23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had my commercial lender pull my credit for the commercial building I'm buying for my medical practice. I was shocked to find out Wells Fargo reported me 30 days late and past due for XX/XX/2019. After further investigation and contacting Wells Fargo, I found out that my automatic bill pay with my bank was somehow canceled. When this payment did not arrive at Wells Fargo, I was not properly notified. My communication preferences with Wells Fargo are set for email only. I was very clear with Wells Fargo about this because I am a very busy XXXX, I run a XXXX XXXX and own several XXXX XXXX. Because I am rarely home, my communication preferences were set to email only, yet I did not receive an email from Wells Fargo nor did I receive a notification in the mail. If I had been properly notified by email that the payment did not post I would have been able to make a manual payment prior to becoming 30 days delinquent. Because I was not properly notified, Wells Fargo reported me 30 days late to the credit bureaus and causing a significant drop in my credit scores. My scores dropped to a point where I no longer qualify for the financing on my commercial building.
Product: Debt collection

I had a XXXX at XXXX XXXX in XX/XX/XXXXXXXX  they are putting the debt on my credit report as of XXXX  and keep validating it as accurate even i have proof their dates and amount are wrong. My insurances took almost a year to pay it so at most it would have been XX/XX/XXXXXXXX  when the last payment was made. Also it violates HIPPA showing the name of the place i had XXXX and provides false info to insurance companies looking at my credit report and gives them health information about me on my credit report. I have filed multiple disputes over the last 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries on my credit reports with XXXX, XXXX and Equifax : XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took on a covid forbearance on a loan last year. When my forbearance was ending I applied for a deferral of the payment to the end of the loan. XXXX claimed they never received this application. 
I started making payments on my loan in XXXX of 2020 after talking to them on the phone about my new plan. They said multiple times that they were so understaffed that they had no idea when my deferral application would be processed. I continued to make payments per the agreement I signed up for and verbally discussed with XXXX. 
XXXX comes after I make two payments. They start a foreclosure process. I'm charged for a BPO valuation because the systems at the bank where the foreclosure starts were not talking to the covid deferral and forbearance departments. I talk to someone again about these charges and they say again that they are so far behind that they have no idea when my paperwork for my deferral application will be processed. 
XXXX comes. I have now made 3 payments on my loan. I get a late fee because the systems still aren't talking to each other. I call and get this reversed and plead to the representative to make sure there is nothing damaging to my credit as a result of their misplaced paperwork and backlog that every other bank seems to be working through without the problems that XXXX/XXXX  now XXXX has. I am told that my application has been escalated and it might be 3-6 weeks before it is approved. I can not imagine what an application that wasn't escalated would take. 
Here comes XXXX. I get a negative credit report alert from a credit monitoring service. I am dinged for a late payment after making 4 on-time payments. I call again. I am told that there is nothing XXXX/XXXX  now XXXX can do immediately and they are going to look into this sometime within the next 30 days. My credit score has dropped 100 points and someone might do something about it in the next month. This has been escalated again, but through a new process because XXXX/XXXX now XXXX realized their old escalation process was completely ineffective and was damaging to their customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Experian Information Solutions Inc . 
po box XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX Current Employer : XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Goldman Sachs is the card issuer for Apple Card. it is stated on their Card Agreement that they accept Non-conforming payments yet the bank refuses to accept my negotiable instruments every month. I have sent a total of 7 notices together with negotiable instruments but Goldman Sachs claims it is not a form of legal tender. The Indenture Trustee Agreement with XXXX XXXX XXXX XXXX XXXXXXXX clearly states the bank is acting as power of attorney on my behalf ( investor ) and is surrendering the securities aka warrants for redemption. The transaction structure clearly shows how our promissory notes/commercial paper/ securities are being securitized, transferred, and redeemed. Yet as the holder of the note and the Beneficial Owner of the note ( me ) I am being denied the right to also surrender the negotiable instrument for redemption. I know for a fact it is lawful tender. All their SEC filings back up this claim. I had sent 2 of those 7 notices to the XXXX XXXX XXXX XXXX XXXXXXXX addressing the agent ( XXXX XXXX ) who signed the Indenture trustee agreement and she also refuses to acknowledge my notices and instruments. As you may know UCC 3-603 and 3-604 state the following : ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. 
Goldman Sachs Finance, Goldman Sachs Corp, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have kept the negotiable instruments and are not returning them, even though they are denying they are a form of legal tender, and they are not responding to my notices.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadeqaute customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the Equifax cyber attack that has affected 143 Million Americans. I do not know what information of mine is now public data. I have placed fraud alerts with all three credit bureaus however I have not frozen my accounts yet. I do not believe I should be paying to freeze my accounts to a company that has caused the breach in the first place. Ridiculously irresponsible, and scary for a XXXX year old woman who is working on establishing credit. 

My personal data has been compromised and I received no notice from Equifax before seeking out information on my own. Shameful.
Product: Mortgage

In XX/XX/XXXX we obtained a 30-year mortgage from SunTrust Bank with a payment amount of {$1800.00} a month. A few months later we are sent a letter from SunTrust saying there is too much money in our escrow account and given a check of approximately {$6000.00}. In addition to the refund, they are dropping our monthly payment to {$1400.00} a month. In late XXXX of XXXX we receive notice that our escrow account has too little money in it, please send them close to {$7700.00} and our monthly payment is being upped to {$1800.00}. If we don't send them the {$7700.00} shortage, then our monthly payment will go up to {$2400.00}. That is a {$1000.00} increase in our monthly payment! The increase payment is to take effect in XXXX. We have had two months to prepare for an additional {$1000.00} in mortgage payment. There has to be something seriously wrong at SunTrust to make a mistake like this. We would like SunTrust to do whatever is necessary to fix our escrow account since the mistake is theirs. We should not be put in a position to lose our home because someone in their escrow department screwed up our account. I am attaching the letter we sent to SunTrust, the statement where they refunded the escrow money, and the escrow statement where they want the {$7700.00} back plus a higher monthly payment. We can accept going up to {$1800.00} in a monthly mortgage because that is what it was when we first obtained it. But, {$2400.00} is way too much.
Product: Mortgage

On XX/XX/XXXX Our home was completely destroyed in a house fire, I contacted the mortage and insurance company right away and explained what happened. They sent out a rep to take pictures and said they would have everything resolved in 30 days. The company reached out but only tell me to make a payment that was due on XX/XX/XXXX. 
The Home is completely destroyed and unlivable, however the company reached out again for another payment. So I am currently making payments on a home that we cant even live in and I am unable to get another home due to this lien still being on my credit. 
We lost everything that we own in the fire and can not currently afford to pay for another place to live until this is resolved. I am XXXX XXXX XXXX and my husband is XXXX XXXX XXXX who is also a 100 % XXXX vet that lost his XXXX XXXX  about XXXX  months ago. We believe this company is taking advantage of us because we are senior citizens.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX : {$750.00} XXXX XXXX  XXXX XXXX Balance : {$4300.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$16000.00} XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent XXXX XXXX a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will be against Experian. This company won't allow me to dispute issues on my credit report. Whenever I submit a dispute through Experian, they never investigate my online disputes. They literally comeback with the results of the dispute less than three business days with no action taken. The worse thing is that they won't let me open a new dispute because they believe that I already previously submitted a dispute but they never investigate my online disputes. This is unlike XXXX or XXXX. Please fix this issue.
Product: Checking or savings account

Bank XXXX both of my accounts for XXXX entire week in XX/XX/2024 I would like the Bank to write up a letter to my landlord XXXX XXXX XXXX in XXXX format just so the landlord knows the bounce payment in XX/XX/2024 was not my fault as both the landlord and I would greatly appreciate this from the bank...
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my credit through several of their bankers without my authorization and a firm rejection of their financial services ; I walked in their facility with my own financing in hand. Their finance manager XXXX XXXX was rude and unprofessional in his verbiage and manners with me. Further I see just how unprofessional he really is. I am certain there is some recourse for this having over 4 creditors that are unrecognizable too me, and did not have my authorization to use what information was given during the normal course of business when purchasing a vehicle : they took that information and use it in anyway they wanted too!
Now I have a number of ( more than 3 ) rejections on my history for two years! 
I did not initiate the loan or finance hunt with them because I went thru my own Bank -XXXX .
Product: Debt collection

I want to bring to your attention that the disputed items on my credit report are a result of identity theft, and this issue has been promptly addressed by other credit reporting agencies. Other bureaus have acknowledged the fraudulent nature of these accounts and have taken the necessary steps to remove them from their reporting. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
Bankruptcy XXXX XXXXXXXX Reference XXXX PLEASE DELETE!!! 
I insist that you promptly investigate this matter and remove the fraudulent accounts from my credit report. I believe that the law requires you to act in accordance with the FCRA, and I am hopeful that your agency will fulfil its legal obligations in resolving this matter.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed my affirm accounts repeatedly with proof!! Ive had representatives call me wrong gender after repeatedly correcting them and they say, oh XXXX, youre calling again! ( XXXX on XX/XX/XXXX ). Asked for supervisor multiple times with no call back!! My wife called and they fixed hers immediately!! No dispute needed! They are being discriminatory! Im uploading just a few of the paid in full letters, but I have one for each account!
Product: Credit reporting

I have disputed and given proof of payment and that date was wrong at least 20 times and they take it off and then put it back on thru XXXX, XXXX and XXXX all XXXX at XXXX time even that they have the copies of payments showing paid and copy of class action suit that XXXX XXXX XXXX lost for charges over charged. And letter from California TRADE COMMISION AS WELL AS CA. UTILITIES COMMISION TO TAKE THIS OFF MY RECORD. 
That Equifax has reported the wrong dates of the original dates that XXXX XXXX XXXX was opened and closed over and over and refuses to go by original creditor Dates opened and closed THAT EQUIFAX HAS PUT A 7 YEAR FRAUD ALERT ON MY CREDIT REPORT AND HAVE MAILED THEM FAXED THEM AND FILED A REPORT FOR THEM TO TAKE OFF Fraud Alert and have refused to date. 
That Equifax Has cost me many problems Financially and mentally as well as going to be homeless from there wrong doings and cost of there abuse and not reporting information correctly and re reporting information they no is not true and or correct. 
Equifax Has refused to put all my accounts on record or the correct credit limit of XXXX on my credit cards. 
Equifax has cost me new credit and cost me many credit inquiries from there false record reporting
Product: Credit card or prepaid card

I closed my account 3 months ago. I have a credit balance, which they have not returned to me. I just keep getting statements.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email XX/XX/XXXX on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to regions bank and stop payment on XXXX XXXX XXXX XXXX payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. Regions bank will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let XXXX XXXX XXXX get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. regions vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with regions mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.