23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had several checking accounts and during the last switch XXXX of my payments got sent back. shellpoint said that because I had this happen more than once, I had to wait XXXX  months before I could make extra principal payments. It's been XXXX  months, and they are still NOT allowing me to make extra principal payments. When I originally got the loan, I made absolutely sure that I would be able to pay off the principal in full or via extra payments when I could without being barred from doing so. The original loan company transferred my account several times. Now this company says they can STOP me from making extra principal payments to my balance. In the chat attached they admit that I never agreed to these conditions, and that they do not have any document saying so or bearing my signature. They have for the last XXXX  months prevented me from making extra payments to my principal. This is not the only time they have incorrectly or plain barred me from making principal payments. They have in the past posted my payments incorrectly on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21.00}XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$320.00}.
Product: Credit card

I have a home improvement loan with Well Fargo. I have bill pay set up through my personal bank, XXXX XXXX XXXX to issue a payment every XXXX week XXXX {$110.00} ( {$230.00} per month ) to Wells Fargo. My monthly payment due to Wells Fargo is {$230.00} per month. I received a call from Wells Fargo sometime in late XXXX and the representative stated I was past due. I was confused since I pay every XXXX weeks, so technically I should be ahead. The representative eluded to me that this started back in XXXX of 2023. She stated XXXX of my payments posted before the next billing cycle started so they applied it to principal reduction, which caused my XXXX payment to be short. I then was charged a late fee and each payment that was applied thereafter would have a late fee of {$40.00} taken out ( Paid first ) so this would cause my monthly payment to be shorted. As you could guess, this snowballed into me being shorted each month and paying Wells Fargo a $ XXXX late fee each month which has accumulated to over {$300.00} in fees. Keep in mind that I'm still paying every XXXX ( XXXX ) weeks. I asked WF to correct this payment allocation and refund my late fees and correct any negative credit reporting as of XXXX of 2023. They refused and stated they have the right to charge the fees and would not be correcting anything.
Product: Credit card

XXXX XXXX, 2016 Discover XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Debt ( s ) of XXXX, XXXX XXXX. ( ) ; Account ending in XXXX Dear XXXX XXXX : I am writing to you in regards to an individual debt ( s ). First off, let me be clear in regards to 805 ( c ) of the Fair Debt Collection Practices Act, notification is given to you to cease all contact with either of the above mentioned individuals. Further contact will be construed as harassment as defined 806, and will be reported to the Federal Trade Commission. 

Per 805 ( c ), communication is allowed under certain circumstances. As such, please send a proposed settlement amount for the debt ( s ) and applicable payment plan. If proposed settlement is agreed to, remittance will be included with signed agreement. 

Please only communicate in writing to the following address : Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collections on my equifax report, one in the amount of XXXX and the other in the amount of {$140.00}. I have disputed both accounts online. Both accounts still remain on my credit profile. These accounts have no address or phone number on file to contact the company direct. There are also no names listed for the companies. I have no knowledge of these accounts. Please delete these accounts from my profile.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section XXXX Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX  XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Account Number : o TransUnion : XXXX o XXXX : XXXX o XXXX : XXXX Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : o TransUnion : {$6900.00} o XXXX : {$6900.00} o XXXX : NONE XXXX. High Credit / Credit Limit : o TransUnion : High Credit : {$6700.00} ; XXXX XXXX : {$5700.00} o XXXX  : High Credit : {$6700.00} ; XXXX XXXX : {$5700.00} o XXXX : NONE XXXX. XXXX XXXX : o TransUnion : {$0.00} o XXXX : {$0.00} o XXXX : NONE XXXX. XXXX XXXX : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : o TransUnion : XX/XX/XXXX o XXXX : XX/XX/XXXX o XXXX : NONE XXXX. Comments : o TransUnion : Charged off as bad debt. Dispute resolved ; reported by grantor o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : o TransUnion : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o XXXX : NONE Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Account number XXXX 15 U.SC 1681 Section 602A 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Mr. Cooper XXXX XXXX and XXXX XXXX  Bureau both ran my credit under false pretenses. I inquired about refinancing my home and let both parties know that I was self employed. I let them know that I was under the impression that they averaged out 2 years of income for your qualifying income requirements and if that was the case that I didn't make enough in XXXX to be able to be at the 2 year average I needed to be at. Both financial institutions told me that if I had been business 3 years or more that they would use one years tax returns to qualify me. After I gave my consent to run my credit and gave a copy of my XXXX Tax returns I got return calls from both mortgage brokers telling me that some thing had just changed and now they are requiring 2 years average of tax returns. I was outraged when they told me that because that is exactly what I had told them before they reassured me that I was incorrect. They are the professionals and should know that before giving me wrong information. When I expressed how upset I was and that they ran my credit for no reason neither of them could have cared less. I asked to speak with managers who said their employees did nothing wrong. 

This can't be how banks are allowed to do business, guessing and not having the correct, real time information before making a decision that impacts the consumer. I am about to refinance and there are 2 looming hard inquired on my credit that leaves such a bad taste in my mouth that I researched what I can do about it so that is why I am writing you today.
Product: Credit reporting or other personal consumer reports

It appears that my credit information with your organization has been compromised. While reviewing my records, I found numerous files that do not belong to me. As I am thorough in my research, I discovered that under section 605b of the FCRA, you are legally required to remove any items found to be opened due to identity theft. The disputed items are not mine. I am attaching the necessary FTC Report and the bank 's records, as both parties require these documents. Please block and remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XX/XX/XXXX
Product: Debt collection

This third party debt collector has been calling me in excess of XXXX times a day. I am currently involved in a payment plan with the original XXXX company regarding this bill. I have an XXXX and have tried multiple times to work with the bill collector previously to have this sorted out. When I answer the phone calls, the other line says " hello? Hello? '' over and over. It 's ridiculous! The number they are calling from is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There is a charge on my credit report in the balance of {$3500.00} from XXXX XXXX. This charge was not authorized by me.
Product: Credit card

Respected Government, I got my business bank bankrupt and Im out of business since XXXX  XXXX XXXX. Family members passed away my mother and father. Loss in business lots of debts
Product: Credit reporting or other personal consumer reports

I have Grain Technology. My account has NEVER been delinquent. I get an alert today saying that my account has been past due since XXXX. How is that possible when payments have been coming out? They said they have been trying to contact me, nothing. Not in the app, not in email, not on phone. My credit score has gone down XXXX points over an account that is technically NOT delinquent. Grain technology is terrible, DO NOT USE THEM. They do not communicate and they charge a XXXX times a month only to show the account is delinquent
Product: Checking or savings account

XX/XX/18 XXXX XXXX XXXX XXXX made me aware, checks for dates,XXXX {$180.00} XX/XX/18 $ XXXX,XX/XX/18 $ XXXX,XX/XX/18 {$200.00},,, all drawn acct number end XXXX,, I told Mrs I don't use check 's, I tried to call my Netspend customer service representative no answer phone ringing, 3times, i emailed netspend on XX/XX/18, no response XX/XX/18 no response, i have had many problems guarding, money missing, the customer service representative some time refuse me management and not all manager with netspend will return call or help with Netspend law regulations, please help
Product: Checking or savings account

I closed my Chime Account in XXXX. I've had refunds sent to that CLOSED account in XXXX I've reached out via email and phone calls trying to get my funds.. I've spoken with Chime members and specialties regarding my refund check and i've been given the run around. I was told via email that i had to verify my email address through the Chime App & that's not possible because as of XX/XX/XXXX i don't have access to the Chime account i once had... which is crazy because again, its my MONEY and if i no longer bank with Chime, how will i b able to access my account to verify, update or do anything to my account if i no longer bank with Chime.. its ridiculous how they are handling me and this situation. I got emails and CASE numbers from the Chime members I've spoken with.. How do i get my money back? Chime isnt trying to pay my money thats OWED to me! this process has been on-going since XX/XX/XXXX... I've been looking for my refunds & its just sitting in a CLOSED ACCOUNT! How do i get my money! What DO I DO????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : 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 i HAVE SEVERAL NUMBERS THAT ARE NOT MINE ON MY FILES PLEASE DELETE/REMOVE THE FOLLOWING : ( 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
Product: Checking or savings account

Called again XXXX on hold over 30 min with a XXXX in ALABAMA , asked for a manager and she failed to transfer me to a manager, but transferred me to XXXX  when I specifically asked for a manager, I could tell this person wasn't qualified to speak for a manager, asked for her title, she couldn't speak, was silent for a min bc she & XXXX were misrepresenting BOA as a managers, I asked 3 times ... you are a manager? she finally answered and I asked AGAIN ; I would like to speak with a manager. Finally transferred to XXXX or XXXX, or XXXX after going over the story AGAIN, XXXX BOA refused to file a claim and well aware of the same comp Fineday XXXX sending another transaction on XXXX as he she stated ai need to file a claim and hung up on me, How many hours should I spend with XXXX  of America? Where does it state within the banking and financial institutions, where CLAIMS have to be file online ONLY? Due to being treated unfairly I demand XXXX credit to my account and an apology. As soon as my funds are available I plan to close this account as Im sick and tired of the constant incompetence, ugly attitude, poor cs, having to hold long extended time to get assistance because they refuse to assist. They also charged me XXXX insufficient fee when I called on Fri rep informed me that it would be credited, BE ACCOUNTABLE for your actions. I called on this atleast 6 times as Im not calling anymore!
Product: Credit reporting or other personal consumer reports

On XXXX the XXXX of 2024 I had noticed the account balance and utilization on my XXXX Credit card, under TransUnion have not been reported since XXXX  XXXX of XXXX and XXXX have been reporting correctly since Feburary until current. I have proof of payments, on time, since then until XXXX of 2024. I then contacted my Credit card ( XXXX XXXX XXXX ) to notify the incorrect open balance and utilization. I was told by XXXX  on XXXX the XXXX that Transunion was not reporting monthly on time. I then contacted Trans Union to discuss this issue, which needs to be updated to reflect my current open balance since its incorrect credit usage is 41 %. I was told they will update, and send a credit report. 


I am requesting additionally an audit under the CFPB with regards to my total credit history as Transunion has since not been reporting correctly, and my credit report has since not been sent since XX/XX/XXXX. 

This is severely impacting my ability to financially recovery from the many months of incorrect reporting, Where I have discussed possible punitive damages. 

Please advise how I can best assist in this investigation, and speed along so we may come to a resolution. 

Thanks in advance, XXXX XXXX
Product: Checking or savings account

capital one has withheld my direct deposit from my job since wednesday, XX/XX/XXXX. it is now XX/XX/XXXX and i still havent received it. ive called and spoken to a customer service representative and they said they had no time frame of when the issue would be fixed. where is my money? i have bills to pay, food to buy and gas to get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 about XXXX eastern time i called Transunion XXXX XXXX and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Product: Checking or savings account

I received a letter on XX/XX/XXXX stating my accounts were being closed with no explanation. The letter stated I had until XX/XX/XXXX to reconcile all banking activity. This left with 5 business days with the weekend and the holiday within that date range. On XX/XX/XXXX after inquiring about the situation via telephone I was informed that my account was frozen and I could not have access to my money. No transactions or automatic payments would be completed which I had intended to be resolved before the XX/XX/XXXX deadline. At that time I had an automatic debit in process for my mortgage and a loan payment due on the first of the month. I was not given an appropriate amount of time to insure these payments were secured. On that same day I was also denied access to my online account which stopped me from being able to view any transactions in process. I was not able to determine if payments of my loan had been processed. I also have a joint credit card with my daughter who is a college student in Florida. I inquired if that account was also targeted and was told there was no information relating to that being it was a separate entity. On XXXX my daughter was denied use of the card and on XXXX I received a letter stating the credit card account was also being shut down. I am completely appalled that a bank can have such unfair practice and control over my money without proper notification. Not allowing me access to my money seems unethical if not illegal. I was never given an explanation for these actions and was told it was not my right to know. I have been a customer for over thirty years and have never had any issues with any of my accounts. In conclusion I am asking for an investigation into this unfair practice. I would like to know that a bank can not take control of someones money without god cause or a reasonable amount of notification. I feel that a thirty day notice is a reasonable amount of time to reconcile or banking  transactions and it should be my right to refute any information used against me to cause my accounts to be closed.
Product: Checking or savings account

Ever since XXXX XXXX and his team players learned how to hack Bank of America 's firewall, I've been having online banking issues and I haven't been able to have direct access to my real account online. I keep viewing fake, fraudulent accounts created by the XXXX ' group. 
For example, my balance today, XXXX, should be {$100.00} plus the credit from XXXX ( double billing ) {$40.00} ; and it's not. 

Then, on Friday, XXXX, when I received the refund from XXXX, my balance was {$250.00}. not {$420.00}. And later on that same day, when I made my deposit of {$170.00}, self earned money, my available balance was {$420.00} ( rounded. ) So, I don't know where {$590.00} came from. I'm convinced this is NOT my online account ; and I have no business viewing someone else 's account that's mimicking my real account. I'm entitled to my real, legit, legal, real time, online account. 

Who is causing this problem and why? What's the problem with me having " my '' real online account? 

Please have the bank return my real online account and disconnect me from XXXX ' XXXX XXXX fake account that gets tampered on a regular basis. 

Again, give me back my real account with the correct Available Balance. 

Thank You. 


XXXX XXXX XXXX