23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reached out to the ombudsman department requesting a review of my account. I received a call on XX/XX/2023 wherein the offered me the following : New principal balance : {$370000.00} Interest : 5.994 % Term in years : 23 years I followed up on XX/XX/2023. I received a secured email letter stating the formal offer/modification is forthcoming on XX/XX/2023. 

I followed up again on XX/XX/2023 and received a letter informing me the offer was not approved. 

I have a Motion for Summary Judgment scheduled for XX/XX/2023. I did not retain counsel to represent me because I believed we reached a settlement. If I did not follow up I would not have learned that the formal modification was not coming. 

Now I am not prepared to argue against the Motion for Summary Judgment. This appears to be more misconduct by the lenders. 

Wells Fargo is the lender and XXXX is now the servicer.
Product: Credit card or prepaid card

I opened a new American Express XXXX XXXX XXXX card and went through steps to set up automatic payment after the account was opened. After the initial account opening I was unable to access the payment screens of American express website. I assumed the autopsy would make they payment but apparently there were technical issues and the payment never posted. I chatted with American Express and they acknowledged the technical issues and they agreed to refund the late fee but would only refund {$40.00} of the interest assessed. 

This is not a fair solution, had the website worked, I would accept the finance charge. But it did not and Amex knew it. Therefore I should not be charged interest if I can not make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX - partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer,  as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, 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. 
Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : US DEPT OF EDXXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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: Mortgage

On XXXX XXXX, 2016 I called my mortgage service provider ( Caliber Home Loans ) to inquire about the removal of PMI from my home loan. I was told by the Caliber rep that it could not be removed until 2 years of mortgage payments were made on this existing loan even though my current Loan to Value was less than 80 % of the current home value. After stating to the rep that I thought that this PMI removal requirement was weird, she agreed to send me me out the PMI removal package immediately. After 1 week of waiting, I call back Caliber to determine where my PMI package was at this point. I was told by this other Caliber rep today ( XXXX ) that this PMI removal package would not be mailed out to me until mid-XX/XX/XXXX due to the current overwhelming demand of this same request from other homeowners. At that point in time, I told the rep that I would file a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The XXXX XXXX {$130.00} I looked at my XXXX and Equifax report on XX/XX/2024 and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Those failures align with my experience, where Equifax has neither corrected nor remove red disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective actions to remove or amend the disputed accounts as Equifax inactions violates Federal law and my rights as a consumer.
Product: Mortgage

I am looking to buy a distressed home owned by Wells Fargo and it has been vacant for 10 years. The reason I am looking to purchase a bank owned home is because of my student loan. Anywho, they wo n't sell me the house, respond to my inquiries nor will they answer my questions about whether they should even have the right to hold the property as an asset when they themselves are in fact bankrupt and do well to hide these nonperforming assets from their balance sheets all in the meanwhile, rejecting hard working citizens from mortgage approvals and a better way of living as decent taxpaying citizens. Wells Fargo has never seen this house nor do they understand the condition of the Home. If I did win this case, I might never make enough money in my lifetime to fix it due to the deterioration stemming from such long term vacancy. I have even tracked down the person who abandoned the property, well at least a family memeber who informed me that they have jet set their way back to XXXX, ten years ago. I am completely sure that Wells Fargo, in question, has never looked at what the assessors office says about the property and do not even realize that the property history shows this house to have been sold for {$1.00} at one point in time. I am merely seeking a letter of recommendation to the land court, [ where I intend to take this consumer protection issue in question ], from the CFPB to insist on the sale of this property for the maximum amount of taxes owed, to increase property tax revenue for the betterment of the State. Taxpayers should be able to find vacant homes that are no performing and be able to flip them or keep them. Is n't that what Reaganomics XXXX & XXXX is all about? Is that possible?
Product: Credit reporting or other personal consumer reports

There are inquiries that I did not authorize reporting on my credit report. 

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXt XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inconsistencies, inaccuracies, missing information, and credit bureaus not performing proper investigations on several accounts on my credit report. I have attached a copy of each account and screenshot of my credit report Upon reviewing my credit report, I have found several errors that are negatively impacting my credit score and financial well-being. Specifically, I have identified the following issues : Inaccurate information : Some of the information on my credit report is inaccurate, such as incorrect account balances, dates of delinquency, and payment history. 

Missing information : Some accounts that I have closed or paid off are not listed on my credit report, which is preventing me from demonstrating my creditworthiness. 

Inconsistencies : There are inconsistencies in the way my personal information is presented across different credit bureaus, which is causing confusion and potential identity theft risks. 

Improper investigations : Despite disputing some of the errors on my credit report previously, the credit bureaus did not perform proper investigations and have failed to correct the inaccuracies. They have violated several FCRA laws and they were not fair in their investigation and reporting. 

These errors are impacting my ability to obtain credit and are potentially causing harm to my financial reputation. I have attempted to resolve these issues by contacting the credit bureaus directly, but I have not received satisfactory responses. 

I am requesting that the CFPB investigate these issues and take appropriate action to ensure that the credit bureaus are held accountable for their actions.
Product: Checking or savings account

I opened up my US bank checking account on XX/XX/2022. I was offered {$500.00} when I had direct deposits totaling {$6000.00} or more into my new checking account. I contacted US bank on XXXX XXXXThe bank rep XXXX told me that I met the bonus requirements and that I would get my bonus within 4 weeks. XXXX told me if the bonus was not automatically applied to my checking account then it would be manually given if I called back. I did not get my bonus and when I escalated it to customer service on XX/XX/XXXX I was told that I did not meet the requirements. I asked to speak to the manager and I was told I would get a call back within a few days. US bank never called me back. Not only did I not get the {$500.00} bonus as promised, the manager never called me back to show that they cared about the matter or wanted to reach a proper resolution with me. I have multiple products with US bank and feel they have disrespected my time.
Product: Credit reporting

XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE XXXX DAYS NOTICE, AT XXXX AT XXXX XXXX BAD XXXX XXXX I WAS NOT MOVING TIL XXXX DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE XXXX YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX XXXX ; T KNOW FOR WHAT I PAID I. XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX PROMISED, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND XXXX OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...
Product: Student loan

My  School Loan h older is Navient. Todays complaint was initiated by me checking my loan on their website to verify that my payment went through. My payment is scheduled fo r Auto Debit eve ry month. I have never missed a payment. However their site has informed me that I missed a payment and the original due date of   X/XX/17   is no longer there but now is forwarded to next month  X/XX/17.  Ever since I started paying more on my loan there has been computer errors or mishandling of my payments frequently. I have to waste countless hours to give over sight to a company that has been using policy they make up to get the most profit interest they can. I am sick of this company and have been dealing with their incompetence for years. I want to join the lawsuit against them and make a formal complaint against them. I have had it. I am sick of trying to pay my bill on time and have to be aggravated all the time with their inability to process normal standard billing procedures.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate and Unauthorized Items from Credit Report To Whom It May Concern ( XXXX, XXXX, Transunion ) : I am writing to formally dispute several items on my credit report under the protections afforded to me by the Truth in Lending Act ( 15 USC 1666B ) and other applicable federal consumer protection laws. After thoroughly reviewing my credit file, I have identified the following inaccurate and unauthorized entries that require immediate correction and removal : 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : I did not authorize this account. Additionally, I did not receive notification or documentation regarding the transfer or sale of this debt to a third party. 

Violation : The failure to notify me of this transfer and the inclusion of unauthorized charges directly contravenes 15 USC 1666B. 

Reason for Dispute : This entry contains inaccurate information and was added without my consent. I have no record of authorizing this transaction.

Violation : As per 15 USC 1666B, charges or items appearing on my credit report without proper authorization are subject to dispute and must be removed promptly. Reason for Dispute : The information provided in this entry is inaccurate and does not reflect any authorized activity on my part. 

Violation : Reporting this item without verification or proper documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1666B.

Supporting Evidence : Following 15 USC 1666B, I am asserting my right to : Dispute unauthorized or fraudulent charges appearing on my credit report. 
Retain payment or acknowledgment of any such charges during the dispute process.
Product: Mortgage

I was finally provided a loan forgiveness from Bank of America of {$120000.00} in XXXX 2015. I was also given a letter from Monitor of the Bank of America Mortgage Settlement stating that Bank of America has set aside {$490.00} XXXX in funds for tax relief for those of us that receive a loan forgiveness from BoA. I am now sitting with my taxes and seeing that I owe over {$40000.00} in State and Federal taxes due to the loan forgiveness. I have attempted to contact the XXXX but they have stated they are no longer providing tax relief. I have gotten no further information on how to access these funds.
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 168b permissible purposes of consumer reports. 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. 

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 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 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 XXXXs violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

I have a fraudulent debt from Helvey & Associates for {$210.00} placed on XX/XX/ that I was just made aware of as it caused a XXXX  point credit score drop. It stems from XXXX XXXX whom Ive had no debt with. I am completely on time with their payments and have not been contacted by XXXX for anything, nor is there any record of an outstanding balance that went unpaid. I have also not be contacted by Helvey & Associates. This debt is fraudulent.
Product: Money transfer, virtual currency, or money service

I can't remember it's been a couple years but it's a couple XXXX dollars. I made a online purchase and the company never sent the merchandise and because I paid through cashapp I requested a refund in which they did honor at first and later took back placing account in the negative. I had no way to contact cashapp and speak with anyone. I have several issues that happend last year that they fail to resolve and still no customer service rep. I've paid payments through them that they have taken so long to sent that has resulted in a disconnect.They have also charged more on some things than priced
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute inaccurate information being reported on my credit report regarding the above-mentioned accounts with the Department of XXXX. Both accounts ( XXXX and XXXX ) are incorrectly showing XXXX late payment, despite the fact that I have never made any late payments on these accounts. 

I have already disputed this issue with XXXX, and they have corrected their records to reflect both accounts as Paid as Agreed. However, despite the correction, Experian and XXXX have failed to update my credit report to reflect this, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Specifically, Experian are in violation of : FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting inaccurate late payment information that has been corrected by XXXX is a violation of this requirement.

FCRA Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] : Upon notification of a dispute by the consumer, credit reporting agencies must conduct a reasonable investigation and correct or delete inaccurate or incomplete information. The continued reporting of inaccurate information after a pr
oper investigation violates this section of the FCRA.

FCRA Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ] : Furnishers of information to credit reporting agencies, like XXXX, are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Since XXXX has already updated the account to " Paid as Agreed, '' the failure to correct this information with Experian and XXXX is another violation. 

This ongoing inaccuracy is unjustly harming my credit score and causing emotional and financial stress, as I am being hindered from utilizing my credit properly. All credit reporting agencies are legally required to report accurate and consistent information, and this failure is negatively impacting my financial well-being.

I respectfully request that you : Immediately conduct an investigation and correct the inaccurate information on both accounts to reflect " Paid as Agreed. '' Provide me with written confirmation that these updates have been made to my credit report.

Cease reporting any inaccurate late payment information to prevent further harm. 
Enclosed is my updated XXXX credit report, which confirms the correction of this information by XXXX. 

Please take action as required under the Fair Credit Reporting Act, and notify me of the results within 30 days of receiving this letter, as required by law.
Product: Mortgage

XX/XX/XXXX : Mortgage Loan Payments for the month XX/XX/XXXX were sent XX/XX/XXXX : received a call from Flagstar Bank that I didn't pay XX/XX/XXXX payment XX/XX/XXXX : 20 mins  later received a call that XX/XX/XXXX payment was received but they applied it as a Payment for XX/XX/XXXX ( which was made in the beginning of XX/XX/XXXX ). I made it clear to them that no one should be calling me or my wife before the 15-day grace period. Per the representative, it was notated that it wont happen again. 
XX/XX/XXXX : My wife & I are still receiving calls that we have to make XX/XX/XXXX and XX/XX/XXXX payment since yesterday even though I explained them the XX/XX/XXXX payment will be within the grace period for them to understand that its a XX/XX/XXXX Payment.