23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On the XX/XX/2021 mortgage statement there is a charge for {$190.00} for a XXXX XXXX XXXX Balance. 
I called Fay Servicing on XX/XX/2021. I was informed by XXXX that this was a demand letter from XX/XX/2021. The money was in my account and Fay Servicing failed to put a 4 in my account number for the automatic withdrawal. I provided a voided check so there was no fault of my own to communicate the correct account number. 
I was informed on XX/XX/2021 that- After review of the loan, Fay has determined that the loan was set up for a XX/XX/2021 ACH draft and Fay has determined that an error occurred in which Fay was to update the ACH draft information and draft the XX/XX/2021 which did not occur. On XX/XX/2021 your Account Manager had a discussion with you regarding your loan and your Account Manager offered to have all fees waived back in XX/XX/2021 if you brought the loan current and set the loan back up on ACH auto draft. On XX/XX/2021 you paid {$3400.00} which was applied to the XX/XX/2021 payment, the XX/XX/2021 payment, the XX/XX/2021 payment, and the XX/XX/2021 payment and the ACH auto has been setup to draft you payments going forward. On XX/XX/2021 Fay honored the agreement to waive the late fees back to XX/XX/2021 and you were not charged any default interest. The loan was never reported to the credit bureaus, therefore there is no credit reporting needing to be corrected due to this error. 
The demand letter fee should be waived. 
Every month I have some erroneous fee attached to the statement. They money has been in my account every month from XX/XX/2021. I cant make Fay Servicing take they money out of my account. I did my part. I had the money in the account. I received emails that they were waving the fees due to the servicing agreement not being placed with Fay until after XX/XX/2021. On XX/XX/2021 your loan was transferred to Fay for servicing. is from the XX/XX/2021 communication. 
Every month I call about some new fee being added to my loan. I am promised a response. I dont hear anything from Fay Servicing .
Product: Debt collection

I recently received a civil suit notice from the local court stating that Portfolio Recovery Associates filed a lawsuit against me. I called them to get more info on the account. They stated that I took out a XXXX credit card account in XXXX of 2023 and did not pay the balance. That is incorrect and I never took out an account. I would like to dispute this charge and have it removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporters act. XXXX  account # 's below 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX  XXXX account : XXXX XXXX. XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account : XXXXXXXX XXXX XXXX XXXXccount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$420.00} ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance {$420.00} Opened XX/XX/XXXX Balance {$420.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lifting a freeze took 15 minutes on the phone, with many questions besides the PIN.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case.

TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate across different months and reporting periods. Specific discrepancies include : Late payments incorrectly reported for the following months : XX/XX/XXXX and XX/XX/XXXX. 
Different late payment statuses reported across credit bureaus. 
Dates of delinquency that do not align with the accounts actual payment history. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

First thing I would like for whoever is reviewing my case I'm asking that you view my files first then view my response. The accounts listed on the report and files weren't generated by me. I never gave any consent to open any accounts. These negative accounts Is taking a huge toll on my report and Is affecting me from getting anything in my name due to the negative accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I file XXXX XXXX bankruptcy it was XXXX in XX/XX/2017 but Kohls / Capone keeps reporting negative even though there is no debt owe anymore yet its being reported in my credit report as late
Product: Checking or savings account

I opened a Bank of America checking account XXXX XXXX with a promotional offer of earn {$300.00} after direct deposits totaling {$4000.00}. I directed by tax refund and employer direct deposit into the account during the promotional period totaling over {$4000.00}. 

I called in a few months after and a BofA representative assured me that all the requirements were met and that I simply had to wait for the bonus to be deposited to my account. 

In XXXX XXXX I had still not received the bonus so I called in, at which point BofA XXXX informed me that I was denied the bonus due to my tax refund not being considered a direct deposit. There was nothing in the fine print that excluded the tax refund from qualifying.
Product: Checking or savings account

I was scammed through XXXX for the amount of {$200.00} and {$280.00}. 

I opened two claims with my bank. 

1 ) claim # : XXXX Amount : {$200.00} Money was sent via XXXX to the email address : XXXX Item being bought : 3 VIP tickets for XXXX XXXX XXXX XXXX for XX/XX/22. 

This person acknowledged I would not be able to use the tickets as he couldnt access his email address. He stated he would send back the money but refuses. I have screenshots of the amount of messages I have sent and phone calls. He provided me with a copy or a false ticket. 

2 ) claim # : XXXX Amount : {$280.00} Money was sent via XXXX to XXXX Item being bought : 3 VIP tickets for XXXX XXXX XXXXs XXXX for XX/XX/22. 

This person lied about having VIP tickets as well. He wanted me to send an additional {$210.00} as he claimed he could not change the tickets to my name. He then admitted he was wrong and would send my money back but he refuses to now.
Product: Mortgage

The company servicing my mortgage loan switched about 9 months ago. According to the current servicing company ; lender live ; notices of the transfer and two missed payments were sent to my address on file. The address was that of the house under the loan and not the house I live at. I never received the notices or any notice from lender live. As a result my payments continued to be sent to the previous service company for two months because it was set to auto pay from my bank. During this time lender live proceeded to report these a delinquencies on both my ex-wife and my credit report. When I noticed that the checks were not being cashed I immediately contacted the previous service provider and they explained the loan had been transferred to lender live. I contacted lender live to determine if the payments had been forwarded and they indicated they had not received any payments. I explained the situation, sent them proof that the payments had been sent to the previous service provider, paid the balance due and lender live opened an internal investigation. According to multiple conversations with various lender live representatives the investigation was concluded and according to the representatives lender live was going to correct credit reports. After following up on multiple occasions over several months lender live had still not corrected the reports and would not return my calls. I filed a complaint with the XXXX and received a response from lender live indicating they " were not '' going to correct the credit reports even though I had been told that they would. I then requested all documentation concerning my account and the interactions concerning this matter and lender live responded that they would not provide the information because it was " proprietary ''. I have also filed a complaint with the FTC. The reported delinquencies could have a very real affect on my personal finances, my job and it has just recently prevented my ex-wife from being able to qualify for a mortgage on what would be her first home that she intended to purchase on her own. I can provide any all documentation I have, including the bank statements, proof of payment, credit report, XXXX complaint and responses, and FTC complaint. Please let me know if there 's anything I can do at this point. Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

I have inquiries and a bankruptcy on my credit report that doesn't belong to be I was a victim of Identity theft fraud I made a complaint with my local police department and the FTC report I contacted all 3 bureaus XXXX, Equifax and XXXX doesn't want to remove the inquiries or Bankruptcy off my credit report here are the inquiries and Bankruptcy of my credit report XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Wells Fargo closed out my case sending me a letter explaining their findings, the vehicle I financed from them was repossessed XX/XX/15 yes they sent me a check but it wasnt what I endured or went through, first I came out of pocket XXXX dollars a month for cab service because no bus went from my address to my job 5 cities away starting at XXXX in the morning, I paid at the end of the month, second they said the repossession was off my report which at the time wasnt when I tried to get another car it was still on there months after, I had to call them then they removed it causing me not to get the vehicle I wanted at that time. Yes the repossession is off now but at that time it wasnt causing me to still pay out of pocket ... they just sent me a letter when I called them.they said someone would be in touch and as of last week I've heard from no one ... I spent XXXX for a lease then XXXX, XXXX to wells fargo to finance that very same vehicle Wells Fargo sent me a XXXX dollar check without sending any information till the check was giving then I feel like I was ripped off I'm sure they sold that truck more then what they gave me ..I feel as though they just paid for no inconvenience at all...
Product: Debt collection

About XXXX  years ago my personal information was stolen, back in XX/XX/year>. Many accounts were opened fraudulently under my name. I have disputed countless accounts and have been trying to clean my name and credit health since. About a year into this mess I found out I could freeze my credit and so I did. That fixed the problem temporarily. Years later I have random collections accounts pop up on my credit report. This being another instance. This is not the first time this company has tried to receive money from me. A little research shows poor reviews and many complaints against them. At this point its harassment. My credit always takes damage because if this. The company is Southwest Credit Systems and even after disputing the collections accounts they keep coming back.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please amend or rectify the following accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block.inc. ) due to inadequate customer service and unfair practices, which violates the consumer protection act ( CFPBA ) Specifically cash app failed to take timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer XXXX ( XXXX ) and regulations E.These act have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX : Account Number : XXXX High Balance : Incorrect amount. 
Balance owed : The incorrect amount of {$26.00} should be reporting {$0.00}. 
Last Payment : Incorrect amount of {$0.00}. 
Credit Limit : Incorrect credit limit reporting. 
Inaccurate information is being reported on my credit report. 
Please REMOVE this account from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that the above account be removed from my credit report. You should report accurate information when you receive it from the creditors. 
I understand that under 15 U.S. Code 1681s-2 ( 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 ), you must remove any incorrect information from my credit report within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Open Date XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

After closing on a home on XXXX XXXX 2015 I received a call stating that I owe the seller {$2500.00} because of a mistake made by the title company. I was confused why the title company wanted me to write a check to the seller after we already closed and monies were exchanged. The title company made the mistake which ended up being a {$5000.00} benefit to my side of the HUD. I am now being sued for the {$5000.00} plus interest and attorney fees. I was summoned the week of XXXX XXXX 2015 after returning home XXXX. I am recently divorced and have no money to afford a lawyer or pay the {$5000.00}. I feel the mistake was made and there were plenty of people involved to review the HUD before receiving a clear to close. I need help please. I 'm very worried.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion my written dispute letter on XX/XX/2020. The letter was sent certified with tracking in which it shows that they received it on XX/XX/2020 ( Tracking # : XXXX ). Today XX/XX/2020, it has been a total of 58 days without a response from them. I sent TransUnion another letter on XX/XX/2020, for the nonresponse. I don't know why it's taking them this long when XXXX  and XXXX  both responded back to me within the 30 days. I have filed a previous complaint but they fixed nothing. Instead, they stated on the followup that the investigation process takes up to 30 days, yet they have failed to do so. I have not received any response from Trans Union in the mail.
Product: Debt collection

I joined a matchmaker site called XXXX XXXX XXXX could no longer pay them and the services did not match what they promised. They turned it over to a collection Agency recently. I have never ever received any communication from the collection Agency which is Omega RMS I emailed the company asking to send me a collection notice 3 times and got no answer to date. I need it in order to turn into my debt consolidation company.How is that you owe a debt and ever receive a collection letter makes no sense the only way I discovered it is because it popped on my credit report without notice.2
Product: Mortgage

Well Fargo, my Mortgage holder consistently and willfully refuses to furnish me copies of my Real Estate and School Tax Bills. I have requested this information XXXX times. There is no justification for withholding this information on my property, for a bill that I pay, that they are obtaining from a source other than the duly elected XXXX Collector. I would like them to be compelled to furnish me this information that I am paying for.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : 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

In Accordance with the FCRA XXXX  Account number XXXX has violated my rights XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number xxxx XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Delete ALL late payments XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Delete Asap XXXX XXXX XXXX Account number XXXX
Product: Bank account or service

Wells Fargo Bank Changed the Routing Numbers without any notication causing my car payment made online to be returnded causing late payment fees