23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shortly after re-structuring my monthly mortgage payments, I received a notice without warning or explanation indicating that my mortgage would be increased by approximately $ 400 monthly due to an adjustment in my escrow account. TruHome Solutions could nt explain why my escrow needed to be adjusted as neither my taxes nor my home value had changed. During this process I renegotiated my insurance premium and used the difference to pay off the shortage in my escrow as reported by TruHome Solutions, however, I had still not received an explanation for the drastic increase. After making payments and paying down outstanding escrow balance, TruHome reported that the reason the escrow was raised was because I missed a home owners insurance payment and they were forced to make the payment for me. I indicated that this was absolutely false and requested a refund of my lump sum payment as well as adjustment in my monthly payments back to the agreed upon re-structured monthly rate. Additionally, I noted that during the process of reconciling my mortgage balances, that TruHome inaccurately reported my mortgage late with credit reporting agencies. I 've asked repeatedly for this to be addressed as well to no avail. TruHome has repeatedly demonstrated irresponsible handling of my account, erroneous reporting, and mismanagement resulting in a devastating impact on my credit rating..
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

contacted company XX/XX/year> about inquiry on XXXX was informed that there was no information in system associated with my social secutity number. I was told to contact the credit reporting agency who told me to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX that I paid in full XX/XX/2020. Usually XXXX, XXXX and Experian  updated my auto loan on the XXXX of every month, but this time they didnt update my information. Because of this my pre-approval was recinded and now I can not secure my mortgage for my new home. I tried to contact XXXX XXXX directly and they advised that did their part, they sent the letter on XX/XX/2020 advising all 3 credit reporting agencies that my auto loan was paid in full. Its dishearting that the 3 reporting agencies are quick to report incorrect information, but slow to correct/update their inaccuracies. That fact that I am no longer eligible for my mortgage over this is unfair, biased and causing me financial harm.
Product: Credit reporting or other personal consumer reports

Issue 1 : Denial of Credit Score Access I have made numerous attempts to obtain my credit score from TransUnion, both through their official website and third-party platforms. Each time, I have paid their required fee of approximately {$1.00} plus additional cents. Despite these payments, TransUnion has consistently failed to provide me with my score. When I attempt to access it through their official site, I receive an error message stating that I can not receive a score " due to open disputes. '' However, this error persists even at times when I have no open disputes with TransUnion. 

In contrast, I have had no difficulty obtaining my credit scores from XXXX and XXXX using similar methods, including through third-party sites. This indicates that the issue is specific to TransUnions systems or policies. Their failure to provide me with my scoredespite my payments and the absence of open disputes at timesprevents me from effectively monitoring my credit, which is especially critical given my ongoing recovery from identity theft.

Issue 2 : Identity Theft and Denied Disputes I am a victim of identity theft and have submitted disputes to all three major credit bureausTransUnion, XXXX, and XXXXregarding accounts that were fraudulently opened in my name. I have provided TransUnion with an Identity Theft Report and supporting documentation as required by the FCRA. However, TransUnion has denied my disputes for the following fraudulent accounts, which I did not open : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under the FCRA , TransUnion is obligated to investigate and remove these fraudulent accounts from my credit report upon receiving my Identity Theft Report. Their refusal to do so is a clear violation of my rights and continues to damage my credit standing. 

These issues have caused me significant distress and financial harm. The fraudulent accounts that TransUnion refuses to remove are unfairly lowering my credit score and hindering my ability to secure credit or favorable interest rates. Simultaneously, their failure to provide me with my credit scoredespite my repeated payments and attemptsprevents me from monitoring my credit effectively. This is particularly frustrating given that I can access scores from XXXX and XXXX without issue. 

As a victim of identity theft, I am already dealing with the stress of repairing my credit. XXXX actions are compounding this burden, leaving me unable to fully address the damage caused by the theft.
Product: Credit card or prepaid card

on XX/XX/22 I asked bank to remove {$6.00} fees on my card that were being charged monthly without any purchases. I refused to pay the fees, the fees continued to grow and then they assessed late charges. I asked them to close the account but they only decreased the credit limit and the card remained open accruing more fee payments.
Product: Credit card or prepaid card

In XXXX due to the holiday my direct deposit in my bank posted later than usual. I realized this immediately and contact Citi to ask how to correct the issue. The rep told me not to worry about. That they didn't see anything reversing. I specifically asked them about fees and if they would run the charge through multiple times and once again I was told there would not be an issues. A few days later I see that the payment didn't go through as expected and I submitted a second payment. But citi ran the first payment through a second time. So the second payment decline and then it was ran through 3 times. I asked citi countless times what the issue was. How i could resolve it. How I could get the fees removed off the account for the returned check etc. I was never given any clear direction from Citi. Suddenly after what I though was clearing up the payment citi closed the card because of returned payments. This is extremely unfair to me. I caught the intital issue and contact the bank multiple times about the issue and was never given a clear answer. I asked about fees, processing and everything and it was not until the card was closed that I was given clear information. Now I have a closed card and fees on top of it that they are requesting to be pay. Had I been told when I first contact citi that they payment would be tried three time this issue would have never occurred. In my attached screenshots you will see my multiple conversation with Citi bank. As well as emails from my bank showing the payment posting just slightly before the deposit did. ( which caused the issue ) I have had this card for almost 2 year and had NO issues. Never missed a payment in fact I paid half the balance every month. To be punished for being misinformed
Product: Credit reporting or other personal consumer reports

SETOYOTA FIN DBA XXXX XXXX XXXX XXXX ), has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly States that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act. 
Consumer disputes this account information Collection account
Product: Credit reporting or other personal consumer reports

I noticed some fraudulent accounts on my credit report during a recent review. Please remove them, as they are impacting my ability to secure credit. 
XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXXXXXX - XX/XX/XXXX - {$4000.00} XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$460.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$680.00} XXXX XXXXXXXX - XX/XX/XXXX - {$400.00}
Product: Checking or savings account

I had a lot of trouble with the bank because my money was being withdrawn from different companies and states, then when I talked to the bank they told me that they were going to send me a new card and sometimes they would return the money other times they won't. When I was in the process to close my account to open another in a different bank they already closed my account without any previous notice. When I called them to ask why did they close the account they said that they closed the account because they were accusing me of fraud because of a check of around XXXX XXXXXXXX XXXX  this happen on XX/XX/XXXXXXXX XXXX XXXX XXXX that didn't had any funds so they never send me a notification or notice asking to confirm that it was me doing the transaction so they decided to close my account without previous notice and on my credit report they ping me as like I committed fraud and currently I don't have any access to open any other account in any bank. When I speak with the Bank of America they told me that they couldn't do anything about that problem and didn't provide me with any information on the matter. Then I proceeded to talk to consumer service and they told me to fill out a dispute and they told me that if they couldn't fix my record I would have to wait for about 5-7 years to open a new account in any bank. Since I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never made a transaction over XXXX XXXXXXXX XXXX  in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not send me validation of the account they are reporting to all three bureaus. I have asked several times for them to send me proof that I owe them a debt. They sent me a document that I have never seen before nor did I sign. I demand this invalidated account be removed permanently and immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 Experian XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX Account Number : Partial Acct XXXX XXXXXXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied and was approved for a credit card with a 0 % balance transfer and 3 % balance transfer fee. My account was opened XX/XX/year>. On XXXX shortly after receiving my card I started a balance transfer but didnt complete it. The subsequent days after I got a message saying there were no balance transfer offers available and with new accounts there is an 11 day waiting period. I waited and another offer never gave. Ive called two 2 days for an explanation that nobody can give saying that its not available. This is a bait and switch. My credit was lowered by applying for this card so I couldnt even apply for another card to transfer the balance to and am now stuck paying the interest on XXXX that I should have the ability to transfer to my offer that I was pre approved for with no knowledge it could just become unavailable.
Product: Mortgage

PHH Mortgage has done several things to make my mortgage increasingly untenable and are now threatening to foreclose. When I submit late fees, they disregard instructions and apply it toward principal, subtract the outstanding fees from the base payment, claim I was late, then apply yet more late fees. I now owe well over XXXX $ in late fee due to this 'snowballing ' of late fees. Once, they sent me an escrow overpayment check of XXXX . I called to confirm that that was not an error and was told it wasnt. A month later, after the money was spent, they said it was an error and I had to remit the entire XXXX $ immediately. I could not do this, so my next payment was applied to that and I was assessed another late fee because they claimed I had not made a payment toward the mortgage. They eventually came up with a repayment plan but at this point my XXXX $ mortgage was now about XXXX $ per month. This made a difficult ( due to injury ) mortgage incredibly hard to pay, resulting in more late fees. Their phone representatives are completely inconsistent ; at XXXX point claiming I owed no fees followed by a letter saying I owe hundreds. Once they claimed they could not look beyond 2 years back of the loan due to their computer system ; a claim that is completely implausible in the year XXXX. Now- I have changed positions and well equipped to incrementally pay off everything, but the bank demands 100 % payment or nothing ( they will not even accept my regular payment ). Of course, they are charging more late fees because they claim I am not paying. Naturally, my credit is completely ruined as well. I spoke to them on XXXX/XXXX/XXXX and they demanded a double payment to stop foreclosure. I pointed out if they had not sent back my last payment and I made a payment on-the-spot, that would have been the same thing, but the returned payment had, at that point, been re-routed to other bills of mine. I offered to make a double payment on XXXX/XXXX/XXXX and they said I would have to make a *triple payment " or be foreclosed. This is impossible of course, although it could be done on XXXX/XXXX/XXXX, yet I suspect they would demand a quadruple payment by then.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Acceptance keeps hitting my credit report from PAID OFF loans from XXXX. I am trying to get my credit cleaned up and this is not helping my score. I want them to stop reporting old information on me. I called their cooperate office and left a voice mail and got no response. I waited about three weeks before calling the local branch here in XXXX OK where I was told someone would get back with me but I have yet to hear back from them. 

Thank you, XXXX XXXX
Product: Debt collection

About a year ago, I noticed a ( what I thought to be ) fraudulent delinquent account on my formerly perfect credit report. It was from XXXX XXXX, who I have n't been a customer with since I moved from XXXX to XXXX 6 years ago. I later learned that it was because the cable XXXX had been in my name, and my ex 1 ) Never fully put it in his name, and 2 ) Never turned in the modem when he moved to another location in XXXX last year. I contacted him, he turned it in, XXXX XXXX confirmed ( I 'm sure they have logs on it ), and it was removed off my credit report. I checked my report last night, and low and behold, there 's ANOTHER overdue account from XXXX XXXX that is listed as OPEN and has been charged off to a creditor for a measly {$180.00}. I 'm not exactly sure what 's going on this time, but this is NOT my debt as nothing else was in my name with XXXX XXXX. Perhaps it actually is a fraudulent account, or maybe the debt collector made a mistake, but regardless, I have no responsibility in paying this.
Product: Credit reporting or other personal consumer reports

Account was charged off There is XXXX accounts on my report from them and both charged off I dont understand why there is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off the account balance since XXXX 2015 and despite my numerous contacts with the creditor and the credit reporting agency, sending all the legal documents showing that the balance was paid off, to this present date the account stills appears as unpaid and thus affecting my credit record
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a debit from XXXX  XXXX for {$710.00}. I have disputed this on all 3 credit bureaus and asked that the company provide validation of the debt within 10 business days and if they can not they need to remove the debt. They have not provided me with any proof of the debt. Additionally, I request the assignment contract that was purchased from the creditor. I am entitled to all information that exposes my name and SSN and proof of my physical signature. I am not liable for fraudulent digital signatures that can be done online.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section 605C, which provides protections to survivors of XXXX XXXX. I am a survivor and victim of XXXX XXXX, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my trafficking experience. FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of XXXX XXXX or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law. As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a XXXX  survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the trauma I have already endured. Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a victim and survivor of XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I requested a Wells Fargo credit card. I received an email saying my card had been approved. When I went online ( XX/XX/XXXX ) to create my online presence, I noticed on an obscure page that my last name was misspelled. When I called them, they confirmed that the card was created with my name misspelled. I asked them how they could check my credit rating ( which I saw that they did ) with misspelling my last name? How did they validate that I was the rightful owner of my SSN and credit history/report? I was told they can't fix it until I receive a letter from them in about 10 days to prove who I am. But yet they issued the card with my name misspelled and not matching my credit report. 

I would like for your agency to look into this as this is inappropriate behavior. 

Thank you! 
XXXX XXXX Wells Fargo Application reference number XXXX