23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from Citibank dated XX/XX/XXXX, indicating that a recent review of my home equity account had identified errors that occurred during the processing of my modification dated XX/XX/XXXX. I have been extremely upset that I have no understanding of why it would take nine years for Citibank to contact me regarding errors of my loan modifications so I did some research on the internet. I found out that CFPB ordered Citi Financial to pay {$28.00} XXXX in damages for the incorrect handling of loan modifications. 
Finding this information has caused me great stress because CitiMortgage held my primary mortgage in XXXX, which was also modified. Conveniently CitiMortgage sold my mortgage to XXXX XXXX in XX/XX/XXXX ( copy of letter attached ) and has never addressed any errors in my modification process. 
CitiMortgage ruined my life financially for years through their modification process. One of the outrageous things CitiMortgage did was listed my repayment agreement on my credit report as a foreclosure which caused me credit issues for years. I found out of the foreclosure being listed on my credit history because I was denied credit from XXXX XXXX. This foreclosure never happened, still today, I reside in the home that CitiMortgage identified as beginning foreclosed. At the time, I contact CitiMortgage and the three credit agencies to have this corrected but CitiMortgage refused to correct it. They addressed the matter saying that they had a right under the terms of my repayment agreement to identify my modification as a foreclosure. Attached is a copy of my XXXX credit report from XX/XX/XXXX, showing the false reporting CitiMortgage sent the credit agencies in XXXX and XXXX of XXXX. I have attached the letter dated XX/XX/XXXX, I sent CitiMortgage request the removal of this incorrect information. I received the attached letter from CitiMortgage dated XX/XX/XXXX, clearly indicating that they would not change their incorrect reporting. Also, Ive attached my follow-up letter for CitiMortgage dated XX/XX/XXXX, again requesting the inaccurate reporting be corrected. CitiMortgage never disclosed to me that this foreclosure reporting would take place even though I completely met my obligations under the repayment plan. 
CitiMortgage definitely sent inaccurate consumer information to credit reporting companies and failed to investigate my consumer dispute. Citibank is issuing a credit to my home equity loan due to their incorrect process, therefore I question whether CitiMortgage has also incorrectly processed my modification back in XXXX and whether Im entitled to damages as set forth by CFPB order. 
Im looking for CitiMortgage to address whether the processing of my XXXX modification was processed correctly. Specifically, I need them to address the damage to my credit history they created. 
I would appreciate any information you can provide me.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX XXXX XXXXXXXX Dear POSSIBLEFINA, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), the Missouri Revised XXXX under Sections XXXX and XXXX, and identity theft fraud laws specific to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that POSSIBLEFINA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, Missouri state law, specifically XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section XXXX of the Missouri Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that POSSIBLEFINA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and Sections XXXX and XXXX of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, XXXX  state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that POSSIBLEFINA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Checking or savings account

We went to XXXX ( merchant ) on XX/XX/year> to purchase groceries. While checking out, we used our debit card from Ally Bank and 'rounded up ' our order total on the pin pad to donate to charity. Doing this caused the XXXX payment system to freeze which XXXX stated the transaction did not go through on their end from our debit card and they asked us to pay again. We observed our Ally bank account had a pending charge from XXXX so we paid again with a credit card from XXXX XXXX  for the same total of {$160.00}. XXXX stated the charge should drop off our Ally account. Attached below are both charges on the same date from the same merchant on both our accounts for reference. 

The charge ended up posting to our Ally Bank account. We contacted XXXX who stated they will refund our Ally Bank account which they provided documentation ( attached below ) saying this refund went through. This refund never posted to our debit card. 

We disputed the XX/XX/year> transaction for {$160.00} through Ally bank as we never received a product for this charge on our account. They denied the disputed transaction and stated their reasons for denying which had nothing to do with the reason why I submitted the disputed transaction. We re-submitted another dispute which is ongoing with Ally Bank.
Product: Money transfer, virtual currency, or money service

Good morning, I have opened an account at WISE, after making a deposit and sending all the receipts, they blocked or closed the account, I asked them for a refund of the money on several occasions and now the system tells me that my money has already been sent to where I indicated, I gave them a XXXX XXXX account and a XXXX account and I have not received the money, it is {$45.00}, I appreciate the collaboration in this case
Product: Checking or savings account

On multiple occasions XXXX funds were posted but on the backend I still had multiple overdraft transactions.
Product: Payday loan, title loan, or personal loan

I took out this HIGH ( extremely high and unlawful ) loan@ 65.02 % (! ) APR in XXXX of XXXX. 
I am on XXXX XXXXXXXX and do not work anymore since XXXX of XXXX. 
I was receiving {$7600.00} per month up until XXXX of this year from 3 insurance companies. At which time one of them stopped paying me and my monthly benefits became less by {$3900.00} down to {$3600.00} per month. 
I have been contacting NetCredit since that time and asked them ( after explaining what happened ) to help me with lowering payments and interest rate till I resolve my situation. 
NetCredit refused to cooperate with me, they refused to make payments and interest rate lower. They kept telling me that my account is NOT delinquent enough for them to consider helping me. I kept calling and calling and calling- they refused to help. Today they reported my account late to the credit bureau 's. My score dropped by more than 33 points as a result. I called them today they offered to have payments reduced in half for next 6 months but they also stated that they will be reporting late to all the bureaus through out this time even when I make 1/2 payments that they offered to me.

I am asking for CFPB to interfere and stop this madness!!! They shall not be allowed to charge such a high rate APR and not to cooperate with customers in the hardship. They are also shall not be allowed to keep stating I am late if I will be making monthly payments offered.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I purchased groceries at XXXX XXXX. The attendant asked me if I wanted to open a charge card, I told her no, she asked if I wanted to up my membership I stated no. She said it was two questions I would be asked. I explained to the attendant I did not want an inquiry on my credit which is what happens when you open up a new line. I paid for my groceries and left. Then when checking my credit it says I have XXXX line of credit at XXXX XXXX. I did not agree to this line of credit, I have no XXXX Charge card in my possession and I specifically told the attendant I was not interested in opening a line of credit.
Product: Mortgage

Equity Loan bought out by SLS.. Sent new contract - I signed and returned. Then 1 months later SLS sent corrected addendum to loan because SLS did n't include what they say correct loan information. The new information was stating my loan amount would double on certain date and interest rate would increase. I have asked for a loan modification and SLS sent me a 36 month temporary modification with no change payment amount or interest.
Product: Checking or savings account

I opened this " My Northwest Checking '' account back in XXXX or XXXX when I lived in XXXX, which did not have any monthly maintenance fees or paper statement fees. I since moved a few times, including to XXXX and then XXXX, and forgot about this account. I had a balance of {$500.00} in my account. 

I was checking up on old accounts last month and found that this account was still open but is now an " XXXX XXXX '' and I have been charged a {$3.00} paper statement fee every month since XX/XX/XXXX, for a total of over {$150.00} over XXXX years. I was never notified of this change - otherwise I would've opted for XXXXstatements or closed my account. I also would've expected the account to have gone dormant and the balance handed over to the state 's treasury where I could receive it from the XXXX Treasury 's XXXX XXXX Department - but instead of closing my account for inactivity, Northwest continued to empty out my account month after month for years. 

I reached out to Northwest last month, who informed me that because I moved, their notification of account change over did not get delivered. I requested for a courtesy waiver of fees and refund and also to close my account and my request was denied. They also did not allow me to close my account over the phone or email and insisted I go into branch or mail a paper request to close the account. I no longer live in XXXX and the snail mail option also made it very burdensome. 

I am very disappointed in the way I have been treated by Northwest and would have expected better - either refund a customer or stop charging the fees after a certain period of dormancy on an account. The resolution I seek is the refund of all the excessive fees and the closure of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian by mail XX/XX/2021, to informed them they were reporting wrong information on my consumer credit report. Because of there inaccuracies it's hurting my potential to acquire a descent mortgage loan, it's hurting my credit worthiness.They 're reporting late payments on 5 accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Also I contacted XXXX and XXXX at the same time by mail. Both of those consumer reporting agencies changed course and corrected the discrepancy. Experian was the only consumer reporting agency, that continued to report inaccurate information. I tried calling Experian 2 more times this time by phone, XX/XX/2021 and XX/XX/2021. I was told the same information, that the accounts were investigated and is correct. I told Experian that XXXX and XXXX did the same investigations and it proved that I was telling the truth. XXXX and XXXX deleted the inaccuracies immediately. I reached out to all the accounts personally, and did my own investigation. Demanding that they send me documentation in writing, I received a letter from XXXX XXXX XX/XX/2021 stating " There are no late payments showing on the above-referenced account. '' Since that I have reached out to Experian and they still declared it is correct.
Product: Credit card

Over the past 2 months I have started making use of My Chase Plans for my Chase Sapphire Credit Card ending in XXXX. 

I have/had the following Chase Plans outstanding : XXXX XXXX XXXX no monthly fee XXXX XXXX monthly fee ; refunded purchase XXXX monthly fee XXXX XXXX monthly fee On XX/XX/XXXX, Chase made the automatic Interest Savings Balance payment of {$2500.00}. 

On XX/XX/XXXX, I made a manual payment of {$1200.00} which is the total remaining balance of my XXXX and XXXX plans. 
My understanding is that under 12 CFR Part 1026 ( Regulation Z ) XXXX  Allocation of payments : when a consumer makes a payment in excess of the required minimum periodic payment for a credit card account under an open-end ( not home-secured ) consumer credit plan, the card issuer must allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on the applicable annual percentage rate. 
Chase considers that monthly plans do not have interest, but they have a monthly fee. Under the definition of annual percentage rate, all fees are included, including finance charges. 

As a result, I would expect Chase to allocate the extra payment to my XXXX and XXXX plans. 
On XX/XX/2024, I called Chase to determine the allocation of payments. From the call, the rep and I determined that : {$620.00} was applied to the XXXX XXXX MyChasePlan which had no annual fee No extra amount was applied to the XXXX and XXXX plans. 
{$610.00} of the payment allocation could not be determined. I would assume this went towards new charges on the XXXX statement. 

The rep stated that any extra of the payment should be applied to Flexible Financing Plans, which include MyChasePlan. Based on our calculations, it appears that even is not the case, since some amount appears to have gone to new charges. In addition, Chase has a policy that the oldest MyChasePlans are paid off first. However, it is my belief that this policy violates 12 CFR Part 1026 ( Regulation Z ) XXXX. Chase must apply payments to the highest fee plans first. 

Note that on XX/XX/XXXX, I called to have the XXXX refund dated XX/XX/XXXX applied to pay off the XXXX My Chase Plan in full. The rep stated that would not be visible until the monthly statement. It is possible that this contributed to the misallocation of the XX/XX/XXXX payment.
Product: Vehicle loan or lease

World Omni Auto XXXX LLC depositor and Southeast Toyota Finance  d/b/a World Omni Finance received a security on or around XX/XX/XXXX. Securities fraud is taken place. I dont authorize any company to withhold my securities. They are violating the securities exchange act of 1933 that XXXX XXXX XXXX Assistant Treasurer says the company is in honor of. They are also violating the XXXX
Product: Credit reporting or other personal consumer reports

The lease in question ended at the end of XX/XX/year>. I was granted an extension to purchase the vehicle. The lease extension was through XX/XX/XXXX. I sent XXXX a bank check for the full purchase amount which was received by XXXX on XX/XX/XXXX ( XXXX Tracking Number XXXX ). XXXX is now reporting the lease as delinquent. 

I called XXXX on XX/XX/XXXX after I became aware of the status of the lease. XXXX indicated that they are experiencing a delay in processing the end of the lease. XXXX stated it is taking them about XXXX  days to complete the lease end process. I emphasized to XXXX that the information on my credit report was incorrect. XXXX offered to e-mail a letter stating that the lease has been paid as agreed. XXXX stated the letter would be sent via e-mail within the next XXXX hours. No letter has been received. The status of the lease is still being misreported.
Product: Mortgage

In reference to Wells Fargo letter responding to CFPB Complaint ID XXXX. 

In response to my complaint indicating discrepancies between the credit reporting bureaus of my current credit status and loan balances of my HELOC, Wells Fargo indicated that after a thorough review of my concern, they determined as of XX/XX/XXXX, that they were reporting correct information across all three bureaus. This seems to indicate that there has been no problem with Wells Fargo reporting promptly to the credit bureaus. 

Upon requesting a current credit report XXXX XX/XX/XXXX ) from all three credit bureaus, I have found another instance where Wells Fargo has not been promptly or accurately updating all three credit bureaus regarding my current credit history at Wells Fargo. 

According to the credit reports I received from XXXX, Wells Fargo reported on XX/XX/XXXX that the account was closed with a XXXX balance. According to the credit reports I received from XXXX and XXXX the credit information for the same Wells Fargo account was last updated on XX/XX/XXXX. Both reports inaccurately show that the account is still open and that I am an authorized user on the account, the credit utilization is 23 % based upon a balance of {$4200.00} of a credit limit of {$18000.00}. 

Is it normal for there to be a 4-5-month discrepancy in credit history reporting? 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

Dear First Progress Card and Synovus Bank, I hope this ( CFPB ) complaint finds you well. I am writing to inform you that as of XXXX XXXX XXXX, legal actions have been initiated against First Progress Card and Synovus Bank. These actions are currently active with the XXXX XXXX XXXX. 

Attached to this CFPB complaint, you will find the necessary documentation and information pertaining to the ongoing legal proceedings. It is important that you review the attached documents carefully to understand the nature and extent of the legal actions being pursued. 

Please be advised that failure to respond or take appropriate action regarding this matter may have serious consequences for your organization. I urge you to give this legal action the attention it deserves and take the necessary steps to address the concerns raised. 

If you require any further information or have any questions regarding the ongoing legal actions, please do not hesitate to contact me at the provided contact details. I expect your full cooperation in resolving this matter in a fair and timely manner. 

Thank you for your immediate attention to this notice. I look forward to a prompt and satisfactory resolution. 

Yours sincerely, XXXX XXXX. 

All Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 

Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 

As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 

Furthermore, I request that you investigate the inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 

I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX