23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX BALANCED {$640.00} XXXX XXXX BALANCED {$320.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$230.00} XXXX  XXXX XXXX  XXXX BALANCED {$30000.00} XXXX  XXXX BALANCED {$350.00} DEPT OF EDUCATIONXXXX XXXX BALANCED {$0.00} DEPT OF EDUCATION/XXXX  XXXX BALANCED {$0.00} DEPT OF EDUCATIONXXXX XXXX BALANCED {$0.00} DEPT OF EDUCATIONXXXX XXXX BALANCED {$0.00} DEPT OF EDUCATIONXXXX XXXX BALANCED {$0.00} DEPT OF EDUCATION/XXXX  XXXX BALANCED {$0.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 

If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Debt collection

The debit from XXXX is showing as in collections on my credit report. 
Date Open is stating on XX/XX/XXXX, XXXX creditor -XXXX  for the amount of XXXX. I contacted wayfair once I seen it was on my credit. They stated after investigation that they didnt show that anything debit or account was listed under name and information. They then sent me a documentaion on XX/XX/2020 stating that they terminated collection and have indeed do NOT have a balance nor any debit with them. 
I have the orginal documentaion available.
Product: Mortgage

Loan # XXXX ; client # XXXX ; foreclosure index XXXX. In XXXX Wells Fargo and Wells Fargo employee, XXXX XXXX, stole our home by not adhering to guidelines provided under the XXXX XXXXXXXX. Wells Fargo refused to grant a loan modification request and insisted through several letters " additional documents required '' to short sale our home. Wells Fargo refused to let me purchase my own home. Before and after short sale- Wells Fargo told us we can not buy any property for XXXX XXXX  ; we can not sell our home to our family. I respectfully demand to be properly compensated. I demand to be put back in a position as if Wells Fargo had done the right thing. My stolen house is now worth {>= $1,000,000}. I bought house for {$440000.00} in XXXX with now defunct and equal pariah XXXX holding my mortgage. My house was eventually refinanced with XXXX XXXX which merged with Wells Fargo. Wells Fargo and XXXX XXXX short sale our home for {$550000.00}. Every one else, including greedy Wells Fargo walked away with significant money in their pockets while my nest egg was blown up in our faces. We walked away with {$0.00}. I demand compensation of no less than {$570000.00} immediately.
Product: Credit card

On XX/XX/XXXX, I encountered two distinct offers for the Chase Sapphire Preferred card : a pre-approved invitation from Chase promising XXXX bonus points and a public online offer for XXXX bonus points. 

Upon applying for the card via the public XXXXpoint offer, I was promptly denied on the grounds of " an excessive number of credit inquiries, '' a rationale that puzzled me given my record of only one inquiry over the past 12 months. What is particularly baffling is that, on that very same day, I applied via the pre-approved invitation through the Chase Mobile app and was instantly approved but for the lesser XXXX points offer. The stark contrast in the outcomes, both rendered within hours of each other, raises serious concerns about the consistency and fairness of Chase 's evaluation system. 

I subsequently contacted Chase Card Services on XXXX XXXX ( as indicated by my communication dated XXXX ) to request a match to the XXXX bonus points offer. The first response I received was on XX/XX/XXXX, stating that my account had a temporary hold by the Fraud Department, and they couldn't review the bonus offer at that time. 

My concerns were escalated to an investigator on XX/XX/XXXX. However, despite the gravity of the escalation, there was a prolonged silence from Chase. It was only after my follow-up message in XXXX that I received feedback. On XX/XX/XXXX, I was informed that my account ( ending in XXXX ) wasn't eligible for the XXXX bonus points promotion, and a match to this offer was refused. 

Throughout this period, there were noticeable delays in communication, and the issue has not been resolved in a manner I deem fair.
Product: Debt collection

My husband XXXX sent a letter to the company on XX/XX/2020 with a check and letter detailing what accounts the payment of {$100.00} was to be used on. It also included a request for NO CALLS for the cell phones for me and my wife. 
To this date ( XX/XX/2020 ), the check has not been cashed and the calls are continuing. The address to which the letter was sent was verified as correct.
Product: Checking or savings account

I used Chase XXXX XXXX and issued a check to XXXX XXXX XXXX on XX/XX/2024. Chase sent the check to another merchant in another town that cashed the check. The check has the correct information and mailing address on the front. XXXX XXXX did not receive the check. The attached proof of payment clearly shows the check was sent to another merchant that I have never heard of.
Product: Credit reporting

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Debt collection

On XX/XX/2020, I [ XXXX XXXX ] made a second attempt to resolve a debt in the amount stated by a representative of XXXX XXXX XXXX ( {$2300.00} ).  Previously, I received calls from this company asking me to verify personal information prior to discussing why they were calling ; the representative doing the initial contact stated my account [ XXXX ] is with their legal department, the day I contacted them the same line of inquires from the representative was deployed. I felt pressured and uncomfortable verifying my personal information before anyone would discuss this account. the tactics is an attempt to gather additional information on individuals. After this information was confirmed by me, and my financial status known the representative knowing my inability to pay the total amount informed me the only way I would be able to set-up arrangements was to make a deposit of {$710.00} at {$50.00} a month. Initially, I informed contact I realistically couldn't afford anything above {$25.00} a month. This company wants to set the terms and amount of any potential agreement. It's my understanding that The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. I'm requesting fair treatment be granted, tradeline be removed from credit files and credit files be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( shown as Credit Control ( collector for doctor office ) on bankruptcy paperwork - can match Addresses between credit report & bankruptcy rpt -  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ) is reporting to XXXX  an account in collection status but account was discharged in bankruptcy XXXX XXXX, 2019. Account needs to be removed from collections.
Product: Credit reporting or other personal consumer reports

I filed disputes on XXXX accounts on my Experian credit report. Experian failed to notify me in writing of the investigation results or provide verification details, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I only discovered the dispute results by logging into their website. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency must provide written notice within XXXX business days after completing an investigation. I request that Experian be held accountable for this non-compliance and for corrective action to be taken.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I sent a legal notice to Sunbit Now, LLC ( " Sunbit '' ) rescinding my consumer credit transaction with them. There were several grounds enumerated such as : ( 1 ) failure to provide full disclosure of my right to rescind in accordance with the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1635 ) and Regulation Z ( 12 C.F.R. 226.23 ) ; ( 2 ) transparency regarding the process of consumer credit application being the financial asset ( 12 C.F.R. 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 C.F.R. 260.11b-6 ). There were also other TILA violations and I reserve the right to raise them -- both federal and state -- at arbitration and in federal/state court. By operation of law, upon receipt of the notice this transaction is void and Sunbit has twenty days from receipt to return all monies paid in connection with the transaction ( 15 U.S.C. 1605 ( a ) ). Yet, more than twenty days has past and Sunbit has not returned the monies owed. Additionally, they continue to perpetuate fraud and send harassing emails for payment on a loan ( " agreement '' ) that is void by operation of law. Moreover, Sunbit continues to report a balance owed on this voided loan to all three major credit reporting agencies in violation of the Fair Credit Reporting Act ( " FRCA '' ). Sunbit take notice that this action constitutes a violation of the FCRA and I will not hestitate to pursue remedy by means of arbitration and or by federal law suit.

Moreover, I never gave Sunbit my permission to disclose nonpublic personal information. Any consent- whether verbal, non-verbal, written, implied, or otherwise is revoked. Additionally, Sunbit never informed me of my right to opt-out of disclosure as required by law. See 15 USC 6801, 1681b ( a ) ( 2 ) ; see also P.L. 90-321 ( 82 Stat. 146 ). 15 USC 1681C ( a ) ( 5 ) states " [ e ] xcept as authorized under subsection ( b ), 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. '' This account is an adverse item ( which is not a record of convictions of crimes ) that Sunbit and XXXX are reporting without my permission. This is against the law. 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) further states " [ 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

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name XXXXXXXX XXXX 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: Checking or savings account

I applied for a savings account on XX/XX/18 through a {$400.00} promotion listed publicly on their website. The same promo terms can be found here : XXXX XXXX   XXXX? XXXX &   XXXX I deposited {$15000.00} as the terms stated, and left that deposited for 60 days. I waited over 90 days for the bonus to post, as noted in the terms. It has been well over 5 months since signing up for the promotion. 

I recently contacted their help center for the above issue and after being shuffled around to three different reps, I had one who helped me open a case. 

That case number is : XXXX. 

I was told that I could expect a call and a letter by today, and I have heard nothing from Citi. It appears that Citi does not honor the terms of promotions.
Product: Mortgage

I closed on my VA mortgage with Guaranteed Rate Mortgage on XX/XX/XXXX, and my first payment was due on XX/XX/XXXX. The loan number was XXXX serviced by XXXX XXXX and was for property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK, XXXX. 

I mailed my initial payment around XX/XX/XXXX, in the amount of {$1500.00} via a check, mailed to the initial mortgage servicer. This payment was eventually returned to me, stating they were unable to locate the account. 

On XX/XX/XXXX, Guaranteed Rate printed and mailed a letter, stating the loan has been transferred from Guaranteed Rate/XXXX XXXX to XXXX XXXX XXXX effective XX/XX/XXXX. This letter was not received until sometime after XX/XX/XXXX. The new loan number with XXXX was to be XXXX I monitored my checking account and found the XX/XX/XXXX, payment was not processed. On XXXX XX/XX/XXXX, I called Guaranteed Rate/XXXX, who stated the loan had been transferred to XXXX, but they could still take the payment and transfer the payment to the new servicer. I authorized a payment in the amount of {$1400.00} to ensure I was not late making a payment for my mortgage, confirmation number XXXX. 

Based on the letter provided by Guaranteed Rate/XXXX, I made my next two payments to XXXX, in the amounts of {$1500.00}, which were deducted from my account on XX/XX/XXXX, and XX/XX/XXXX. I mailed the second payment on XX/XX/XXXX. 

The morning of XX/XX/XXXX, after mailing my XXXX payment, I contacted XXXX because I was unable to set-up my online account. XXXX customer service stated loan number XXXX, was not assigned/associated to/with me. Additionally, XXXX did not have a loan number associated with my Social Security Number. 

I hung, up and called Guaranteed Rate/XXXX. During this call I was informed I was late on my payments and that my new loan number was XXXX. During this call I relayed my making payments on time and that this was a mistake. 

Since XX/XX/XXXX, I have contacted Guaranteed Rate/XXXX  at least twice a week only to be told, they are working on the problem. 

It has been five and a half weeks of me calling multiple times per week, spending multiple hours of annual leave trying to get this fixed. 

I called today, XX/XX/XXXX, after having provided proof of payment and having been told this would be solved by XX/XX/XXXX, then XXXX, and now XX/XX/XXXX. 

Additionally, Guaranteed Rate/XXXX  failed to pay my property taxes, notified the VA my mortgage is in default, and continue to attempt to collect payments, which have already been made. 

I have made my payments on time and continue to get the run around about these payments. 

I need some assistance getting Guaranteed Rate/XXXX  to properly apply these payments. 

In order to protect myself, today after ending my telephone call with Guaranteed Rate/XXXX, and notifying them of the action, I disputed the three transactions with my banking establishment. 

Please feel free to contact me if you need anything from me, XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' 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. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Good morning I'm presenting a complaint of the following companies. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 to 15 USC-1681 ( E ) ( B ).

15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have a credit card with Capital One with a monthly due date of theXXXX XXXX. 
I made my monthly payment XX/XX/year> but the payment was apparently held for a day and I was charged a {$29.00} late fee the next day on the XXXX. 
Upon calling I was told payments are not accepted after XXXX XXXX  on the due date. 
I apparently made my payment around XXXX. So there is, in reality, the availability of only a partial due date. 
In this day of automatic/instant payments this is disconcerting and puzzling. 
Of course this practice greatly enhances the collection of exponential fees/profits. 

Concerning the excessive " late '' fee of {$29.00}, the CFPB website clearly states that late fees are not to exceed {$8.00}.