23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage with XXXX XXXX XXXX  was sold to Chase in XX/XX/2021. I already had a credit card account with Chase, and because of shoddy web programming I can't sign up for their mortgage web portal. I have had no luck in contacting them by phone, after literally hours on hold, and several calls. I wrote them an email, their response was to ignore my complaint about my mortgage, and put a hold on my credit card. 

The one time I *was* able to reach them by phone, they hung up on me. 

My mortgage bills QUITE CLEARLY STATE : Convenient and easy ways to make your payment : " Enroll in automatic payments at www.chase.com or back of coupon statement Make your payment at XXXX '' I was under the distinct impression it is a violation of Federal law to make false or misleading statements on debt collection instruments.
Product: Mortgage

. I received a letter today from Wells Fargo saying I am approve for a short sale. I have to le them know by XX/XX/XXXX which is only a week away. I dont feel that is enough time to decide. First off we have no place to live. We are seniors and have been trying to get into affordable housing but there are waiting list 2-3 years long. My husband is disable and is home bound. I will have to pay a service to get him out of the house. My main problem is the length of time Wells Fargo gave me to decide for a short sale or not. A short sale is a life changing event. I will like to file a complaint about the short sale time line.
Product: Debt collection

I received a letter from Account Adjustment Bureau Inc stating I owed them {$15000.00}. I have no knowledge of this account or dollar amount and I strongly believe it may be a fraudulent account or mixed file. I asked the collection company for debt validation and other documents presented by me including signatures stating that I agreed to pay them this amount. The collection company has failed to do so and has been repeatedly calling my phone and my place of employment harassing me.
Product: Debt collection

Im part of the XXXX data breach along with many millions of others, I did get a small check recently, when I learned I was affected, it was right after it was announced, XXXX didn't report anything lost.. I had some credit card debt and huge APR loan appear I believe due to data breach, my main email and SSN was stolen. Also my credit report is blank but when I see the score and items listed anywhere else, it's a mess.. I'm including screenshots I tried to last time and they would not upload and without those its hard to understand why. This is the from the first complaint I didn't have documents, they wouldn't upload. 
ref # XXXX
Product: Credit card or prepaid card

I subscribed to a service XXXX XXXX from XXXX. I cancelled service in 2020. I received and still have an email from XXXX saying my service was cancelled XX/XX/ 2020. I find out they have been charging me since. Even after I cancelled and received a new card number. I call citi/best buy and they have me call XXXX. I do, no help. I enter the dispute process with best buy/ citi. 2 days later I get an email saying nothing they can do. I call customer service this morning and was hung up on 3 times before I was able to reach a manager, who told me she could give me a fax number. Who has a fax machine? I asked for email address or address to mail and was told their regulations don't allow that. This is a theft of at least XXXX at this point, from a company that makes billions.
Product: Credit reporting

I purchased a vehicle and the dealership pulled from XXXX other finance companies. The credit inquiries were being counted as individual ( XXXX ) vs as only XXXX for car shopping. This occurred within a 12 day period. I disputed the information as the inquiries show individually causing an unfavorable credit report. Experian has done nothing to correct this matter despite my disputes. I also attached a few letters from creditors that sent requests to remove inquiries from my report to Experian and only XXXX has been removed.
Product: Credit card or prepaid card

Dear Consumer Finance team, Few weeks ago I have tried to make two payments on my credit card issued by Bank of America : Both payments from XXXX accounts ( one checking and one from a brokerage account ). 
Little that I knew that it is not allowed to pay from brokerage account, Bank of America ended up stopping one of my payments ( coming from brokerage account ) ; however, they suspended my ability to rectify old payments or to make new payments. 
After calling them and spending hours, they mentioned that it will take 3-5 business days to rectify this service ( hence blocking my ability to make any payments into my card, luckily I didn't have any payment due ) and they charged me a XXXX $ fee for this error. 
I have contacted them and asked them to reverse fee, because it is pure consumer exploitation ( other banks they notify you that payment wasn't processed but never block or charge you fees for that ). 
They never cooperated with my case. I believe : 1- Blocking your ability to make payments for 5 days is exaggerated 2-XXXX $ fees for not having a payment processed is horrendous Thank you for your attention. 
Best, XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX with the following details : Account Details : Account Number : XXXX High Balance : {$23000.00} Last Verified : TransUnion XXXX XX/XX/XXXX ; XXXX : Not Reported ; XXXX XXXX Not Reported Date of Last Activity : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported Date Reported : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX : Not Reported ; XXXX XXXX Not Reported Account Rating : Closed ( TransUnion, XXXX ), Paid ( XXXX XXXX Account Description : Individual Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed ( TransUnion, XXXX ), Open ( XXXX XXXX Payment Status : Current Creditor Remarks : Closed ( TransUnion ), Paid ( XXXX and XXXX XXXX Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Despite my requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXX ), no changes have been made to the inaccuracies reported by TransUnion XXXX XXXX, and XXXX XXXX The late payment information reflected on my report is incorrect. Specifically : Two-Year Payment History : Late Payments : XXXX, XXXX, and XX/XX/XXXX : 30, 60, and 90 days late, respectively XXXX and XX/XX/XXXX : 30 days late These dates and statuses are erroneous, as payments were made timely during the mentioned period. 
Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The inaccuracies in my credit report demonstrate a failure to comply with this requirement.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide periodic statements at least 21 days before the payment due date. These reporting errors indicate potential non-compliance, causing undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, ensuring consumers are not unfairly penalized for non-payment.

Resolution Requested : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the corrections. 
Failure to address this issue promptly will result in escalating my complaint to additional agencies and pursuing legal action. I trust that you will take immediate corrective actions to resolve this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company portfolio recovery associates is reporting fraudulent inaccurate information on my credit reports ; XXXX, XXXX and XXXX. I have requested in writing that they provide the purchase agreement twice, XX/XX/2024 and XX/XX/2024, to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me and every time I have asked for such documents they re-age the debt and drops my credit scorXXXX which has been preventing me from homeownership for over XXXX years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( XXXX XXXX CT FLORIDA XXXX XXXX ), ( XXXX XXXX XXXX ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( 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 ). ALL FRAUDULENT INQUIRIES
Product: Credit reporting or other personal consumer reports

Someone who probably has my personal information applied to get credit cards causing inquires on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Debt collection

I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( I.C System Inc. phone XXXX ) and ( XXXX phone XXXX ). XXXX debt collectors are based in MN. XXXX company ( I.C. System Inc. ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( XXXX ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can XXXX debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for XXXX should be removed immediately.
Product: Mortgage

I refinance my mortgage with Amerisave the mortgage company. 
I was provided the wrong loan number in XX/XX/2020 to make payment on my mortgage. The payment I made was for the amount of {$5200.00} that includes for two months of payment XXXX payment and XXXX payment. The money was misapplied to the wrong loan number, in XXXX XXXX, money was electronically taken from my account via bill pay, the money was applied to the loan number of XXXX, my actual loan number is XXXX. I have called numerous of times I have sent proof of payment, my bank have also sent proof of the transaction and the bill pay receipt. My mortgage company refused to fix the problem, they continue to charge me for the two months that I have already pay for, I just hope that someone could help me in this situation. I have submitted the bill pay receipt and my account transaction activity.
Product: Credit card

I missed a balance due payment of XXXX in XXXX on my Citi Bank credit card. I did n't see the bill come in but found it later buried under some papers on my desk. I called as soon as I received my past due notice. I have been a customer since 1993 and always pay my bill in full, with rare exception. I argued that the {$25.00} late fee should be removed if they just looked at my history. I paid the {$30.00} charge but not the late fee. This month I received a bill that charges a late fee of {$37.00} on the {$25.00} late fee from last month. Now the bill is {$63.00} That simply does n't make sense. Is that legal is charge interest and late fees on late fees when no activity took place? No other charges were on the bill. I spoke with customer service today at XXXX AM EST to a young lady named XXXX who then turned me over to a XXXX named XXXX. XXXX indicated that since it was n't a bank error, it could n't be reversed. I know that is an untrue statement.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Apps XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX Fl XXXX, XXXX, NY, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$25000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Debt collection

I ETS out the XXXX XXXX XXXX 2014. In order to clear the post I had to settle all debts. One was to XXXX and the other was to the XXXX on post. With my severance pay I got from the military. Both companies then took payments out my severance package so I can complete my clearing. I've never stepped inside another military XXXX after I got out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a copy of my credit report from TransUnion, XXXX and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to TransUnion, XXXX and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. TransUnion received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from Transunion. I received a new copy of my credit report from TransUnion, XXXX and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. XXXX  Complaint ID is XXXX. XXXX Complaint ID is XXXX. Transunion Complaint ID is XXXX. XXXX Responded on XX/XX/2023. XXXX Responded on XX/XX/2023. Transunion Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX Account Number : XXXX or XXXX, worst delinquency is inaccurate. Payment history is inaccurate. Derogatory events is inaccurate. Closed date is inaccurate. Last activity is inaccurate. High balance is inaccurate.
Product: Debt collection

In  XXXX   XXXX  I moved from  XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX . Not until late  XXXX   XXXX  did I receive a move out statement. Since this was well past the 19 day limit in my state I informed the compan y (   XXXX   XXXX   XXXX   ) th at not only did I not owe them anything instead I was due my full deposit back. Which they in fact did return within 5 days? I assumed the issue was closed. 11 months later I get a letter from a debt collector about the same matter. I write and called explaining this issue had been resolved. They ( debt collector ) proceeded to place this debt on all   XXXX   credit bureaus. I am about to be homeless because these jerks make it seem as if I was evicted or something. I did n't owe the apartment complex any of that money and had they been the ones fighting me on this I would have addressed each and every reason why their calculations were incorrect. But they did not choose to fight me nor have I been taken to court.  XXXX   XXXX   XXXX  is not a company. So basically this collection agency is collecting  for NOONE!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. AGREEEMENT must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you Legally own this alleged debt and that it is accurate and complete. Thank you
Product: Checking or savings account

On XXXX I went to the teller and wrote a check for {$300.00} for deposit to my account and I handed {$200.00}. in cash to deposit into my account. {$500.00} total deposit. The lady gave me a receipt for {$300.00}. I said what is this, what about the cash. she then proceeded to give me another receipt for {$400.00}. I was puzzled, went out the door and realized she shorted me {$100.00} cash. I went back and she denied it ; told me I was mistaken. I went to the XXXX to file a complaint after I explained what happened. He made a phone call and said they have cameras. He would notify me about the investigation. 
I called the XXXX on XXXX. He told me as soon as he heard from investigators he would call me. I called back a week later XXXX and left a message to call me. I called again on XXXX and XXXX leaving messages. The XXXX XXXX XXXX from Old National Bank will not return my calls. I do not want to go back and cause a scene because I am XXXX XXXX XXXX and very upset. 

Please help me. 

Bank information : XXXX  XXXX Old National Bank, XXXX XXXX XXXX  XXXX, XXXX, TN. XXXX
Product: Debt collection

XXXX : over the phone communication and email demanding validation of debt by email or mail. Requested a lease agreement or contract with a signature. 

XX/XX/year> : I received an email from [ XXXX XXXX XXXX ] with attachment. The third party creditor sent me a move out bill that could be made anywhere. Insufficient document XX/XX/year> : I filed a dispute through XXXX and XXXX documents attached requesting that the account is removed. 

XX/XX/year> : The account came back verified with no original contract or proof of debt. 15 U.S. Code 1692g - Validation of debts
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XX/XX/XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. XXXX seeking XXXX. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXXXXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXXXXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX Trans Union, XXXX, and XXXX have 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 or 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 data is inaccurate.