23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a previous complaint, # XXXX, I'm not sure why it closed, as soon as they answered the complaint to you, you closed it. Seems like you would have questioned me to see if their answer was acceptable. I have been communicating with XXXX XXXX at Wells Fargo, since before XX/XX/2021. I paid off a line of credit based on my online balance. They even asked me if I wanted to close the line of credit, or leave it open. I left it open. Then they came back with approx. {$1100.00} in interest that was still owed. I asked for a spreadsheet with information showing me how they came up with this. The spreadsheet clearly shows they carried interest forward over many months while I paid large amounts to pay off the loan, over time. 
My contract with Wells Fargo clearly states : " Application of payments. Payments will be applied in the following order : First, to the accrued but unpaid promotional Finance Charges due : next to non-promotional Finance Charges due : next to any Fees that have been charged in accordance with the terms of the Agreement. The remainder of any payment will be applied first to any unpaid promotional Advances and then to any non-promotional Advances. Promotional Advances and Finance Charges refer to offers to use my Account on special terms that you may make to m from time to time : ... '' Clearly this did not happen or they would never carry forward an " unpaid interest '' amount, when I paid over the payment amount. 
I emailed XXXX XXXX on XX/XX/2021 after I received her response. I asked her for clarification on why this wasn't followed, but got no response. Therefore, I need you to interfere to correct this, or my only option after that would be to take them to court.
Product: Mortgage

Mortgage lender Stearns Lending LLC is witholding greater than the XXXX escrow cushion in my escrow account. Made multiple attempts to resolve. They cut a check for approximately {$950.00}. There is an additional {$1000.00} above the XXXX number they are witholding, and company refuses to pay it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted XXXX  to resolve this matter. They said they have verified the debt without fully investigating it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # 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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1800.00} No knowledge of this account
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a XXXX XXXX XXXX XXXX XXXX. I'm filing this CFPB complaint to request pursuant to FCRA XXXX B ( XXXX XXXX Code XXXX ) that you, Transunion a XXXX credit agency, block information that is appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUINT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, IN ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX These accounts appear XXXX XXXX XXXX XXXX XXXX aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections and or hard inquiries as reported. The aforementioned accounts, collections and or hard inquiries, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts ; collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint, FTC Report Number # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my payment to XXXX on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had XXXX leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting
Product: Credit card or prepaid card

Kohls was told that I lost my job and I will square up when I get the money. My mortgage and food come first. They send me emails and notices in the mail but call me and this is no lie, 6 times a day sometimes 7. I have always paid my bills, I just need some time to get the money. I want the calls to stop and you know I dont think I am going to shop there anymore. I already paid off a balance with them and have been a good customer but I dont need this harassment!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$21.00} Date opened XX/XX/XXXX Balance - XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance - XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$280.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$490.00} XXXX XXXX  Date opened XX/XX/XXXX Balance {$610.00} XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX I do not own the accounts listed. These accounts have been disputed and have come back as verified and are a result of identity theft from data breach. I have requested that these accounts be removed due to improper investigation processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit report, I have noticed XXXX late payments on my account that I was never late for.Consumer reporting agencies assume a vital role in reporting accurate information for consumer reports. I have never been late for account XXXX XXXX XXXXXXXX. Can it please be investigated and provide proof with statements these payments were late.If proof can not be provided I please demand these payments get updated as to on time as they should be. I was NEVER late, thank you.
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting fraudulent items to my credit report that do not belong to me. I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account XXXX XXXX XXXX ( Account Number:XXXX ), Original creditor : XXXXXXXX XXXX XXXX. Date Opened : XX/XX/XXXX. XXXX {$760.00}. XXXX XXXX XXXX ( Account Number : XXXX ), Date Opened : XX/XX/XXXX. XXXX {$2600.00}. XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$1500.00}. XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX. XXXX {$0.00}. XXXX XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX. Balance {$85.00} I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting immediately.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the errors on my credit file. However, I believe the remaining accounts still need review to ensure they meet the Fair Credit Reporting Act standards for accuracy. I am requesting another investigation of the accounts listed below to verify their accuracy : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27000.00}. If your investigation can not confirm the accuracy of these accounts, please update them accordingly. Also, please send me the details of the procedure used to verify the information to the address provided.
Product: Debt collection

I paid it in full asked to have a letter stating it was paid in full faxed or sent to email. They sent a bill instead of already paid debt got a bill today XX/XX/2021. The debit was paid in full on XX/XX/2021. I have called them several times asking for them to fax paid in full. They also said that they can't take it off my credit report since they haven't reported it yet through the credit report yet. Midland credit management and company and I spoke to a XXXX. This is about a XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached. I attach the proof and they refuse to delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I So please delete these from my credit report immediately. As I was a victim of this data breach. Thank you.
Product: Debt collection

This happened in 2015 when I helped a friend sign a car lease and I wasnt aware that I was signing the ownership and I ended up in a {$15000.00} debt for a car that wasnt ever mine. I want to make things right because this is affecting me personally when I try to use my credit. The car was repossessed without me knowing because I was never the owner.
Product: Debt collection

Continuous phone calls every day. Please stop the harassment. May contact me by mail only
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I've been a victim of identity theft and found XXXX  credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XX/XX/year>, Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Mortgage

Unable to be reviewed for loss mitigation because the investor refuses to let the main borrower fill out the loss mitigation packet by herself and they require the son who is the co-borrower to fill out paperwork. The problem is that the son does not live in the home anymore and ran off leaving the main borrower unable to get ahold of him. Before dissapearing the son filed bankruptcy, went through with it, and filed a quit claim deed to remove himself from responsibility of the house payments. On XX/XX/22 we faxed a letter of explanation for the situation and the quitclaim deed that the son filed to be put on review. The lender still refuses to allow the main borrower to be put into review even though she has filled out the loss mitigation packet minus the documents that are asked by the son because the son is nowhere to be found. We asked to escalate the case but the lender refuses.
Product: Debt collection

I sent the collection agency XXXX XXXX a cease and Desist letter which included the law ( 15usc 1692c ) on XX/XX/2023. I received communication back that they received the communication on XX/XX/2023. But yet I am still receiving communication from XXXX XXXX. I spoke to a representative on today at XX/XX/2023 at XXXX XXXX  who verified they received the communication on XX/XX/2023. Also she updated the system. I also spoke with the original owner of this account lvnv Funding regarding this matter and they supposedly submitted a complaint up stated this action is unacceptable. I spoke to 2 nice representative regarding this unacceptable matter. They texted on XXXX XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; and XX/XX/XXXX XXXX via text. Also XX/XX/XXXX via email. This is willful non compliance ( 15 usc 1681n ). They are harassing me and I'm stressed out this is causing emotional stress. This is real ridiculous and inconsiderate of this company and I think this needs to be handled accordingly.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my TransUnion, XXXX, and XXXX credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

I recently encountered a distressing issue with Citi 's fraud detection system and customer service. Despite initiating a wire transfer to my own account, Citi flagged it as fraud and locked my account. The customer service said the only way is to wait for a letter to arrive at home address and use the reference number on it. It first happened on XX/XX/XXXX, and it has been 13 days since this occurred, and I'm still awaiting a letter to unlock my account. 
Despite numerous calls to Citi 's representatives, I've been met with unhelpful responses, including one with a bad attitude. While one representative suggested using my verified number, I did call with my phone number put on the account only to discover the number that I used for 10 years, isn't registered as 'verified. ' Leaving me no way but to wait for the letter. 
My personal banker couldn't offer any alternative solutions, said when it comes to fraud department they have no power. 
This experience is not only frustrating but also absurd- it is ok to do fraud protection but forcing customers to endure lengthy delays ignoring urgent financial needs is not good. What is one is traveling outside from home? Does it mean they are not able to use their money? We are leaving in 2024 where remote work is a reality. Fraud detection is important but shouldnt be the excuse for putting no thought into the designing the process and hurt customers. 
I've filed multiple complaints, yet there has been no response or action from Citi, like Citi is ignoring complaints and just let customer have what they have.
Product: Credit reporting

I disputes liens on the Credit report from Equifax. My dispute was valid as said by Equifax. When I received my dispute listing that my leins should show released I pulled another Equifax credit report and the status of the liens had not changed. I called the customer service line ( in XXXX ) and they said they could n't understand why but could n't help me the supervisors name was XXXX ID XXXX.
Product: Credit reporting or other personal consumer reports

My information was a part of a data breach as well as identity theft
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer Service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting Act XXXX and XXXX XXXX account # 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was contacted in XX/XX/2018 by XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ) that I have a credit card payment to make. I initially thought it was a scam call as I never heard of XXXX XXXX XXXX before. When I called them they said they are not receiving payments and I am the owner on the account. I said I never owned XXXX XXXX XXXX 's credit card and asked them to email me the original credit card application which they did. I contacted them right away as I notice the signature on the credit card application was not mine and my ex-husband put the signature for joint owner. I disputed this credit card and questioned XXXX XXXX XXXX how did they add my name without taking my permission. I filed complaint with XXXX XXXX XXXX police about this and I clearly mentioned that the signature on the application is not mine and emailed the affidavit to XXXX XXXX XXXX. In-spite of doing all this, XXXX XXXX XXXX didn't remove my name and now they sold the account to XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX ). Now I am receiving collection calls and letters from XXXX XXXX XXXX. I would like you to take action on XXXX XXXX XXXX which made a mistake of adding my name to Credit card without taking my permission and started bothering me when they stopped receiving payments from my ex-husband. It is causing so much stress and pain and affecting my daily life. Though I am innocent here, I am being punished with these phone calls and letters. Please take appropriate action on XXXX XXXX XXXX as they made mistake of adding me without my knowledge and for harassing me. No credit card company or lender should get away for their own mistakes and harassing innocent people I condemn XXXX XXXX XXXX 's attitude and behavior towards me in this whole process and question their policies for issuing credit cards and XXXX XXXX XXXX for calling and threatening me with their phone calls and letters
Product: Debt collection

I contact XXXX because XXXX accounts are showing as closed and paid. I was in formed that ASCENDIUM bought the debt and now I have defaulted with them. I do know anything about this debt. I need the debt verified and validated. I and requesting that it be removed from my credit file with XXXX, which shows closed and paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX GLOBAL LENDING SERVICES XX/XX/2022 XXXX XXXX XXXX XXXX