXXX XXXXXXXX, with whom they have a professional relationship, to settle this issue and have my money returned to me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XXXX and noticed that an account that has been reinserted on my credit report. I wrote the credit bureaus certified and asked them how they verified, and certified the account and why I did not receive 5 day notification. 
They have violated my rights per 15 USC 1681i ( 5 ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has tried to submit an application with Capital One on XX/XX/2023 at XXXX - of course it did not go threw so to I have my account frozen for the past 3years. Someone out there has my social and ID information trying to get credit cards or loans under my name.
Product: Debt collection

I noticed a negative collection account on my credit report that I was not familiar with. I disputed this account through the three credit bureaus and it came back as verified by the collection agency to the credit bureaus as being accurate. I then sent a faxed letter to the collection agency asking for documentation such as a signed agreement, billing statements, and something showing they had the right to collect the debt on behalf of the original creditor. They responded with a letter showing the balance they are seeking to collect and no supporting documentation that shows I owe this debt and owe it to them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have to refile this complaint to XXXX XXXX XXXX because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX XXXX My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus.
Product: Debt collection

In accordance with the Fair Credit Reporting Act ; GLA Collections This company continues to violate my rights. 15 USC 1681 section 602a : States, I have rights to privacy. 15 USC 1681b : Also states a consumer reporting agency can not furnish an account without my written instructions. This collections account is in direct violation of 15 USC 1692g, 15 USC 1692c, 15 USC 1692j, 15 USC 1681a ( 3 ), 15 USC 1681a ( 2 ) ( b ), 2021 IRS Publication 468, 15 USC 1681n, 15 USC 1681o, and 15 USC 1681e. Take this off my report immediately. The credit reporting system should not be used to coerce people into paying medical bills that they do not owe.
Product: Mortgage

My lender, XXXX, has not paid property taxes for my home. As a result, a XXXX has been placed on the property and goes to auction this Wednesday. 

I've communicated with my lender who claims that payments were sent, however the county treasurer notes no payments have been made. I've reached out to my lender several times and have not recieved any updates on the status of taxes. As of this morning ( XX/XX/14 ), the county treasurer still has my taxes as unpaid. Seeing as the XXXX goes to auction this Wednesday, it is likely I will need to pay taxes out of pocket. 

I am writing this to make other lenders aware of XXXX 's lack of follow-through and communication.
Product: Mortgage

I'm upset that I am having to file yet another complaint against NFCU and their mortgage division. I am in a difficult financial situation now since my spouse passed away and losing quite a bit of income. I updated NFCU as to my current situation I also speak for a few who feel bad they they are having trouble meeting their monthly expenses like I am. Today XX/XX/2023 I made my past due mortgage payment before it was 30 days late and reflected on my credit report as delinquent. After I set up the payment as I always do only to have it rejected with a notification to contact NFCU by phone to complete the process. I was LOCKED OUT of my account and could not process any payment online like I have every other time except once when I was late making my mortgage payment then but assumed it was not their common practice.especially after a lawsuit alleging the very same behavior a few years ago. Clearly NFCU is not concerned with their customers experience in making payment 's on their loan. I told the customer service rep how upset I was and she agreed that this practice is common and unfair. Additionally over the course of a few weeks NFCU called my cell phone a minimum of twice, sometimes 3 times a day every day which is quite a bit more than they are allowed to do by law.In fact they completely filled up my voice mail. I know I am late but to have them harass me on the phone especially while I am going through the grieving process after losing my spouse suddenly is too much to bare.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complainbt stating it is not me. I am a natural person and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus XXXX, TransUnion, and XXXX about public information reporting on my Credit report from the US bankruptcy court. I have asked them how did they receive the information being the bankruptcy court stated that do not give nor report this information to the credit bureaus. I would like them to delete this information off all XXXX of my credit reports as it is being reported without my consent. 

I have also asked all three bureaus to update my name as it appears on my drivers license. All three are reporting inaccurate name spelling and addresses that is not associated with me. I have asked that all information be deleted that is not accurate and they have not done so. My correct info is as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My employer iXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charged-off account by XXXX XXXX XXXX XXXXXXXX XXXX my Experian credit report. This situation is a prime example of the practices for which the Consumer Financial Protection Bureau ( CFPB ) is currently suing Experian in the U.S. District Court for the Central District of California ( Docket No. XXXX, filed XX/XX/year> ). Experian 's continued reporting of inaccurate and unverifiable information, as well as its failure to adhere to its obligations under the Fair Credit Reporting Act ( FCRA ), reflects the same misconduct alleged in this case. 
This account was previously removed from both XXXX and XXXX after they determined the account could not be verified. However, Experian continues to report this account despite its inaccuracies and my supporting documentation. Additionally, I have a 1099-C Copy B issued by the IRS, which confirms the debt has been XXXX. Per federal law, this XXXX debt is no longer collectible and must not be reported in a manner that misrepresents its status.
Product: Mortgage

I applied for a mortgage on XXXX XXXX on First Citizens Bank 's website. After I waited about two weeks for a response from them, I called them to figure out what happened with my application. From there, a representative told me that my banker was XXXX XXXX, and gave me his number. I called numerous times until he finally returned my phone call. I thought this would speed the process up to keep up the communication, but I have been chasing XXXX XXXX ever since. I have called numerous times, I get the run around on why I ca n't even get a pre-qualification letter to look for homes, he keeps asking for all of this documentation, and I even got his manager to push him and I still am here on XXXX XXXX with no answer. I am tired of waiting on an answer from them. I feel that if they were going to deny me, they could 've done that in XXXX, because they had more than enough relevant information then, but to put me through this for months, treat me differently than your other customers, and denying me the opportunity to go through the process is wrong. In their own process, it states I should have gotten the letter to look at homes months ago, but I am being told I have to go through the process before I even get to step XXXX, which makes no sense. I get no answers on why I am not even following their own process and still no answer. I just want someone to at least force them to give me an answer so I can just move on if it 's not going. Making me wait months is not the way to go about this, and denying me equal treatment feels like I 'm being treated unfairly. If this is how banks are operating after they caused the recession, no wonder house sales are so low. If this is how customers are treated now, no wonder they give up on buying a home and pay rent instead. That 's where I am right now, and I should n't feel this way when I have been given all of these reassurances with no results. I have more specific dates and times, but it 's going to take me time to compile all the times I tried to contact them with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notice of a credit reduction from XXXX XXXX. The bank cited a derogatory public record or collection filed as a reason for reducing the credit limit. As a result, I checked my credit report and found that a derogatory collection was filed by XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. I have never done any business with XXXX XXXX and believe this a predatory and fraudulent collection attempt. 
Please be advised that this has happened to me before. In XXXX, I filed a complaint with you ( # XXXX-XXXX ) for a similar incident. The complaint resulted in the removal of the record. 
Now I believe this firm is baiting me to collect a larger sum and I am turning to you to correct it and penalized them if the law provides.
Product: Debt collection

XXXX XXXX is Wrongfully harassing me for debt I have no knowledge about and reporting negative and incorrect information on my credit report