23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

we refinanced our mortgage last year when rates were lower and we had nationstar, they gave us to XXXX who said they are the parent company. 
XXXX told us how much our payment would be a month which was {$660.00} and we wanted the lower payment from our {$720.00} range so we decided to do it. At that time we owed {$76000.00} and after the refinance it went up to {$78000.00}, the problem now is we get a letter telling us not enough was estimated for the escrow and now we have to pay the extra {$64.00} a month. 
Now we are paying the same as before if not more because someones mistake, not on our part.And after it was refinanced they sold us back to Nationstar I have called to talk to someone and they gave me the specialist who could not answer my question as to how someone only estimated half our yearly taxes into the refinance when we have 5 years history showing what it was, I feel like it was done on purpose and they knew what they were doing and took our {$2000.00} we paid to refinance also, something does n't add up here at all, why are we paying 3.5 % and its the same as the 5 % thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

They always sent incorrect information and did not fix the information
Product: Debt collection

Enhanced Recovery Solutions L XX/XX/2018 {$1400.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently I requested documents for signatures from the company numerous times through a dispute with Experian this is not my account
Product: Mortgage

For three weeks I have not been able to get ahold of the company and I saw online that the parent company had a cyberhack.I can't even open the app or the website, and yet today my payment still went through. I am extremely angry because I don't know where that money is going, I have no trust in the company and have seen hundreds of people now make the same complaints. This is negligence to the highest degree. I had questions and a dispute about my payment going up by over XXXX dollars, and instead of resolving it they charged me anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing XXXX XXXX XXXX  to continue to report false information on my account. This is the 8th attempt at getting them to remove any balances owed to XXXX XXXXXXXX XXXX. I have paid them off in full both accounts. They continue to report a balance owing, as well as a fraudulent high balance and late status. As you will see on my credit report, I was never late, and paid them in good faith in full. XXXX XXXX   account number # XXXX XXXX XXXX XXXX And XXXX account number # XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, I asked XXXX for an auto/home owner insurance quote. They proceeded to increase the quote by 100 %, after which I immediately cancelled. I had not dropped my old coverage, yet they had debited my bank account on XX/XX/2022 {$160.00} - Property and Casualty, XX/XX/2022 - XXXX Home Owner. Upon cancellation, I received a credits from XXXX on XX/XX/2022 for {$140.00} and {$77.00} on XX/XX/XXXX. To my surprise I began receiving constant calls from XXXX XXXX  a few months later XXXXXXXX XXXX time frame. I contacted XXXX, who told be there was an issue with backdating in their system therefore there was nothing they could do. I forwarded documentation to CSC on several occasions ( at least 3 times ) and spoke to them at least 6 times, to no avail. I provided them with proof of insurance to show I had not dropped my coverage, although XXXX withheld money from both policies. CSC did nothing but state this is what XXXX reported and there was nothing they could do. XXXX wouldn't get involved, CSC wouldn't perform any research, so they reported me to the credit bureau for an {$86.00} charge. I have perfect credit and I now have a collections through no fault of my own. No one will listen or assist.
Product: Checking or savings account

I have attached the police report of all of the details of what happened. My bank is not willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was recently hacked and my personal information might have been affected. Their attempt to resolve this is fraud protection for only one year.
Product: Debt or credit management

Back in XX/XX/XXXX, I called Bank of America, the bank Ive have multiple accounts with since XXXX. 

I expressed that I wanted to explore my options with my two credit cards that had balances between XXXX & XXXX each. I was making monthly payments sometimes double the minimum, sometimes amounting to {$1000.00} a month and called to explore my options to get this under control, as the balances didnt move down Despite my monthly efforts. 

On their recorded line I expressed I did not want to close the account for emergency purposes. 

The customer representative assured me my accounts would not be closed and advised I qualified to switch to a fixed payment plan. I decided to proceed. 

Well I was advised wrong! 
My account was closed and affected my credit that Ive worked hard on. 

I called Bank of America to discuss this matter in XX/XX/XXXX after I received a letter stating my account had been closed at the beginning of XX/XX/XXXX. I didnt take action sooner because when I logged into my online account it didnt show the credit card was closed, it showed I needed a replacement card and have me the option to do so. So I didnt think anything of the letter as I knew that it was time to get a new card due to expired dates from being a loyal member for so long. 

During my call in XX/XX/XXXX, I was told I was advised incorrectly, and that I could have qualified for a balance transfer at 0 % instead of the route I was advised to take. And I was told on the recorded line that Now its too late. This has totally screwed up my options with all credit cards. And has put me in a financial hardship as I try to navigate the predatory credit card industry. 

Very disappointed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ Company Name ] for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 Section 602 A and 15 U.S.C. 1681 Section 604 A Section 2. This complaint pertains to inaccurate and misleading information reported by [ Company Name ] regarding several accounts associated with my credit profile. 

The following accounts are at issue : XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX It has come to my attention that these companies have inaccurately reported information related to these accounts, which has had a detrimental impact on my credit score and financial well-being. Specifically, the reported information does not accurately reflect my financial obligations or payment history. 

According to 15 U.S.C. 1681 Section 602 A, consumer reporting agencies such as [ Company Name ] are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information provided to creditors. However, the information provided by [ Company Name ] regarding the aforementioned accounts is demonstrably inaccurate and misleading. 

Furthermore, under 15 U.S.C. 1681 Section 604 A Section 2, consumers have the right to dispute inaccurate information contained in their credit reports. I have attempted to dispute the inaccuracies associated with these accounts directly with [ Company Name ], but have not received a satisfactory resolution. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against [ Company Name ] for its violations of the FCRA. Additionally, I am seeking prompt correction of the inaccurate information reported by [ Company Name ] and restoration of my credit profile to its accurate state. 

Thank you for your attention to this matter. I look forward to your prompt action in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a terrible awful company and that includes all the XXXX you read on the internet I looked into it a little bit I can explain all about it later. first I'd rather get a response. 
In short I've talked to customer service with Experian and this is not just about problems with their customer service this is about problems with their advertising and ads as well as their customer service which means that if those two are a problem that I'm reporting on this is a major deception of the consumer. Fake people and downsizing to cut costs, but then adding on top of that horrendous customer service... I mean you would think there's a bunch of whores they picked up from a gutter and said here have a job. Then told them to design a world-class phone automated system and have everybody have the exact same accent and voice as everyone else whenever I call and reach customer service. It's amazing how many different XXXX 's and XXXX 's and XXXX 's sound exactly like this one XXXX that I heard one time calling. I think that there's not only a bunch of different people frauding as one I think it's one person being forced to fraud as many. They're never XXXX and it's nothing but a bunch Oriental or XXXX people who always answer the phone and I mean the exact same dialect the exact same speech patterns everything about him is the same except for the name that they give you each time. 
I promise if you were to put it tape recorder to that you would not just find her identical twin sister you would find that in some way lying to the public and giving a false name to the public that's enough of it own problem. So what if it's meant to protect the employee that's not what they need to worry about. They need to worry about defrauding the public. Which is what happens when you're 96 % to a person or company 's credit card for instance, but you're denied like I was twice which had a double hit on my credit score because there are flaws in the system. RESPOND please. I don't want this taken under consideration I want this handled. Someone helped my credit score get low enough to where it wouldn't be accepted and then all of a sudden it dropped like a rock. That's what happens to a mentally XXXX person in California.
Product: Student loan

I have had my federal student loans in a forebearance status due to financial difficulties. I have explained this to Navient on multiple occasions and asked that my private student loans be offered a forbearance or similar waiver to coincide with my federal loans. I was not offered any assistance or alternatives, but instead told I had to repay my loans despite the hardships I was experiencing. Due to me not being able to pay, my private student loan went into collections, which has made it difficult for me to obtain credit. I am currently in good standing with my federal loans with an approved forbearance status.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax asking them to update my credit history to match that of the other reporting companies and they have not made any changes resulting in a score thats way beneath the others. This continues to hurt my overall score because of their neglect to stay up to date.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX TX XXXX there should be no other information listed on my consumer file. XXXX keeps stalling my complaint by requesting my identification and social security card but each time I have attached this information to the complaint. This is my final attempt to get you to remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are DEPT OF ED/XX/XX/XXXX DPT ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XX/XX/XXXXXXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX XXXX.
Product: Credit card or prepaid card

I paid my card off in full on XX/XX/2020. After payment, Wells Fargo ( XXXX ) charged interest to the card for several months before I noticed. I only knew about it because I checked my credit report. Mail was delayed getting to me due to COVID-19. When I called the company, they admitted that interest was charged 2 days after I paid the card off in full. The interest should have been calculated in the payment amount as was the other fee. The company returned the other fee but refused to removed derogatory information from my credit file. I would like this removed from all 3 credit agencies.
Product: Credit card or prepaid card

On XX/XX/2021 I received an email from Wells Fargo letting me know they were closing my deposit account. I initially thought the email was spam, but I do have a credit card with Wells Fargo so on XX/XX/2021 I called to inquire as to what the email was in regards to. I was told that a deposit account was opened approximately the first part of XXXX and the fraud department flagged it, then decided to close it. Upon further investigation with Wells Fargo it was discovered that Wells Fargo had linked the fraudulent bank account to my credit card since the SS numbers matched. This fraudulent bank account was opened with the wrong information but since the SS numbers matched they linked them together. Wells Fargo put a hard hold on the checking account on XX/XX/2021 but also restricted my credit card so I was unable to use it and also unable to close the card and have a new one issued. After several days of trying to get to the correct department at Wells Fargo to get the restriction lifted on my credit card I was able to reach them on XX/XX/2021. I asked them to lift the restriction on the credit card, when they did, they also lifted the hard hold on fraudulent bank account since they were linked together. At that time I requested the credit card and fraudulent bank account be closed immediately. I was told if I closed the credit card with Wells Fargo I would not ever be eligible for credit with them in the future. That's perfectly fine with me, why would I? I spent in total over 6 hours on the phone with Wells Fargo trying to get this rectified. I have been told the card is cancelled and the fraud report can take up to 30 days to clear. They said I will receive notice by mail once all is settled. I have filed a police report as well froze my SS number and placed fraud alerts at all 3 credit reporting agencies.
Product: Credit card

Nordstrom FSB has posted a delinquent charge on my credit report. In XXXX 2011, someone fraudulently opened a Nordstrom FSB credit card in my name and charged {$720.00}. I called Nordstrom FSB, sent them my actual information to show them my current address, phone number, the date I have lived at the current residence. They advised me they would cancel the account and close it as being fraudulent. They never closed the account and it is still listed as open on my credit report. I need them to close the account and list it as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

my auto loan with XXXX XXXX  is inaccrate and is reporting different things on each bureau which they have billing errors on the report and i didnt give permission for any of this to be reported which is now causing problems with my employment as a XXXX XXXX at the dealership please remove the late payments off of my consumer reports
Product: Debt collection

I am filing this complaint against Experian for failing to remove inaccurate information from my credit report within the timeframe mandated by federal law. On XX/XX/year>, I disputed the inaccurate reporting of an account from XXXX on my Experian credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under the FCRA, credit reporting agencies are required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute, or 45 days if additional information is provided. However, Experian has failed to comply with this legal requirement, as the disputed account remains on my report beyond the statutory timeframe. This failure has negatively impacted my creditworthiness and caused me financial harm.

Additionally, under 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to ensure the accuracy of the information it reports. The continued presence of this inaccurate account demonstrates a clear violation of this obligation. Furthermore, I have the right to an accurate credit file under the Fair and Accurate Credit Transactions Act ( FACTA ), yet Experians inaction has deprived me of this right. Their negligence in correcting this error not only violates federal law but also hinders my ability to secure credit under fair terms.
Product: Credit card or prepaid card

My Citibank credit card has many many false charges. This occurred a few weeks ago. I have tried 3 times to get help from the call in dispute center. EVERY time it takes a long time to eventually get to the correct dept and they disconnect the call. There is no physical branch in Colorado. I need all of these false charges removed. I need someone from Citibank to contact me to resolve.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$210.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$1000.00}
Product: Credit card

Today XX/XX/year>, I called Capital One and spoke to 3 different reps requesting 90 days of payment deferment and to lower my monthly payments for a period of time. I advised them I was in a financial hardship and have medical issues. They advised they do not have any hardship programs available. They only advise they will not charge me late payments fees
Product: Credit reporting or other personal consumer reports

Looking over my documents I notice that I do not have a copy of the contract that I have with Experian or the debt collections that is on credit profile. Under the FCRA it is the Responsibility of Experian to ensure that they proper documentation from me stating that I gave the some form of permission or to show proof of some contract to report these accounts on my credit profile.. May they provide copy of the written documents or some form of agreement to where I gave them permission to report these account on my credit profile. XXXX XXXX XXXX account number XXXX, XXXXXXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Wells Fargo Bank has refused to reimburse me for monies that were stolen via the ATM using my savings account and presumably a pin. At no time did I authorize anyone to continuously use a debit card to withdraw money from my savings account nor was pin written down or given to anyone. This fraud was done sometimes 2-3 times a day on different debit cards. Since the fraud also happened on my checking account with illegal purchases, after reporting the fraud on my checking account to Wells Fargo and since these were for purchases, Well Fargo reimbursed me. So I would keep getting new debit cards. Since I never used my debit card to withdraw money from my savings account, I did not notice that fraud was also be used against my savings account slowly draining my account. I understand Wells Fargo policy of how many days I had to notify, etc. and although there was over {$2600.00} worth of money that was taken against my account, I was not expecting the entire amount. However, Wells Fargo still insisted that these were done by me or someone I knew and have refused to reimburse my account. Thus, over {$2000.00} of my money has been stolen and Wells Fargo ( because they ca n't prove otherwise and presumably their fraud insurance does n't cover this ), had just shut down my account leaving me to find a new bank. This all took place in 2016.
Product: Debt collection

The reason for the credit card debt is because, husband was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  and can't work at all. So, with only one income it was hard too keep up with the payments.