23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Called with XXXX HUD counsellor today, and spoke with 'XXXX XXXX, she said that I can dispute the late fee, legal fee, inspection fee, and interest charges. 

She also stated that that I haven't made any payment from last 11 months ( which is not true ) Well, I just checked the records, I did make three payments in XX/XX/2024 - XX/XX/2024 - {$5000.00} payment XX/XX/2024 - {$2800.00} payment XX/XX/2024 {$110.00} payment ( Please see copy of the emails attached ) She also said that if I will make payment of 9 months, the account will not go to an attorney for the foreclosure, and I responded that I need to check my records and make a decision on that. 

She also stated that 9 months of payment comes out to be {$23000.00}, and as per my calculation, that whole payment comes out to be {$23000.00}, she stated that my mortgage payment was increased to XXXX something dollars for three months, but did not provide any explanation of that. 

So total of the payments I made in the month of XX/XX/2024 ( {$5000.00} + {$2800.00} + {$110.00} ) comes out to be XXXX So {$23000.00} - {$7900.00} = {$15000.00} So I will be making a payment today of {$15000.00} This will make a payment for 9 months And I am still disputing all the late fee, legal fee, inspection fee, and interest charges
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XXXX someone Hacked into my Aunt XXXX XXXX XXXX XXXX account selling a car and to Zelle {$3000.00}. 

I found out after that it wasn't her. 
They asked to use their Email for Zelle Transaction.
Product: Credit reporting

I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR ONE OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there XXXX of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my infoWhen I receive a tax notice from the Commonwealth of XXXX using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than 8 years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year 2010 when that is n't true - this is something I 've just recently put XXXX and XXXX together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theftWhen I get a letter from XXXX Food Stamps agency that says my application file was accidentally opened and opened by an agency in a different county than mine...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA, XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The specific item I am disputing is a charge-off account listed under XXXX, with the account number XXXX. This account was sold to another entity and the original creditor no longer owns this debt. 

As per the FCRA, you are required to ensure the accuracy and completeness of the information contained in my credit report. Since the original creditor no longer owns the debt, the charge-off account should be removed from my credit report. 

I have attached copies of relevant documentation that supports my claim, including proof that the debt has been sold. Please conduct an investigation into this matter and remove the erroneous information from my credit report. 

I would appreciate your prompt attention to this matter and request a written confirmation of the results of your investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Airline card with {$450.00} fee was canceled in the 30 day renewal window. Agent confirmed on the phone that the fee would be refunded in full within two billing cycles. Multiple calls and chat sessions with Citibank agents who promised fee refund but that has not been the case.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Mortgage

I was charged {$490.00} for a mortgage application that should not have been sold. Loan Officer XXXX sold me an application for a mortgage that Citizens later said I was not qualified for, information the loan officer knew. He used deceptive sales tactics to get me to apply, which included lowering fees more than competitors and dropping contingencies - all despite knowing I could not even qualify! In addition, the loan officer did not even keep to contractual deadlines or keep in any regular communication with myself, the client. The deadline problem did not only occur with the application in question but also a previous and different mortgage with myself, the same client. I did not have a good experience with Citizens on either my original mortgage closing or my application for a second mortgage. I communicated with Citizens about getting a second mortgage because the bank had all my information and therefore could quickly tell me about what type of loan I could purchase, or whether or not I could even qualify. I was not informed that I did not qualify for the ( conventional ) mortgage I applied for until after the mortgage commitment date was due! Even my realtor, XXXX, had trouble getting XXXX to keep in regular contact. On the day of the mortgage commitment he had to hear from XXXX boss, XXXX, about why there was no mortgage commitment from the bank on the day due! 
I applied for a conventional mortgage to move to a different house in the same neighborhood but was told, after passing the mortgage commitment date, that for the loan to still move forward it would have to change to an investor mortgage. The reason given being the loan may not pass Fannie Mae rules, rules that the loan officer claimed he had not and could not have had any knowledge of, despite working the industry for 20 years, closing about XXXX loans a year, and had all my information from a previous closing in which he could have asked underwriting before getting me to sign the application! 
Afterwards, I filed a formal complaint with XXXX with the Office of the Chairman who promised a thorough investigation but came back saying Citizens did nothing wrong. She claimed the loan officer properly informed me about why my application could not be approved. The bank is basically lying and trying to walk back their mistake because I clearly told the Office of the Chairman - with evidence - that the loan officer did not communicate any problems or issues with my application until after the mortgage commitment deadline was passed. They wanted to change what type of mortgage I was applying for, all after the fact, when they should have know prior to formally applying that my application could not be approved! It was very clear that the bank should not have attempted to sell an application since they had information available that it could not be approved, especially to a long time customer.The bank, especially the loan officer, did not act in the best interests of the customer as they charged me for unreserved services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received XXXX XXXX XXXX XXXX adverse letter dated for XX/XX/2022. It states I was denied due to the inaccurate information received from the consumer reporting agency/agencies : TransUnion. 

Pursuant to 15 USC 1602 ( f ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In regards to 15 USC 1602 ( f ), CREDIT IS MY RIGHT AS A CONSUMER!! 

On XX/XX/2022 I initiated a credit transaction with XXXX XXXX XXXX XXXX, where I applied & extended Credit by utilizing my Credit Card, as defined under 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, card number ending in XXXX Credit was extended to XXXX XXXX  XXXX XXXX with my Credit Card XXXX card number ending in XXXX, in return for me obtaining a XXXX Tradeline or better defined as money under 15 USC 1602 ( l ) to purchase products and services from XXXX. Unfortunately, XXXX XXXX XXXX XXXX has violated my Consumer Right and failed to complete the credit transaction by not granting me the Right to defer payment as defined under 15 USC 1602 ( f ). 

In result of this adverse action, XXXX XXXX XXXX XXXX has also committed a federal crime by violating 15 USC 1602 ( p ) -The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. XXXX XXXX XXXX in-fact utilized my Credit Card, card number ending in XXXX, on XX/XX/2022, and XXXX XXXX XXXX, the cardholder- received no benefits from XXXX XXXX XXXX XXXX unauthorized use of XXXX XXXX XXXX Credit Card on said date and credit transaction .

In conclusion, pursuant to 15 USC 1691a ( 3 ) - Activities constituting discrimination, ( 3 ) because the applicant has in good faith exercised any right under this chapter, XXXX XXXX XXXX XXXX shall not discriminate against me because I have in good faith exercised MY RIGHT to Credit as defined under XXXX XXXX XXXX ( f ).
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me. Prior to my wallet was stolen and reported so this is an recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that the credit reporting agencies remove and block these accounts immediately. 

1 ) XXXX {$71.00} 2 ) XXXX XXXX XXXX {$30.00} 3 ) XXXX XXXX XXXX {$680.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX  Card Services 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My identity was hacked through my computer and it now has a virus. loans were taking out in my name. the loan company are hassling me even though I did not do this. It is hurtful for someone to steal your identity and you get accused of the problems at hand. 
XXXX : Loan for XXXX XXXX  : Loan for XXXX XXXX XXXX XXXX : Loan for XXXX Credit bureaus refuse to take off of credit report. 
Inquiries remain also. 
Please remove all from credit report
Product: Credit reporting or other personal consumer reports

It also shows the ORIGINAL Terms were 42 Months. The loan was paid in 42 Months. Additionally the account status is being reported as derogatory, which is false and defamatory. This misrepresentation must be corrected immediately.

IT ALSO SHOWS 60 DAYS LATE.

HOW CAN YOU BE 60 DAYS LATE BEFORE YOU BECOME 30 DAYS LATE?

I INCLUDED A SNAPSHOT OF MY REPORT SHOWING THIS INACCURATE INFORMATION.

Specific Inaccuracies FIELD Currently Reporting Correct Information FCRA Violations Metro 2 Violations Payment Status Late Status for XX/XX/year> Paid/Closed/Never Late -15 U.S.C 1681c -15 U.S.C 1681e ( b ) -15 U.S.C 1681i Base/17A : Incorrect Payment Status. Base/19 : Improper Comment Code. Account Status Closed/Derogatory Closed/Positive -15 U.S.C 1681e ( b ) -15 U.S.C1681i ( a ) ( 1 ) -15 U.S.C 1681a Base/17A : Incorrect Account Status Comments Loan Modified Paid/On Time/Never Late -15 U.S.C 1681i ( c ) - 15 U.S.C 1681O - 15 U.S.C 1681N Base/19 : Improper Special Comment Code Legal Violations The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : - Defamation of Character - Neglect Enhancement of Identity Fraud - Violation of the Fair Credit Reporting Act. - Violation under 15 U.S.C 1681o Civil liability for negligent non- compliance - Violation under 15 U.S.C 1681n Civil liability for willful non- compliance - Failure to comply with 15 U.S.C 1692 ( g ) - Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports- Violation under 15 U.S.C 1681 ( i ) Method of Verification - Violation under 15 U.S.C 1681a Right to privacy - Violation under 15 U.S.C 1681c Requirements relating to information contained in consumer report. Demand for Immediate Action I demanded that you immediately : 1. Update the payment status to reflect Paid/Current 2. Update the account status to reflect Closed/Positive 3. Remove all comments referring to a Loan Modified. 4. This account is paid, current and NO balance is owed, and NEVER 30 days late. Failure to respond satisfactory within 30 days will result in a small claims action against your agency. I will be seeking damages for all violations, as each violation carries a statutory cost of {$1000.00} under 15 U.S.C 1692k.

Conclusion : I ALSO HAVE DOCUMENTS FROM MY BANK SHOWING MAILED PAYMENTS BEING SENT BACK DUE TO XXXX XXXX XXXX XXXX  NOT ACCEPTING THE PAYMENT DUE TO LOW AMOUNT. ALSO, ON THE XXXX WEBSITE IT SHOWS THE FOLLOWING ONLINE PAYMENTS : THESE ARE USUALLY THE FASTEST WAY TO MAKE A PAYMENT AND WILL BE REFLECTED IN YOUR ACCOUNT QUICKLY. WHAT IS QUICKLY IN THERE PERSPECTIVE? I HAVE PROOF ONLINE PAYMENTS TOOK 4-5 BUSINESS DAYS TO POST ON THE ACCOUNT. IS THAT QUICKLY? I BELIEVE NOT. I BELIEVE THIS WAS A TACTICAL BY XXXX XXXX XXXX XXXX  TO RECEIVE EXTRA REVENUE THROUGH UNETHICAL PRACTICES.

I expect this letter to be taken seriously and demand that this fraudulent and defamatory account be corrected immediately. If the requested corrections are not made. I will escalate this matter through legal channels.
Product: Credit card or prepaid card

my card number was stolen and used in the state of California in different cities since XXXX- XX/XX/20 totaling up to {$1000.00}. Used in XXXX XXXX, XXXX & XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX California. 
My Card is from Way2Go XXXX card that is used in Alabama to deposit child support, XXXX XXXX  is affiliated with them. I was never alerted of any miss used transactions that are from California and i live in XXXX XXXX.It was very hard for me to reach costumer service for Way2GO debit card that i called XXXX XXXX conf # XXXX and they stated they did not have me in any account so they could not help me. I finally was able to reach someone in Way2go Costumer service to stop and report stolen debit card number, they then transferred me to fraud prevention from XXXX XXXX  and i made a report and they said they will mail be a dispute for all the transaction in 3 days and for me to fax it back with police report, then they will review it and let me know when i can get my money back. As a card that is from the State of Child Support i believe it should have better surveillance on the use of it and notify the consumer. I am out of {$1000.00} dollars and my identity has been taken from me and in terrible bind financially. I am very frustrated and upset with the whole system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all 3 credit bureaus about the inaccurate information that's reporting on my credit file. The incorrect information that's reporting is the balance of the loan it should be {$0.00}, the date the loan was opened, high credit limit is incorrect, the past due amount is incorrect and the comments don't match. This loan was charged off and written off on their taxes, by law this is no loner my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's TransUnion, XXXX, XXXX, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX IS BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, ( FIRST, LAST ), did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX : ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. Please help me. 

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, credit repair services, or other personal consumer reports

Experian is charging {$10.00} to freeze and unfreeze my credit report. They changed my temporary unfreeze into a permanent unfreeze so now it 's {$20.00}. This is an insane amount for a simple service that improves consumer security. Let me control access to my information.